| Overseas medical and hospital expenses | Unlimited |
|---|---|
| Cancellation and amendment fees | $2,500 (options to increase up to unlimited) |
| Luggage and personal effects | $25,000 |
| Maximum age limit | 118 |
Table updated December 2023
Southern Cross Travel Insurance won the 2023 comprehensive award because it goes further than the majority of insurers. It scored highly for COVID benefits, cancellation fees, luggage damage cover and more. It's also taken the top place for the seniors category.
Full list of 2023 winners
In addition to being the comprehensive winner, SCTI is also our value runner-up. That's because it's one of the most competitively priced policies on the market. Only 2 policies (Fast Cover and Medibank) came out as cheaper when we gathered quotes for dozens of destinations.
Full list of 2023 winnersSouthern Cross Travel Insurance is one of only a few insurers we've found that offer some cover for COVID-related claims. 3 key benefits are as follows:
There are some scenarios that are not covered and you should review the Southern Cross Travel Insurance product disclosure statement (PDS) before making a decision on whether this cover meets your needs. A major exclusion to be aware of is that you must be fully vaccinated to be covered for COVID-19 expenses.
Other COVID-19 exclusions include:
If Southern Cross's COVID-19 cover isn't quite hitting the mark, we've compared all the providers that offer cover for COVID-19 here.
In total, Southern Cross offers 5 travel insurance policies. These are: Domestic, International Medical Only, International Comprehensive (Single Trip),International Comprehensive (Annual Multi-trip) and Working overseas. Here are some of the main insured events a policy can cover you for:
Domestic
International Medical Only
International Comprehensive Single Trip
International Comprehensive Annual Multi-trip
Working Overseas
The insurance is issued by Southern Cross Benefits Limited, trading as Southern Cross Travel Insurance.
The cooling-off period is 14 days which means you can change your policy or cancel within this period, and Southern Cross will refund your premium in full. The excess is the amount you usually need to pay when you make a claim, but with Southern Cross, you can choose to remove your excess for a higher premium.
Here are some of the main policy benefits to help you find out if Southern Cross Travel Insurance can provide the right cover for you.
For more flexibility, Southern Cross Travel Insurance gives you the option to add extra cover to your policy. This can be done after you select your level of cover.
Like all insurers, there are a few situations you won't be covered for under your travel insurance policy. Southern Cross Travel Insurance will not generally provide any cover in the following situations:
Other exclusions which could apply to a COVID-19 claim include:
Make sure you read Southern Cross Travel Insurance's PDS for a full list of situations that won't be covered.
Making a claim with Southern Cross Travel Insurance is easy and the whole process can be done online. Remember to keep any supporting documents such as receipts, medical notes or police reports to help your claim go through smoothly.
Southern Cross offers 4 straightforward policies with enough customisation and flexibility to suit most travellers. You'll find generous limits for theft or damage to your belongings, dependent children up to the age of 21 covered for free and the ability to extend your cover if you decide to stay overseas longer. All features that you don't find every day with other insurers.
Where Southern Cross Travel Insurance falls short is with certain exclusions in its policies. There is no cover for cruises that stay in Australian waters or pregnancy after 24 weeks. While Southern Cross does have COVID-19 cover, it comes with more restrictions than other insurers, including the need to be fully vaccinated.
If you're still not sure about Southern Cross, you can compare other travel insurance companies here.
Check out our coupon codes for Southern Cross Travel Insurance.
Hi John,
You may be covered for trip cancellations if you need to cancel due to sickness, so long as you took out cover before you became sick. It’s likely that you will need to provide evidence that you’re unfit to travel from a doctor.
I’d suggest contacting the insurer directly.
Thanks,
Gary
i am considering the medical only international insurance cover but i have not been vaccinated against covid 19. can i still buy this policy
Hi Graham,
Thanks for your message. While I can’t see anything in Southern Cross’ Eligibility criteria that specifically mentions the need to be vaccinated against COVID, it’s best to reach out to the insurer directly to confirm this.
Best,
James
Hi Penny,
Yes you should still inform them of your pre-existing condition.
Kind regards,
Gary
bought a policy no 13086815 . have recieved no email.
Hi Dave,
This is a Finder review page about Southern Cross Travel insurance. We are not directly affiliated with Southern Cross, so you’ll need to contact them directly about your policy.
Hope this helps!
Would like to know how much for a cover from 28 March 2023 to 31 March 2023 for a cruise from brisbane to whitsuncays and return.
im 75 and have mild asthma.
Hi Gaye,
To compare your options for travel insurance, pop your dates and travel details into this form:
https://www.finder.com.au/travel-insurance
You can think click on the policy that is the most suitable and follow the links to purchase.
Hope this helps!