Complimentary overseas travel insurance
Complimentary overseas travel insurance is part of the complimentary insurance covers we have available to St.George cardholders on selected personal credit cards.
Is my overseas trip covered?
To be eligible for this complimentary overseas travel insurance, before leaving Australia on an overseas journey, you must have a return overseas travel ticket, and need to have prepaid at least A$500 of your travel costs using your eligible card. Travel costs include:
- Return overseas travel tickets
- Airport/departure taxes
- Prepaid overseas accommodation
- Prepaid overseas itinerary items.
Please note for overseas travel insurance, the cover is only available to persons up to and including 80 years of age.
If the cardholder is eligible for the overseas travel insurance as outlined above, the cardholder’s, spouse and/ or dependent children (two years and older on the day of departure) who are travelling with the cardholder for the entire journey become eligible for this overseas travel insurance when, before leaving Australia on an overseas journey, the cardholder’s spouse and/or dependent children have a return overseas travel ticket, and A$500 of each of their prepaid travel costs (ie costs of their return overseas travel ticket; and/or airport/departure taxes; and/or their prepaid overseas accommodation/travel; and/or their prepaid overseas itinerary items) has been charged to the cardholder’s eligible credit card.
You and any spouse and/or dependent children must have permanent Australian residency or hold a current and valid 457 visa and reside in Australia.
To be covered, you don’t need to let us or QBE know that you’re going overseas – provided you meet the conditions in accordance with the insurance policy, you’re automatically covered.
- Medical and hospital expenses incurred overseas
- Loss or damage to personal property
- Legal liability
- Rental vehicle excess
- Unexpected cancellation of travel arrangements and other unexpected expenses.
Limits apply if you have eligible pre-existing medical conditions.
What isn’t covered?
Please refer to your cards Credit Card Complimentary Insurance Terms and Conditions or download below for more information about what is and isn’t covered.
It's a good idea to check before leaving what's actually covered in any complimentary insurance policy, and what the exclusions or limits might be. Depending on your destinations, age, pre-existing medical conditions and time away, this cover may not fully meet your needs.
We can help arrange standalone travel insurance that covers a range of events and inclusions:
- Extended travel or frequent trips
- Cover for travellers older than 80 years old
- 24 hour medical and travel assistance
- Unlimited cover for overseas medical expenses
- Cover for luggage, credit card and travellers cheques
- Cancelled travel and accommodation overseas, and more.
Find out more about standalone Travel Insurance.
You can find out more about what is and isn’t covered in the St.George Credit Card Complimentary Insurance Terms and Conditions.
Which cards offer complimentary overseas travel cover?
The following cards offer up to 6 months complementary cover:
The following card offers up to 3 months complimentary cover:
If you have a St.George credit card that is not listed above, and would like to check if you card offers overseas travel insurance, please refer to your card's Complimentary Insurance Policy or download the St.George Credit Card Complimentary Insurance Terms and Conditions.
Making a claim
If you want to make a claim under this policy, you must:
Whilst you are overseas:
Phone QBE on +61 3 8523 2800.
QBE will request documentation to confirm your eligibility for overseas travel insurance and process your claim.
If you are in Australia, (or when you return to Australia) you must follow the steps listed below.
Contact QBE on 1800 091 710 within 30 days or as soon as possible of returning home from overseas or interstate (even if you have previously reported the matter to QBE Assist), or if you are already home, contact us within 30 days or as soon as possible of learning of an occurrence (loss, damage or breakdown) that may result in a claim.
Want to know more?
You can find out more about making a claim in the St.George Credit Card Complimentary Insurance Terms and Conditions. The QBE website also has helpful FAQs and claims forms you can download.
QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible St.George account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Credit Card Complimentary Insurance Terms and Conditions, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 13 33 30 or download the Credit Card Complimentary Insurance Terms and Conditions.