St.George credit cards complimentary insurance
The terms
This cover comes with the card, from St.George. There is nothing extra to buy.
Conditions
- Covers a trip overseas that starts and ends in Australia, once you hold a return ticket and have spent at least $500 of your prepaid travel costs with your St.George card before you leave.
- A return interstate flight is covered, for cancellation, delays and luggage, if you pay its whole fare (apart from taxes and charges) with the card before you go.
- You have to live in Australia.
- For overseas cover you have to be under 81 when you meet these conditions.
- One overseas trip is covered for up to six months with an Amplify Signature, Vertigo Platinum, Platinum Mastercard or Visa Platinum Private Clients card, or three months with an Amplify Platinum, Platinum Advantage or Gold card. An interstate trip is covered for up to 14 days.
- Some listed pre-existing medical conditions are covered automatically if you meet their requirements; others only if the insurer confirms in writing after an assessment.
overseas domestic return-trips-only pay-part-fare australian-residents-only age-to-80 overseas-6-months overseas-3-months domestic-14-days pre-existing-if-approved pre-existing-some-included
What it pays
International Travel Insurance: the limit per section
| Section | Benefit as printed | Limit |
|---|---|---|
| 1.1 | Overseas Emergency Assistance | Unlimited~ |
| 1.2 | Overseas Emergency Medical | Unlimited~ |
| 1.3 | Overseas Emergency Dental (spontaneous toothache) | Emergency dental treatment for sudden and acute pain to natural teeth (spontaneous toothache) up to a maximum total limit of $2,000 per person. |
| 1.4 | Evacuation & Repatriation | Unlimited~ |
| 1.5 | Hospital Cash Allowance | $100 per person per day up to a maximum total limit of $15,000 per person. |
| 1.6 | Accidental Death | $50,000 per cardholder $25,000 per spouse $25,000 per dependant Up to a maximum total limit of $150,000. |
| 1.7 | Funeral Expenses | Unlimited~ |
| 1.8 | Loss of Income | Your verified income, up to $1,000 per person per week for a cardholder and spouse, limited to twelve (12) consecutive weeks incapacity and a maximum of $12,000 for all claims combined. |
| 1.9 | Assault requiring Hospital Admission | $500 per person |
| 2.1 | Cancellation | Unlimited~ except: |
| 2.1.1 a] | Travel agents cancellation fees a sub-limit of the section above | • For travel agent’s cancellation fee which is limited to an amount equal to the lesser of $500 or 15% of the value of the travel arranged by the agent. |
| 2.1.1 b] | Accidental death of specified relative living overseas a sub-limit of the section above | • $2,500 per person up to a maximum total limit of $5,000. |
| 3.1 | Additional Expenses | Unlimited~ |
| 3.1.1 a] | Additional travel & accommodation expenses due to your incapacity a sub-limit of the section above | Unlimited~ |
| 3.1.1 b] | Emergency travel & accommodation expenses for a necessary companion a sub-limit of the section above | Unlimited~ |
| 3.1.1 c] | Additional travel & accommodation expenses due to your travel companions incapacity a sub-limit of the section above | Unlimited~ |
| 3.1.1 d] | Expenses due to your evacuation or repatriation home a sub-limit of the section above | Unlimited~ |
| 3.1.1 e] | Repatriation of dependants left without supervision a sub-limit of the section above | Unlimited~ |
| 3.1.1 f] | Additional travel & accommodation expenses due to specified events a sub-limit of the section above | Unlimited~ |
| 3.2 | Travel Delay Expenses | After six (6) consecutive hours delay, up to $500 per person for meal and accommodation expenses up to a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants. |
| 3.3 | Alternative Transport Expenses | Up to a maximum total limit of $3,750. |
| 3.4 | Return Home & Resumption of Journey following Death of a Relative | Up to $5,750 per person up to a maximum total limit of $12,500 for a cardholder travelling with their spouse and/or dependants. |
| 3.5 | Domestic Pets | Up to $50 per 24-hour period up to a maximum total limit of $500. |
| 3.6 | Hijack | Up to $250 per person per 12-hour period. Up to a maximum total limit of $20,000 for a cardholder travelling with their spouse and/or dependants. |
| 3.7 | Kidnap & Ransom | Up to a maximum total limit of $100,000. |
| 4.1.1 a] | Luggage a sub-limit of the section above | Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/accessories. |
| 4.1.1 b] | Luggage (other than valuables, left in a vehicle) a sub-limit of the section above | Notwithstanding the above limits under sub-section 4.1.1 a], any covered items that are left unattended in a motor vehicle are only insured up to a maximum total limit of $5,000. |
| 4.1.1 c] | Luggage (valuables left in a vehicle or checked in luggage) a sub-limit of the section above | No cover available except as in the circumstances described under 4.1.1 c] which is limited to a maximum of $5,500. |
| 4.1.1 d] | Sporting Equipment while it is in use a sub-limit of the section above | No cover available. |
| 4.2 | Travel Documents, Transaction Cards & Travellers Cheques | Up to $550 per person up to a maximum total limit of $1,250 for a cardholder travelling with their spouse and/ or dependants for travel documents, travellers cheques, bank notes, currency notes, postal orders, money orders, cash or transaction cards. |
| 4.3 | Luggage Delay | Up to $800 per person up to a maximum total limit of $1,600 for a cardholder travelling with a spouse and/or dependants. |
| 5.1 | Rental Vehicle Excess | Up to a maximum total limit of $5,500. |
| 6.1 | Personal Liability | Up to a maximum total limit of $2,500,000. |
International Travel Insurance: the excess per section
| Section | Benefit as printed | Excess |
|---|---|---|
| 1.1 | Overseas Emergency Assistance | Nil |
| 1.2 | Overseas Emergency Medical | $300 |
| 1.3 | Overseas Emergency Dental (spontaneous toothache) | $300 |
| 1.4 | Evacuation & Repatriation | $300 |
| 1.5 | Hospital Cash Allowance | $300 |
| 1.6 | Accidental Death | Nil |
| 1.7 | Funeral Expenses | Nil |
| 1.8 | Loss of Income | Nil |
| 1.9 | Assault requiring Hospital Admission | Nil |
| 2.1 | Cancellation | $300 |
| 3.1 | Additional Expenses | $300 |
| 3.2 | Travel Delay Expenses | $300 |
| 3.3 | Alternative Transport Expenses | $300 |
| 3.4 | Return Home & Resumption of Journey following Death of a Relative | $300 |
| 3.5 | Domestic Pets | Nil |
| 3.6 | Hijack | Nil |
| 3.7 | Kidnap & Ransom | Nil |
| 4.1 | Luggage | $300 |
| 4.2 | Travel Documents, Transaction Cards & Travellers Cheques | Nil |
| 4.3 | Luggage Delay | Nil |
| 5.1 | Rental Vehicle Excess | $300 |
| 6.1 | Personal Liability | Nil |
Interstate Flight Inconvenience Insurance: the limit per section
| Section | Benefit as printed | Limit |
|---|---|---|
| 1.1 | Cancellation | $3,000 maximum total limit |
| 2.1 | Flight Delay | 4 hours or more, $125 per person up to a maximum total limit of $500 |
| 3.1 | Luggage | Up to $500 for each item up to a maximum total limit of $1,500 |
| 3.2 | Luggage Delay | 12 hours or more, $125 per person charged to the card account, up to a maximum total limit of $500 |
| 4.1 | Funeral expenses | Up to $2,500 per person up to a maximum total limit of $5,000 |
Interstate Flight Inconvenience Insurance: the excess per section
| Section | Benefit as printed | Excess |
|---|---|---|
| 1.1 | Cancellation | $300 |
| 2.1 | Flight Delay | Nil |
| 3.1 | Luggage | $300 |
| 3.2 | Luggage Delay | Nil |
| 4.1 | Funeral expenses | Nil |
Who stands behind it
| Insurer | Allianz Australia Insurance Limited
ABN 15 000 122 850 AFSL 234708 |
| Register | on APRA’s register and authorised to write new business on APRA’s register as Allianz Australia Insurance Limited |
| Claims handled by | AWP Australia Pty Ltd |
| Policy owned by | St.George Bank |
| What the cardholder holds |
the bank’s policy, claimable by the cardholder
The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right. |
| Document effective | 1 March 2023 |
Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000
What else this document covers
- International Travel Insurance
- Interstate Flight Inconvenience Insurance
- Purchase Protection Insurance
- Extended Warranty Insurance
- Overseas Transit Accident Insurance
Data
stgeorge-cards.json: this page as data.- Every card programme · every retail plan and what it covers
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