Reimburses all prepaid non-refundable travel with no dollar cap if you cancel for an unforeseen reason outside your control. A $300 excess applies per claim, and the travel agent cancellation fee is limited to the lesser of $500 or 15% of the arranged travel. Cover only begins once at least $500 of prepaid travel is charged to the card and you hold a return ticket.
St.George Amplify Qantas Platinum travel insurance: what's actually covered?
St.George·A$250/year·Visa Platinum
4,3/5Independent review · verified August 2026
4,4
4,4
3,2
Our Verdict · Travel Insurance
Our take on travel insurance for the St.George Amplify Qantas Platinum
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Three consecutive months per trip, then the overseas cover stops. Unlimited medical up to that line, which is the part worth having. Picture a two-week run through Southeast Asia booked and paid on the St.George Amplify Qantas Platinum: charge $500 of prepaid travel to the card, hold a return ticket, and the St.George Amplify Qantas Platinum travel insurance switches on with unlimited emergency medical, cancellation with no dollar cap, and evacuation coordinated by the 24/7 Allianz line. Here is the part most people miss. Holding the card is not enough; book a Qantas reward seat where only carrier charges hit the plastic, and that $500 spend may not be met, so nothing activates. A $300 excess applies to most claims, cover ends the day you turn 81, and this is the Platinum tier, so you get three months a trip, not the six on Signature. Put your flights and hotels on the card and travel under three months, and it does the job; fly on points or stay longer, and read the activation and duration clauses first.
What works on travel
- Unlimited overseas emergency medical with no dollar cap on hospital or treatment, $300 excess per claim
- Cancellation with no dollar cap on prepaid non-refundable travel, subject to a $300 excess
- Unlimited evacuation and repatriation, arranged by the 24/7 Allianz Global Assistance line
- Interstate flight inconvenience cover built in: cancellation to $3,000 and flight delay from four hours
- Personal liability overseas up to $2,500,000 with no excess
Where travel breaks down
- Activation by spend: no cover unless at least $500 of prepaid travel is charged to the card and you hold a return ticket
- Easy to miss on a Qantas points booking, where only carrier charges may hit the card and the $500 is not met
- Overseas cover runs three consecutive months per trip on this Platinum tier, against six on Signature
- A $300 excess applies to most travel claims, including medical, cancellation and luggage
- Cover ends at 81, and pre-existing conditions need the auto-covered list or a $45 assessment
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 20 guarantees
What does St.George Amplify Qantas Platinum Travel Insurance actually cover?
Cover only applies if the trip was charged to the card. On a Qantas reward booking where only carrier charges hit the card, the $500 spend may not be met and the cancellation cover stays switched off.
What's covered
- Illness or injury of you, a travel companion or a relative
- Death of you, a travel companion or a relative
- Natural disaster or severe weather disrupting travel
- Retrenchment or being subpoenaed to court
What's not covered
- Cancellation for a reason within your control or already known
- Pre-existing conditions not on the auto-covered list or assessed
- Travel booked against medical advice
Pre-existing conditions are not covered unless they are on the auto-covered list or you pay $45 to have them assessed before you travel.
Pays overseas emergency medical and hospital costs with no dollar cap, for treatment during the 12 months after an injury or illness first arises. A $300 excess applies per claim. Medicare does not cover you outside Australia, so on a serious trip this is the benefit that carries the card.
What's covered
- Emergency hospital and medical treatment overseas
- Emergency dental for sudden acute pain to natural teeth, up to $2,000
- Ambulance costs
What's not covered
- Pre-existing conditions unless auto-covered or assessed for $45
- Pregnancy after 26 weeks or routine antenatal care
- Treatment you travelled overseas to obtain
Emergency evacuation and repatriation are covered with no dollar cap, arranged by the Allianz Global Assistance 24/7 line. This includes moving you to the nearest suitable hospital and, where medically necessary, back to Australia. Repatriation of remains and funeral expenses are also covered.
What's covered
- Emergency evacuation to the nearest suitable hospital
- Repatriation to Australia when medically necessary
- Repatriation of remains and funeral expenses
What's not covered
- Evacuation not approved by the assistance line
- Costs arising from a pre-existing condition not covered
Covers emergency dental for sudden and acute pain to natural teeth (spontaneous toothache) up to $2,000 per person. A $300 excess applies. Routine, planned or cosmetic dental work is not covered.
What's covered
- Sudden acute pain to natural teeth overseas
What's not covered
- Routine, planned or cosmetic dental treatment
- Work on non-natural teeth
Pays $100 per person per day if you are hospitalised overseas, up to a total of $15,000 per person. A $300 excess applies. It is a cash allowance for incidentals on top of the medical cover, not a replacement for it.
What's covered
- Overseas hospital admission during the journey
What's not covered
- Hospitalisation arising from an excluded condition
Covers additional travel and accommodation costs with no dollar cap if your trip is disrupted by injury, illness or another covered event. A $300 excess applies. It also covers the extra costs of a necessary travelling companion who stays with you.
What's covered
- Extra travel and accommodation after injury or illness
- Expenses for a necessary companion
- Costs following evacuation or repatriation
What's not covered
- Costs within your control
- Expenses from a pre-existing condition not covered
After a delay of six consecutive hours, covers meals and accommodation up to $500 per person, capped at $1,100 for a cardholder travelling with family. A $300 excess applies. Keep every receipt, because the insurer asks to see them.
What's covered
- Meals and accommodation during a delay of 6 hours or more
What's not covered
- Delays within your control
- Delays already known before you booked
Covers alternative transport, up to $3,750, to reach a destination on time after your scheduled transport is delayed. A $300 excess applies.
What's covered
- Alternative transport to arrive on schedule after a delay
What's not covered
- Delays within your control
Covers the cost to return home and then resume your journey after the death of a relative, up to $5,750 per person and $12,500 for a family. A $300 excess applies. Resumption of the trip is included, not only the flight home.
What's covered
- Return home after the death of a relative
- Resumption of the journey
What's not covered
- Return for a reason not covered
- Costs from a pre-existing condition not covered
If the carrier delays your luggage for more than 12 consecutive hours, covers essential clothing and personal items up to $800 per person, capped at $1,600 for a family. No excess applies. Anything paid here is deducted from a later lost-luggage claim.
What's covered
- Essential clothing and personal items during a 12-hour luggage delay
What's not covered
- Delay on the final leg home
- Items that are not essential
Covers lost, stolen or damaged luggage and personal effects up to $20,000 per person, with a family cap of $30,000. Per-item limits apply: $5,000 for most items, and $5,500 each for cameras and for laptops. A $300 excess applies, and depreciation for age and wear is taken into account.
What's covered
- Loss, theft or damage to luggage and personal effects
- Cameras and laptops up to $5,500 each
What's not covered
- Sporting equipment while in use: no cover
- Valuables left in a vehicle beyond the stated limit
- Items left behind or left unattended
Covers the replacement of travel documents, transaction cards, cash and travellers cheques up to $550 per person, capped at $1,250 for a family. No excess applies. The per-person limit is modest, so treat it as help with reissue costs rather than full cover for large amounts of cash.
What's covered
- Replacement of passports and travel documents
- Lost or stolen cash and transaction cards
What's not covered
- Losses not reported
- Amounts above the stated limits
Covers your legal liability for injury to other people or damage to their property overseas, up to $2,500,000. No excess applies. Liability linked to vehicles, aircraft or watercraft is excluded.
What's covered
- Legal liability for third-party injury
- Legal liability for third-party property damage
What's not covered
- Liability from vehicles, aircraft or watercraft
- Liability to family or travelling companions
Pays a lump sum of $50,000 on the accidental death of the cardholder, $25,000 for a spouse and $25,000 for a dependant, up to a family total of $150,000. No excess applies.
What's covered
- Accidental death during the journey
What's not covered
- Death from an excluded activity or condition
Replaces verified income up to $1,000 per person per week for a cardholder or spouse who cannot return to work after an overseas injury, for up to 12 weeks and a maximum of $12,000. No excess applies. Payments start from the 31st day after you return home.
What's covered
- Income replacement after an overseas injury prevents work
What's not covered
- Loss of income from illness rather than injury
- Loss of income if you are a dependant
Covers cancellation of a prepaid interstate flight up to $3,000, under the separate Interstate Flight Inconvenience benefit. A $300 excess applies. Cover starts only when the entire return interstate airfare is charged to the card.
What's covered
- Cancellation of a prepaid return interstate flight
What's not covered
- Cancellation for a reason within your control
- Taxes and airport or agent charges
After an interstate flight delay of four hours or more, pays $125 per person up to a total of $500. No excess applies. It covers the return interstate flight charged to the card.
What's covered
- Meals and expenses after a 4-hour interstate flight delay
What's not covered
- Delays within your control
- Delays from an act of terrorism
No domestic additional expenses cover. The interstate benefit covers cancellation, flight delay and luggage, not extra travel or accommodation. Meals and accommodation from a disrupted interstate trip are the cardholder's responsibility.
What's not covered
- Domestic additional expenses are not a benefit under this card
Covers interstate luggage loss, theft or damage up to $500 per item and $1,500 in total. A $300 excess applies. It applies when the return interstate flight was charged to the card.
What's covered
- Loss, theft or damage to interstate luggage
What's not covered
- Items left unattended
- Amounts above the per-item limit
If your interstate luggage is delayed 12 hours or more, pays $125 per person up to $500 for essential items. No excess applies. The return interstate flight must have been charged to the card.
What's covered
- Essential items during a 12-hour interstate luggage delay
What's not covered
- Delay on the final leg home
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the St.George Amplify Qantas Platinum wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Medical repatriation: below the market average
Compare
Amplify Qantas PlatinumThis card4.3/5?
A$250/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
A$240 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the St.George Amplify Qantas Platinum stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Amplify Qantas Platinum shoppers also consider.
| Card | This card Amplify Qantas Platinum St.George · A$250/yr 4.3/5? | Amplify Signature St.George · A$99/yr 4.3/5? | Amplify Signature Bank of Melbourne · A$295/yr 4.3/5? | Amplify Qantas Signature Bank of Melbourne · A$370/yr 4.3/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Unlimited Unlimited | Unlimited Unlimited (all prepaid) | Unlimited Unlimited | Unlimited Unlimited |
Emergency medical Hospital bills abroad | Unlimited Unlimited | Unlimited Unlimited | Unlimited Unlimited | Unlimited Unlimited |
Emergency evacuation Air ambulance + repatriation | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation | Unlimited Unlimited evacuation |
Trip delay trigger Hours before benefits kick in | 6h / $500 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours | 6h / $1,100 Trigger: 6 hours |
Trip interruption Covered amount | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation | Unlimited Extra travel & accommodation |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the St.George Amplify Qantas Platinum
Real experiences on travel cover, claims and activation 39 reviews
F(
Felix (ProductReview)
Covers more than a budget card
As a high fee credit card, the international travel insurance covers more than other budget credit cards.
V(
Vik (ProductReview)
Charged the $300 cancellation excess
I booked business class trip. As I am not able to make it, I was charged $300 cancelation fee.
J(
Jac (ProductReview)
Claim knocked back as not interstate
Have paid the higher premium on this card for multiple years for the added benefit of travel insurance, and have booked trips on the card accordingly. My one and only insurance claim was recently rejected with the smug explanation that my cancelled flight wasn't 'interstate'.
Emergency · Card assistance line
How to contact St.George Amplify Qantas Platinum assistance?
Australia Assistance
1800 227 773
24/7
Overseas Assistance (reverse charge)
+61 7 3305 7468
Reverse charge accepted · 24/7
Benefit administrator: Allianz Global Assistance (AWP Australia) for St.George
Claims & pre-authorizations
How to make an Amplify Qantas Platinum insurance claim
1
Step 1: Call the 24/7 assistance line before treatment where possible
For a medical emergency overseas, call Allianz Global Assistance on +61 7 3305 7468 before treatment where you can. They coordinate hospitals and evacuation, and give you a reference number the claims team looks for later.
2
Step 2: Lodge the claim and gather your documents
Lodge online at insurance.agaassistance.com.au/stgeorge or call 1800 091 710. Keep itemised accounts, a property irregularity report from the airline for luggage, and your card statement showing the trip was charged to the card.
3
Step 3: Prove the $500 of prepaid travel hit the card
The first thing the insurer checks is whether at least $500 of prepaid travel was charged to the card. Send that proof with your claim, and expect roughly four to eight weeks for a decision.
FAQ
What people ask about the St.George Amplify Qantas Platinum
- There is no button to press, but the cover is not automatic either. It switches on only when you charge at least $500 of your prepaid travel costs to your St.George Amplify Qantas Platinum and hold a return overseas travel ticket, before you leave Australia. You also need to be aged under 81, and your journey has to begin and end in Australia. Activation (charging the required trip cost to the card so the cover switches on) is the single most common reason a claim is knocked back. If you book a Qantas reward seat and only the carrier charges land on the card, that may not meet the $500 spend, so read the PDS (Product Disclosure Statement) before you rely on it.
- Cover extends to the cardholder, their spouse or de facto partner, and dependants, as long as each person meets the eligibility rules. Every traveller needs at least $500 of their own prepaid travel charged to the card account, a return overseas travel ticket, and to be aged under 81. A spouse or dependant has to travel with the cardholder for at least half of the cardholder's trip. Dependants under two years are covered when travelling with the cardholder. When you all travel together, only one person can claim the cardholder's benefit amounts, so check the sums insured that apply to each traveller in your PDS (Product Disclosure Statement).
- It reimburses the excess (the amount the hire company makes you pay towards damage or theft), up to $5,500. It does not waive the damage, so the hire company still charges you the excess and you claim it back afterwards. The St.George Amplify Qantas Platinum covers this both overseas, inside the international travel policy, and in Australia through a separate Rental Vehicle Excess in Australia benefit, each up to $5,500 with a $300 excess per claim. To qualify, charge the full rental to the card and be a named driver on the agreement. Tyres, windscreens and administrative fees are not part of the covered excess.
- Claims go through Allianz Global Assistance, the administrator behind the policy, online at insurance.agaassistance.com.au/stgeorge or on 1800 091 710. For a medical emergency overseas, call the 24-hour line on +61 7 3305 7468 before treatment where you can. Lodge within the timeframe your PDS (Product Disclosure Statement) sets, and keep the documents that prove the loss: itemised accounts for medical or delay costs, a property irregularity report from the airline for luggage, and your card statement showing the trip was charged to the card. Some cardholders report clean approvals in a few weeks, while others describe repeated document requests, so lodge early and keep everything dated.
- The biggest gap is activation: if you did not charge at least $500 of prepaid travel to the card, there is no cover at all, and that catches people who book on Qantas points. Pre-existing conditions are excluded unless they are on the auto-covered list or you have them assessed for a $45 fee. Overseas cover stops after three consecutive months per trip on this Platinum tier, and there is no cover once you turn 81. Off-piste skiing, snowboarding and snowmobiling are excluded, though on-piste skiing is covered. There is also no mobile phone insurance, no refund cover, no price protection, and no domestic medical cover, since Medicare applies within Australia.
- Yes, through a separate Interstate Flight Inconvenience benefit that applies to return flights between Australian states charged in full to the card. It covers cancellation up to $3,000, flight delay from four hours at $125 per person, luggage up to $1,500 and luggage delay, but not overseas-style medical cover, because Medicare applies within Australia. Cover runs for up to 14 days from the start of the trip. A $300 excess applies to the cancellation and luggage claims. Treat it as genuine protection for interstate air travel, not a full domestic travel policy, since there is no domestic additional-expenses cover.
- Yes. On top of the overseas rental excess in the travel policy, the St.George Amplify Qantas Platinum includes a separate Rental Vehicle Excess in Australia benefit. It reimburses the excess you are liable for after an Australian hire car is damaged or stolen, up to the lesser of the excess in your agreement or $5,500, with a $300 excess per claim. Charge the whole rental to the card and be a named driver on the agreement. This is a real advantage, because plenty of cards reimburse overseas hires only and leave a domestic road trip exposed.
- No. The St.George Amplify Qantas Platinum does not include mobile phone or screen insurance, so a cracked, lost or stolen phone is replaced out of pocket. Purchase protection can cover a newly bought phone against theft, loss or accidental damage for four months from purchase, up to $10,000 with a $300 excess, but that is not the same as ongoing phone cover. Replacing a flagship smartphone yourself usually costs $1,200 to $2,300. If phone cover matters to you, a standalone mobile or gadget policy is the way to fill this gap.
- On-piste skiing and snowboarding are covered under the overseas travel policy at no extra cost, because they are not named in the excluded activities. Off-piste skiing, off-piste snowboarding and snowmobiling are excluded, so a claim from skiing outside the marked runs would be declined. Your ski equipment is not separately insured while it is in use, so treat expensive gear as uncovered on the slopes. There is no paid snow upgrade on this card, so if you plan off-piste or backcountry runs, a dedicated snow travel policy is the safer option.
- Some are. The policy automatically covers a listed set of stable pre-existing conditions if you meet the stated requirements, such as no recent treatment. Anything outside that list is excluded unless you apply for assessment online at checkyourcover.com.au/stgeorge or by phone, and pay a $45 administration fee if cover is confirmed. Do this before you travel, because an unassessed condition means a related overseas medical claim can be denied, and those bills run into the tens of thousands. Answer the assessment questions honestly and in full, or any confirmation of cover can be treated as invalid.
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