Southern Cross Travel Insurance

Southern Cross Travel Insurance

Southern Cross Travel Insurance (SCTI) is a well-known travel insurance provider based in New Zealand and Australia. SCTI offers a range of travel insurance plans designed to cover various aspects of travel, including medical expenses, trip cancellations, lost or stolen luggage, and personal liability. Their policies are available for different types of travelers, including individuals, families, and frequent travelers.

Southern Cross Travel Insurance (SCTI) generally receives positive reviews from customers. On Mozo, SCTI scores an 8.8 out of 10, with high marks for policy coverage, customer service, and claims handling. Customers appreciate their efficient online system and responsive customer service. However, some find their premiums slightly higher compared to other providers. Positive experiences often highlight easy claim processes and good value for money, while negative reviews mention difficulties in making claims and slower processing times.

Key features of SCTI's travel insurance typically include:

• Medical Cover: Coverage for overseas medical expenses, hospital stays, and emergency evacuation. Medical travel insurance provides coverage for medical emergencies and healthcare expenses incurred while traveling. Key features typically include:
• Emergency Medical Expenses: Covers hospital and medical treatment costs for illnesses or injuries.
• Medical Evacuation and Repatriation: Includes transportation to the nearest suitable medical facility or back home.
• COVID-19 Coverage: Covers medical treatment and cancellations due to COVID-19.
• 24/7 Assistance: Access to emergency medical support and advice.
• Hospital Allowance: Daily allowance for hospital stays.
• Cancellation Cover: Reimbursement for non-refundable travel costs if you need to cancel or shorten your trip due to covered reasons.
• Cancellation cover travel insurance reimburses you for non-refundable travel expenses if you need to cancel or interrupt your trip due to covered reasons such as illness, injury, death of a close family member, natural disasters, or other specified events. Coverage typically includes expenses for flights, accommodations, tours, and other prepaid travel costs. Each policy varies, so it's important to review the specific terms and conditions to understand what is covered and any exclusions that may apply. 
• Luggage and Personal Items: Compensation for lost, stolen, or damaged baggage and personal belongings. Luggage and personal items travel insurance provides coverage for your belongings while traveling. This typically includes:
• Lost, Stolen, or Damaged Items: Reimbursement for personal items such as clothing, electronics, and luggage that are lost, stolen, or damaged during your trip.
• Baggage Delay: Compensation for essential purchases if your luggage is delayed beyond a specified period.
• Personal Money and Documents: Coverage for loss or theft of money, travel documents, and passports.
• Travel Delays: Coverage for additional expenses incurred due to travel delays. Travel delays insurance covers expenses incurred due to significant delays in your travel plans. Key features typically include:
• Accommodation and Meals: Reimbursement for additional costs of lodging and meals during the delay.
• Alternative Transportation: Coverage for expenses related to arranging alternative transportation.
• Missed Connections: Compensation for missed connections and additional travel costs.
• Specific Time Thresholds: Coverage often activates after a certain number of hours of delay.
• Personal Liability: Protection against legal liability for causing accidental injury to someone else or damage to their property. Personal liability insurance in travel policies covers legal costs and compensation if you accidentally cause injury to someone or damage their property while traveling. Key features typically include:
• 1. Bodily Injury: Covers expenses if you are found legally liable for injuring another person.
• 2. Property Damage: Covers costs if you accidentally damage someone else's property.
• 3. Legal Expenses: Covers legal defense costs associated with the claims.

It's important to review the specific terms, conditions, and coverage limits of your policy to understand what is included. SCTI also offers specialized policies, such as for annual multi-trip coverage or policies tailored for specific activities like skiing or snowboarding.

To get detailed information about their plans, coverage options, and pricing, you can visit the Southern Cross Travel Insurance website or contact their customer service directly.