Founded in New Zealand in 1982, this travel insurance specialist provides cover to travellers from Australia and New Zealand, with travel insurance options including medical and evacuation cover, worldwide emergency assistance and automatically included cruise.
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What policies can I choose from with Southern Cross
Further to this, if you're travelling as a family, benefit limits are doubled and your kids may be eligible for free cover.
Southern Cross travel insurance review of policy benefits
Review the policy benefits so you can see if SCTI can provide the right cover for you.
| Benefit | Cover for Individuals | Cover for Families |
|---|---|---|
| Medical and evacuation | Unlimited | Unlimited |
| Cancelling/changing your trip before you leave | $2,500 | $5,000 |
| Changes after you have departed | $50,000 | $100,000 |
| Baggage and personal items | $25,000 | $50,000 |
| Travel documents and passports | $1,000 | $2,000 |
| Personal accident | $25,000 | $50,000 |
| Personal liability | $1,000,000 | $1,000,000 |
| Rental vehicle excess | $5,000 | $5,000 |
How much excess will I be charged?
SCTI's policies default to a $100 excess, however you can choose to pay slightly more for $0 excess or slightly less for $250 excess.
For example, we did a test quote for a seven-night trip to New Zealand for a 30 year old traveller to see what the difference would be. Here's what we found:
| Excess | $0 | $100 | $250 |
|---|---|---|---|
| Quote | $45.36 | $42.00 | $37.80 |
*Quote retrieved on 15 June 2019 for a trip from 16-22 June 2019.
The excess charge only applies once per unexpected event.
Excesses aren't deducted for claims applying to funerals and return of remains, personal accidents, personal liability and rental vehicles.
Optional extras with SCTI
For more flexibility, Southern Cross Travel Insurance give you the option to add extra cover onto your policy. This can be done after you select your level of cover.
- Taking any valuables? Under the Baggage and Personal Items benefit, you will have sub-limits for items such as jewellery and electronics (including cameras). If the value of the item that you're taking on your trip exceeds these amounts, you might want to get extra cover.
- Going skiing or snowboarding? Get additional cover to be protected for gear damage or the medical expenses incurred if you injure yourself on the slopes. You'll need to wear a helmet or you might void your policy.
- Riding a moped or motorbike? Get additional cover to protect yourself and your bike in case the unexpected happens. SCTI will only cover incidents involving bikes under 200cc.
Southern Cross cruise travel insurance
SCTI includes cruise cover in their policies at no additional costs, however just be mindful that this it is cover for medical expenses and evacuation only.
Top tips for cruise travel insurance from SCTI
- Make sure you declare all the countries that you will visit on the cruise, along with all the other countries you might visit while on land.
- If you plan on engaging in water sports such as snorkeling or kayaking, double check your PDS to make sure you're covered for these activities. A list of excluded activities can be found on page 36 of the PDS.
- Buy your insurance early to cover you for cancellations prior to departure.
We can also help you look for more specific cruise travel insurance if you need cover for things such as missed shore excursion and port connections.
Compare Cruise Travel Insurance
What won't be covered under my policy?
Southern Cross Travel Insurance will not provide any cover (except funeral/return of remains expenses) in the following situations:
- If your claim arises due to a pre-existing condition that is not covered by your policy
- If your claim arises due to a sexually transmitted infection (excluding covered conditions relating to HIV)
- Pregnancy after the 20th week
- If you travel against medical advice
- If your claim relates to most elective or cosmetic procedures
- If your claim arises because of being under the influence of alcohol, solvents or any other illegal drug
- If you go hitchhiking or give a hitchhiker a lif
- If you engage in any unlawful activity
- If your claim is for loss of enjoyment
- If you participate in any professional or contact sport, motorsport, hunting, abseiling or paragliding
- If you work while overseas (except to attend a conference, trade fair, training course, business meeting or complete office-based work)
- If you travel to a country for which the Department of Foreign Affairs and Trade has issued a "Do not travel" or "Reconsider your need to travel" advisory
- If you intentionally or recklessly put yourself in harm's way
Read Southern Cross Travel Insurance's product disclosure statement for a full list of situations that won't be covered.
How to claim and contact SCTI
Claims and contact details
Emergency contact details: +61 2 9191 1180
Making a claim online: Start your claim process online and received a claim number; https://www.scti.com.au/claims/make-a-claim/
General phone enquiries: 1800 196 484
General email enquiries: info@scti.com.au
Southern Cross Travel Insurance FAQs
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What should I be looking carefully at for mum’s travel insurance?
She is 82yrs old, we are going to Europe.
My main concern is if she falls and breaks a bone will any insurance cover her for that, even though she has osteoporosis?
Thank you very much.
Hi Maritza,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
The answer to your question would depend on your policy’s level of cover, Maritza. It is worth noting that there’s a chance that your chosen travel insurance company would charge more for policies or change the coverage limits for older travellers such as your mum.
Osteoporosis is most likely considered as a pre-existing condition. However, this doesn’t mean that you can’t get travel insurance for your mum. You simply need to disclose it upon booking your travel insurance.
To find a list of travel insurance for seniors, please go here. There’s a form on that page that you can use to get a quote.
To find a list of travel insurance for pre-existing conditions, please go here. There’s a table on that page that helps you compare your options based on details.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
Trying to find out looking for travel insurance for two weeks I am waiting for knee replacement surgery am I covered for this if I have a problem with them not expecting anything as it is controls by meds till have it done only take meds when required am aged 62
Hi Diane,
Thanks for your question. finder.com.au is comparison service and not an insurer. Cover for pre-existing conditions vary from insurer to insurer and from case to case. You should contact the travel insurance brand you’re interested in to discuss your options.
All the best,
Richard
My husband and I took out Southern Cross Travel insurance. We were to fly to Istanbul on 29 June 2016. On 28 June there was a terrorist attack at the airport at Istanbul.
We were advised at the airport not to continue with our travel plans so spent approx $5000 and bought new flight tickets home. Can we make a claim with our travel insurance policy?
Hi Louise,
Thanks for your question. It will depend on when you bought your policy. You’ll need to contact SCTI directly for claims, which you can do by calling 1800 196 484 or by heading to their claims page.
I hope this was helpful,
Richard
What travel policies cover riding motorcycles over 250cc when correctly licenced , and define a motor vehicle includes a motorcycle
Hi Bruce,
Thanks for your question. The highest listed engine capacity listed by the travel insurance brands in our panel is 250cc. For more information you may find our travel insurance for motorcycles page useful.
I hope this was helpful,
Richard
Do any insurers / policies cover cancellation costs resulting from the financial failure of a service provider?
Thanks
Hi Mike,
Thanks for you question. There are some travel insurance brands that will cover financial default. Please consult our travel insurance for insolvency page for more information.
I hope this was helpful,
Richard
I had a heart attack some 14 years ago,valve replacement stents and by pass 8 years later can you suggest a suitable policy for a 14day trip to miami
Hi Noel,
Thanks for your question. finder.com.au is a comparison service and we are not permitted to may product recommendations. However, many providers will access your pre-existing condition at the time of application. As these providers offer cover on a case-by-case basis there is no guarantee you’ll be granted cover. Insurers that do offer cover for pre-existing conditions include InsureandGo (who claim to consider all conditions) and CoverMore (who assess medical conditions prior to travel issuing travel insurance).
I hope this was helpful,
Richard
Is snow skiing covered by Southern Cross
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,
Richard
I am going to Thailand. I want to make sure that I will be covered if there is a natural disaster- accom transport food etc 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
Hi Leah84,
Thanks for your question. finder.com.au 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,
Richard
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!
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,
Richard
Do you have a ‘medical only’ type policy for a five month trip
to Thailand
Hi Ron,
Thanks for your question. finder.com.au 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,
Richard