Southern Cross Travel Insurance Review

Southern Cross Travel Insurance Review

If you’re planning a trip and want to make sure you’re protected against unexpected events, you may want to consider purchasing travel insurance. One option to consider is Southern Cross Travel Insurance.

In this article, we’ll provide a comprehensive review of this insurance provider, discussing its features, benefits, and potential drawbacks to help you make an informed decision.

What is Southern Cross Travel Insurance?

Southern Cross Travel Insurance (SCTI) is an Australian-based travel insurance provider that offers a range of policies to suit different types of travellers. The company was founded in 1986 and is part of the Southern Cross Benefits Limited group, which also offers health insurance and pet insurance.

Features and benefits

SCTI offers a range of policies that can cover you for a variety of situations, including medical emergencies, trip cancellations, lost or stolen baggage, and more. Some of the features and benefits of SCTI’s policies include:

  • 24/7 emergency assistance: If you need help while travelling, SCTI’s emergency assistance team is available around the clock to provide assistance.
  • Unlimited medical coverage: SCTI offers unlimited medical coverage for overseas medical expenses, including hospital stays, surgery, and emergency dental treatment.
  • Trip cancellation and interruption: SCTI can reimburse you for the costs of your trip if you need to cancel or cut it short due to unexpected events, such as illness, injury, or natural disasters.
  • Baggage and personal items: SCTI can reimburse you for the cost of lost, stolen, or damaged baggage and personal items.
  • Rental vehicle excess: If you rent a car while travelling, SCTI can cover the excess payable in the event of an accident or theft.
  • Adventure sports: SCTI covers a range of adventure sports, including bungee jumping, skydiving, and scuba diving.

Potential drawbacks

While SCTI offers a range of policies with comprehensive coverage, there are a few potential drawbacks to consider. These include:

  • Age restrictions: Some SCTI policies have age restrictions, which may limit the coverage available to older travellers.
  • Pre-existing medical conditions: SCTI may not cover pre-existing medical conditions, or may require you to pay an additional premium for coverage.
  • Exclusions: As with any insurance policy, there are certain exclusions that apply to SCTI’s policies. For example, certain activities may not be covered, or there may be limitations on the amount of coverage available for certain events.


Overall, Southern Cross Travel Insurance is a reputable travel insurance provider that offers a range of policies to suit different types of travellers. With 24/7 emergency assistance and comprehensive coverage for medical emergencies, trip cancellations, and more, SCTI can provide peace of mind when travelling.

However, it’s important to be aware of any age restrictions, pre-existing medical condition exclusions, or other limitations that may apply to the policy you choose.

To learn more about SCTI’s policies and determine if they are right for your travel needs, we recommend visiting their website or contacting them directly.

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