Southern Cross Travel Insurance FAQ's
How many people can I include in my policy?
There is an ‘Individual’ and a ‘Family’ type of cover available on the Single Trip Policy and Annual Multi-Trip Policy.
‘Individual’ applies to one adult or child, or one adult and any dependent children, all of whom are named on the Certificate of Insurance. If two or more children are travelling without an adult they must have separate ‘Individual’ policies.
‘Family’ applies to two adults, or two adults and any dependent children, all of whom are named on the Certificate of Insurance.
Am I covered if I go on a cruise?
Yes, our policy automatically covers you if you’re a fare paying passenger aboard a cruise ship.
You can also purchase a TravelCare policy if the cruise is travelling around New Zealand as part of an international itinerary. For example, the cruise ship departs New Zealand and travels around the Pacific Islands, then on to New Zealand, cruising around the coast.
However, if your cruise ship is only travelling through New Zealand waters, you’re not eligible to purchase a TravelCare policy, as it covers international travel only.
Am I covered for skiing and my equipment?
You have the option to select ‘skiing and snowboarding cover’ during the application process. If you have selected this option, paid an extra premium, and have skiing and snowboarding cover confirmed on your Certificate of Insurance, then you will have cover (subject to the terms and conditions of the policy).
Are kids covered for free?
Dependent children (meaning your children, step-children, foster children, grandkids, nieces and nephews) are included for free, as long as they’re unmarried, under 17 years of age, not in full time employment and primarily financially dependent on the adult named on the Certificate of Insurance.
Can I pay to reduce or cancel my excess?
Yes, you can choose to have a $0, $100 or $250 excess on your policy. The excess you select will be confirmed on your Certificate of Insurance.
What additional extras are there?
You can personalise your policy with options to:
• Increase your luggage and personal items cover, up to $10,000 for any single item (with a maximum limit of $15,000 per journey)
• Increase cover for cancellations or changes to your journey before you leave
• Add specified personal items valued above $1,500
• Add ‘moped and motorbike cover’
• Add ‘skiing and snowboarding cover’
Am I covered if my tour company collapses?
No, SCTI doesn’t cover the financial collapse of any service provider, such as your tour company.
I’m not a New Zealand resident - can I buy cover?
Yes, you can buy cover if you’re:
• A New Zealand citizen or permanent resident
• An Australian citizen or permanent resident
• On a visa/permit which allows you to access all publicly funded health and disability services in Australia and is valid until after your end date of insurance
What size moped or motorbike am I covered to ride overseas?
You’re not covered under any section of the policy where you’re riding a moped or motorbike as a driver or passenger unless you’ve selected the optional ‘moped and motorbike cover’ during the application process. If you’ve selected this option, paid an extra premium, and have moped and motorbike cover confirmed on your Certificate of Insurance, then you’ll be covered if you’re riding a bike of up to 200cc (subject to the terms and conditions of the policy).
How long is their single trip cover for?
A single trip policy can cover journeys that are up to 12 months in duration.
Can I extend my policy from overseas?
If you have a Single Trip policy, you can extend your policy by contacting SCTI directly. If you have a Single Trip Policy, no extension will be granted once your ‘end date of insurance’ has passed. If you have an Annual Multi-Trip policy, you’ll need to purchase a brand new policy, as SCTI don’t currently offer extensions.
Do they cover for my rental vehicle excess?
Yes, for up to $5,000 per journey. You’re only insured for a standard model motor vehicle or motor home (designed to carry no more than eight people, including the driver). The vehicle must be rented from a licensed motor vehicle rental agency.
Who underwrites them?
Southern Cross Benefits Limited trading as Southern Cross Travel Insurance.
What is their cooling off period?
Where are they based?
Auckland, New Zealand.