Southern Cross Travel Insurance

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

If you’re looking for travel insurance cover for your next overseas trip, Southern Cross Travel Insurance is worth a closer look. 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.

Southern Cross Travel Insurance is currently updating its policies and not available via finder during this time. You can visit their website at and view SCTI's latest PDS for more information or compare alternative options available below.

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What policies can I choose from?

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

  • Single Trip. Covering individual return trips up to 12 months in duration, the TravelCare Single Trip policy provides 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 Multi-Trip. Designed for travellers who take two or more overseas trips per year, the TravelCare Annual Multi-Trip policy provides cover for an unlimited number of return trips you take during a 12-month period. With all the same benefits as the Single Trip policy, this option covers individual return trips up to a maximum duration of 30, 60 or 90 days depending on which option you choose.

    What am I actually covered for?

    The following are some of the included highlights in Southern Cross Travel Insurance policies. For more details, to see all inclusions and exclusions and where conditions apply, refer to the PDS.


    • 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.

    Cancellations or changes to your journey (before you leave)

    • Cancellation and alternate plans cover for additional costs incurred or unused pre-paid costs if you need to change the dates or cancel your plans before leaving Australia, for example due to an unexpected illness.

    Cancellations or changes to your journey (after you leave)

    • Cover towards additional costs due to unexpected delays in your journey of at least 12 hours (i.e. you cannot fly due to an illness and you require an extra night's accommodation and new flights).
    • Cover towards disruptions in your journey lasting 12 hours or more (i.e. you miss a connecting flight and need to book a new fare to your final destination).
    • Emergency cover to get you back to Australia if there's been an unforeseen incident back home (i.e. a family member has been admitted to hospital).
    • Special events cover when an event you're travelling for (i.e. a wedding or a concert) has been missed due to delays or an emergency.

    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.
    • Loss of life, if you pass away unexpectedly (i.e. from an injury sustained on your trip) a payment will be made

    Personal liability

    • Personal liability insurance 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.
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    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.

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    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:

    • Automatically includes cruise cover and a range of sports/activities
    • Option to add on extra cover for skiing and snowboarding, mopeds and motorbikes and valuable items
    • Considers a range of pre-existing conditions, including heart-related illnesses and cancer
    • 24 hour worldwide emergency assistance
    • No maximum age limit on either Single Trip or Annual Multi-Trip policies

    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.

    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 Single Trip policy but some conditions apply:

    • You'll need to extend your policy before the original expiry date.
    • Events that have occurred before the policy extension 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.

    You can't extend an existing Annual Multi-Trip policy, however SCTI does offer a couple of options, which are subject to approval on a case-by-case basis:

    • You may be able to get another Annual Multi-Trip policy starting immediately after the trip ends
    • You may be able to add on a single-trip policy to the end of your Annual Multi-Trip policy
    • If you are going to be away for a couple of days and just require a short extension, you can contact SCTI to apply a short extension

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

    • You can amend some features of your policy by contacting SCTI with your amendment details. An additional charge may apply and any changes must be made before your trip has started.
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    Can I get cover for a pre-existing condition?

    Southern Cross Travel Insurance's TravelCare policy doesn't automatically include pre-existing conditions, but if you declare them to SCTI you may be able to get cover for them after completing an online medical assessment.

    Depending on your condition, you may need to pay an additional premium in order to get that condition covered.

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

    You'll be automatically be covered for some unspecified items, but if you need extra cover for more expensive things like a camera or engagement ring you can get additional cover.

    The following is what's automatically included in your travel insurance policy:

    • $2,500 maximum per journey for unspecified jewellery/watches (also includes the value of a full pair or set, i.e. earrings or cuff links)
    • $3,000 per item maximum (Up to $10,000 per journey for all items) for unspecified laptops/tablets/personal computers/cameras (including related accessories, even if purchased separately such as lenses, are included in the total value)
    • $1,500 per item maximum (also includes the value of a full pair or set) including related accessories for other unspecified items per journey (i.e. designer handbags)

    If you're travelling with items that are more expensive than what's above, Southern Cross Travel Insurance provides the following extra cover for "specified items."

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

    If you'd like to add this extra cover (for an additional premium) on when booking your policy, look for this on the Extras page:

    Southern Cross Valuable Items

    What evidence will be required for specified items in a claim?

    You will need documentation proving the value of the items if you do need to make a claim. Some examples of what you can use may be:

    • 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
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    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:

    • Enter your policy number, date of birth, last name and email address
    • Provide details of the incident and the costs you are claiming
    • 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 quote engine at the top of this page and follow these directions:

    • Select Single Trip or Annual Multi-Trip cover
    • Select your destination
    • Enter your travel dates
    • Enter your age and the ages of any other travellers you want to cover
    • 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.

    Southern Cross Travel Insurance FAQs

    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 Australian Financial Complaints Authority (AFCA), the Insurance Council of Australia and a signatory to the Australian General Insurance Code of Practice.

    What's next?

    *Price displayed is for Single Trip NZ/South Pacific policy, with 2 days Individual cover for ages 18-54. Please note it does not include any specified items or surcharges for pre-existing medical conditions

    SCTI vs TID vs 1 Cover

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27 Responses

  1. Default Gravatar
    DianeSeptember 1, 2016

    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

    • Avatarfinder Customer Care
      RichardSeptember 2, 2016Staff

      Hi Diane,

      Thanks for your question. 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,

  2. Default Gravatar
    LouiseJuly 29, 2016

    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?

    • Avatarfinder Customer Care
      RichardJuly 29, 2016Staff

      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,

  3. Default Gravatar
    BruceJune 14, 2016

    What travel policies cover riding motorcycles over 250cc when correctly licenced , and define a motor vehicle includes a motorcycle

    • Avatarfinder Customer Care
      RichardJune 14, 2016Staff

      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,

  4. Default Gravatar
    MikeDecember 19, 2015

    Do any insurers / policies cover cancellation costs resulting from the financial failure of a service provider?


  5. Default Gravatar
    NoelDecember 2, 2015

    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

    • Avatarfinder Customer Care
      RichardDecember 2, 2015Staff

      Hi Noel,

      Thanks for your question. 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,

  6. Default Gravatar
    WalterSeptember 8, 2015

    Is snow skiing covered by Southern Cross

    • Avatarfinder Customer Care
      RichardSeptember 8, 2015Staff

      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,

  7. Default Gravatar
    leah84July 16, 2015

    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

    • Avatarfinder Customer Care
      RichardJuly 17, 2015Staff

      Hi Leah84,

      Thanks for your question. 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,

  8. Default Gravatar
    lanaJuly 7, 2015

    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!

    • Avatarfinder Customer Care
      RichardJuly 8, 2015Staff

      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,

  9. Default Gravatar
    RonMay 19, 2015

    Do you have a ‘medical only’ type policy for a five month trip
    to Thailand

    • Avatarfinder Customer Care
      RichardMay 19, 2015Staff

      Hi Ron,

      Thanks for your question. 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,

  10. Default Gravatar
    StephDecember 17, 2014

    Hello, what is the process is required to make a claim with your company?

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