Review the cover available and find out why SCTI is so popular in Australia and New Zealand.
Since entering the insurance market in 1982, Southern Cross Travel Insurance (SCTI) has become a well-known insurer for Australians and New Zealanders, with travel insurance options including unlimited medical and evacuation cover, worldwide emergency assistance and free cover for dependent children.
This review details the cover provided under different plans from Southern Cross Travel Insurance.
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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.
|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|
|Rental Vehicle Excess||$5,000||$5,000||$5,000||$5,000|
How does SCTI compare to other providers?
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.
- 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.
- 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 insurance up to $1 million if you become legally liability 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.
Different cover options to suit your travel needs
SCTI offers two policy types, both of which are available as single and family cover.
- Single policy. A single journey policy to cover a single journey overseas
- Annual policy. A annual frequent traveller policy to cover an unlimited number of journeys over a 12 month period. An individual journey cannot be longer than 90 days under this policy type.
This means solo travellers, couples and families alike, whether they're occasional or frequent travellers, can look for cover to match their situation. To help ensure you have cover for your destination, SCTI has three different regions to choose from:
- New Zealand and South Pacific
- Limited World – Excluding USA and Canada
- World – Including USA and 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
|Does SCTI cover cruise travel?|
Yes - Cruise travel insurance is automatically included
|Does SCTI offer snowsports cover?||Yes - Ski cover is automatically included|
|Who is it underwritten by?||Southern Cross Benefits Ltd|
|What is the cooling off period?||14 days|
|Are dependents covered at no extra cost?||Yes, children under 17 can be covered for free|
|Is there an excess eliminator?||No|
|How long can single trips be on an annual policy?||90 days|
|What is the Southern Cross Travel Insurance age limit?||There is no maximum age limit to purchase the TravelCare policy|
|Baggage & Personal Items||$25,000|
|Cancellation and trip interruption||$50,000|
|Medical & Evacuation||Unlimited|
|Rental Vehicle Excess||$5,000|
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.Back to top
SCTI offers comprehensive cover to help make sure you won't be unexpectedly caught short by basic cover.
It automatically includes snowsports cover, cruise cover and cover for a wide range of sports and activities, instead of making you take them as an option and has no age limits on its policies, unlike other insurers.
- 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
With Southern Cross you can get access to a global network of emergency medical resources, 24 hours a day, seven days a week. This 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 means you can travel with more peace of mind, knowing that help is available and that you can get the right medical care if something happens.
I want to extend my policy, can I?
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, is that possible?
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.Back to top
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.
|Condition Category||Definition||What you need to do|
|Automatically covered||Condition is recognised as controlled and is automatically covered by Southern Cross Travel Insurance||You must tell SCTI if the injury or illness occurs after the start date of your policy but before the commencement of your journey|
|Can be covered||The condition is covered once you have completed the medical assessment process, SCTI has received any additional premium payments and has emailed you to confirm your cover.||You must notify SCTI if there is a change to your condition after the start date of your insurance but before the commencement of your journey|
|Not Covered||SCTI has reviewed the medical assessment and declined to cover the condition, or you didn't complete the medical assessment||Condition will remain uncovered for the period of insurance|
"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.
If you require hospitalisation, surgery or if someone has died, call SC Emergency Assistance for help on +612 9191 1180 as soon as you are able. For other situations, you can make claims online.
You will need to submit your claim using the SCTI online claiming system. The main Southern Cross Travel Insurance policyholder must enter their personal details including:
- Policy number
- Date of birth
- Last name
- Email address.
Once these details have been submitted, you will be forwarded onto your policy. To submit a claim, you must have access to an Australian bank account number.
What section do I enter my claim under? You will need to determine the type of claim you are lodging. Options include:
- Medical & Evacuation. If you are claiming for an overseas medical expenses.
- Changes to Your Journey. If you are claiming for missed flights or cancelled accommodation and tour/s.
- Medical & Evacuation. If you are claiming for additional accommodation, travel, communication or meal costs incurred overseas as the result of an illness or injury.
Where do I send my receipts and documents for my claim? Once you have submitted your claim online, SCTI will send you a confirmation email with your claim number. The email will also contain an attachment with a header sheet. You will need to print out, sign and send the header sheet to SCTI, along with original copies of any supporting documentation. Post all original supporting documents (along with your claim number) to:
Southern Cross Travel Insurance
PO Box 5176
Q. Can I extend my Southern Cross Travel Insurance 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 firstname.lastname@example.org.
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 Southern Cross Travel Insurance policy?
- A. 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 Southern Cross Travel Insurance policy?
- A. 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 SSouthern Cross Travel Insurance 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. Does Southern Cross Cover Overseas Work?
- A. No, SCTI policies are designed for people who are travelling for leisure. Work, including volunteer work undertaken overseas during your trip, are excluded from the TravelCare policy. Work cover is only provided if you're attending a conference, trade fair, business training course or meeting, or are working in an office (no manual activities or manual work are allowed).
Q. Does Southern Cross Travel Insurance cover Terrorism?
- A. Southern Cross Travel Insurance will provide up to $100,000 per policy for Medical and Evacuation due to Terrorism. No benefit will be paid for other losses that are a result of terrorism.
Q. Is cover available for international students?
- A. Yes SCTI International Student travel insurance has been especially designed to provide cover for international students visiting New Zealand. This cover is available to visiting students with a current New Zealand visa.
Q. Does Southern Cross cover riding motorcycles or mopeds overseas?
- A. Southern Cross does not cover riding a moped or motorcycle in the following circumstances:
(a) If the capacity of the engine is more than 200cc
(b) If the driver and/or passenger is not wearing a helmet
(c) If the driver does not have a drivers licence that is valid in the country they are travelling in
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. How do I contact Southern Cross if I need emergency assistance?
- A. You can contact SCTI on +61 2 9191 1180, 24 hours a day, 7 days a week.
- 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.
- SCTI won the CANSTAR International Travel Insurance star rating award for Outstanding Value for the 2014 travel insurance survey. The CANSTAR ratings are awarded to companies that have ‘the right balance between price and product features’, and 2014 is the sixth year in a row SCTI has achieved this award.