Southern Cross Travel Insurance

Southern Cross Travel Insurance is a provider of travel insurance in Australia and New Zealand.

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The table below displays a snapshot of Southern Cross Travel Southern Cross Travel Insurance LogoInsurance’s policies on Canstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.

 

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What types of travel insurance does Southern Cross Travel Insurance offer?

Southern Cross Travel Insurance offers both domestic and international travel insurance, with specialised policies for annual travellers, seniors, cruisers and skiers. All of these fit under Southern Cross’s comprehensive TravelCare policy.

If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

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What does Southern Cross Travel Insurance’s international travel insurance cover?

Southern Cross Travel Insurance’s TravelCare policy will cover you for:

  • Medical cover: Southern Cross Travel will cover the cost without any excess.
  • Travel delays: Southern Cross Travel Insurance will pay up to $3,000 per person, to a maximum of $6,000 per journey, towards alternative transport that will enable you to get to your event on time.
  • Rental car excess: If, as a result of an unexpected event, the rental vehicle you have hired is stolen or damaged during your journey, Southern Cross Travel Insurance will reimburse you for any non-refundable excess payable to the rental vehicle company of up to $5,000.
  • Dependent coverage: Children under the age of 18 are fully covered when travelling with a guardian.
  • 24/7 assistance: Southern Cross Travel’s worldwide assistance team is available 24 hours a day via phone.
  • Lost or stolen documents: Southern Cross Travel Insurance will cover the cost involved in replacing important documents that have been lost or stolen.

Please note that exclusions may apply. For example, your medical cover may not pay claims for medical or dental treatment received in Australia, and it will only cover losses related pregnancy up to and including the twentieth week. Another example of an exclusion is not being covered for any delays caused by a natural disaster occurring before the start date of your insurance.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on Southern Cross Travel Insurance’s website.

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Southern Cross Travel Insurance FAQs

Yes, Southern Cross Travel Insurance’s TravelCare policy has unlimited cover for overseas medical and hospital expenses under the following circumstances:

  • You need medical assistance for an unexpected illness
  • You’re seriously injured in an accident
  • You need to be evacuated for an unexpected injury

The TravelCare policy will also provide cover for up to the following amounts:

  • $750 per person, per journey if you require emergency dental treatment for relief from sudden and acute pain or tooth injury
  • $3,000 per person, per journey if you’re hospitalised and require a stay of more than 72 hours
  • A maximum of $6,500 per person if you suffer a loss of income due to an injury or illness on your trip

As always, various conditions and exclusions will apply. It’s highly unlikely that you will be covered if the injury you suffer is classified as a ‘pre-existing condition’, for example.

For more information on whether you’re covered or not, read Southern Cross Travel Insurance’s Product Disclosure Statement.

Yes, Southern Cross Travel Insurance will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under Southern Cross Travel Insurance’s TravelCare policy, up to $25,000 worth of your belongings will be covered for an individual and $50,000 for families. Southern Cross will also cover:

  • The cost of essential medication if its lost or destroyed
  • Up to $2,500 for jewellery and $1,500 for clothes and essential items
  • $3,000 per item for laptops, tablets, cameras, etc.

Again, there are exclusions that come with Southern Cross Travel Insurance’s policies. For personal items and jewellery, you must specify them before applying, and all items must be approved by Southern Cross; otherwise they will not be covered. Ensure you check the PDS to find out more about what items and luggage are and aren’t covered.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, Southern Cross Travel Insurance will cover up to a certain amount for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy, including:

  • $5,000 of cover per journey if your cancelled or delayed flight was purchased with frequent flyer points
  • A reimbursement for the lower amount of either the total value of your additional alteration costs, or for the total value of your unused, prepaid costs if you have to cancel
  • $30,000 per journey or qualifying expenses incurred within the first 30 day due to delay or cancellation caused by an unexpected event

Read the Product Disclosure Statement for more information on the various exclusions that may apply.

You can purchase a Southern Cross Travel Insurance policy by first comparing your options with Canstar and then generating a quote online. All you need to list is your personal details (age, length of trip, address, etc.), your pre-existing conditions and your choice of cover:

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You can lodge a claim with Southern Cross Travel Insurance online by visiting its ‘make a claim’ section.  Claiming with Southern Cross is easy:

  1. Enter your policy number
  2. Follow the prompts and enter the details of your claim
  3. Submit your claim and wait for Southern Cross to do the rest

Your claim should be processed within three business days.

Check out our guide on how to make claiming for travel insurance easier.

Southern Cross Travel Insurance is an online-only provider of travel insurance in Australia and New Zealand and offers a wealth of expertise to thousands of travellers every year. In 2017, Southern Cross was one of the recipients of Canstar’s 2017 International Travel Insurance Award.

TravelCare Single Journey Policy

Canstar Research
Rating:
Award: Outstanding Value Travel Insurance

Written by: William Jolly | Last updated: