Travel insurance
unapologetically for adventurers.

Yes, absolutely! We have a flexible approach to make things simple for you when changes need to be made, with most changes being able to be made by you via the Stella Hub.

Date Change? Switch up your travel dates any time before your journey starts.

Policy Cancellation? If you do so within the cooling-off period, which is within 21 days of purchasing your travel insurance and before you have departed, we provide a full refund.

If you need to cancel after the cooling-off period and you satisfy our eligibility conditions, premiums will be refunded pro-rata from the cancellation date.

Refunds are only possible if you haven’t started your trip, haven’t claimed, and aren’t planning to claim. When a policy cancellation has been accepted, we will process your refund within 15 business days.

Absolutely. Trip Cancellation will be covered when unforeseen plans change.

This includes unexpected events like unforeseen illness, medical issues, or even an unexpected passing.

Plus, coverage extends to cancellations or restrictions by the carrier of pre-paid scheduled public transport services, caused by severe weather, natural disasters, strikes, and more. For full details read the PDS.

Regardless of the type of travel emergency—from a natural disaster to terrorist attack, to a serious injury—we can help you. Contact us soon as possible and we’ll guide you every step of the way.

Call us in the time or emergency on 1300 633 811­­ , or email us at help@robinassist.com.

You will need to add your little ones to the policy for your kids to be covered. Don’t worry they are much less expensive to provide cover for than the parents. The other good thing is that the benefits are provided on a per person basis for everyone listed on your policy, giving you more coverage for when the unexpected happens.

If you rent a vehicle during your trip that includes comprehensive car insurance cover, you will need to select the Rental Vehicle Excess optional cover to be covered.

We’ll cover you for the rental vehicle insurance excess or repair costs (whichever is lower) you’re liable for if the rental vehicle is damaged or stolen while in your control during the trip; or the cost of returning your rental vehicle to the nearest depot, including related airport concession charges, if you can’t return the vehicle due to an event covered by this policy.

We won’t cover any claim for an event occurring outside the hire dates nominated on the Certificate of Insurance; or the operation of a rental vehicle in violation of the terms of the rental agreement. For example, driving on unsealed roads.

For general exclusions and special conditions relating to this option, please see the PDS.

In most cases this should be possible, and you can do this via the Stella Hub. If you have any questions, please get in touch with our team to explore extending your policy. We’ll take several factors into account, including whether the original policy has lapsed.

However, in circumstances where your return is delayed due to a covered event, the policy automatically extends at no extra cost until you can get home via the fastest route.

Unlike our international travel insurance policies, the domestic travel insurance policy doesn’t have a specific list of excluded activities. This means that most activities are covered under the cancellation/interruption benefit. However, it’s important to note that the policy does not cover medical expenses.

Yes, absolutely! Non-residents are eligible to purchase the policy.

Travelling with a little extra luggage? Don’t let pregnancy stop you from travelling.

It doesn’t matter how far along you are in your pregnancy; if your doctor has given you the okay to travel, we’ll cover you. That means we’ll pay for cancellation or trip interruption costs due to unexpected serious complications that may happen before or on your holiday. You’ll just need to provide a doctor’s note if you’re past 19 weeks for twins or multiple children or 24 weeks for a single child.

However, certain exclusions apply, including childbirth costs and newborn care. Also, cover depends on factors like the stage of pregnancy and medical history:

• Timing Matters: No cover if pregnancy goes beyond the 24th week for a single child, or 19th week for twins/multiple children, unless medically cleared.
• Complex Cases: If conception was medically assisted, if complications arose, or if previous pregnancies had issues, coverage might not apply.

Travel assistance can be just about anything you need while travelling (or even before).

It covers a range of services – from lost baggage to travel tips and emergency messages to loved ones. Basically, whatever you need for a smooth journey, we’ve got it covered.

For general enquiries or support, call us on 1300 633 811, reach out to us via live chat online or email us at hello@stellainsurance.com.au. Our friendly team is here for you from 9am – 5.30pm (Local Sydney Time), Mon – Fri.

For 24/7 emergency assistance, call us on 1300 633 811 or email us at help@robinassist.com.

We understand medical costs can be a worry. Unfortunately, the policy doesn’t include coverage for medical expenses.

Yes, absolutely! Cancelling your trip due to a medical condition is something the policy covers under the Cancellation/Interruption benefit. You can see the list of coverable events under this benefit in the PDS.

Yes, the policy can be used for van-life trips! It has optional rental vehicle excess cover, which is helpful for van travel.

Yes, you can. The policy will cover your cancellation costs if you need to cancel your Australian domestic cruise for a covered reason. There’s no add-on for this; just select the cancellation cover you need when you purchase the policy. Please note the policy doesn’t include medical coverage, so any medical needs on your cruise would need to be handled separately.

For our Domestic Travel Insurance your excess will be $100, which is a fixed amount and cannot be changed.