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Southern Cross Travel Insurance Reviews

Southern Cross Travel Insurance (SCTI) is a direct online travel insurance company. All communication with SCTI is generally via email or online, except when it comes to emergency assistance. Being a web based company means that SCTI are able to offer competitive prices as they pass on the benefit of low overheads to their customers. With various levels of cover, Southern Cross has a policy to suit every budget. Policies are available to those of any age. They offer 24/7 emergency assistance no matter where you are in the world. SCTI is underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance.

Overall rating 6.8/10

Customer Experience

6.8/10
6.8/10

Value for Money

6.7/10
6.7/10

Claims Experience

6.6/10
6.6/10
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HEARTLESS, LACK OF EMPATHY, AND INSENSITIVE!!

Review by Danger Dan | 17 August 2017, 10:42 AM | 1 comment

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 | 0 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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Claim for Japan trip interrupted by storm

Review by johnaduley | 11 April 2017, 13:34 PM | 0 comment

My wife and I traveled around Japan a year ago, to and from Australia. We took out Southern Cross Tra... Read more

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So easy to deal with!

Review by Aussietraveller92 | 10 November 2016, 12:18 PM | 1 comment

Ignore some of the horrible reviews on here. I was snowboarding in Canada Feb of 2016 and broke a cou... Read more

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Avoid, low rent rubbish insurer

Review by Bruce | 11 October 2016, 10:36 AM | 0 comment

Like most travel insurers they refuse all claims of a medical nature in the first instance , they ope... Read more

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Made two claims, easily done, efficient and value f...

Review by amy__111 | 25 August 2016, 10:11 AM | 2 comments

I chose SCTI because they were the cheapest travel insurance for a year long world wide insurance cov... Read more

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look OK until you need to claim

Review by art h | 23 May 2016, 11:43 AM | 0 comment

Used Southern cross 3 times and was fine until i had to make a claim for a camera. Rate of depreciati... Read more

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Don't use if you have a mental illness it's not med...

Review by Amy | 16 October 2015, 11:28 AM | 0 comment

Stay away from the company I will never use them again, was told after having a major panic attack fo... Read more

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Good travel insurer

Review by Jaclt | 17 June 2015, 02:54 AM | 1 comment

It offers great amount of coverage at a really competitive rate. I would only suggest doing your rese... 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 11 travellers.

Am I covered if I go on a cruise?

Yes,you can 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 are not eligible to purchase a TravelCare policy, as it covers international travel only.

Am I covered for skiing and snowboarding?

Yes, as long as you are skiing or snowboarding within designated commercial ski areas. There is no cover for skiing or snowboarding which happens off piste, or outside of ski resort boundaries, or in areas which have been closed for any reason. There is no cover for participation in (or training for) professional skiing, individual or team skiing competitions which involve monetary prizes over $500. Your skis or snowboarding equipment are not covered if damaged when in use.

Are kids covered for free?

Yes, that’s right, kids will be covered at no added cost! Dependent children and grandchildren are included for free as long as they are under 18 years of age and not in full time employment.

Can I pay to reduce or cancel my excess?

No, an excess of $100 applies to any claim payments made to you.

What additional extras are there?

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

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 as long as you are on a work permit which allows for a continuous
stay of at least two years in Australia. 

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

You are only insured to ride a bike of up to 200cc irrespective of what’s on your license. You will not be covered unless you hold a valid license in Australia for the same class of vehicle you are operating overseas and you are wearing a helmet. 

How long is their single trip cover for?

12 months.

Can I extend my policy from overseas?

You can extend your policy by another 12 months by contacting SCTI directly. If you have an Annual Frequent Traveller policy, no extension will be granted once the 90th day of a journey or your 'End Date of insurance' has passed. If you have a Single Journey policy, no extension will be granted once your 'End Date of Insurance' has passed.

Do they cover for my rental vehicle excess?

Yes, for up to $5,000. You are only insured for a standard model motor vehicle, motor home (designed to carry no more than 8 people including the driver) or a moped or motorcycle with a maximum engine capacity of 200cc. The vehicle must be rented from a licensed motor vehicle rental agency.

Who underwrites them?

Southern Cross Travel Insurance.

Where are they based?

Sydney!
 
 

FOUR FAST FACTS

No age limit
No age limit
90 days
$1500 per item limit
or
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