Southern Cross Travel Insurance Review – Get Quotes and Apply Online

Find Out Why SCTI Has Become One of Australia and New Zealand's Top Travel Insurers and Receive a Quote for Cover

Sample Image

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.

Southern Cross Policy Comparison

Provider Product Product Details Apply
Southern Cross Single Journey
  • Unlimited medical and evacuation cover
  • $25,000 luggage cover
  • $5,000 rental vehicle excess cover
  • $50,000 cover for changes to travel plans
Get quoteMore info
Southern Cross Annual Frequent Traveller
  • 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
Get quoteMore info

What policies available from Southern Cross?

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 Feature Individual Single Journey Family Single Journey Single Frequent Traveller Family Frequent Traveller
Medical and Evacuation Unlimited Unlimited Unlimited Unlimited
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 Quote Get Quote Get Quote Get Quote

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

What am I 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.

  • a single journey policy provides cover for a single journey overseas
  • 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:

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

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 much excess will you pay with SCTI?

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

So, who is SCTI?

    • 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.

Back to top

More reasons to consider Southern Cross for your trip

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 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.

Back to top

Making changes to your policy

I want to extend my policy 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 You can amend your policy b contacting SCTI with your amendment details. An additional charge may apply and you cannot make amendments after your trip has started.

Back to top

Will my medical condition be covered?

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 hayfever, that are automatically covered under the policy, unless otherwise specified.

Back to top

I am travelling with some expensive are they covered?

SCTI willl provide the following cover for "unspecified items"

  • $2,500 maximum payment for Jewellery/watches
  • $3,000  maximum payment for unspecified Laptops/Personal Computers/Tablets
  • $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. 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 or;
  • Documentation showing items specified on contents insurance policy dated within 12 months that item was specified
Back to top

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

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. 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 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 the Southern Cross 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. How do I make a claim with Southern Cross?


- Claims must be submitted to SCTI as soon as is possible following the event

- You will be advised if any additional information is required

- You must provide any additional documentation that is required

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. What number do I call 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

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

*Price displayed is for Single Trip NZ/Indonesia/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

Ask a Question

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 receive follow up emails related to and to create a user account where further replies to your questions will be sent.

9 Responses to Southern Cross Travel Insurance Review – Get Quotes and Apply Online

  1. Default Gravatar
    Steph | December 17, 2014

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

  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.

Ask a question