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Southern Cross Travel Insurance at a glance
- Offers 24/7 emergency assistance
- Provides end-to-end service
- Includes COVID-19 cover
- Multiple types of plans to choose from
About Southern Cross Travel Insurance
Southern Cross Travel Insurance has been helping the Australian market on their travel journeys since 2009. During that time, they’ve won several competitive industry awards, earned thousands of great customer reviews and helped people travel with confidence.
What Southern Cross Travel Insurance covers
While the inclusions may vary from policy to policy, Southern Cross Travel Insurance’s International Comprehensive policy may cover you for:
- Medical expenses, emergency evacuation and repatriation
- Hospital cash allowance
- Unexpected travel and accommodation costs if you’re not medically fit to travel
- Cancellations or changes to travel arrangements due to unexpected events
- Extra costs to attend a special event if your original plan fell through due to an unexpected event
- Theft, damage or loss of luggage and personal belongings including cash, bank cards, travel documents and more
- Costs relating to buying essential items due to baggage delays
- Personal accident or disability costs
- Personal liability
- Rental vehicle excess
- Pet boarding and childcare costs if your return home is unexpectedly delayed
- COVID-19 related expenses.
With Southern Cross Travel Insurance, you’re also able to add optional extras to your policy to give you additional cover for specific events or items. These include:
- Moped and motorbike cover
- Skiing and snowboarding cover
- Cruise cover.
Other policies available include domestic, annual multi-trip and medical-only, meaning you can compare policies to find the one that best suits your needs.
You can find the full details of the inclusions, exclusions, limits and sub-limits of a policy by reading the Product Disclosure Statement (PDS). You can also check whether a policy is suitable to your circumstances by reading the Target Market Determination (TMD).
Information accurate as of 2 March 2026.
Why choose Southern Cross Travel Insurance?
Getting travel insurance is important for every journey, and with Southern Cross Travel Insurance you can be assured that their team is available for emergency assistance 24/7, giving you peace of mind throughout your travels.
Southern Cross Travel Insurance has been on over 6 million trips worldwide (based upon the total number of travellers SCTI has insured across the markets where they operate for all their travel insurance products from January 1995 to January 2026) and know that policies aren’t a one-size-fits-all. That’s why they offer a range of policy types, cover levels and optional extras so that you can match your trip to your travel insurance. Southern Cross Travel Insurance are trusted by travellers, being recognised with local and international awards for their commitment to customers.
With a secure online portal that allows you to view your policy and make and track claims, managing your policy is easy with ‘My SCTI’.
Frequently asked questions
Does Southern Cross Travel Insurance cover pre-existing medical conditions?
While Southern Cross Travel Insurance doesn’t cover pre-existing medical conditions automatically, you may be able to get cover after completing a medical assessment and listing any medical conditions you have. They will then assess whether they can offer you cover; if they can, this may incur an additional premium if you accept their offer.
It’s also important to note that pregnancy isn’t considered a pre-existing condition and is covered automatically up to 24 weeks of gestation; however, if you’ve had pregnancy complications in the past, you would need to declare these as pre-existing conditions if you wish to have them covered. SCTI will then assess whether they can offer you cover; if they can, this may incur an additional premium if you accept their offer.
When does my Southern Cross Travel Insurance cover start?
With Southern Cross Travel Insurance, your cover will begin as soon as you purchase your travel insurance policy. You’ll then be covered until the date your journey ends or when you return to your home in Australia after a delayed journey due to an unexpected event, whichever is later.
How do I make a travel insurance claim with Southern Cross Travel Insurance?
You can make a claim by accessing the online portal and lodging your claim. Be sure to add any necessary documentation, such as receipts or police reports, to support your claim.
If you need emergency assistance, Southern Cross Travel Insurance can be contacted 24/7 through the number listed on their PDS.
What is the excess on Southern Cross Travel Insurance?
With Southern Cross Travel Insurance, you’re able to choose your excess amount. They even offer an option of having no excess on your policy. However, it’s important to understand that lowering your excess will generally increase your premium.
Does Southern Cross Travel Insurance cover hire car excess?
Southern Cross Travel Insurance automatically includes cover for rental vehicle excess in both their domestic and international comprehensive policies.
Compare today
As soon as you make any payments for travel bookings or deposits, your next step should be getting cover for unexpected cancellations. At Compare the Market, we offer a free for you comparison service that allows you to compare a variety of insurance brands – including Southern Cross Travel Insurance – in only minutes!
Compare today so you can travel with confidence.