Southern Cross Travel Insurance FAQ's
How many people can I include in my policy?
You can purchase a policy online to include up to 11 travellers.
Am I covered if I go on a cruise?
Yes, you’re covered for cruises with no additional cost. Top tip: Even if your cruise stays in Kiwi waters you’ll need to pick Australia, South Pacific as your destination.
Am I covered for skiing and my equipment?
Yes, as long as you are skiing or snowboarding within designated commercial ski areas. There is no cover for skiing or snowboarding which happens off piste, or outside of ski resort boundaries, or in areas which have been closed for any reason. There is no cover for participation in (or training for) professional skiing, individual or team skiing competitions which involve monetary prizes over $500. Your skis or snowboarding equipment are not covered if damaged when in use.
Are kids covered for free?
Yes, that’s right, kids will be covered at no added cost! Dependent children and grandchildren are included for free as long as they are under 18 years of age and not in full time employment.
Can I pay to reduce or cancel my excess?
No, you cannot pay to reduce your excess with SCTI. There is no excess on medical claims.
What additional extras are there?
You can increase your luggage cover up to $10,000 for any single item (with a maximum limit of $15,000 per journey)
Am I covered if my tour company collapses?
No, SCTI doesn’t provide protection from insolvency.
I’m not a New Zealand resident - can I buy cover?
Yes, Southern Cross have visiting new Zealand polices for people visiting on all types of visas
What size moped or motorbike am I covered to ride overseas?
You are only insured to ride a bike of up to 200cc irrespective of what’s on your license. You will not be covered unless you hold a valid license in Australia for the same class of vehicle you are operating overseas and you are wearing a helmet.
How long is their single trip cover for?
Can I extend my policy from overseas?
Having too much fun? No problem! You can extend your policy by another 12 months by contacting SCTI directly. If you have an Annual Frequent Traveller policy, no extension will be granted once the 90th day of a journey or your 'End Date of insurance' has passed. If you have a Single Journey policy, no extension will be granted once your 'End Date of Insurance' has passed.
Do they cover for my rental vehicle excess?
Yes, for up to $5,000. You are only insured for a standard model motor vehicle, motor home (designed to carry no more than 8 people including the driver) or a moped or motorcycle with a maximum engine capacity of 200cc. The vehicle must be rented from a licensed motor vehicle rental agency.
Who underwrites them?
Themselves! Southern Cross Travel Insurance.
What is their cooling off period?
Where are they based?