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If you’re looking for comprehensive coverage for your upcoming holiday, trip or move overseas, check out Southern Cross Travel Insurance (SCTI). We’ve found some frequently asked questions to bring you all the info you’ll need when it comes to taking out coverage with SCTI.

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 27 May 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.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • International Comprehensive Single

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • Choose $2,500 to unlimited

    • $25,000

    • $50,000

    • Unlimited

    • $3,000

    • $50,000

    • $50,000

    • $6,500

    • $1,000

    • $10,000

    • Choose $2,500 to unlimited

    • $1,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • International Comprehensive Annual Multi Trip Single (90 days)

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • Choose $2,500 to unlimited

    • $25,000

    • $50,000

    • Unlimited

    • $3,000

    • $50,000

    • $50,000

    • $6,500

    • $1,000

    • $10,000

    • Choose $2,500 to unlimited

    • $1,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • International Comprehensive Family

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • Choose $2,500 to unlimited

    • $25,000

    • $50,000

    • Unlimited

    • $3,000

    • $50,000

    • $50,000

    • $6,500

    • $1,000

    • $10,000

    • Choose $2,500 to unlimited

    • $1,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • International Comprehensive Annual Multi Trip Family (90 days)

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • Choose $2,500 to unlimited

    • $25,000

    • $50,000

    • Unlimited

    • $3,000

    • $50,000

    • $50,000

    • $6,500

    • $1,000

    • $10,000

    • Choose $2,500 to unlimited

    • $1,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • International Medical Only

    • Per person

    • Unlimited

    • Unlimited

    • $250.00

    • Events
    • Yes - if travelling alone, reasonable costs.

    • Up to $100 per day, up to $3,000.

    • $25,000

    • $1,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


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:

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: 

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:

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. 

Southern Cross Travel Insurance customer reviews

Read how the Mozo community has  rated Southern Cross Travel Insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Southern Cross Travel Insurance travel insurance
8.8

Overall 8.8

8.8

Value for money

9.0

Policy coverage

9.0

Customer service

9.0

Claims handling

8.6

Trust

56 Reviews

Recent Southern Cross Travel Insurance travel insurance customer reviews Recent Southern Cross Travel Insurance travel insurance customer reviews

Southern Cross Travel Insurance logo

Southern Cross Travel Insurance Travel Insurance review

Overall rating   7 / 10

helpful reps but not so great value for money

Southern Cross has a dedicated hotline where you can easily be attended to by reps who clearly advise you of the requirements for filing claims. I just find however that their premiums tend to be more expensive than the rest. Perhaps this is to...

Full review

Southern Cross has a dedicated hotline where you can easily be attended to by reps who clearly advise you of the requirements for filing claims. I just find however that their premiums tend to be more expensive than the rest. Perhaps this is to compensate for the frequent competitions they run.

    Value for money   5 / 10

    Policy coverage   9 / 10

    Customer service   9 / 10

    Trust   10 / 10

Less

Josephus, Australian Capital Territory, reviewed 11 months ago

Southern Cross Travel Insurance logo

Southern Cross Travel Insurance Travel Insurance review

Overall rating   9 / 10

Great company for travel insurance

We used this company when we travelled to Europe. They were very helpful and offered valuable advice and pricing was very good.

Full review

We used this company when we travelled to Europe. They were very helpful and offered valuable advice and pricing was very good.

    Value for money   8 / 10

Less

Cheryl, Queensland, reviewed almost 7 years ago

Southern Cross Travel Insurance logo

Southern Cross Travel Insurance Travel Insurance review

Overall rating   9 / 10

Easy to use online system and great service

Easy to use online system and great service

Full review

Easy to use online system and great service

    Value for money   9 / 10

Less

Jason, New South Wales, reviewed about 7 years ago

Southern Cross Travel Insurance logo

Southern Cross Travel Insurance Travel Insurance review

Overall rating   5 / 10

User friendly

Easy to use and navigate the website

Full review

Easy to use and navigate the website

    Value for money   5 / 10

    Trust   5 / 10

Less

Mark, Queensland, reviewed over 8 years ago

Southern Cross Travel Insurance logo

Southern Cross Travel Insurance Travel Insurance review

Overall rating   10 / 10

Easy to deal with!

Made a claim quick and easy with Southern Cross! Purchased through this company due to being award winning and I was not disappointed!

Full review

Made a claim quick and easy with Southern Cross! Purchased through this company due to being award winning and I was not disappointed!

    Value for money   10 / 10

    Trust   7 / 10

Less

Alishia, Western Australia, reviewed over 8 years ago

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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.