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.
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).
|Benefit||International & Annual||Domestic|
|Additional Expenses/Medical Evacuation||Unlimited||Unlimited||$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 Overseas||Unlimited||Unlimited||$100|
|Out of Pocket Expenses||$6,000||$12,000||Nil|
|Rental Vehicle Insurance Excess||$4,000||$4,000||$4,000||$4,000||Nil|
|Resumption of Trip||$3,000||$6,000||Nil|
|Total Permanent Disability||$12,500||$25,000||Nil|
|Withdrawal of Services||$500||$500||Nil|
|Benefit||International and Annual||Excess||Domestic|
|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|
|Alternative Transport Expenses||$5,000||$10,000|
|Cancellation Fees & Lost Deposits||$5,000||$10,000||Unlimited||Unlimited||$100||Unlimited||Unlimited|
|Disruption of Journey||$1,000||$2,000||$1,000||$2,000|
|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|
|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 Expenses||Unlimited||Unlimited||Unlimited||Unlimited||$100|
|Overseas Emergency Medical Assistance||Unlimited||Unlimited||Unlimited||Unlimited|
|Resumption of Journey||$3,000||$6,000|
|Benefit||International and Annual||Excess|
|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 & Evacuation||Unlimited||Unlimited|
|Rental Vehicle Excess||$5,000||$5,000|
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.Back to top
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.
|Do they cover cruise travel?|
|Do they cover ski related losses?|
|Who are they underwritten by?|
|What is the cooling off period?|
|Is there a group travel option available?|
|Are dependents covered at no extra cost?|
|Is there an excess eliminator?|
|How long can single trips be on an annual policy?|
|What is the maximum age of people cover?|
*named on the Certificate of InsuranceBack to top
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.
|Baggage & Personal Items||$15,000||$25,000||$12,000|
|Cancellation and trip interruption||Unlimited||$50,000||Unlimited|
|Medical & Evacuation||Unlimited||Unlimited||Unlimited|
|Rental Vehicle Excess||$5,000||$5,000||$4,000|
|Apply?||Get quote||Get 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.Back to top
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.Back to top
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.
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
- 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:
- gym instructor
- 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.
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.