Southern Cross Travel Insurance

Posted November 19th, 2013 and last modified November 23rd, 2014

Southern Cross Travel Insurance Review - Compare Policies and Apply Online

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The unpredictable nature of travel means that things can, and often do, go wrong at the worst possible time.

Luggage gets lost, thieves steal your valuables, flights are cancelled, and illness and injury can conspire to destroy your holiday plans.

When you’re stuck in another country and problems arise, your dream trip can quickly turn into a nightmare.

No matter where you’re travelling, good travel insurance is a must to protect you against the unexpected. Not only does travel insurance offer security against the possibility of losing money spent on your holiday, it also guarantees peace of mind.

Rates last updated December 23rd, 2014
Provider Product Product Details Apply
Southern Cross Single Trip Policy
  • Unlimited medical and evacuation cover
  • $25,000 Individual and $50,000 Family cover for baggage and personal items
  • $5,000 rental vehicle excess cover
  • $50,000 Individual and $100,000 Family cover for changes to your planned journey
  • $1,000,000 personal liability cover
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Southern Cross Annual Multi-Trip Policy
  • Unlimited medical and evacuation cover
  • $25,000 Individual and $50,000 Family cover for baggage and personal items cover
  • $5,000 rental vehicle excess cover
  • $50,000 Individual and $100,000 Family cover for changes to your planned journey
  • $1,000,000 personal liability cover
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Who is SCTI?

Southern Cross Travel Insurance (SCTI) are travel insurance experts.

An APRA and ASIC regulated general insurer, SCTI insures hundreds of thousands of travellers.

This article provides information on SCTI and the policies it offers to help you decide whether SCTI is the right option for you.

SCTI is a member of the Financial Ombudsman Service, the Insurance Council of Australia and a signatory to the Australian General Insurance Code of Practice.

SCTI won the CANSTAR International Travel Insurance star rating award for Outstanding Value for the 2013 travel insurance survey. The CANSTAR ratings are awarded to companies that have ‘the right balance between price and product features’, and 2013 is the fifth year in a row SCTI has achieved this award.

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Why Consider Southern Cross Travel Insurance Australia?

Southern Cross Travel Insurance offers great value and benefits.
SCTI are the only travel insurance company in Australia selected by CANSTAR for the Outstanding Value Award in International Travel Insurance five years in a row.

Key Benefits:

  • 24 hour worldwide emergency assistance
  • overseas hospitalisation and medical expenses
  • medical evacuation back to Australia
  • travel cancellations and interruptions
  • lost, stolen or damaged personal items
  • personal accident
  • personal liability
  • rental vehicle excess

Worldwide Assistance

Southern Cross offers worldwide assistance, giving you access to a global network of emergency medical resources 24 hours a day, seven days a week.

If you have an accident or get sick while on holiday, Southern Cross Worldwide Assistance can help you locate the nearest registered English speaking medical practitioner, arrange emergency medical evacuation and provide payment guarantees to hospitals or emergency clinics.

This offers you increased peace of mind while overseas, along with the reassuring knowledge that help will be available when you need it most.

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Southern Cross Travel Insurance Policy Options

Range of Cover Types

SCTI offers two policy types depending on the number of trips you intend to take in a year, a single trip policy and a multi trip policy.

  • a single trip policy provides cover for a single journey overseas
  • a multi trip policy provides cover for an unlimited number of journeys overseas, each no longer than 90 days, over a 12 month period.

This choice of options lets you select the perfect policy for your specific needs.

To ensure you have comprehensive cover in your destination, SCTI has three different plans to choose from:

The ‘World – Includes USA & Canada’ plan covers all countries. This plan must be selected if you are visiting the USA or Canada.

Individual or Family Cover

SCTI offers a range of options to help tailor your travel insurance coverage to suit your needs. Individual and family plans are available to insure one or more people, and dependent children are covered for free under both types of plans.

  • Individual cover applies to one adult, or one adult and any of his or her dependent children travelling together on the same itinerary.
  • Family cover applies to two adults travelling together on the same itinerary, or two adults and any of their dependent children travelling together on the same itinerary.

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SCTI Cover of Dangerous Countries

Southern Cross Travel Insurance advises potential customers to select a travel insurance plan that is meant for the destination they are headed to. If you choose a travel plan that does not cover the specific countries you are going to or passing through, then any claims arising from travel to those countries may not be covered by SCTI. Whether you are actually headed to a particular destination or simply passing through it, you need to ensure that you choose the appropriate type of TravelCare plan.

The Australian government does issue travel warnings to Australians going to certain countries due to war, terrorism, or any other event that could be considered dangerous. Hence, if any country is mentioned on the official do-not-travel list, then Southern Cross Travel Insurance may not cover you if you decide to visit any of those countries. Therefore, it is advisable to check the do-not-travel advisory of the Australian government before planning a trip so as to ensure adequate travel insurance cover.

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Southern Cross Travel Insurance Benefit Options

SCTI policies cover the following:


  • Medical expenses and evacuation. If, as a result of an unexpected event, you require medical treatment during your journey, SCTI will reimburse you for your medical expenses. Medical evacuation is also covered, even if you need to be repatriated to Australia.
  • Emergency dental treatment.
  • Cash allowance while in hospital to help you cover necessary expenses.
  • Extra travel and accommodation costs incurred if you are unfit to travel.
  • If you are travelling alone and hospitalised for more than 10 days, SCTI will cover the cost of flights and accommodation for a friend or relative to travel from Australia and stay by your side.
  • Funeral expenses.

Changes to Your Journey

  • If you have to cancel or alter your journey before leaving Australia, for example due to an unexpected illness or the loss of your job, the policy helps you recoup the pre-paid expenses you’ve spent booking your holiday.
  • Travel interruption. If your trip is delayed or disrupted, for example a delayed flight causing you to miss a connecting flight, cover is provided.
  • Cover also applies if unexpected delays cause you to miss a special event, or if an unexpected event forces you to cut your journey short and return home to Australia.

Baggage and Personal Items

  • You are covered for your items that are lost, stolen and damaged items while you are away.
  • Baggage delay. If an airline misplaces your baggage for 12 hours or more, you will be reimbursed for the cost of buying essential items of clothing and personal effects until your bags catch up with you.

Cash and Travel Documents

  • Cover is provided for lost or stolen cash.
  • If your essential bank cards, travel documents or passports are lost, stolen or damaged, SCTI will reimburse you for the cost of their replacement.

Personal Accident

  • This covers things like death or disablement during your journey, as well as loss of income as the result of an injury.
  • Cover is also provided for personal liability.

Rental vehicle Excess

  • Cover for rental vehicle excess is also available. If you hire a rental vehicle overseas and it is stolen or damaged on your journey, SCTI will reimburse you for any excess payable to the rental company that is not refundable.

As with any insurance policy, limits and exclusions apply to the cover available. Make sure to read the Product Disclosure Statement (PDS) closely so you know exactly what the policy does and doesn’t cover.

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What is the Southern Cross Travel Insurance Excess?

A $100 excess applies per event to any claims made under the Medical, Changes to Your Journey, Baggage and Personal Items, and Cash and Travel Documents sections listed above.

For example, if your wallet containing your cash and credit cards is stolen and you make a claim, an amount of $100 will be deducted from the claim paid amount.

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Southern Cross Travel Insurance Pre-Existing Conditions

If you want to be covered for your pre-existing condition/s, you can seek cover during the policy application process.

To do this, you will be asked to complete a simple online medical assessment. The results will be displayed to you before you decide whether or not to proceed with the policy, letting you make an informed choice about what you’re signing up for. An additional premium will apply if SCTI does offer cover for your pre-existing condition.
If you do not want to apply for cover for a pre-existing condition, you can opt to leave these excluded during the application process.

It’s important to note that pre-existing conditions are excluded under a SCTI policy.
This means that any medical or physical conditions or symptoms which you are aware of prior to the start date of your insurance, or that a person in your circumstances ought to have been aware of, are not covered. Some minor and common conditions, such as acne, asthma, migraines and hayfever, are automatically covered by the policy unless otherwise specified.

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Southern Cross Travel Insurance F.A.Qs

Q. Can I extend my TravelCare policy when I'm overseas?

A. If you are overseas and you choose to extend your journey, you can request an extension of your policy by emailing SCTI at
Please review this FAQ for more information regarding extending your policy:

Q. Can I change my policy after I have applied for it?

A. It is possible to make adjustments to your policy provided you have not yet departed Australia. An additional charge may apply for some amendments.

Q. I have a pre-existing medical condition. Is it covered under the TravelCare policy?

A. Pre-Existing Conditions are excluded under the policy. However, you can apply for cover by completing an online medical assessment during the policy application process at

Once you have entered your travel details and selected that you have a Pre-Existing Condition, you will be able to enter the name of the condition and if applicable, you will be prompted to provide more details about it. You will be able to view the results of your medical assessment with no obligation to purchase the policy.

Depending on the travel related risk of your Pre-Existing Condition, an additional premium may apply if we are able to offer cover. If you choose to pay the additional premium, the condition would be considered a Covered Condition under the policy.

If there is a change to your Covered Condition after your Start Date of Insurance, but prior to your Start Date of Journey, you must notify us at

If we do not offer cover for your Pre-Existing Condition, or you choose to 'opt out' of having the condition covered under the policy, any claims arising directly or indirectly from the Pre-Existing Condition will be excluded under all sections of the policy.

How do you cancel a TravelCare policy?

If you are not completely satisfied with the terms and conditions of your policy, you may cancel within 14 days of purchase, but before your start date of journey, and receive a full refund provided no claims have been made.

If you cancel later than 14 days after purchase, but before your start date of journey, you are still entitled to a refund, less a $35 cancellation fee. If you cancel your policy no claims may be made by you.

No premium is refundable once a claim is made, or after your start date of journey.

To cancel your policy, please use the online cancellation function on our website.

You can find more FAQs by visiting our website:

Apply for Southern Cross Travel Insurance

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Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
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10 Responses to Southern Cross Travel Insurance

  1. Default Gravatar
    Steph | December 17, 2014

    Hello, what is the process is required to make a claim with your company?

    • Staff
      Richard | December 17, 2014

      Hi Steph,

      Thanks for your question. Unfortunately, you have come through to, which is a comparison website. However, if you are looking to make a claim with Southern Cross Travel Insurance, you can contact the by following the link below:
      Southern Cross Travel Insurance Claims

      I hope this was helpful,

  2. Default Gravatar
    Sally | October 27, 2014

    I am an Australian citizen currently living in China. I am skiing in Japan in January, can I be covered by your Ski insurance?

    • Staff
      Richard | October 28, 2014

      Hi Sally,

      Thanks for your question. As you are living in China you are not able to take out this cover option. Unfortunately, most insurers that offer an Already Overseas option require that you are returning to Australia at the end of the trip. It would be a good idea to look into a local provider.

      I hope this was helpful,

  3. Default Gravatar
    Peter | September 8, 2014

    I am at present holidaying in Australia and my original travel dates were from 14th June to 14th Sept 2014. However, just recently, a family circumstance has occurred requiring me to remain in Australia for a further week and I will not now be returning to NZ until Saturday 20th Sept 20th. Could my policy be extended to cover me for an additional 6 days. I will of course pay any extra fee that this change may require. Thank you for your attention to my request.


    • Staff
      Richard | September 8, 2014

      Hi Pete,

      Thanks for your question. Unfortunately as a comparison site, does not access to policy information. However, after consulting the SCTI PDS:

      “If You choose to extend Your Journey, You can request an extension of Your Policy by emailing us [Southern Cross Travel Insurance] at prior to Your End Date of Journey. If You have a Single Trip Policy, no extension will be granted once the initial Policy has expired. If You have a Multi Trip Policy, no extension will be granted once the 90th day of a Journey has passed. Any extension to a Policy will be at Our [Southern Cross Travel Insurance] discretion. Any extension to a Policy will comprise a new Policy and a new premium will be payable. Any events that have occurred prior to the date this extension is issued will not be considered an Unexpected Event under the new Policy.”

      I hope this was helpful,

  4. Default Gravatar
    Roger | July 17, 2014

    Who underwrites the policy. Regards Roger

    • Staff
      Shirley | July 18, 2014

      Hi Roger,

      Thanks for your question.

      On the Southern Cross Travel Insurance website it states that, “Southern Cross Benefits Ltd trades as Southern Cross Travel Insurance (SCTI) who is the underwriter and distributor of the TravelCare policy.”


  5. Default Gravatar
    brigitte | February 21, 2014

    Hello i have a long car drive to airport if my policy starts on the day of travel does this also include leaving home and travel to airport, as you know car accidents are probably more commen than accidents on hoiidays.

    • Staff
      William | February 21, 2014

      Hi Brigitte,

      According to the Southern Cross Travel Insurance Product Disclosure Statement, Cover will start for Single Trip Policies on “the date as specified on Your Certificate of Insurance, or the date and time that You depart from Australia, whichever occurs later.”

      This indicates that it is unlikely that you would be covered for events that may occur on the way to the airport. You may wish to confirm this with Southern Cross Travel Insurance before purchasing your cover.

      Thank you for your enquiry and all the best.

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