Southern Cross Travel Insurance Review

Find out why SCTI has become one of Australia and New Zealand's top travel insurers and receive a quote for cover

Southern Cross Travel Insurance Logo

Since entering the insurance market in 1982, Southern Cross has grown to become one of the most trusted and awarded insurers for Australian's and New Zealanders planning their next trip. Southern Cross offers a number policies to choose no matter what your cover needs with unlimited medical and evacuation cover, worldwide emergency assistance and free cover for dependent children.

This review will give details of the cover provided under the different plans from Southern Cross. If you would like to take out cover immediately, you can follow the secure links below through to the Southern Cross website or enter your trip details to see how they compare to other insurers on the market.

Cover from $15* and No Excess on Medical Claims

Get cover from just $15 and pay no excess on medical claims

Policies from Southern Cross - Receive a secure quote online

Provider Product Product Details Apply
Southern Cross Single Journey

Unlimited overseas medical expenses

$25,000 luggage and personal effects

$5,000 rental vehicle excess

$50,000 alternative travel expenses

Get quoteMore info
Southern Cross Annual Frequent Traveller

Unlimited overseas medical expenses

$25,000 luggage and personal effects

$5,000 rental vehicle excess

$50,000 alternative travel expenses

$1,000,000 personal liability

Get quoteMore info

Who Underwrites Southern Cross Travel Insurance?

Southern Cross Benefits limited is a registered financial services provider and member of the Insurance and Savings Ombudsman. Southern Cross underwrites the TravelCare suite of products.

How do Southern Cross policies compare side-by-side?

Below is what you will be covered for under the Southern Cross Single Journey and Annual Frequent Traveller Policy. Please note that some of the cover options will have sub-limits applied for certain events.

Cover FeatureIndividual Single JourneyFamily Single JourneySingle Frequent TravellerFamily Frequent Traveller
Medical and EvacuationUnlimitedUnlimitedUnlimitedUnlimited
Changes to Your Journey$50,000$100,000$50,000$100,000
Baggage and Personal Items$25,000$50,000$25,000$50,000
Cash and Travel Documents$1,000$2,000$1,000$2,000
Personal Accident$25,000$50,000$25,000$50,000
Personal Liability$1,000,000$1,000,000$1,000,000$1,000,000
Rental Vehicle Excess$5,000$5,000$5,000$5,000
Get QuoteGet QuoteGet QuoteGet Quote

Want to see how well SCTI compares to 1Cover and TID? Find out here

What am I actually covered for?


  • 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.

Personal liability

  • Cover is provided if you become legally liable

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.

Different cover options to suit your travel needs

SCTI offers two policy types depending on the number of trips you intend to take in a year, a single journey policy and an annual frequent traveller policy:

  • Single policy. A single journey policy provides cover for a single journey overseas
  • Annual policy. A annual frequent traveller 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 regions to choose from:

Cover the kids for free

Southern Cross will provide free child cover provided they are:

  • Your unmarried children, stepchildren, foster children, grand children, nieces or nephews
  • Aged 17 years or under
  • Not engaged in full-time employment
Back to top

How does SCTI compare to other providers?

Do they cover cruise travel?


Do they cover ski related losses?YesYesYes
Who are they underwritten by?Southern Cross Benefits LtdCertain underwriters at Lloyd'sAllianz
What is the cooling off period?14 days14 days14 days
Is there a group travel option available?For groups of a maximum 11 peopleFor groups of more the 10 peopleFor groups of a maximum 25 people
Are dependents covered at no extra cost?Yes, children under 17*Yes, children under 21*Yes, children under 21*
Is there an excess eliminator?NoYesYes
How long can single trips be on an annual policy?90 days
  • International and domestic trip max 38 days
  • Business trips for a max 90 days
90 days
What is the maximum age of people cover?There is no age limit to purchase the TravelCare policy
  • Single 81
  • Annual 76
  • Single last birthday no limit
  • Annual last birthday 59
Baggage & Personal Items$25,000$12,000$15,000
Travel Documents$1,000$2,000$5,000
Cancellation and trip interruption$50,000UnlimitedUnlimited
Medical & EvacuationUnlimitedUnlimitedUnlimited
Personal Accident$25,000$25,000$25,000
Personal Liability$1,000,000$2,500,000$5,000,000
Rental Vehicle Excess$5,000$4,000$5,000

Want to see how SCTI compares to other insurers? Use our travel insurance quote comparison tool at the end of this article.

Find out more about how these three insurers match-up

What is the Southern Cross Travel Insurance excess charged?

A $100 excess applies per event to any claims made under the 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.

Back to top

What are the benefits of SCTI policies?

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 emergency 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 Travel Insurance Emergency 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.

Am I able to make changes to my policy?

I want to extend my policy, can I?

You can contact SCTI to request an extension of your policy but some conditions apply

  • No extension will be provided for Single Journey cover once the initial policy has expired
  • No extension will be provided for a multi-trip policy once the 90th day of a journey has passed
  • Events that have occurred before the new policy is issued will not be considered as unexpected
  • You will need to let SCTI know reasons for the extension and where you plan to travel to

I want to amend my policy, is that possible?

You can amend your policy by contacting SCTI with your amendment details. An additional charge may apply and you cannot make amendments after your trip has started.

Back to top

Can I get cover with with a pre-existing condition?

Pre-existing conditions are excluded under a SCTI policy. However, you can seek cover for your pre-existing conditions during the policy application process by completing 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.

There are some conditions, such as acne, asthma, migraines and hay-fever, that are automatically covered under Southern Cross Travel Insurance policies, unless otherwise specified.

Condition CategoryDefinitionWhat you need to do
Controlled Condition (Covered AutomaticallyCondition is recognised as controlled and is automatically covered by Southern Cross Travel InsuranceYou must tell SCTI if the injury or illness occurs after the start date of your policy but before the commencement of your journey
Covered Condition (Covered and Confirmed by Email)The condition is covered one you have completed the medical assessment process and SCTI has received the additional premium payment and has confirmed payment has been receivedYou must notify SCTI if there is a change to your condition after the start date of your insurance but before the commencement of your journey
Pre-Existing Condition (Not Covered)Condition is not covered after you have completed the medical assessment processCondition will remain uncovered for the period of insurance
Pre-Existing Condition (Not Covered)You do not want cover for the condition or you do not tell SCTI about your pre-existing conditionYou are not able to inform SCTI about a pre-existing condition after your policy has started

Can I get cover for my camera, jewellery or other expensive items?

SCTI provide the following cover for "unspecified items":

  • $2,500 maximum payment for Jewellery/watches
  • $3,000  maximum payment for unspecified Laptops/Tablets/Personal Computers
  • $1,500 maximum payment other unspecified items per journey

The original purchase price less depreciation which is determined by the age of the item applied at reasonable rate by SCTI.

Southern Cross Travel Insurance cover for "specified items":

  • $10,000 maximum payment per item
  • $15,000 maximum total paid for all specified items per journey

The current value of the item will be paid. Additional cover for specified items can be taken out when purchasing cover.

What evidence will be required for specified items in a claim?

  • Original receipt dated within 12 months from when item was specified for cover or
  • Original receipt as proof of ownership and valuation dated within 12 months from when item was covered
  • Documentation showing items specified on contents insurance policy dated within 12 months that item was specified.
Back to top

How do I make a claim with Southern Cross?

Step 1

You will need to submit your claim using the SCTI online claiming system. The main Southern Cross Travel Insurance policyholder must enter their personal details including:

  1. Policy number
  2. Date of birth
  3. Last name
  4. Email address.

Once these details have been submitted, you will be forwarded onto your policy. To submit a claim, you must have access to an Australian bank account number.

Step 2

What section do I enter my claim under? You will need to determine the type of claim you are lodging. Options include:

  • Medical & Evacuation. If you are claiming for an overseas medical expenses.
  • Changes to Your Journey. If you are claiming for missed flights or cancelled accommodation and tour/s.
  • Medical & Evacuation. If you are claiming for additional accommodation, travel, communication or meal costs incurred overseas as the result of an illness or injury.

Step 3

Where do I send my receipts and documents for my claim? Once you have submitted your claim online, SCTI will send you a confirmation email with your claim number. The email will also contain an attachment with a header sheet. You will need to print out, sign and send the header sheet to SCTI, along with original copies of any supporting documentation. Post all original supporting documents (along with your claim number) to:

Southern Cross Travel Insurance

PO Box 5176


VIC 3205

Southern Cross Travel Insurance F.A.Qs

Q. Can I extend my Southern Cross Travel Insurance 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

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 Southern Cross Travel Insurance policy?

A. You can apply for cover by completing an online medical assessment during the policy application process. 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 will apply if SCTI 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 SCTI.

If SCTI does 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.

Q. How do you cancel a Southern Cross Travel Insurance policy?

A. 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 the SSouthern Cross Travel Insurance website.

Q. Am I covered for Cruise Trips?

A. Yes. Worldwide cruises are covered by TravelCare travel insurance.

Q. Am I covered for Ski Trips?

A. Yes, SCTI’s travel insurance provides comprehensive cover for ski or snow trips as part of their regular travel insurance policy.

Q. How long can I take for each trip with an annual multi-trip policy?

A. You can be covered for 90 days per trip.

Q. Why is SCTI competitively priced?

A. The cover is provided direct to you with SCTI acting as underwriter, insurer and retailer – there is no middleman.

Q. Does Southern Cross Cover Overseas Work?

A. Yes, SCTIS's working overseas policy provides cover for New Zealand citizens or residents travelling overseas for 1 month or longer and automatically covers white collar and some types of manual work. Southern Cross Travel Insurance can be purchased while you are already travelling overseas. It is worth noting that this policy does not cover professional sport, heavy manual or hazardous work.

Q. Does Southern Cross Travel Insurance cover Terrorism?

A. Southern Cross Travel Insurance will provide up to $100,000 per policy for Medical and Evacuation due to Terrorism. No benefit will be paid for other losses that are a result of terrorism.

Q. Is cover available for international students?

A. Yes SCTI International Student travel insurance has been especially designed to provide cover for international students visiting New Zealand. This cover is available to visiting students with a current New Zealand visa.

Q. Does Southern Cross cover riding motorcycles or mopeds overseas?

A. Southern Cross does not cover riding a moped or motorcycle in the following circumstances:

(a) If the capacity of the engine is more than 200cc

(b) If the driver and/or passenger is not wearing a helmet

(c) If the driver does not have a drivers licence that is valid in the country they are travelling in

Q. Who is covered under a “family” policy?

A. An SCTI family policy will cover two adults, or two adults and any of their dependent children.

Q. Who is covered under an “individual policy?"

A. Individual applies to one person, or one adult and any of their dependent children.

Q. How do I contact Southern Cross if I need emergency assistance?

A. You can contact SCTI on 61 2 8216 0200, 24 hours a day, 7 days a week.Get a quote and apply for Southern Cross Travel Insurance securely online

Is Southern Cross Travel Insurance good?

    • An APRA and ASIC regulated general insurer, SCTI insures hundreds of thousands of travellers.
    • 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 2014 travel insurance survey. The CANSTAR ratings are awarded to companies that have ‘the right balance between price and product features’, and 2014 is the sixth year in a row SCTI has achieved this award.

Enter your trip details below to see how Southern Cross compares to other Australian insurers

Made a search before? Retrieve your search results

At least one destination is required
Both dates are required
Add more travellers
Enter the age of each traveller between 0 and 99
Enter a valid email address
At least one destination is required
Both dates are required
Add more travellers
Enter the age of each traveller between 0 and 99
Enter a valid email address

We compare these trusted insurers and more

By submitting this form, you agree to privacy policy
*Price displayed is for Single Trip NZ/South Pacific policy, with 2 days Individual cover for ages 18-54. Please note it does not include any specified items or subcharges for pre-existing medical conditions

What's next?

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

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.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

17 Responses to Southern Cross Travel Insurance Review

  1. Default Gravatar
    Walter | September 8, 2015

    Is snow skiing covered by Southern Cross

    • Staff
      Richard | September 8, 2015

      Hi Walter,

      Thanks for your question. It’ll depend on your policy but generally SCTI’s travel insurance provide comprehensive coverage for ski or snow trips.

      I hope this was helpful,

  2. Default Gravatar
    leah84 | July 16, 2015

    I am going to Thailand. I want to make sure that I will be covered if there is a natural disaster- accom transport food ect like the bali ash cloud or tsunami. Also if I go to the markets and my bag is stolen or cut open like they do. Does my money get replaced? I think those are my main concerns

    • Staff
      Richard | July 17, 2015

      Hi Leah84,

      Thanks for your question. is a comparison service and not an insurer. What you are or are not covered for will depend on the policy and the insurer.

      I hope this was helpful,

  3. Default Gravatar
    lana | July 7, 2015

    I need to know , if by taking travel insurance, i need to cancel my trip and my flights,because of someone very close in my family might get very ill(dying), before a few days need to go on the holiday!

    • Staff
      Richard | July 8, 2015

      Hi Lana,

      Thanks for your question. It depends on the insurer and the person who is ill. Insurers will generally have conditions around the age of the person who is sick and also whether it is a pre-exiting condition. Your best bet would be to contact your insurer for clarification.

      I hope this was helpful,

  4. Default Gravatar
    Ron | May 19, 2015

    Do you have a ‘medical only’ type policy for a five month trip
    to Thailand

    • Staff
      Richard | May 19, 2015

      Hi Ron,

      Thanks for your question. is a comparison service and not an insurer. If you would like to review the medical only policies provided by insurers in our panel, please enter your travel details into the quoting engine above.

      I hope this was helpful,

  5. Default Gravatar
    Steph | December 17, 2014

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

  6. 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,

  7. 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,

  8. 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.”


  9. 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.

Ask a question