What does the St George Amplify travel insurance actually cover, and when?

Covers all prepaid non-refundable travel with no dollar cap if you cancel for a covered reason, subject to a $300 excess per claim. The covered-reasons list is broad: serious illness or injury, death of a relative, natural disaster, retrenchment, jury duty and more. A travel agent's cancellation fee is capped at the lesser of $500 or 15% of the travel arranged.

Covers overseas emergency medical and hospital costs with no dollar cap, subject to a $300 excess per claim. Treatment and hospitalisation are covered for up to twelve months after the injury or sickness first arises. Emergency dental for sudden acute pain is a separate sub-limit of $2,000.

Covers emergency evacuation and repatriation with no dollar cap, arranged through the 24/7 Allianz Global Assistance line, subject to a $300 excess. Funeral expenses overseas and repatriation of remains are covered without a dollar cap. The assistance team coordinates transfer to the nearest suitable hospital and, where needed, home to Australia.

Covers emergency dental treatment for sudden and acute pain to natural teeth, up to $2,000 per person, with a $300 excess. It applies to spontaneous toothache only, not routine or cosmetic dental work. Treatment must happen during the journey.

Pays $100 per person for each full 24-hour period you spend as an overseas hospital inpatient, up to $15,000 per person, with a $300 excess. It is a cash allowance for incidentals on top of your medical costs. It starts after the first 24 hours of admission.

Covers additional travel and accommodation costs with no dollar cap when injury, illness or a covered disruption forces you to change plans, subject to a $300 excess. It includes emergency expenses for a necessary travelling companion and repatriation of dependants left without supervision. Reasonable and necessary costs only.

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, with a $300 excess. It applies when scheduled transport is delayed for reasons outside your control. Keep the receipts, the insurer asks for them.

Covers reasonable alternative transport to reach your destination on time after a covered delay, up to $3,750, with a $300 excess. It applies when a delay would otherwise cause you to miss a connection or a prepaid arrangement. Only necessary extra transport is covered.

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, with a $300 excess. Resumption of the trip is included, not just the flight home. The relative must be as defined in the policy.

If the carrier delays your luggage more than twelve hours, covers essential replacement purchases up to $800 per person, capped at $1,600 for a family, with no excess. Keep receipts for the items you buy during the wait. This benefit is deducted from any later luggage loss claim for the same items.

Covers lost, stolen or damaged luggage and personal effects up to $20,000 per person, capped at $30,000 for a family, with a $300 excess. Per-item sub-limits apply: $5,000 for most items, $5,500 for a camera, and $5,500 in total for laptops. Depreciation applies to older items.

Covers replacement of travel documents, transaction cards, travellers cheques and cash up to $550 per person, capped at $1,250 for a family, with no excess. It applies to loss or theft during the journey. Reasonable costs to reissue documents are included.

Covers your legal liability for injury to another person or damage to their property overseas, up to $2,500,000, with no excess. It applies to claims arising during the journey. Liability linked to a vehicle, aircraft or watercraft is excluded.

Pays a lump sum of $50,000 for a cardholder, and $25,000 each for a spouse or dependant, if an accident during the journey causes death, with no excess. The family total is capped at $150,000. It is paid to your estate.

Replaces verified income up to $1,000 per week for a cardholder or spouse who cannot return to work because of an overseas injury, with no excess. It is limited to twelve weeks of incapacity and $12,000 in total. You must provide proof of your income.

Covers cancellation of prepaid interstate flights up to $3,000, with a $300 excess, under the Interstate Flight Inconvenience benefit. The entire return interstate airfare must be charged to the card. It covers the flight cost, not overseas-style trip cancellation.

After a four-hour delay to an interstate flight, pays $125 per person for meals and accommodation, capped at $500, with no excess. It applies to return interstate flights charged to the card. The cover is for the delay, not the ticket.

No domestic additional expenses cover. The interstate benefit covers cancellation, flight delay and luggage only, not extra travel or accommodation from disruption. Extra meals and accommodation during an interstate trip beyond the flight delay allowance are the cardholder's responsibility.

Covers loss, theft or damage to luggage on an interstate flight up to $500 per item and $1,500 in total, with a $300 excess. The return interstate flight must be charged to the card. Per-item limits apply.

If interstate luggage is delayed more than twelve hours, pays $125 per person for essentials, capped at $500, with no excess. The flight must be charged to the card. It covers reasonable replacement purchases during the delay.