Southern Cross Travel Insurance

About Southern Cross Travel Insurance

Established in 1982 and based in New Zealand, Southern Cross Travel Insurance offers competitive travel insurance cover for Australians and New Zealanders. SCTI is underwritten by Southern Cross Benefits Ltd. 

Cover information and limits in the table below verified as correct at 19 April 2024. Other information correct at the time of writing.

Southern Cross Travel Insurance plans

Southern Cross offers single trip and annual multi-trip international travel insurance policies, as well as domestic travel insurance, depending on your needs. Your premium will change depending on if you’re travelling alone, or with family. Check out the table below for an overview of the rates and fees. They also offer a Working Overseas policy designed for people living and working abroad.

What is included in an international Southern Cross Travel Insurance policy?

Remember to check Mozo’s data fields or the Southern Cross Travel Insurance Product Disclosure Statement (PDS) for details on pay-out limits and general exclusions for specific areas across their international policy. 

The following cover is provided as standard on Southern Cross Travel Insurance’s International Comprehensive policy:

• Overseas emergency medical assistance

• Overseas emergency hospital expense

• Additional accommodation and travel expenses

• Emergency companion

• Hospital cash allowance

• Accidental death and permanent disability 

• Loss of income

• Travel documents

• Luggage and personal effects

• Rental vehicle excess

• Cancellation fees

• Alternative travel expenses

• Personal liability.

There are also several activities that are automatically covered by this policy. However, some come with conditions, such as needing to be performed with a licensed operator. Check the PDS to make sure your activities are covered. Activities include: 

• Bungee jumping (when taking part with a licensed operator)
• Conservation work (if it's not manual)
• Mountain biking
• Mountaineering (conditions apply) 
• Rock climbing (when taking part with a licensed operator)
• Scuba diving (if you hold an open diving certificate or diving with a qualified instructor)
• Surfing
• Trekking (conditions apply).

Does Southern Cross Travel Insurance cover COVID-19?

Southern Cross Travel Insurance does cover COVID-19-related claims, however, there are some specific conditions and criteria. Read the Supplementary Product Disclosure Statement (SPDS) and PDS for the full story on terms and conditions. 

What optional add-ons does Southern Cross Travel Insurance offer on their International Comprehensive policy? 

There are currently a couple of extras you can add to your cover, for an extra premium, and you’ll need this specific coverage for some activities. For instance, if you’re planning on hitting the ski slopes, SCTI’s standard policy won’t cover you for any claims related to snow sports if you do not purchase the relevant extra cover. 

Optional extras include:

• Snow sports insurance

• Cruise insurance
• Moped/motorcycle insurance. 

What is SCTI’s Working Overseas insurance policy?

Work overseas without worry with SCTI’s Working Overseas travel insurance policy which is designed to provide comprehensive benefits that are tailored towards longer journeys for those living and working abroad. This policy includes conventional travel insurance benefits as well as benefits such as optical treatment, emergency dental treatment, mental health care, occupational therapy and more. You’re also automatically covered for activities such as skiing and snowboarding, riding mopeds or travelling on a cruise.

What pre-existing conditions are covered?

Southern Cross Travel Insurance does not automatically cover pre-existing medical conditions. SCTI will require you to undertake a medical assessment before you buy your policy if you have any conditions that you want to be covered. After the medical assessment, they may be able to offer you cover, however, any cover that they do offer you may come at an extra premium. 

If you have any questions about getting cover for your pre-existing medical conditions, call Southern Cross Travel Insurance on 1800 196 484. 

What do I do if there’s an emergency during my trip? 

If there’s an emergency during your trip, contact Southern Cross Travel Insurance’s emergency assistance number, at +61 2 9191 1180. 

How do I make a claim with Southern Cross Travel Insurance? 

You should make sure to notify SCTI when something goes wrong as soon as possible. To make a claim, head to www.scti.com.au/claims. You will need to have any supporting documents, like receipts, emails, or police reports handy, so that you have proof regarding the nature of your claim. It’s your responsibility to ensure that whatever has gone wrong, you do your best to minimise any further losses. If your claim is for a medical event, you must have written reports from a qualified professional. 

If you have any questions regarding the claim process, call SCTI on 1800 196 484. 

Compare Southern Cross Travel Insurance policies with other Australian Insurers

Southern Cross Travel Insurance are trusted by Australians and offer comprehensive, affordable cover for your next trip. But it never hurts to compare what options are out there before settling on a policy that’s right for you. Doing that is simpler than ever with Mozo’s easy to use travel insurance comparison tool. All we need from you are some details about your trip - your travel dates, destination, how many travellers and their ages - and we’ll compare the current travel insurance options for you.

While you’re at it, check out our travel hub for more information about different types of travel insurance and some tips and articles about finding the right policy for your trip. Also, remember to take a look at our best $20 series for some of the best money savvy tips from all around the world.