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Southern Cross Travel Insurance Reviews

Southern Cross Travel Insurance (SCTI) has been providing cover for international travellers for over 35 years. You can choose from two types of policies – a Single Trip or an Annual Multi-Trip. Policies are available to those of any age. They also offer 24/7 emergency assistance, no matter where you’re in the world. SCTI is underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance.

Overall rating 6.5/10

Customer Experience

6.6/10
6.6/10

Value for Money

6.5/10
6.5/10

Claims Experience

6.4/10
6.4/10
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Paid up when another insurance would not

Review by Julie | 21 July 2018, 23:17 PM | 0 comment

These guys paid for our accomodation in Sihanoukville when our flight delayed 4 hours meaning we miss... Read more

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Worst company ever

Review by Ross S | 09 July 2018, 18:19 PM | 0 comment

If you want to waste your money go with SCTI. Great suck in cheap prices but wont pay for any claims.... Read more

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Terrible company, do not use!

Review by BKK VIET | 04 July 2018, 17:13 PM | 0 comment

This company say a lot but don’t follow through. That have made my holiday very stressful because no ... Read more

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Long time customer - first time claim

Review by Karl | 17 May 2018, 17:12 PM | 0 comment

Based on the good reviews I have been using SCTI for many trips. I recently had my first experience o... Read more

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Waste Of Money And False Sense Of Protection. They ...

Review by MSS | 14 May 2018, 15:40 PM | 0 comment

Terrible. We purchased SCTI insurance over a dozen times while travelling. However when unfortunately... Read more

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Always had no issues until...

Review by WanderJess | 09 March 2018, 11:33 AM | 1 comment

Have used and claimed through SCTI for medical purposes before but as soon as it was for "luggage... Read more

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Hassle-free experiences

Review by Bruce Stevens | 12 February 2018, 12:35 PM | 0 comment

Obviously some clients have had issues however my experiences have been hassle-free. Typhoon hit Yoko... Read more

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HEARTLESS, LACK OF EMPATHY, AND INSENSITIVE!!

Review by Danger Dan | 17 August 2017, 10:42 AM | 2 comments

HEARTLESS, LACK OF EMPATHY, AND INSENSITIVE!!

I paid a total of A$596 for SCTI travel insur... Read more

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Brilliant company

Review by Ian Burgess | 31 July 2017, 11:34 AM | 0 comment

Never had any problem with a claim use them all the time thank you will always use scti for every tri... Read more

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You'd be better off throwing your money into th...

Review by Milo Burns | 18 July 2017, 10:56 AM | 1 comment

After being forced to send sensitive documents to this company after a death in the family, our simpl... Read more

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Hassle-free, claim paid.

Review by Michael Owen | 17 July 2017, 14:11 PM | 0 comment

Their website failed and had an error message when I was trying to take out the policy, so I had to f... Read more

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So easy to deal with, transparent in there communic...

Review by Dave Zane Music | 08 June 2017, 11:12 AM | 0 comment

Have never made a claim thankfully as I've never lost anything overseas. But unfortunately on the... Read more

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SCTI FAQ's

How many people can I include in my policy?

You can purchase a policy online to include up to two adults and nine children.

Am I covered if I go on a cruise?

Yes, our policy automatically covers you if you’re a fare paying passenger aboard a cruise ship.

You can also purchase a TravelCare policy if the cruise is travelling around Australia as part of your international itinerary. For example, the cruise ship departs Auckland and travels around the North Island of New Zealand, then on to Australia, cruising around the coast.

However, if your cruise ship is only travelling through Australian waters, you’re not eligible to purchase a TravelCare policy, as it covers international travel only.

Am I covered for skiing and snowboarding?

You have the option to select ‘Skiing and snowboarding cover’ during the application process. If you have selected this option, paid an extra premium, and have skiing and snowboarding cover confirmed on your Certificate of Insurance, then you will have cover (as long as you follow the terms and conditions in the policy).

Are kids covered for free?

Yes, kids can be covered at no added cost. Dependent children and grandchildren are included for free, as long as they’re under 17 years of age and not in full time employment.

Can I pay to reduce or cancel my excess?

Yes, you can choose to have a $0, $100 or $250 excess on your policy. The excess you select will be confirmed on your Certificate of Insurance.

What additional extras are there?

You can personalise your policy with options to:

• Increase your luggage cover, up to $10,000 for any single item (with a maximum limit of $15,000 per journey)

• Increase cover for cancellations or changes to your journey before you leave

• Add specified personal items valued above $1,500

• Add ‘moped and motorbike cover’

• Add ‘skiing and snowboarding cover’

Am I covered if my tour company collapses?

No, SCTI doesn’t provide protection from insolvency.

I’m not an Australian resident- can I buy cover?

Yes, you can buy cover if you’re:

• An Australian citizen or permanent resident

• A New Zealand citizen or permanent resident

• On a visa/permit which allows you to access all publicly funded health and disability services in Australia and is valid until after your end date of insurance

What size moped or motorbike am I covered to ride overseas?

You have the option to select ‘Moped and motorbike cover’ during the application process. If you have selected this option, paid an extra premium, and have moped and motorbike cover confirmed on your Certificate of Insurance, then you’ll be covered if you’re riding a bike of up to 200cc (as long as you follow the other terms and conditions in the policy). 

How long is their single trip cover for?

A single trip policy can cover journeys that are up to 12 months in duration.

Can I extend my policy from overseas?

If you have a Single Trip policy, you can extend your policy by contacting SCTI directly. No extension will be granted once your 'End Date of insurance' has passed. If you have an Annual Multi-Trip policy, you’ll need to purchase a brand new policy as SCTI don’t currently offer extensions.

Do they cover for my rental vehicle excess?

Yes, for up to $5,000. You’re only insured for a standard model motor vehicle or motor home (designed to carry no more than eight people, including the driver). The vehicle must be rented from a licensed motor vehicle rental agency.

Who underwrites them?

Southern Cross Benefits Limited trading as Southern Cross Travel Insurance.

Where are they based?

Sydney!
 
 

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