Southern Cross Travel Insurance Reviews 

2,536
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.

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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Asks customers to review

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4.5

All reviews

(2,536)

718 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Piece of mind

We had piece of mind knowing we were covered in case of some sort of disaster while on holiday
I have Health Insurance through your company so was a natural continuation.

June 23, 2026
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Reply from Southern Cross Travel Insurance

We're so glad to hear that our coverage provided you with peace of mind during your holiday. We appreciate your continued trust in our services!

Rated 5 out of 5 stars

Insurance

Easy to apply, competetitive rates, gave us the appropriate cover for peace of mind.

June 24, 2026
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Reply from Southern Cross Travel Insurance

We're so glad we could provide you with competitive rates and the appropriate cover for your peace of mind. We appreciate your feedback!

Rated 4 out of 5 stars

Easy to purchase online

Easy to purchase online

June 24, 2026
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Reply from Southern Cross Travel Insurance

We are so pleased to hear that your online purchasing experience was easy and convenient. We appreciate your positive feedback!

Rated 5 out of 5 stars

We use Southern Cross travel insurance all the time

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 the knowledge that you have a good insurance is the best thing what you can do.

June 24, 2026
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Reply from Southern Cross Travel Insurance

We are so pleased to know you consistently choose us for your travel insurance needs. It's wonderful to hear that having our coverage provides peace of mind for your overseas trips. Thank you for your continued trust!

Rated 5 out of 5 stars

We made a claim due a flight delay…

We made a claim due a flight delay which meant we missed all our connections and had to stay and extra night in USA.
I provided all receipts and they made the process so easy and streamlined and the refund came through quickly. I was relieved and will definitely use SCTI for future travels.

June 16, 2026
Unprompted review
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Reply from Southern Cross Travel Insurance

We're so glad we could assist you efficiently after your flight delay and missed connections. We appreciate you sharing your positive experience and look forward to helping you with future travels.

Rated 5 out of 5 stars

Very helpful and truly trustworthy…

Very helpful and truly trustworthy insurance partner. When parent had a medical sitiation, they helped us in all ways to provide us assistance to get rid of difficult sitiation. Truly amazing experience.

June 19, 2026
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Reply from Southern Cross Travel Insurance

We are glad we could assist your family during a difficult time. Your kind words mean a lot to us, and we appreciate you sharing your positive experience.

Rated 5 out of 5 stars

Convenient, service & price

Price was very reasonable. Service was really great.

June 23, 2026
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Reply from Southern Cross Travel Insurance

We're so glad you enjoyed your experience with us. We appreciate your kind words about our service and pricing.

Rated 5 out of 5 stars

Hassle free and fair

Hassle free and fair

March 19, 2026
Unprompted review
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We appreciate your kind words. We are glad you had a positive experience.

Rated 5 out of 5 stars

Great peace of mind

We didnt need to use the insurance but the application was easy, the cost fair and it gave us good pece of mind

June 22, 2026
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Reply from Southern Cross Travel Insurance

We're happy to hear our application process was easy and provided peace of mind. We appreciate your positive feedback!

Rated 5 out of 5 stars

Travel to the USA

I have no reason to think Southern Cross was or wasn’t a good travel buddy because my 5 week trip to the USA was without incident.

June 21, 2026
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Reply from Southern Cross Travel Insurance

Hi there. We're glad your 5-week trip to the USA was without incident. We appreciate you sharing your experience with us.

Rated 5 out of 5 stars

Easy as 1,2,3

Website is easy to use. You can flip between different cover options which show you cost + benefits and the table reference makes it easy to see the type of cover you need. I compared the cover and cost with other insurance providers and SC came out on top.

June 21, 2026
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Reply from Southern Cross Travel Insurance

Hi Alisha. We're so glad our website made it easy to find the right cover and that we offered the best value. Thank you for your kind words!

Rated 5 out of 5 stars

Well priced

Well priced, very straight forward. Clear emails during policy period and afterwards. Did not have to claim.

September 1, 2025
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Reply from Southern Cross Travel Insurance

We're so glad to hear you found our pricing fair and our communication clear. Thank you for your positive feedback!

Rated 5 out of 5 stars

Would use again. If your initial quote seems off phone then.

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 stuff I didn’t actually need. If you struggle with the way things are written (why I married a lawyer lol) the online booking can be a little tricky. Call centre were very kind sorting it all out though.

June 15, 2026
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Reply from Southern Cross Travel Insurance

We're glad to hear you had a good holiday and that our call centre team could assist you in getting the right coverage. We appreciate your feedback on the online system.

Rated 5 out of 5 stars

Peace of mind and easy to get my policy…

Peace of mind and easy to get my policy sorted over the phone with questions asked by your 'Team to ensure i had all the bases covered.

June 15, 2026
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Reply from Southern Cross Travel Insurance

We're so glad our team could provide peace of mind and ensure your policy was sorted efficiently. Thank you for your kind words!

Rated 4 out of 5 stars

Fine

this is based purely on the ease of signing up and being processed. very easy, no problems. however i haven’t had to make any claims so don’t know what the other end of the insurance process looks like.

June 17, 2026
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Reply from Southern Cross Travel Insurance

We're glad to hear that signing up was easy for you. We aim for a smooth process and appreciate your positive feedback.

Rated 5 out of 5 stars

Trip to Hawaii…

Response to queries was prompt and great follow up.

June 17, 2026
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Reply from Southern Cross Travel Insurance

We are glad we could assist you.

Rated 5 out of 5 stars

Southern Cross Travel Insurance has…

Southern Cross Travel Insurance has the most comprehensive cover from my research. Signing up is easy.

June 17, 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so glad you found our cover comprehensive and the sign-up process easy. Thank you for your kind words!

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