Southern Cross Travel Insurance Reviews 

2,542
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Evaluating 761 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the simple online application process, noting that travel policies are affordable, competitively priced, and exceptionally easy to arrange before trips. Consumers consistently appreciate the reliable customer support, helpful staff members, and prompt claim payouts provided during unexpected travel disruptions abroad. Some reviewers were not happy with the overall claim procedure, specifically mentioning a lack of transparency regarding required documents and long waiting times for updates. A few people also felt frustrated when their reimbursement requests were denied or when they faced unexpected excess fees for minor baggage issues.

What people talk about most

Claim

Reviewers highlight ambiguous aspects of claim processes, noting a mix of exceptionally swift approvals... See more

Service

Clients share positive opinions on service, describing it as exceptionally supportive, responsive, and... See more

Price

People report positive experiences with price, highlighting that rates are affordable and competitive... See more

User experience

Users describe positive interactions with user_experience, highlighting that signing up is fast, quotes are... See more

Value for money

Reviewers express high satisfaction and appreciation for the excellent value for money provided by the... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I had a good holiday and didn’t need to worry about insurance. Going through the online system produced a quote which initially very expensive. I phoned them though and found I’d selected a bunch of s... See more

Company replied

Rated 5 out of 5 stars

The bad news was that we had to make a claim post our Fiji boat charter. The good news was that Southern Cross provided an exceptional service in responding to this claim: - the process itself was... See more

Company replied

Rated 5 out of 5 stars

Price was comparable to other providers but offered much better cover. No need to take extra cover on car hire as it was covered by this. Even covered some pre-existing conditions while travelling.

Company replied

Rated 5 out of 5 stars

We use Southern Cross travel insurance all the time. We come back all the time even when we have checked out other insurances. Lucky for us we never have to use the insurance but going overseas with... See more

Company replied


Company details

  1. Travel Insurance Company
  2. Insurance Company

About Southern Cross Travel Insurance

Written by the company

We offer travel insurance that suits how you want to travel


We know how important it is to make sure you have the right type - and level - of cover, so we have different travel insurance policies to suit different types of travel, and the ability to personalise your cover to suit you with our optional add-ons. Whether you’re heading to Fiji for some R&R, London for an OE or Queenstown to hit the slopes, we’re with you.

Single trip travel insurance

Our award-winning single trip policy provides comprehensive cover for your international holidays! Learn more

Multi trip travel insurance

If you're planning on taking several trips overseas a year, our annual policy might be a more cost (and time) effective choice for you. Learn more

Medical only cover

Designed with the budget-conscious traveller in mind. This policy provides essential medical cover for your overseas adventures. Learn more

Kiwi adventures

Designed for trips taken within NZ, this policy covers you for unexpected events like cancellations, rental vehicle excess and more! Learn more

Cover for your big OE

Quality protection designed for New Zealand travellers planning to live or work overseas. Learn more

Studying in New Zealand

Comprehensive cover for international visitors while they're living and studying here in New Zealand Learn more

Non-resident cover

This policy is designed for international visitors coming to New Zealand to holiday, to live or for work. Learn more

Written by the company

Trusted by travellers

Trusted by over 6 million travellers on their adventures worldwide+

Trusted by over 6 million travellers on their adventures worldwide+
+Based upon the total number of travellers we have insured across the markets where we operate for all our travel insurance products from January 1995 to June 2024.

Contact info

4.5

Excellent

TrustScore 4.5 out of 5

3K reviews

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4.5

All reviews

(2,542)

724 reviews in the last 12 months

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Rated 5 out of 5 stars

Pre existing condition

I was worried about a pre existing condition, I know it's not affecting my health but didn't want a potential claim turned down if I didn't declare it, but I was concerned about the effect on my premium it would have if I did declare it. I needn't have worried, after ringing southern cross they put all my fears to rest. After declaring my pre existing condition and electing not to have it covered it had zero effect on my premium.
I highly recommend Southern cross medical travel insurance.

May 18, 2026
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Reply from Southern Cross Travel Insurance

We are so pleased to hear that our team was able to alleviate your concerns regarding your pre-existing condition and its impact on your premium. Thank you for sharing your positive experience and recommendation.

Rated 5 out of 5 stars

Very easy and fast service

Very fast and easy to get a quote and sign up for insurance. Will definitely use again on my next trip

May 17, 2026
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Reply from Southern Cross Travel Insurance

We're so glad you found our quote and sign-up process easy. We appreciate your kind words!

Rated 5 out of 5 stars

Easy online quote and sign up tool

The online quote and sign up process was easy and fast with confirmation sent via email immediately. I didn't make any claims so I cannot speak for that part.

May 17, 2026
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Reply from Southern Cross Travel Insurance

We're so glad our online process was easy and fast for you. Thank you for sharing your positive experience!

Rated 4 out of 5 stars

A mostly honest review.

I could not give an entirely honest review, because I never had a need for it on this trip. The peace of mind was definitely 5 star worthy. The price was very reasonable.

May 17, 2026
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Reply from Southern Cross Travel Insurance

We're glad our service provided peace of mind, even without needing it. We appreciate your positive feedback on the reasonable price.

Rated 5 out of 5 stars

Very easy online process

Very easy online application process and the pre-existing medical conditions section was very well designed and simple to complete.

May 10, 2026
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Reply from Southern Cross Travel Insurance

We're glad our online application and medical section were easy to use. Thank you for your positive feedback!

Rated 3 out of 5 stars

The journey was well run the only…

The journey was well run the only criticism was that on the Journey from Melbourne the hand dryer on the toilet car C wasn't working and we came back a day later from Adelaide to Melbourne same car C and it still wasn't working, which I though was a bit slack at least have some hand towels available for people to dry their hands with, and the windows were dirty which lessened the experience as you spend most of your time looking out the window over the 10.5 hours travel.

May 15, 2026
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Reply from Southern Cross Travel Insurance

We appreciate your feedback. We are sorry to hear about the issues with the hand dryer and the dirty windows!

Rated 4 out of 5 stars

Never needed to claim for my trip so…

Never needed to claim for my trip so cannot make reference
Price is alway more than one would like
Service to take out policy was painless

May 15, 2026
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Reply from Southern Cross Travel Insurance

We appreciate your feedback and are glad the policy process was smooth. Thank you!

Rated 5 out of 5 stars

Claim handled quickly and without hassles.

I had to make a claim for lost eyeglasses. The claim was paid out quickly and with no hassles.

May 14, 2026
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Reply from Southern Cross Travel Insurance

We are pleased your claim was handled quickly and efficiently. Thank you for sharing your positive experience.

Rated 5 out of 5 stars

Good value for money and peace of mind..

The Southern Cross Policy was easy to understand in terms of benefits and services for two people and was the best value for money to give us peace of mind..

May 14, 2026
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Reply from Southern Cross Travel Insurance

We're so glad our policy provided peace of mind and was easy to understand. We appreciate your positive feedback!

Rated 4 out of 5 stars

no claim made

no claim made, so didn't have to find out about claims process.

May 9, 2026
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Reply from Southern Cross Travel Insurance

We're glad to hear things went smoothly for you. We aim for a hassle-free experience.

Rated 5 out of 5 stars

Easy and quick to sign up would…

Easy and quick to sign up would definitely do again

May 12, 2026
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Reply from Southern Cross Travel Insurance

We're so glad you found the sign-up process easy and quick! We appreciate your kind words.

Rated 5 out of 5 stars

Easy to sort!

Easy to sort!
All done online with no drama. Felt comfortable while away that I would be looked after should it be needed.

May 10, 2026
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Reply from Southern Cross Travel Insurance

We're so glad to hear you found everything easy and felt secure. Thank you for your kind words!

Rated 5 out of 5 stars

Booking travel insurance to Rarotonga…

Booking travel insurance to Rarotonga with SCTI was so easy via the website.
Covered scootering around the island with a very low additional charge. I think the price for both of us was better than other Companies and given Southern Cross have been around a long time, I am confident they would be great to deal with if a claim was required.

May 12, 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so happy to hear that booking your travel insurance was easy and that you found our pricing competitive. We appreciate your confidence in us.

Rated 4 out of 5 stars

Easy to apply the travel insurance…

Easy to apply the travel insurance online and smooth process to claim my medical expenses. Thanks

May 11, 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're glad to hear you found the online application easy and the claims process smooth. Thank you for your positive feedback!

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