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Complimentary Overseas Travel Insurance

Important: To make a claim on the credit card complimentary insurance, we encourage you go online to https://insurance.agaassistance.com.au/stgeorge.  Claims can be lodged online 24 hours a day, 7 days a week.  For information about the impact of COVID-19 on overseas travel insurance refer to the FAQs here

Complimentary overseas travel insurance is part of the complimentary insurance covers we have available to St.George cardholders on selected personal credit cards.

The information below is a summary only. Please refer to the Credit Card Complimentary Insurance Terms and Conditions for full details on benefits, terms, limits, conditions and exclusions. An excess may be deducted from certain payments as detailed in the policy booklet.

Is my overseas trip covered?

As a cardholder of an eligible St.George credit card you are eligible for complimentary Overseas Travel Insurance cover1, provided:

  1. You either permanently reside in Australia or hold a current and valid residency Visa and reside in Australia; and
  2. You spend at least $A500 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs to an eligible credit card issued by St.George. This could include return travel tickets, airport or departure taxes, overseas accommodation etc.; and
  3. You have a return overseas travel ticket before departing Australia; and
  4. You are not over 80 years of age when you first become eligible for this cover by meeting the above conditions.
For full details on complimentary insurance, please read the Credit Card Complimentary Insurance Terms and Conditions.

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 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 dependant 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.

Dependent children, under the age of two years as at the date the journey commences become eligible for this Overseas travel insurance, once the cardholder becomes eligible for this Overseas travel insurance, provided that the dependent child is travelling with the cardholder for the entire journey.

To be covered, you don’t need to let us or Allianz Global Assistance know that you’re going overseas – provided you meet the conditions in accordance with the insurance policy, you’re automatically covered.

What’s covered?

The following is a summary only of some of the benefits available under the Overseas travel insurance (terms, conditions, limits and exclusions apply). Refer to the St.George Credit Card Complimentary Insurance Terms and Conditions for further information 1.
  • Medical and hospital expenses incurred overseas, subject to an exclusion for pre-existing conditions.
  • Loss or damage to personal property.
  • Legal liability cover.
  • Rental vehicle excess cover for loss or damage to rental vehicle.
  • Unexpected cancellation of travel arrangements and other unexpected expenses.

What isn’t covered?

Please refer to your card's 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 and time away, this cover may not fully meet your needs.

You can find out more about what is and isn’t covered in the Credit Card Complimentary Insurance Terms and Conditions.

Please refer to Travel Alerts & Information found here: as you may not be covered or your claim may be affected in circumstances where you have failed to follow advice or take heed of a warning from any government or official body, or any publication or broadcast by any member of the mass media.

Which cards offer complimentary overseas travel cover?

We will provide cover for the period listed below, or until you return to your home in Australia, whichever occurs first.

The following cards offer up to 6 consecutive months complementary cover:

The following card offers up to 3 consecutive months complimentary cover:

If you have a St.George credit card that is not listed above, and would like to check if your card offers overseas travel insurance, please refer to your 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 Allianz Global Assistance on +61 7 3305 7468.

Allianz Global Assistance 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 Allianz Global Assistance 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 Allianz Global Assistance), 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.

However, if you are making a guaranteed pricing claim, you must contact Allianz Global Assistance within 21 days of the purchase of the personal good.

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 Allianz Global Assistance website also has helpful FAQs and claims forms you can download.

https://insurance.agaassistance.com.au/stgeorge

The Detail

1 Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible St.George cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. 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 this insurance.