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If you’re looking for comprehensive and affordable cover, take a look at Southern Cross Travel insurance (SCTI). We’ve found some frequently asked questions and combed their product disclosure statement (PDS) 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. 

Rates and fees verified as correct at 22 January 2022. 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.

  • Events

  • Limits shown apply

  • 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

    • Single Journey

    • Per group

    • Unlimited

    • Unlimited

    • 250

    • $5,000

    • Events
    • $50,000

    • $100,000

    • $5,000

    • $3,000

    • $25,000

    • $50,000

    • $13,000

    • $2,000

    • $2,000

    • $5,000

    • $100,000

    • $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
    • Optional

    • Optional

    More info
    • Annual Frequent Traveller (90 days)

    • Per group

    • Unlimited

    • Unlimited

    • 250

    • $5,000

    • Events
    • $50,000

    • $100,000

    • $5,000

    • $3,000

    • $25,000

    • $50,000

    • $13,000

    • $2,000

    • $2,000

    • $5,000

    • $100,000

    • $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
    • Optional

    • Optional

    More info
  • Events

  • Limits shown apply

  • 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

    • Single Journey

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • $2,500

    • Events
    • $25,000

    • $50,000

    • $5,000

    • $3,000

    • $25,000

    • $25,000

    • $13,000

    • $1,000

    • $1,000

    • $5,000

    • $50,000

    • $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
    • Optional

    • Optional

    More info
    • Annual Frequent Traveller (90 days)

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • $2,500

    • Events
    • $25,000

    • $50,000

    • $5,000

    • $3,000

    • $25,000

    • $25,000

    • $13,000

    • $1,000

    • $1,000

    • $5,000

    • $50,000

    • $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
    • Optional

    • Optional

    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? 

Southern Cross Travel Insurance’s international policy is comprehensive, and even automatically includes cruise cover, as well as dependent children for free. 

But remember: 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 policy:

Medical and evacuation

Cancellation or changes to journey before departure

Changes to your journey after departure

Baggage and personal items

Personal accident

Other

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. As of 17 November 2021, SCTI has provided a supplementary product disclosure statement for COVID-19. 

The COVID-19-related cover available includes:

But keep in mind, if your destination has a Smartraveller advice warning of a Level 3 or higher, then cover for COVID-19 won’t be provided. The same goes for those who are not fully vaccinated against COVID-19. 

What optional add-ons does Southern Cross Travel Insurance offer on their international policies? 

There are currently a few 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 holidaying in South East Asia and figure you’ll be riding mopeds around the city, or if you’re planning on hitting the ski slopes, SCTI’s standard policy won’t cover you for any claims related to these activities if you do not purchase the relevant extra cover. 

What pre-existing conditions are covered?

Southern Cross travel insurance does not automatically cover pre-existing medical conditions. SCTI may require you to undertake a medical assessment before you buy your policy if you have a pre-existing medical condition. 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. 

Does Southern Cross Travel Insurance cover pregnancy? 

SCTI covers pregnancy up until the 24th week of gestation. It is available for a single or multiple pregnancy, and for those who became pregnant through fertility treatment, provided there have been no pregnancy complications before you buy your policy. It covers childbirth up until the 24th week, as well as neonatal care of the newborn until you return home.

What exclusions are there to look out for in a Southern Cross Travel Insurance international policy?

While they often cover unexpected events (events outside of your control), SCTI do not cover acts of war or terrorism, uncluding biological or chemical weapons, or nuclear weapons. They do not cover governmental or official directives, prohibitions, quarantine orders, or detention. 

If you’re travelling to a country where a natural disaster has occurred before the date of your insurance begins, then any claims related to that will not be covered either. And if you’re taking part in adventure sports like black water rafting, hang gliding, outdoor rock climbing, or parachuting without a licensed instructor, then you will not be covered in the event that something goes wrong. 

If you’d like a more detailed list of the exclusions, then check out the PDS, available on their website. 

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, on +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

8.9

Value for money

9.0

Policy coverage

9.0

Customer service

9.0

Claims handling

8.5

Trust

55 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   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 over 4 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 almost 5 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 about 6 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 about 6 years ago

Southern Cross Travel Insurance logo

Southern Cross Travel Insurance Travel Insurance review

Overall rating   9 / 10

Overseas rental car insurance

I like them because their policies are easy to read and they offer rental car insurance.

Full review

I like them because their policies are easy to read and they offer rental car insurance.

    Value for money   8 / 10

    Trust   8 / 10

Less

Elinor, Victoria, reviewed about 6 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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.