SCTI vs TID vs 1Cover

How Do Southern Cross Travel Insurance, Travel Insurance Direct and 1Cover Compare?

Going through a policy document is time consuming and if you are wanting to look at more than one provider, you are going to have to dedicate a good amount of time to scouring all those documents. Or not. This time, we've done the leg work, so you don't have to. Below is how these three titans of the Australian travel insurance industry stack up side-by-side. Want to compare more than just these three insurers? Compare travel cover providers by filling out the quote form at the end of this article. Or continue reading our Travel Insurance Direct, 1Cover and Southern Cross Travel Insurance comparison.

How do the policies stack up side-by-side?

Comparing travel insurance policies is daunting. With so many conditions and exclusions, it's enough to make your head spin. One quick and easy way to compare policies is to look at the benefits table of competing policies side-by-side. Below, you will find a comparison of three of Australia's major travel insurers: Travel Insurance Direct (TID), 1Cover and Southern Cross Travel Insurance (SCTI).

BenefitInternational & AnnualDomestic
SingleFamilySingleFamilyExcess
Accidental Death$25,000$50,000$10,000$20,000Nil
Additional Expenses/Medical EvacuationUnlimitedUnlimited$10,000$20,000$100
Cancellation CostsUnlimitedUnlimited$10,000$20,000$100
Loss of Income$10,000$20,000$100
Luggage and Personal Effects$12,000$24,000$4,000$8,000$100
Medical Expenses Incurred OverseasUnlimitedUnlimited$100
Out of Pocket Expenses$6,000$12,000Nil
Personal Liability$2,500,000$2,500,000$1,000,000$1,000,000$100
Rental Vehicle Insurance Excess$4,000$4,000$4,000$4,000Nil
Resumption of Trip$3,000$6,000Nil
Return Airfare$6,000$12,000Nil
Special Events$2,000$4,000Nil
Total Permanent Disability$12,500$25,000Nil
Travel Delay$2,000$4,000Nil
Withdrawal of Services$500$500Nil

Find out more about TID

BenefitInternational and AnnualExcessDomestic
BasicComprehensiveComprehensive
SingleFamilySingleFamilySingleFamily
ANCILLARY
Domestic Pets$500$500
Domestic Services$500$500
Personal Liability$5 million$5 million$5 million$5 million$100$5 million$5 million
Rental Vehicle Excess$5,000$5,000$100$5,000$5,000
CANCELLATION
Alternative Transport Expenses$5,000$10,000
Cancellation Fees & Lost Deposits $5,000 $10,000UnlimitedUnlimited$100UnlimitedUnlimited
Disruption of Journey$1,000$2,000$1,000$2,000
LUGGAGE
Credit Card Fraud & Replacement$5,000$10,000$100
Includes Travel Documents & Traveller's Cheques
Luggage & Personal Effects$15,000$30,000$100$15,000$30,000
Luggage & Personal Effects Delay Expenses $5,000 $5,000$250$500
Theft of Cash$250$250$100
MEDICAL
Accidental Death$25,000$50,000$25,000$50,000
Additional Accommodation & Travel Expenses
Hospital Cash Allowance$5,000$10,000
Includes Dental Expenses (per person)$500$500$1,000$1,000$100
Includes Emergency Companion Cover
Includes Family Emergency$50,000$100,000$50,000$100,000
Loss of Income$10,400$20,800
Overseas Emergency Medical & Hospital ExpensesUnlimitedUnlimitedUnlimitedUnlimited$100
Overseas Emergency Medical AssistanceUnlimitedUnlimitedUnlimitedUnlimited
Permanent Disability$25,000$50,000
Resumption of Journey$3,000$6,000

Find out more about 1Cover

BenefitInternational and AnnualExcess
SingleFamily
Baggage & Personal Items$25,000$50,000$100
Cash & Travel Documents$1,000$2,000$100
Changes to Your Journey$50,000$100,000$100
Medical & EvacuationUnlimitedUnlimited
Personal Accident$25,000$50,000
Personal Liability$1,000,000$1,000,000
Rental Vehicle Excess$5,000$5,000

Find out more about SCTI

This should give you a general idea of what is covered by each provider and the benefit amount. However, many of these conditions have sub-limits. Once you have found the policy you're interested in, it is always a good idea to check the sub-limits to make sure the cover is adequate.

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Okay, who covers what?

You asked. We listened. And answered. Below is a table that lists common questions you have about cover, which provider offers that service and how they compare.

CoverTID1CoverSCTI
Do they cover cruise travel?
Do they cover ski related losses?
Who are they underwritten by?
  • Certain underwriters at Lloyd's
  • Certain underwriters at Lloyd's
  • Southern Cross Benefits Ltd
What is the cooling off period? 
  • 14 days
  • 14 days
  • 14 days
Is there a group travel option available? 
  • For groups of more the 10 people
  • For groups of a maximum 25 people
  • For groups of a maximum 11 people
Are dependents covered at no extra cost?
  • Yes, children under 21*
  • Yes, children under 21*
  • Yes, children under 17*
Is there an excess eliminator? 
How long can single trips be on an annual policy?
  • International and domestic trip max 38 days
  • Business trips for a max 90 days
  • 90 days
  • 90 days
What is the maximum age of people cover? 
  • Single 81
  • Annual 76
  • Single last birthday no limit
  • Annual last birthday 59
  • There is no age limit to purchase the TravelCare policy

*named on the Certificate of Insurance

Find out more about the importance of comparing travel insurance policies

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What's the difference?

Well, that all depends on who you are, where you're going and a whole bunch of other factors. However, below is an example of how these policies stack up side-by-side. For this example, the traveller is 30 years old and heading to the USA for two weeks on a single trip policy.

Cover1CoverSCTITID
Baggage & Personal Items$15,000$25,000$12,000
Travel Documents$5,000$1,000$2,000
Cancellation and trip interruptionUnlimited$50,000Unlimited
Medical & EvacuationUnlimitedUnlimitedUnlimited
Personal Accident$25,000$25,000$25,000
Personal Liability$5,000,000$1,000,000$2,500,000
Rental Vehicle Excess$5,000$5,000$4,000
Apply?Get quoteGet quote

While 1Cover provides the best* value for money in this instance, this may not always be the case. Which is why it's important to compare policies yourself, using your specifics needs.

Find out how these insurers compare on price with the rest of our providers

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Who is more popular* with our users?

While popularity isn't everything, sometimes it is an good indication of consistency or reliability. The table below displays from top to bottom how popular SCTI, 1Cover and TIC are with our users. Their popularity is based on the amount of people who took out cover through our quoting engine and is not an indication of the level of cover provided, nor is it a recommendation.

Brands Product Product Details Apply
1Cover Comprehensive Single Trip

Unlimited overseas medical expenses

$50,000 disruption of journey

Unlimited cancellation fees and lost deposits

$15,000 luggage and personal effects cover

Get quoteMore info
Travel Insurance Direct The Works

Unlimited overseas medical expenses

Unlimited overseas emergency medical assistance

Unlimited cancellation fees and lost deposits

$12,000 luggage and personal effects

Get quoteMore info

*Data based 13,000+ quote enquiries made through finder.com.au from July 2014 to January 2015

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Can I get cover if I want to work overseas?

Yes! All three insurers can provide you with cover if you're planning on working overseas. However, not all work is covered. Below is a general outline of what is covered.

1 cover

As long the work is it not labour related work and there is no safety or heavy equipment involved, 1Cover will provide you with cover.

Southern Cross Travel Insurance

While the TravelCare policy is generally designed for those who are travelling for pleasure you can get cover for work overseas, this includes cover for:

  • business meetings
  • business training courses
  • conferences
  • trade fairs.

All this is covered on the proviso that you do not engage in any manual work or manual activities.

Travel Insurance Direct

TID provide cover for those who are setting off overseas to broaden their work experience. In fact, if you're planning on working overseas, Travel Insurance Direct offer one of the more comprehensive policies on the market. Work covered includes:

  • administration
  • clerical
  • gym instructor
  • retail
  • teaching
  • working on a cruise ship
  • yoga teacher

This is not a complete list of the occupations covered by TID. Travel Insurance Direct also provide cover for riskier jobs (although you will need to provide additional information) including:

  • manual work
  • working with animals
  • working as a SCUBA, snowboard or ski instructor.

Compare policies from Australian travel insurers

Now you've seen how these three insurers stack up against each, why not compare our whole panel of providers? Fill out the travel form below and find cover that is right for you.

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*The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing travel insurance policies.

Richard Laycock

Richard is the senior insurance writer at finder.com.au and is on a mission to make insurance easier to understand.

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