Southern Cross Travel Insurance

Compare Southern Cross Travel Insurance policies and find out why it's so popular in Australia and New Zealand.

Geared toward the adventurer at heart, the policies automatically include cover for activities most other policies charge extra for, like ski and cruise cover. Your children are even covered for free.

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DID YOU KNOW

• You can filter your results to customise your cover!
• You can choose from Basic, Standard or Comprehensive Cover

Not long to go now …

DID YOU KNOW

• You can filter your results to customise your cover!
• You can choose from Basic, Standard or Comprehensive Cover

What policies can I choose from?

Southern Cross Travel Insurance offers its TravelCare insurance policy in two forms:

• Single Journey. Covering individual trips up to 12 months in duration, the TravelCare Single Journey policy provides unlimited cover for your overseas medical and hospital expenses, including evacuation back to Australia. It also provides a comprehensive range of additional benefits to protect against a wide range of risks, including travel interruption, loss of baggage and personal items, baggage delay, stolen cash, personal accident protection, rental vehicle excess cover and more.
• Annual Frequent Traveller. Designed for travellers who take two or more overseas trips per year, the TravelCare Frequent Traveller policy provides cover for all the trips you take during a 12-month period. With all the same benefits as the Single Journey policy, this option covers individual trips up to a maximum duration of 90 days.

How do SCTI policies compare side-by-side?

Southern Cross offers the TravelCare range of policies, available as single trip and frequent traveller cover, for individuals and families. Below is what's included under the Southern Cross Single Journey and Annual Frequent Traveller Policies. Please note that some of the cover options have sub-limits for certain events.

How does SCTI compare to other providers?

Compare this policy side by side with other leading brands

What am I actually covered for?

Medical

Subject to all terms of your policy, you are covered for:

• Medical expenses and evacuation so you can be reimbursed for unexpected medical expenses during your journey. Medical evacuation is also covered if you need to be repatriated to Australia.
• Emergency dental treatment needed for relief of acute dental pain.
• Cash allowance while in hospital to help you cover necessary expenses. At the time of writing, the company pays a daily allowance of $100, up to a maximum of $3,000.
• Extra travel and accommodation costs incurred if you are medically unable to travel.
• A visitor's travel, accommodation and meal costs if you are hospitalised for at least 10 days while travelling alone, so someone can come and stay with you.
• Funeral expenses or the return of an insured person's mortal remains to Australia.

Changes to your journey

• Cancellation and alternation cover to reimburse unrecoverable expenses if you have to cancel or alter your journey before leaving Australia, for example due to an unexpected illness.
• Travel interruption if your trip is delayed or disrupted for at least 12 hours, such as if a cancelled flight leads to your missing a connection, you can be covered for reasonable transport, accommodation and other costs incurred in returning to your journey.
• Curtailment and special events cover, when unexpected delays cause you to miss a special event, or if an unexpected event forces you to cut your journey short and return home.

Baggage, personal items, cash and travel documents

• Baggage and personal belongings cover for insured items that are lost, stolen and damaged items while travelling, including cover for lost or stolen cash.
• Baggage delay. If an airline misplaces your baggage for 12 hours or more, you can be reimbursed up to the relevant limits for the cost of buying essential items of clothing and personal effects until your bags catch up with you.
• If your essential bank cards, travel documents or passports are lost, stolen or damaged, SCTI can reimburse you for the cost of their replacement.

Personal accident

• Loss of income, if you are unable to work after returning home due to an injury sustained on your journey.
• Total permanent disablement, if an injury sustained on your journey has resulted in permanent disability

Personal liability

• Personal liability insurance up to $1 million if you become legally liable for damages, compensation or legal expenses, if your negligence has led to a third party's bodily injury or property damage.

Rental vehicle excess

• If you hire a rental vehicle overseas and it is stolen or damaged on your journey, SCTI can reimburse you for the non-refundable excess payable to the rental company up to the relevant limits.

SCTI ski cover, cruise insurance and other TravelCare features

Compare SCTI next to Travel Insurance Direct and 1Cover

How much excess will I be charged?

A $100 excess applies per event, for claims made under Changes to Your Journey, Baggage and Personal Items, and Cash and Travel Documents cover. This is how much you will need to pay towards certain claims.

This applies per event. For example, if SCTI accepts a claim for changes to your journey following a storm, and pays for your extra hotel rooms, meals and replacement flights, you will only need to pay $100 in total for all of these, if they were all the result of the same storm.

Why should I consider getting a Southern Cross travel policy?

Key Benefits

SCTI offers comprehensive cover to help make sure you won't be unexpectedly caught short by basic cover. Here are some key advantages to going with a Southern Cross policy:

• Automatic inclusion of snowsports cover, cruise cover and cover for a wide range of sports and activities
• 24 hour worldwide emergency assistance
• No maximum age limit
• Children and grandchildren travel free

What won't be covered under my policy?

Southern Cross Travel Insurance will not provide any cover in the following situations:

Read Southern Cross Travel Insurance’s product disclosure statement for a full list of situations that won’t be covered.

Am I able to make changes to my policy?

I want to extend my policy - is that possible?

Yes, 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. You will need to get in touch before the original policy expires.
• 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 may not be considered unexpected by the extended policy.
• You will need to let SCTI know reasons for the extension and where you plan to travel.

I want to amend my policy - can I do that?

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.

Can I get cover for a pre-existing condition?

Some conditions, such as acne, asthma, migraines and hay-fever, are often covered automatically, while other pre-existing medical conditions are excluded unless you have requested cover for them.

To request cover, or check whether or not any of your conditions are covered automatically, you can complete a medical assessment form while getting a Southern Cross travel insurance quote online.

SCTI will check the form and let you know whether or not it can be covered, and if it will cost more. There's no obligation for getting a quote, so you can get all the details before choosing whether or not you want to take out cover for your pre-existing condition.

If you don't want to get it covered, you can also choose to simply not complete the form.

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

"Specified items" are those which you name when taking out cover, usually because they're especially valuable. "Unspecified items" are those which you have not mentioned specifically.

SCTI provide the following cover for "unspecified items." These will be valued at the original purchase, less appropriate depreciation.

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

Southern Cross Travel Insurance provides the following cover for "specified items." These may valued at the lesser of either the value you provide, or the amount that SCTI has independently valued them at.

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

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.

How do I contact SCTI?

If you need emergency assistance while overseas, you can contact the insurer’s emergency assistance hotline on +61 2 9191 1180. This line is available 24 hours a day, 7 days a week.

You can also get in touch with Southern Cross using the following methods:

• Phone 1800 196 484 from 8:30am to 5pm Monday to Friday AEST
• Email info@scti.com.au

How can I save on my policy?

Looking for a simple way to reduce your Southern Cross Travel Insurance premium? Check out our selection of the latest Southern Cross Travel Insurance promo codes. These codes offer a range of deals and special offers, helping you save money on the cost of cover and get more out of your travel insurance policy.

How do I make a claim with Southern Cross?

You can lodge a claim at any time through the Southern Cross Travel Insurance online claims portal. All you need to do is follow a few simple steps:

1. Enter your policy number, date of birth, last name and email address
2. Provide details of the incident and the costs you are claiming
3. Post supporting documents for your claim to Southern Cross Travel Insurance

You’ll need to submit your claim as soon as possible after the event giving rise to the claim to ensure that it is processed as quickly as possible.

How to get a quote

If you’d like to get a Southern Cross Travel Insurance quote for your next trip, use the finder.com.au quote engine at the top of this page and follow these directions:

1. Select Single Trip or Annual Multi-Trip cover
2. Select your destination
3. Enter your travel dates
4. Enter your age and the ages of any other travellers you want to cover
5. Click “Get quote now”

You’ll then be presented with a quote from Southern Cross Travel Insurance based on your trip details. You can review the cost of cover and the benefits included in the policy and, if you're happy with it, you can click the green “Go to site” button to be securely redirected to the Southern Cross Travel Insurance website to apply. You won't need to enter your details again, and the price is the same as going direct!

Southern Cross Travel Insurance FAQs

• Who is the underwriter?

  Southern Cross Travel Insurance is the underwriter.

• Can I extend my Southern Cross Travel Insurance policy when I'm overseas?

  Yes. If you’re overseas and you want to extend your journey, you can request an extension of your policy by emailing the insurer at info@scti.com.au.

• Can I change my policy after I have applied for it?

  Yes. It’s possible to make adjustments to your policy provided you have not yet departed Australia. An additional charge may apply.

• I have a pre-existing medical condition – is it covered by Southern Cross Travel Insurance?

  Some pre-existing conditions are automatically covered. If your condition isn’t automatically included, you can apply for cover by completing an online medical assessment during the policy application process. For more information on which conditions are covered, read the product disclosure statement.

• Is there a cooling-off period?

  Yes. A 14-day cooling-off period applies.

• Am I covered if my tour company goes broke?

  No. Southern Cross Travel Insurance doesn’t provide any cover for financial insolvency.

• Am I covered for cruise trips?

  Yes. Worldwide cruises are automatically covered by Southern Cross Travel Insurance’s TravelCare policy.

• Am I covered for ski trips?

  Yes. Skiing and snowboarding are automatically covered by Southern Cross Travel Insurance’s TravelCare policy.

• What is the maximum individual trip duration that can be covered with a Southern Cross Travel Insurance annual multi-trip policy?

  You can get cover for trips of up to 90 days.

• What’s the maximum trip duration I can cover with a single-trip policy?

  The maximum duration is 12 months.

• Does Southern Cross Travel Insurance offer rental vehicle excess cover?

  Yes, cover of up to $5,000 is available when you hire a car.

• How many people can I cover under my policy?

  You can buy cover online for up to 11 travellers.

• Will Southern Cross Travel Insurance cover my kids for free?

  Yes. Dependent children and grandchildren are covered for free, provided they are less than 18 years old and not employed full-time.

• Who is covered under a “family” policy?

  A Southern Cross Travel Insurance family policy will cover two adults or two adults and any of their dependent children.

• Who is covered under an “individual” policy?

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

• Can I vary or cancel my excess?

  No. A $100 excess applies to all claims.

• Does Southern Cross Travel Insurance provide cover for people who aren’t Australian residents?

  Yes. However, you’ll need to be on a working visa that allows you to live and work in Australia for at least two years to qualify for cover.

• Am I covered if I want to ride a motorcycle or moped while overseas?

  Yes. However, the engine capacity must not exceed 200cc and you must wear a helmet. You must also have a valid licence in the country you are in.

Is Southern Cross Travel Insurance any 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.