Southern Cross Travel Insurance

Southern Cross Travel Insurance (SCTI) offers cover to travellers from Australia and New Zealand. Their comprehensive policies include cover for your essentials while also cruising and rental car excess insurance at no extra cost.

Compare your travel insurance quotes

A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information.
We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.

We compare products from

• Who is the underwriter?

  Southern Cross Travel Insurance is the underwriter.

Summary of Southern Cross's TravelCare policy

Overseas Medical and Hospital Expenses	Unlimited
Cancellation and Amendment Fees	As chosen
Luggage and Personal Effects	$25,000
Maximum Age Limit	100

^{Table updated February 2020}

What policies are available with Southern Cross Travel Insurance?



Single Trip

Comprehensive cover for international travel for up to 12 months. Includes cruise cover and rental car excess cover

Show more



Annual Multi-Trip

Designed for those who travel a few times within 12 months, looking for comprehensive cover. You can choose a maximum trip duration of 30, 60 or 90 days

Show more

Further to this, if you're travelling as a family your kids who are under 21 years old 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
	Go to Site	Go to Site

• Some of Southern Cross Travel Insurance benefits explained

  Here are some of the benefits you may be able to claim for if something unexpected happens while you travel:

  Medical

  • Medical expenses and evacuation. So that you can claim your money back for unexpected medical expenses during your journey and be brought back to Australia if needed. You can also get emergency dental treatment.
  • Cash allowance. To help you cover necessary costs while you're in hospital. You can also get extra travel and accommodation costs incurred if you are medically unable to travel.
  • Visitor's travel, accommodation and meal costs. If you are hospitalised for at least 10 days while travelling alone, your relative or partner can be covered to take care of you.
  • Funeral expenses. Or the return of an insured person's remains back to Australia.

  Cancellations or changes to your journey

  • Cancellation and alternate plans cover. For additional costs or unused pre-paid costs if you need to change the dates or cancel your plans before leaving Australia.

  • Cover towards additional costs. This is for unexpected delays in your journey of at least 12 hours, for instance, if you can't fly due to an illness and you require an extra nights accommodation and new flights.
  • Cover towards disruptions. This is for journey disruptions lasting 12 hours or more, for instance, if you miss a connecting flight and need to book a new fare.
  • Emergency cover. This can get you back to Australia if there's been an unforeseen incident back home, for example, a family member has been admitted to hospital.
  • Special events cover. When an event you're travelling for, such as a wedding or 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. SCTI can also cover you for the cost of lost, stolen or damaged bank cards, travel documents or passports.
  • Baggage delay. If an airline misplaces your baggage for 12 hours or more, you can claim the cost of buying essential items of clothing and personal effects until your bags catch up with you.

  Personal accident, Personal liability & Rental vehicle excess

  • Personal accident. Cover for loss of income if you're unable to work after returning home due to an injury sustained on your journey. You can also get total permanent disablement and loss of life cover.
  • Personal liability. If you injure or damage someone else's property, you can get cover for compensation you may owe.
  • Rental vehicle excess. If your car hire is stolen or damaged, SCTI can cover you for the non-refundable excess payable to the rental company, up to the relevant limits.

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:

^{*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 Travel Insurance for cruising

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

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.

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 more cover for cruising

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:

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

How to claim and contact SCTI

Southern Cross Travel Insurance FAQs

• Will SCTI cover me for trips in Australia?

  Unfortunately, SCTI don't offer domestic policies. If you're travelling domestically, see other brands that could give you cover here.

• Are kids free on this policy?

  Southern Cross travel insurance covers kids for free but they must be 'dependent children'. This means, they need to be under 21 years old at the start date of your policy, they need to be unmarried, financially dependent on you and not be employed full time. Children include your direct kids, can be stepchildren, foster children, grandchildren and even nieces and nephews.

• Can I extend my Southern Cross Travel Insurance policy when I'm overseas?

  Yes. If you have a Single Trip policy. If you're overseas and you want to extend your journey, you can request an extension of your policy by emailing the insurer at info@scti.com.au. Keep in mind that the maximum duration for one trip, including any extensions agreed to by SCTI, is 12 months.

• I have a pre-existing medical condition – is it covered by Southern Cross Travel Insurance?

  SCTI's product disclosure statement does not list automatically included pre-existing conditions. It's best to declare everything at the time of policy purchase and fill out a medical assessment so SCTI is across your medical conditions.

  If your condition isn't automatically included, SCTI can use the medical assessment to consider your cover and any applicable premium costs.

• Is there a cooling-off period?

  Yes. A 14-day cooling-off period applies.

• Am I covered if my tour company goes broke?

  No. Southern Cross Travel Insurance doesn't provide any cover for financial insolvency.

• What's the maximum trip duration I can cover with a single-trip policy?

  The maximum duration is 12 months.

• How many people can I cover under my policy?

  You can buy cover online for up to 11 travellers.

• Does Southern Cross Travel Insurance provide cover for people who aren't Australian residents?

  You can apply for cover if you're on a visa or permit that allows you access to public healthcare (Medicare) until after the end date of your insurance policy.

Read more…

• 

  Bali Travel Insurance

• 

  Ski Travel Insurance

• 

  New Zealand Travel Insurance

Picture: GettyImages
Icons made by Smashicons from www.flaticon.com is licensed by CC 3.0 BY