Southern Cross offers generous $25000 luggage cover and a high age limit of 118 years.
Customers rate Southern Cross highly with 4.44/5 for satisfaction and 4.75/5 for trust.
COVID-19 cover often requires full vaccination and has further restrictions.
Pros
Comprehensive cover gives you automatic access to TravelCare Delay Assist, a built-in beneift for delayed flights, offering eligible customers a $40 AUD digital voucher per covered person.
SCTI's cover limit of $25,000 for theft or damage to your luggage and personal items is one of the highest we've seen.
SCTI has an age limit of 118 (a welcome option for senior travellers).
Cons
Its personal liability cover of up to $1,000,000 could meet the needs of most, but competitors such as Fast Cover and Medibank offer 5 times as much.
In total, Southern Cross offers 5 travel insurance policies. These are: Domestic, International Medical Only, International Comprehensive (Single Trip),International Comprehensive (Annual Multi-trip) and Working overseas. Here are some of the main insured events a policy can cover you for:
Domestic
International Medical Only
International Comprehensive Single Trip
International Comprehensive Annual Multi-trip
Working Overseas
The insurance is issued by Southern Cross Benefits Limited, trading as Southern Cross Travel Insurance.
The cooling-off period is 14 days which means you can change your policy or cancel within this period, and Southern Cross will refund your premium in full. The excess is the amount you usually need to pay when you make a claim, but with Southern Cross, you can choose to remove your excess for a higher premium.
Here's a breakdown of Southern Cross Travel Insurance features
Here are some of the main policy benefits to help you find out if Southern Cross Travel Insurance can provide the right cover for you.
Baggage and personal items
Cancelling or changing your journey before you leave
Cash, bank cards, travel documents and passports
Changes to your journey once you have left
Delayed journey to a special event
Emergency dental treatment
Medical and evacuation
Personal accident
Personal liability
Rental vehicle excess
Optional add-on
For more flexibility, Southern Cross Travel Insurance gives you the option to add extra cover to your policy. This can be done after you select your level of cover.
Taking any valuables? If the value of any items you're taking exceeds the limits of your policy, you can opt for specified items 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.
Taking a cruise? If you're taking a cruise, select additional cover to protect yourself. You'll need to make sure you've included all the destinations your cruise is visiting on 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.
Exclusions
Like all insurers, there are a few situations you won't be covered for under your travel insurance policy. Southern Cross Travel Insurance will not generally provide any cover in the following situations:
Make sure you read Southern Cross Travel Insurance's PDS for a full list of situations that won't be covered.
How to make a Southern Cross Travel Insurance claim
Making a claim with Southern Cross Travel Insurance is easy and the whole process can be done online. Remember to keep any supporting documents such as receipts, medical notes or police reports to help your claim go through smoothly.
Head to https://www.scti.com.au/claims/make-a-claim
Enter your policy number, email, full name and date of birth to log in
Complete your claim details by answering all sections
Upload any supporting documents relevant to your claim
Submit, then your claim should be processed within 10 business days
Here's the bottom line about Southern Cross Travel Insurance
Southern Cross offers 4 straightforward policies with enough customisation and flexibility to suit most travellers. You'll find generous limits for theft or damage to your belongings, your premium includes cover for your dependent children up to the age of 21, and the ability to extend your cover if you decide to stay overseas longer. All features that you don't find every day with other insurers.
Where Southern Cross Travel Insurance falls short is with certain exclusions in its policies. There is no cover for cruises that stay in Australian waters or pregnancy after 24 weeks. While Southern Cross does have COVID-19 cover, it comes with more restrictions than other insurers, including the need to be fully vaccinated.
The age limit for Southern Cross Travel Insurance's policy is 118.
SCTI's PDS 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 aware of 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.
Yes, Southern Cross Travel Insurance includes cover for dependent children as part of your premium, but they must meet the definition of "dependent children". This means they need to be under 21 years old at the start date of your policy. Children can include your biological children, stepchildren, foster children, and even grandchildren.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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Can you find me the best travle insurace for the below quote i got from Flight Centre
Flight Centre Travel Insurance
Tue 5 Oct 2027
– Sun 31 Oct 2027
•
27
days
•
Europ Assistance (AU)
Policy Details
Provider:
Europ Assistance (AU)
Issue date:
Excess:
$250.00
Nationality:
2/12
Booking
Note
16 Apr 2026
Plan: Gold
Regions covered: Europe
Policy Option: Single Trip
Discount: A 5% Captain’s Pack discount has been applied.
Add-ons:
Change of mind cover included
Cruise cover included
Features and benefits:
The sums insured set out below are the maximum amount that will be paid under each section perinsured person per trip.
Trip Cancellation – $20000
Additional cancellation events – Included
Including sub-limit for events 1-5 – Specified cancellation limit
Including sub-limit for events 6-9 – Lesser of Specified cancellation limit or $10,000
Travel Delay – $3,500
Resumption of your trip – $5,000
Special Events – $6,000
Medical and other expenses outside Australia – $Unlimited
Medical Repatriation and Evacuation – $Unlimited
Additional emergency expenses – $Unlimited
Emergency Dental – $2,000
Hospital Incidentals – $8,000
Repatriation of remains – $50,000
Overseas Funeral – $20,000
Lump sum after Medical Repatriation – $3,000
Accidental Death and permanent disability – $50,000
Personal belongings and baggage – $25,000
Including sub-limit for laptops and cameras – $6,000
Including sub-limit for Smartphones – $6,000
Including Medical aid sublimit – $4,000
Including All other items/set of item limit – $1,500
Delayed Luggage – $1,500
Money – $500
Passport and Travel Documents – $5,000
Rental vehicle Excess Waiver – $10,000
Personal Liability – $5,000,000
Legal expenses – $25,000
Loss of Income – $45,000
Covid-19: Medical Expenses outside Australia – $Unlimited
Covid-19: Cancellation or Trip Disruption – $50,000
Hijack – $8,000
Pet Care – $600
Cruise – Included
Sports Activities – Included
Optional features and benefits:
Increased luggage sub-limit
Existing Medical Conditions
Winter Sports
3/12
Action Pack
For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply,refer to the relevant Product Disclosure Statement (PDS).
Cancellation Policy
For more information on the Cancellation Policy, please refer to the travel insurer’s Product DisclosureStatement (“PDS”) link in the Travel Insurance section of this document.
$2,759.51
All 2 travellers
Finder
SarahMay 1, 2026Finder
Hi Anthony,
Sounds like a wonderful trip! You can get a dozen+ quotes instantly by popping in your travel locations, dates and age in this quiz here. Based on your details supplied here, you should be able to get cover between $500 and $2,500, depending on the inclusions and excess, noting that travellers aged over 80 may need to pay higher premiums. Hope this helps!
CatherineCarrollOctober 16, 2025
Do you cover 85yo Lady with a pacemaker?
Finder
CeydaOctober 17, 2025Finder
Hi Catherine, looks like you’re trying to get in touch with Southern Cross Travel Insurance. You can get in touch with their customer service team at 1800 196 484 who can answer your coverage question. Hope this helps!
Ceyda
lynetteNovember 16, 2024
I’m going to Morocco Spain Portugal in March and I’m not sure what to do as your insurance reads only one destination please let me know what I have to do so I can purchase my travel insurance thanks
I would like to speak with someone as I tried to apply for a quote on line but had difficulty when it came to trying to put info about medication down
Finder
SarahMay 13, 2024Finder
Hi Anne,
We are a review and comparison site and we don’t operate a call centre. But you can call Southern Cross Travel Insurance on 1800 196 484. Hope this helps!
Finder
GarySeptember 29, 2023Finder
Hi John,
You may be covered for trip cancellations if you need to cancel due to sickness, so long as you took out cover before you became sick. It’s likely that you will need to provide evidence that you’re unfit to travel from a doctor.
Check out our coupon codes for Southern Cross Travel Insurance.
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Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Can you find me the best travle insurace for the below quote i got from Flight Centre
Flight Centre Travel Insurance
Tue 5 Oct 2027
– Sun 31 Oct 2027
•
27
days
•
Europ Assistance (AU)
Policy Details
Provider:
Europ Assistance (AU)
Issue date:
Excess:
$250.00
Nationality:
2/12
Booking
Note
16 Apr 2026
Plan: Gold
Regions covered: Europe
Policy Option: Single Trip
Discount: A 5% Captain’s Pack discount has been applied.
Add-ons:
Change of mind cover included
Cruise cover included
Features and benefits:
The sums insured set out below are the maximum amount that will be paid under each section perinsured person per trip.
Trip Cancellation – $20000
Additional cancellation events – Included
Including sub-limit for events 1-5 – Specified cancellation limit
Including sub-limit for events 6-9 – Lesser of Specified cancellation limit or $10,000
Travel Delay – $3,500
Resumption of your trip – $5,000
Special Events – $6,000
Medical and other expenses outside Australia – $Unlimited
Medical Repatriation and Evacuation – $Unlimited
Additional emergency expenses – $Unlimited
Emergency Dental – $2,000
Hospital Incidentals – $8,000
Repatriation of remains – $50,000
Overseas Funeral – $20,000
Lump sum after Medical Repatriation – $3,000
Accidental Death and permanent disability – $50,000
Personal belongings and baggage – $25,000
Including sub-limit for laptops and cameras – $6,000
Including sub-limit for Smartphones – $6,000
Including Medical aid sublimit – $4,000
Including All other items/set of item limit – $1,500
Delayed Luggage – $1,500
Money – $500
Passport and Travel Documents – $5,000
Rental vehicle Excess Waiver – $10,000
Personal Liability – $5,000,000
Legal expenses – $25,000
Loss of Income – $45,000
Covid-19: Medical Expenses outside Australia – $Unlimited
Covid-19: Cancellation or Trip Disruption – $50,000
Hijack – $8,000
Pet Care – $600
Cruise – Included
Sports Activities – Included
Optional features and benefits:
Increased luggage sub-limit
Existing Medical Conditions
Winter Sports
3/12
Action Pack
For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply,refer to the relevant Product Disclosure Statement (PDS).
Cancellation Policy
For more information on the Cancellation Policy, please refer to the travel insurer’s Product DisclosureStatement (“PDS”) link in the Travel Insurance section of this document.
$2,759.51
All 2 travellers
Hi Anthony,
Sounds like a wonderful trip! You can get a dozen+ quotes instantly by popping in your travel locations, dates and age in this quiz here. Based on your details supplied here, you should be able to get cover between $500 and $2,500, depending on the inclusions and excess, noting that travellers aged over 80 may need to pay higher premiums. Hope this helps!
Do you cover 85yo Lady with a pacemaker?
Hi Catherine, looks like you’re trying to get in touch with Southern Cross Travel Insurance. You can get in touch with their customer service team at 1800 196 484 who can answer your coverage question. Hope this helps!
Ceyda
I’m going to Morocco Spain Portugal in March and I’m not sure what to do as your insurance reads only one destination please let me know what I have to do so I can purchase my travel insurance thanks
Hi Lynette,
You should be able to find a range of travel insurance options here. Hope this helps!
I would like to speak with someone as I tried to apply for a quote on line but had difficulty when it came to trying to put info about medication down
Hi Anne,
We are a review and comparison site and we don’t operate a call centre. But you can call Southern Cross Travel Insurance on 1800 196 484. Hope this helps!
Hi John,
You may be covered for trip cancellations if you need to cancel due to sickness, so long as you took out cover before you became sick. It’s likely that you will need to provide evidence that you’re unfit to travel from a doctor.
I’d suggest contacting the insurer directly.
Thanks,
Gary