Southern Cross Travel Insurance

Travel with peace of mind. Get comprehensive cover with Southern Cross Travel Insurance.


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Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered

    Southern Cross Travel Insurance (SCTI) offers cover to travellers from Australia and New Zealand. Its comprehensive policies include cover for international and domestic travel, as well as international cruises.

    Get a quote from Southern Cross Travel Insurance

    Data updated regularly
    Name Product Overseas Medical Expenses Cancellation and amendment fees Theft or damage to lugagge COVID-19 expenses Standard excess
    Southern Cross TravelCare Single Trip
    • Unlimited
    • Cover chosen
    • $25,000
    Southern Cross Domestic Travel Insurance
    • No
    • Unlimited
    • $15,000

    Compare up to 4 providers

    What policies are available with Southern Cross Travel Insurance?

    Southern Cross offers three travel insurance policies. These are:

    Domestic Travel Insurance

    This covers you for all the important things you generally get protected for when you travel except you don't need to get cover for medical care because thanks to Medicare, you don't need it. A domestic policy can cover you for cancelling or changing your travel plans, luggage and personal items, pet care and childcare costs if you're delayed getting home, personal accident and more.

    Overseas Single Trip

    Comprehensive cover for international travel for up to 12 months. This includes medical and evacuation, cancelling or changing your journey, baggage, rental car excess cover and more. It also provides automatic cover if you're travelling overseas on a cruise ship. This policy doesn't cover you if you're travelling on a domestic-only cruise.

    Overseas Annual Multi-Trip

    This is designed for those who travel a few times within a year who are looking for comprehensive cover. You can choose a maximum trip duration of 30, 60 or 90 days and get cover for all the same benefits as the single trip policy, except you don't need to worry about buying multiple policies throughout the year.

    Southern Cross Travel Insurance review of policy benefits

    Here are some of the main policy benefits to help you find out if SCTI can provide the right cover for you.

    Domestic travelOverseas travel - IndividualOverseas travel - Family
    Medical and evacuation
    Cancelling or changing your journey before you leaveUnlimited



    Changes to your journey once you have left$50,000$50,000$100,000
    Baggage and personal items$15,000$25,000$50,000
    Cash, bank cards, travel documents and passports
    Personal accident$25,000$25,000$50,000
    Rental vehicle excess$6,000$5,000$5,000
    Cash allowance whilst in hospital (to help cover extra costs like parking fees)$3,000$3,000$3,000
    Personal liability$2,500,000$1,000,000$1,000,000

    Domestic travel insurance also provides cover for an "accompanying person" (for example, to have a loved one travel to be with you while you're in hospital), pet services and childcare expenses.

    Optional extras with Southern Cross Travel Insurance

    For more flexibility, Southern Cross Travel Insurance gives 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 specified items cover. This is for personal items which are valued at more than $1,500. You can pay an additional premium for them to be listed on your Certificate of Insurance.
    • Going skiing or snowboarding while overseas? 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 while overseas? 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 Travel Insurance for cruising

    SCTI includes cruise cover in its overseas travel policies at no additional costs. However, just be mindful that if you fall ill while the cruise ship is in Australian waters, you'll need to seek treatment through Medicare or your private health insurance. You can make a claim under your overseas travel policy for any costs that are not covered.

    Top tips for cruise travel insurance from SCTI:

    1. 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.
    2. If you plan on engaging in water sports such as snorkelling or kayaking, double-check your product disclosure statement (PDS) to make sure you're covered for these activities. A list of excluded activities can be found on page 36 of the PDS.
    3. Buy your insurance early to cover you for cancellations prior to departure.

    What won't be covered under my policy?

    Southern Cross Travel Insurance will not generally 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 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
    • 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 intentionally or recklessly put yourself in harm's way

    Read Southern Cross Travel Insurance's PDS for a full list of situations that won't be covered.

    Southern Cross Travel Insurance frequently asked questions

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    29 Responses

      Default Gravatar
      maritzaJuly 23, 2019

      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.

        Avatarfinder Customer Care
        JoshuaJuly 24, 2019Staff

        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!


      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,

      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,

      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,

      Default Gravatar
      MikeDecember 19, 2015

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


        Avatarfinder Customer Care
        RichardDecember 21, 2015Staff

        Hi Mike,

        Thanks for you question. There are some travel insurance brands that will cover financial default. You can see a list of insurers and compare them from our guide on how to get travel insurance for insolvency.

        Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

        I hope this was helpful,

      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.

        Many providers will assess 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 will be granted cover. You can get your quotes for travel insurance that considers all pre-existing medical conditions. Read our review of the insurer or go directly to their website to get a quote.

        Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

        I hope this was helpful,

      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,

      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,

      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,

      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,

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