STA Travel Travel Insurance

STA Travel

Looking for a student friendly travel insurance option? Look no further than STA travel insurance. Although focused on students, STA offer a range of affordable and flexible travel insurance to all travellers. Read on for details on their travel insurance policy options to cover your next big trip.

About STA Travel

Operating in Australia since 1979, STA Travel now has over 200 offices around the world and offers travel insurance to 200 million people per year. STA offers cheap flights, accommodation, tours and travel insurance as the world’s largest student, budget and youth travel company. STA Travel insurance policies are underwritten by Allianz Australia Insurance and managed by Allianz Global Assistance.

Rates and fees verified as correct at 10 December, 2016. Other information correct at the time of writing.

STA Travel plans

STA Travel insurance is designed for youth and student travel, which means it's flexible and budget friendly. Policies for single trips come in levels of cover from comprehensive, to standard, down to a simple cancellation and luggage package, while annual multi-trip options are available under comprehensive cover only.
Take a look at our useful table below to compare the policies on offer from STA Travel:

  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Unlimited

    • Events
    • $12,000

    • Unlimited

    • Unlimited

    • $3,000

    • $8,000

    • $25,000

    • $25,000

    • $9,000

    • $12,000

    • $200

    • $12,000

    • $5,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
    • Standard

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Unlimited

    • Events
    • $6,000

    • Unlimited

    • Unlimited

    • $3,000

    • $3,500

    • $20,000

    • $20,000

    • $6,000

    • $6,000

    • $100

    • $6,000

    • Optional

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
= Covered = Not covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


Key policy features to look out for in STA Travel insurance

Pre-existing medical conditions:

Travel insurance policies are designed to cover accidents and unforeseen circumstances while you travel. This means that they don’t generally cover pre-existing medical conditions, except as laid out in your PDS. STA Travel insurance covers 36 pre-existing medical conditions without extra premium, and if your condition doesn’t appear on this list then you can apply to have it covered for an extra premium.  

Fine print: If you’ve been hospitalised for your condition within the last 24 months, it won’t be covered under your STA Travel insurance policy, even if it appears on the list of automatically covered medical conditions. If your condition is undiagnosed, awaiting a diagnosis or currently being diagnosed when you take out your policy, it can’t be covered either.

Travelling while pregnant:

Single, uncomplicated pregnancies up to the 26th week are included in STA Travel insurance policies as a pre-existing medical condition and covered for no extra charge. Like other pre-existing conditions, you can apply to be covered for pregnancies that don’t fit this description, but whether or not you can be covered is left to STA Travel’s discretion.

Fine print: Regular antenatal care, childbirth and care for a newborn child are not included in your STA Travel insurance policy. Also, if you’re claim is related to a pregnancy except in the case described above, your policy won’t cover it.

Not sure if you’re covered? Mozo’s travel insurance guide for pregnancy has lots more helpful information on travelling while pregnant.

Age limits:

STA Travel insurance is designed for students and young travellers, but, for the young at heart, policies can be purchased by people up to and including 79 years of age. Infants and children between 0 and 11 years are included on your travel insurance policy for no extra cost.

Fine print: Age is a factor which will determine the cost of your travel insurance policy - generally, the older the traveller, the more expensive the premium. Also, if you’re 75 or over, you’ll need to purchase the comprehensive travel insurance option.

If you’re travelling as or with a senior, check out our guide to travel insurance for over 55s.

Extending your STA Travel insurance:

Sometimes when you’re travelling, you need to extend your travel insurance cover, either for happy reasons or not. The good news is that if you need to extend your policy because of unforeseen circumstances, like a delay in your travel arrangements that you aren’t responsible for, you can extend your STA Travel insurance policy free of charge. If you’re just having a lot of fun and decide to extend your trip, you can purchase a new policy from STA Travel before your old one runs out.

Fine print:  If you’re extending your trip and buying a new policy, it will only cover up to 12 months time and will not carry on from your old policy, so make sure you read the fine print over again and be sure you understand your new policy. Extensions generally can’t be given on cover for medical conditions, except those listed as automatically covered - for example if you become sick on your trip, that illness usually won’t be covered by your extended policy.

Sports activities:

There is a list of about 50 sport and leisure activities in your PDS that are automatically covered under your STA Travel insurance policy. These include bungee jumping, skydiving and go karting.

Fine print: Not included are other activities, such as BASE jumping or rodeo riding. Any professional or competitive sports or snow sports off-piste are not included either. You should also be careful if riding motorbikes, mopeds or scooters as you won’t be covered unless the person driving holds a valid license.

Cooling off period:

You can decide to cancel your STA Travel insurance up to 15 days after you buy it for a full refund of your premium.

Fine print: After the 15 days you can still cancel your policy, but you won’t be entitled to a refund. You can also only cancel as long as you haven’t started your trip and you haven’t made any claims under the policy.

Important things to remember for a successful travel insurance claim with STA Travel

If you ever do have to make a claim against your STA Travel insurance policy, being prepared and knowing some of the basic rules for a successful claim will make the process much quicker and easier. The fine print can be tricky, so know what it is up front and don’t get caught when it’s already too late! Here are a few things you should remember when claiming on your STA Travel insurance:

How to make a claim with STA Travel

You can make a claim with STA Travel insurance by visiting their travel claims website, or giving them a call. You'll have to complete and lodge a claims form within 30 days of returning to Australia, on which you should include all the relevant details to your claim. These might include:

What next?
You should be contacted within 10 business days to either receive the outcome of your claim, or if necessary, to provide extra information. It’s important to try to include detailed information in the initial claim - if you don’t, it can not only cause delays, but also a reduction in the payment made to you.

Take a look at our travel insurance claims guide for more information about making a successful claim on your travel insurance.

STA Travel customer reviews

The Mozo community has rated STA Travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

STA Travel travel insurance

Overall 8.0*

Value for money

Trust

7 Reviews

* Overall rating based on reviews in the past 12 months.

Recent STA Travel travel insurance reviews Recent STA Travel travel insurance reviews

STA Travel

STA Travel travel insurance review

Overall rating   8 / 10

Very easy to purchase and all questions answered.

I found the process of purchasing the insurance easy and straight forward. Pricing was very reasonable.

Full review

I found the process of purchasing the insurance easy and straight forward. Pricing was very reasonable.

    Value for money   8 / 10

    Trust   8 / 10

Less

Sonia (VIC), reviewed about 1 year ago

STA Travel

STA Travel travel insurance review

Overall rating   7 / 10

Great customer service

They are reliable and easy to get in contact with!

Full review

They are reliable and easy to get in contact with!

    Value for money   7 / 10

    Trust   7 / 10

Less

Trent (ACT), reviewed 12 months ago

STA Travel

STA Travel travel insurance review

Overall rating   10 / 10

Easy, great customer service

Easy no hassle cover. Cheap price for no worries insurance.

Full review

Easy no hassle cover. Cheap price for no worries insurance.

    Value for money   10 / 10

    Trust   10 / 10

Less

Kiri (NSW), reviewed about 1 year ago

STA Travel

STA Travel travel insurance review

Overall rating   8 / 10

Great company

I found them very easy to deal with. My phone got stolen in Paris, I made a claim as soon as I got home and received reimbursement within a few weeks.

Full review

I found them very easy to deal with. My phone got stolen in Paris, I made a claim as soon as I got home and received reimbursement within a few weeks.

    Value for money   8 / 10

    Trust   8 / 10

Less

Solange (VIC), reviewed about 1 year ago

STA Travel

STA Travel travel insurance review

Overall rating   6 / 10

Cheap

Easy and simple.

Full review

Easy and simple.

    Value for money   10 / 10

    Trust   4 / 10

Less

J (VIC), reviewed about 1 year ago

Hide reviews

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Compare STA Travel policies with other Australian Insurers

One of the most important things when choosing a travel insurance policy for your next overseas holiday is to not be too hasty! There are heaps of affordable, flexible options on the market today and finding one to suit you is easier than ever with Mozo’s travel insurance comparison tool. All you have to do is fill in a few details for us, like where you’re going and who you're taking with you and we’ll do the rest! You’ll have a comparison of the travel insurance providers offering options to Aussie travellers right at your fingertips - all you have to do is choose the best one for your trip.

If you’re young or young at heart and looking for a travel insurance policy that reflects the way you like to travel, take a look at our guides dedicated to gap year and backpacker’s travel insurance. And while you’re there, pick up some handy money saving hints from intrepid travellers with our Best $20 I’ve ever spent series.

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