SGIC Travel Insurance

SGIC is a South Australian provider of travel insurance, car insurance, home & contents insurance and business insurance.

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The table below displays a snapshot of SGIC’s travel insurance policies on Outstanding Value Award WinnerCanstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.

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What types of travel insurance does SGIC offer?

SGIC offers both domestic and international travel insurance. If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

What does SGIC domestic travel insurance cover?

SGIC’s domestic travel insurance policy will cover you for lost or stolen luggage, cancellation fees, lost deposits, rental vehicle excess, emergency accommodation and legal liability.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on SGIC’s website.

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What does SGIC international travel insurance cover?

SGIC’s International Comprehensive policy will cover you for:

  • Medical cover: SGIC offers unlimited medical, dental and hospital cover. You must provide a medical practitioner’s report confirming you’re unfit to travel.
  • Loss/theft of personal items: SGIC also covers the loss or theft of personal items, including trip delays or damage. It will pay up to $12,000.
  • Travel delays/cancellation: SGIC Comprehensive offers cancellation cover and lost deposits which are determined at the time of application. It also offers up to $4,000 in additional travel and accommodation due to strikes, natural disasters, riots or other severe weather conditions that may delay your trip.
  • Rental car excess: If, as a result of an unexpected event, the rental vehicle you have hired is stolen or damaged during your journey, SGIC Comprehensive will reimburse you for any non-refundable excess payable to the rental vehicle company of up to $4,000.
  • 24/7 assistance: SGIC’s emergency worldwide assistance team is available 24 hours a day via phone.
  • Lost or stolen documents: SGIC will cover the cost involved in replacing important documents that have been lost or stolen.

Please note that exclusions may apply. For example, your medical cover may not pay claims for medical or dental treatment received in Australia, while it will only cover losses related pregnancy up to and including the twentieth week. Another example of an exclusion is not being covered for any delays caused by a natural disaster occurring before the start date of your insurance.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on SGIC’s website.

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Yes, SGIC’s international travel insurance policy has unlimited cover for overseas medical, dental and hospital expenses under the following circumstances:

  • You need medical assistance for an unexpected illness
  • You’re seriously injured in an accident
  • You need to be evacuated for an unexpected injury

As always, various conditions and exclusions will apply. It’s highly unlikely that you will be covered if the injury you suffer is classified as a ‘pre-existing condition’, for example.

For more information, read SGIC’s Product Disclosure Statement.

Yes, SGIC will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under SGIC’s international policy, up to $12,000 worth of your belongings will be covered. SGIC will also cover the cost of essential medication if lost or destroyed and has sub-limits for items such as laptops, tablets and cameras.

Again, there are exclusions that come with SGIC’s travel insurance policies. For personal items and jewellery, you must specify them before applying, and all items must be approved by SGIC; otherwise they will not be covered. Ensure you check the PDS to find out more about what items and luggage are and aren’t covered.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, SGIC Premium travel insurance will provide cover on lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy. These limits are determined at the time of application. Read the Product Disclosure Statement for more information.

You can purchase an SGIC travel insurance policy by first comparing your options with Canstar and then generating a quote online.  The generator should ask questions such as travel dates, the age of the travellers and the destination, as well as optional extras including snow sport and sub-limits on valuables. It should take around 10 minutes.

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There are two main ways you can lodge a travel insurance claim with SGIC, including:

  1. Calling its claims line on 1300 135 640, (domestic enquiries) or +61 (02) 8907 5584, (international enquiries) and talking to one of its qualified customer service representatives.
  2. Downloading the applicable claim form online, and sending it with the original documentation to:

SGIC Travel Insurance

c/o Cover-More Claims Department

Private Bag 913

North Sydney NSW 2059

Make sure you have the following documents (and details) ready:

  • Policy number
  • Personal details
  • Supporting documentation (flight details, itinerary, receipts, etc.)
  • Bank account details

Check out our guide on how to make claiming for travel insurance easier.

SGIC, standing for State Government Insurance Commission, was first founded in 1971 to provide a source of insurance for the residents of South Australia. It was acquired by IAG in 1998, and today is one of the leading providers of insurance in the state.

SGIC also has a community grants program that focuses on road safety, crime prevention, emergency readiness and response partnerships.

Written by: Regina Collins | Last updated: