Wednesday, June 22, 2022

What Does Southern Cross Travel Insurance Cover

Don't Miss

You Need To Cancel Your Trip

Travel delay cover – does your travel insurance measure up? | SCTI NZ

Domestic travel policies provide cover for lost deposits and cancellation fees if your plans come unstuck by unforeseen events. However, all of the policies had a long list of exclusions.

You wont be covered if you change your mind about travelling, need to cancel because of work commitments, or make a mistake with your booking. No policy automatically covers you for pre-existing medical problems.

Where claims are accepted, AMI and State travel policies have a cap of $10,000. The maximum entitlement under the Travel Insurance New Zealand policy is $25,000. Only AA and 1Cover provide unlimited cover for lost deposits.

Southern Cross provides unlimited cover if you cancel or change your trip before the departure date, or $50,000 if you change plans because of a unexpected event while on holiday.

None of the policies pay out if your travel or accommodation provider goes out of business. In these situations, you can ask your bank for a chargeback if you paid for the service by credit or debit card.

Southern Cross Travel Insurance Review

Summary of Southern Cross Travel Insurance

  • Looking to buy Southern Cross Travel Insurance? Our guide covers its stand out points, pros, cons and limitations.
  • Policies cost at least $400+ for a couple for 4 weeks in Europe our pricing review compares Southern Cross Travel Insurance to other popular products offered by AMI, AA and 1Cover.
  • Southern Cross Travel Insurance is widely popular, insuring thousands of New Zealanders every year who travel overseas. But is it right for you?
  • We update our example pricing every 90 days, with an extensive number of policies reviewed in our travel insurance comparison guide.Our guide covers:
  • What Types Of Travel Insurance Does Southern Cross Travel Insurance Offer

    Southern Cross Travel Insurance offers international travel insurance, with specialised policies for a single trip and an annual multi-trip. All of these fit under Southern Crosss comprehensive TravelCare policy.

    If youre 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.

    Recommended Reading: How To Obtain A Life Insurance License

    Whats Involved In Applying For Southern Cross Life Insurance

    Whether you apply online or over the phone, your application will be assessed based on the information you provide. In some cases we may be able to offer cover immediately or our underwriters may need more information from you or your doctor, in which case well be in touch.

    If you have any questions, call us on or email .

    About Southern Cross Travel Insurance

    Travel Insurance New Zealand : Southern Cross Travel ...

    Southern Cross Travel Insurance is a travel insurer that has been in operation for over thirty years and has managed to gain a great deal of popularity amongst its customers. Southern Cross Travel Insurance is part of the Southern Cross group that has been trading for even longer and has been the driving force in Southern Cross Travel Insurances success.

    Travel insurance is a very important type of insurance that can often be overlooked. It covers you personally, as well as your travel arrangements, so if your holiday is cancelled down to an error by a travel provider, you will be covered. At the same time, you are also covered for health and medical issues whilst you are abroad.

    Southern Cross Travel Insurance has a 24-hour emergency assistance cover and you get to deal with Southern Cross Travel Insurance directly as they underwrite their own policies. Southern Cross Travel Insurances products and claim procedures are all available online, so all queries can be dealt with under one roof. Southern Cross Travel Insurance prides itself in having award-winning products which give their customers that extra peace of mind when shopping with Southern Cross Travel Insurance.

    About Southern Cross Travel Insurance Homepage

    Read Also: Does Lightning Mcqueen Have Car Insurance Or Life Insurance

    When And How Do I Get My Documents

    Your policy documents will be emailed to you shortly after your application is approved. If you haven’t received them after 24 hours please call 0800 000 200.

    If you accidentally delete the email, just call 0800 000 200 and the email will be resent.

    We can also post printed documents to you on request.

    Southern Cross Travel Insurance Opening Times

    Southern Cross Travel Insurance is an online retailer that is open 24/7

    You can speak to Southern Cross Travel Insurance via phone Monday – Friday: 8.30am – 7.00pm

    What makes Southern Cross Travel Insurance stands above other similar online retailers is their brilliant customer service. They put their customers as a top priority. Their team responds in 24 hours and through various platforms like Facebook, Twitter and Email. Whatever your inquiry is, Southern Cross Travel Insurance is always there to help you!

    Don’t Miss: Delta Dental Walmart Login

    Cover For Childcare Expenses

    Its annoying when you cant get home as planned. So, if an unexpected event delays your journey home, we cover the cost of any childcare youve already booked but cant use and is not refundable. We pay up to $100 for each day and up to $500 for each paying person. This policy only covers the children receiving the care. We can cover claims if:

    • Youve booked the childcare for after the date your journey was supposed to ends
    • The childcare facility is a registered business
    • You cant get a credit or refund for your booking

    We cant cover claims for:

    • Any children that dont normally live with you at your home
    • Any daily fees you incur from the day after you return home
    • Anything under E. General exclusions things we never cover in the Product Disclosure Statement

    Weve Kept Things Simple

    Travel Insurance with SCTI

    As part of our commitment to our customers, weve created a policy document that is simple and easy to understand, so that you can be confident knowing what you are and are not covered for.

    Our policy wording has been awarded the WriteMark, a quality mark given to documents that achieve a high standard of plain language. The WriteMark shows that our policy document:

    • Has been checked against rigorous criteria
    • Is focused on the needs of the intended audience
    • Is easy to read, understand, and act on

    You May Like: Does My Insurance Cover Windshield Repair

    Am I Covered For Motor Scooters

    Whether its a motorcycle, motor scooter or moped, if it has two wheels and you plan to ride it while you are on holiday overseas, you will need to make sure you have travel insurance to cover you in the event of an accident. Insurers regard motor scooters in the same light as motorcycles and will only cover you for injuries sustained in an accident under the following conditions:

    • The motorcycle or motor scooter must be under a certain horsepower , unless you have arranged cover for a larger bike
    • You must hold a valid licence to ride it
    • The accident must not be the result of your racing, reckless or inattentive behaviour, lack of knowledge of local road rules or riding under the influence of alcohol or drugs

    Benefits Of Southern Cross Travel Insurance

    • 24/7 worldwide emergency assistance. Assistance is available at any time if you have an emergency.
    • Medical. Get unlimited medical treatment for a serious injury or unexpected event so you can get the help and care that you need.
    • Loss of income. Get cover for loss of income due to accidental injury up to $500 per week until you are able to return to work.
    • Travel interruption. Get cover up to $30,000 within the first 30 days if your travel plans are interrupted and you are stranded overseas.
    • Baggage. Get up to $25,000 for individual policies or $50,000 for families if your luggage is damaged, stolen or lost due to an unexpected event. Up to $1,000 for delayed baggage of more than 12 hours.
    • Rental car. Get up to $5,000 for the excess on your rental car if it is damaged or stolen while on your journey.
    • Personal liability. Get up to one million dollars if you damage or cause loss to property or injure another person.
    • Travel documents. Get up to $1,000 for your passport or travel documents if they are lost or stolen.
    • Special events. If your journey to a special event is delayed as a result of an unexpected event, you are covered for up to $3,000 for alternative transport per person to make sure you get there on time.

    Also Check: Pass Insurance Exam

    Southern Cross Travel Insurance On Its Biggest Hope For 2021

    New Zealands borders will have been closed for a full year by March 2021, and Southern Cross Travel Insurance says Kiwis will be excited to get out and start travelling again as soon as its safe and with COVID-19 vaccines to be offered from mid-2021, that time looks to be edging closer.

    SCTI CEO Jo McCauley says her biggest hope for the new year is to see the travel industry start to recover, and for New Zealands tourism businesses to see a much-needed boost from international travellers.

    Read more: Southern Cross Travel Insurance names new CEO

    We were pleased to hear the recent announcement regarding the possible early 2021 timing for a trans-Tasman bubble and travel to the Cook Islands, and I look forward to seeing this become a reality as soon as possible, McCauley commented.

    Since the outbreak of COVID-19, Southern Cross Travel Insurance has always maintained a long-term view while concentrating on riding out the current challenges that the lockdowns and border closures have had on the business.

    Weve always been focused on supporting our customers and serving them with relevant product and experiences, McCauley said.

    Frequently Asked Questions Regarding Southern Cross Travel Insurance

    Southern Cross Travel Insurance Promo Codes

    Where are Southern Cross Travel Insurances headquarters?

    Southern Cross Travel Insurances headquarters are in Level 44, 2 Park St, Sydney, New South Wales, 2000, Australia

    What is Southern Cross Travel Insurances phone number?

    Southern Cross Travel Insurances phone number is +61 1800 196 484

    What is Southern Cross Travel Insurances official website?

    Southern Cross Travel Insurances official website is www.scti.co.nz

    What is Southern Cross Travel Insurances Revenue?

    Southern Cross Travel Insurances revenue is $25 Million

    What is Southern Cross Travel Insurances SIC code?

    Southern Cross Travel Insurances SIC: 6411,641

    What is Southern Cross Travel Insurances NAICS code?

    Southern Cross Travel Insurances NAICS: 5242,524

    How many employees are working in Southern Cross Travel Insurance?

    Southern Cross Travel Insurance has 98 employees

    What is Southern Cross Travel Insurances industry?

    Southern Cross Travel Insurance is in the industry of: Insurance

    Who are Southern Cross Travel Insurances main competitors?

    Southern Cross Travel Insurance’s main competitors are: Columbus Direct, Direct Travel Insurance, InsuranceWith, 1Cover Travel Insurance Austra…

    What is Southern Cross Travel Insurance’s tech stack?

    The technologies that are used by Southern Cross Travel Insurance are: Google Analytics, DoubleClick Conversion, Google Global Site Tag, Impact Radius

    Who is Southern Cross Travel Insurance’s CEO?

    Southern Cross Travel Insurance’s CEO is Jo McCauley

    Also Check: State Insurance Licenses

    Southern Cross Travel Insurance Faqs

    Who is the underwriter of the TravelCare policy?

    Southern Cross Benefits Ltd trades as Southern Cross Travel Insurance . SCTI is the underwriter and distributor of the TravelCare policy.ABN 99 133 401 939 AFS Licence No 331058.

    Where to send receipts and documents for your claim?

    Once youve submitted your claim to them, they will send you an email to acknowledge they received it. This email will also let you know how long it will be before they aim to have a claims assessor contact you. If you are claiming under the Medical and Evacuation, Change to journey, or Personal accident sections, they need you to complete the Declaration and Privacy Act form. A link to the form will be included in your email.

    Cover when working or volunteering overseas

    The TravelCare policy is designed for people traveling overseas for leisure or visiting friends and family. Work, including volunteer work, which you undertake while overseas during your journey, is excluded from the TravelCare policy unless youre attending work conferences, trade fairs, business training courses, business meetings or are working in office-based work . All work, occupations, businesses, or professions are excluded under section 6, Personal Liability.

    Eligibility to purchase a TravelCare travel insurance policy?

    To be eligible to purchase a TravelCare policy, you must be:

    What all travel care insurance cover?

    What Is Plain Language

    We’re proud to be the first travel insurer in New Zealand to have its domestic travel insurance policy awarded the WriteMark.

    *$34 terms and conditions

    The price advertised is for one person aged 65 years old and under, buying a Domestic policy for three days with a $100 excess. Premium does not include any optional extra cover. For full details of what is included, please refer to the .

    • Our plans

      Don’t Miss: Is Trustage Life Insurance Any Good

      Southern Cross Travel Insurance Offers Unlimited Cover For Trip Cancellation Or Amendments For Domestic Trips Just One Of The Benefits That Helps This Brand Stand Out From Some Competitors

      Were reader-supported and may be paid when you visit links to partner sites. We dont compare all products in the market, but were working on it!

      Important:

      Please note:

      • Some policies may not be available through Finder at this time
      • Its unlikely that your policy will cover expenses from border closures

      Our Verdict

      • Southern Cross’ cover limit of $15,000 for theft or damage to your luggage and personal items in Oz was the highest sum of 10 brands we reviewed.
      • This provider offers a manageable standard excess payment of $100 for Australia-linked claims this figure was less than most partners on our site.
      • Its personal liability cover of up to $2,500,000 could meet the needs of most, but competitors such as Amex and Fast Cover do offer twice as much for their domestic cover.

      Review by our senior insurance writer James Martin

      Southern Cross Travel Insurance offers cover to travellers from Australia and New Zealand. Its comprehensive policies include cover for international and domestic travel.

      Southern Cross Travel Insurance Claims

      Making it easier for International Students – SCTI

      You can start a claim with Southern Cross on their website, but youll need to send supporting documents to them by post, rather than upload them like other insurance companies allow.

      To make a claim, you will need to complete the following steps:

      • Go to the Make a claim page
      • Enter your policy details
      • Explain what you are claiming for, what happened and what costs are associated.
      • Post your supporting documents such as invoices and medical reports.

      Once your claim is in the system, youll get an email with your claim number but you wont hear anything until your supporting documents have been received.

      Don’t Miss: Are Parking Tickets Bad

      Southern Cross Travel Insurance Has A Bunch Of Exclusions Meaning It Will Deny A Claim If You Don’t Comply

      Higher chance events:

    • Losses exacerbated by the health of a relative or business partner if that person has been hospitalised in the previous two years for a condition that was related to causing the claim, was living in a nursing home or had home care assistance, was on a waiting list, knew they needed surgery, had a drug or alcohol addiction or had a terminal illness.
    • Anything relating to prohibited activities , snow activities and moped/motorbike without additional cover.Medium chance events:
    • Bankruptcy of a travel agent, airline or any tourism service provider.
    • You break the law, or are not honest in your insurance application or claim
    • Travel booked or undertaken after a terminal illness was diagnosed
    • If you are under the influence or addicted to alcohol, solvents or drugs during the time of an incident
    • Consequential loss after an event, i.e. if you have an accident in your rental car and get a parking ticket while you wait for help, your parking ticket won’t be covered.
    • Where you don’t follow the directions or instructions given by Southern Cross Emergency Assistance in relation to an incident.
    • Loss of enjoyment which is non-financial – for example, if you get sick during a week in Fiji, you can claim medical costs but you won’t be compensated for the loss of enjoyment of your holiday.
    • Any change to your health which occurs prior to your start date of journey
    • Pregnant women over 20 weeks, and for anyone less than 20 weeks, the cover is for medical complications only
    • How Do I Make A Complaint

      If you have a complaint we are happy to discuss it. Please call us on , or email . The Customer Service team will do their best to resolve your issue straight away. However, if they can’t sort out the issue, our dedicated Customer Resolution team will take on your case.

      As provider and underwriter of Southern Cross Life Insurance, Cigna is a member of the Insurance and Financial Services Ombudsman Scheme , a free, independent service which can help settle any dispute you are unable to resolve with Southern Cross Life Insurance. You must write to the Ombudsman within three months of being notified by us that a deadlock has been reached.

      Any dispute or action relating to your policy will be determined in accordance with New Zealand law.

      IFSO contact details:

      Don’t Miss: 4-40 Insurance License

      Scti Domestic Travel Insurance Productbenefits

      · cancelling or changing your journeybefore you leave .

      · changes to journeyonce you have left .

      ·rental vehicle excess .

      ·baggage and personal items .

      The policy also provides domestic travelinsurance benefits that are popular overseas but will be newto many Kiwis including cover for domestic pet services and pre-paid childcare costs .

      Travel Insurance Is About Covering For The Unpredictable And Unaffordable

      Where to find the best travel insurance
    • Many New Zealanders take a risk and say why would I get travel insurance? I probably wont use it!. Its the probably which is the issue, and if disaster strikes, being without cover can be frightening and financially ruinous.
    • Any trip overseas exposes you to unpredictable events no one can predict the future and even safe destinations expose you to unforeseen risks.
    • Don’t Miss: Does Insurance Go Up For Windshield Replacement

      More articles

      Popular Articles