Southern Cross Travel Insurance won the 2026 Finder Award for Best Comprehensive Travel Insurance.
Full list of 2026 winners| Overseas medical and hospital expenses | Yes |
|---|---|
| Cancellation and amendment fees | Cover chosen (options to increase up to unlimited) |
| Luggage and personal effects | $25,000 |
| Maximum age limit | 118 |
Table updated March 2025
Southern Cross received the following highly commended awards in the 2024 Customer Satisfaction Awards:
Congratulations, Southern Cross!
Full list of 2024 winners
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 are some of the main policy benefits to help you find out if Southern Cross Travel Insurance can provide the right cover for you.
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.
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.
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.
Southern Cross offers 5 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.
If you're still not sure about Southern Cross, you can compare other travel insurance companies here.
See the latest Southern Cross Travel Insurance promotions and ways to save.
i am considering the medical only international insurance cover but i have not been vaccinated against covid 19. can i still buy this policy
Hi Graham,
Thanks for your message. While I can’t see anything in Southern Cross’ Eligibility criteria that specifically mentions the need to be vaccinated against COVID, it’s best to reach out to the insurer directly to confirm this.
Best,
James
Hi Penny,
Yes you should still inform them of your pre-existing condition.
Kind regards,
Gary
bought a policy no 13086815 . have recieved no email.
Hi Dave,
This is a Finder review page about Southern Cross Travel insurance. We are not directly affiliated with Southern Cross, so you’ll need to contact them directly about your policy.
Hope this helps!
Would like to know how much for a cover from 28 March 2023 to 31 March 2023 for a cruise from brisbane to whitsuncays and return.
im 75 and have mild asthma.
Hi Gaye,
To compare your options for travel insurance, pop your dates and travel details into this form:
https://www.finder.com.au/travel-insurance
You can think click on the policy that is the most suitable and follow the links to purchase.
Hope this helps!
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.
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. 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 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, simply enter your mum’s travel details on the form to get a quote.
You can also find travel insurance for pre-existing conditions.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Joshua