Southern Cross Travel Insurance

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

With unlimited medical evacuation and emergency medical assistance available worldwide, Southern Cross Travel Insurance policies keep you safe no matter where you roam.

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

Cover FeatureIndividual Single JourneyFamily Single JourneySingle Frequent TravellerFamily Frequent Traveller
Medical and EvacuationUnlimitedUnlimitedUnlimitedUnlimited
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
Personal Accident$25,000$50,000$25,000$50,000
Personal Liability$1,000,000$1,000,000$1,000,000$1,000,000
Rental Vehicle Excess$5,000$5,000$5,000$5,000

How does SCTI compare to other providers?

Compare this policy side by side with other leading brands

What am I actually covered for?


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.
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SCTI ski cover, cruise insurance and other TravelCare features

Does SCTI cover cruise travel?

Yes - Cruise travel insurance is automatically included

Does SCTI offer snowsports cover?Yes - Ski cover is automatically included
What is the cooling off period?14 days
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

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.

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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:

  • 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:

  • If your claim arises due to a pre-existing condition that is not covered by your policy
  • If your claim arises due to travel exhaustion or a sexually transmitted infection
  • Pregnancy after the 20th week
  • If you travel against medical advice
  • If your claim is for elective or cosmetic procedures or treatment
  • If your claim arises because of the influence of alcohol or any other drug
  • If you go hitchhiking
  • 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 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.

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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.

Condition CategoryDefinitionWhat you need to do
Automatically coveredCondition is recognised as controlled and is automatically covered by Southern Cross Travel InsuranceYou 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 coveredThe 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 CoveredSCTI has reviewed the medical assessment and declined to cover the condition, or you didn't complete the medical assessmentCondition will remain uncovered for the period of insurance

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

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.

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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:

  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 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

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.

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

    • finder 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?

    • finder 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

    • finder 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

    • finder 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

    • finder 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

    • finder 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!

    • finder 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

    • finder 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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