Southern Cross International Comprehensive (Single Trip) Questions & Answers

Hi Rod. Thanks for your question. We offer an optional cruise cover add-on to our International Comprehensive policy which covers unexpected events that happen when you are taking a cruise on your journey, as per section D.13 of our Product Disclosure Statement. We recommend you check that this cover is right for your needs if you are intending on taking a cruise on your trip. Take care - Claire@SCTI.

In all my years of getting insurance(multiple different companies) it has always been the case that if you are under the influence of alcohol and something happens then they can refuse the claim. The same as if you hire a scooter in say Bali and don't have a valid motorcycle licence Australia then they can refuse any claim arising from incidents. I would call SCTI and confirm.

Hi Lyn. Thanks for your question about being under the influence of alcohol. On page 92 of your policy document, we have a general exclusion, that falls under the heading, ‘You putting yourself in danger’, number E.31 which outlines alcohol usage. We will always look at each claim on a case-by-case basis. In this situation of a fall, we would look to compare it to how likely the fall would have happened if a reasonable person who was not under the influence were to have had the fall. If the influence of alcohol and being reasonably intoxicated was the main reason the fall happened, then we would consider applying the general exclusion. Take care - Claire@SCTI.

Sorry I wouldn’t know, I’m a customer of SCTI, I don’t work for them.

Hi Nat. Thanks for your question. We don't currently offer an option to increase this amount, but we appreciate your feedback. $1 million is generally considered sufficient for personal liability. Take care- Claire@SCTI.

Thanks Claire, whilst your company has impressive reviews, I was worried that your company doesnt cover personal liability in the motorcycle/moped extra cover.

Hi Mia. Thank you for your question. If you have a receipt for the phone that is less than 24 months old, you could use this as proof of value. If older than 24 months, you can ask for a valuation from a mobile phone store. For a further explanation on providing proof of value for a specified item please call us on 1800 196 484 or use our live chat through our website. All the best, Hugo@SCTI.

Hi Kim. Thank you for your question. An excess is the amount we subtract from the claims we pay where an excess applies. For example, if a $350 claim has a $100 excess that applies, we would pay $250. Thanks, Hugo@SCTI

Thanks

Hi Bert. Resumption of journey is a benefit we offer in our Working Overseas policy. If you’re required to return to Australia as a result of an unexpected event that directly relates to a relevant person, we’ll cover your travel arrangements to resume your journey. For more information, please see page 59 of our Working Overseas policy wording. All the best, Hugo@SCTI.

Hi Mitchael. Thank you for your interest in our travel insurance :) Our policy wording suggests a receipt as an example of proof of ownership. For more information about proving ownership of secondhand items, please send us an email at info@scti.com.au or call us on 1800 196 484. Thanks, Hugo@SCTI

Yes

Hi Tasneem. Thank you for your question. Without knowing more, it sounds like this could be a pre-existing. To be sure, please read the definition of what we consider a pre-existing medical condition to be in the definitions section found at the end of the policy wording. Alternatively, you can email our service team at info@scti.com.au. All the best, Matt@SCTI

Hi Judy. Our TravelCare policy includes cruise cover without the need to select an add-on. All the same sections of the policy apply when you are on a cruise as they would on any other type of trip. We do update our policies from time to time so please check in case this changes in the future. Our policy is only intended to cover financial loss. If the quarantine in your cruise room due to being diagnosed with COVID-19 does not result in lost prepaid expenses or any additional costs, there would be no cover. If you are interested in learning more about our COVID-19 cover, here is a link to our COVID-19 FAQs: external link . Thanks, Matt@SCTI

Hi Peter and Susanne. Thanks for reaching out to get some answer for your questions. Yes, we can cover COVID-19 if you contract it while traveling. Please read these COVID-19 FAQs as they explain what we cover and the requirements you will need to meet: external link . Our International Comprehensive policy includes cover for seniors too. All the best, Matt@SCTI

Thank you for your prompt response, Much appreciated for help.

Hi Dani. Thank you for your question. We consider off-piste as skiing or snowboarding in the backcountry on unmarked or unpatrolled areas either inside or outside of a ski resort’s boundary. This can include ungroomed black runs and designated ski areas/tracks.

Hi Mani. Sorry for not providing a quick response to your email. We have sent you a response now, answering your question here as well as addressing your original email. We will be keeping an eye out for your email reply. All the best on your trip.

Hi Janny. Thanks for reaching out to ask this question. For those on the same policy, yes. For those on a separate policy, then only if the situation meets some additional requirements. You can read these in full on page 47. Essentially a traveling companion on a separate policy or a family member are what we term as a relevant person. Should a relevant person die, be admitted to a hospital, be put in end stage palliative care or be diagnosed with a terminal conditions/require radiotherapy or chemotherapy then yes you can claim on your policy for cancellation or changes to your journey. Thanks, Matt@SCTI

Thank you Matt, I'm thinking my Sister and her hubby would be considered relevant person's as our cruise was intended to be together and part of the same cruise party. More questions.... R/e Covid Is Contracting covid on ship covered for all medical and if required evacuation? Also e. g if I were diagnosed with covid before getting on ship and confirmed by a Dr, and our trip had to be cancelled can I and the travelling party /relevant person's claim any losses that is inccurred and not refundable up to the nominated amount. Janny

Mine doesn’t but I didn’t select cruises as an option

Hi Lee. Yes, our TravelCare policy includes cover for international cruises. For more information about our cruise cover, please see page 8 of the TravelCare policy wording. Thanks, Matt@SCTI

Hi Lucille. Yes, we provide medical cover and cancellation/changes to your journey cover as should you contract COVID-19 on our Innternational Comprehensive policy. However, there are requirements to this cover such as being fully vaccinated. You may find our COVID-19 FAQs helpful in understanding these: external link . Thanks, Matt@SCTI.

I just got a quote for 27 November 2022 cruising to New Caledonia and Vanuatu so not sure what happened for you Shelley.

Hi Shelley. Yes we can cover cruises to New Caledonia. When you are online and typing in your destination, suggestions should appear as you type. After entering “New”, New Caledonia should be the top suggestion.

Hi Sandra. Thanks for reaching out to understand how traveling as a group with two policies. There is only cover for others under the same policy to cancel or amend their travel arrangements overseas. The exception to this is if the affect person is considered a relevant person (a family member or a traveling companion on another policy) and that one of our four requirements apply to their situation such as being admitted to hospital. You can read more about these relevant person conditions on page 47 and 54 of our policy wording found online. Thanks, Matt@SCTI

Ok so is there a way all 5 of us can be on the one policy, what group options do you offer?

Hi Troy. You can have two adults covered under one policy and they do not need to be a couple. You are welcome to be on the same policy with your father if you are travelling together.

Hi Gambs13. Thanks for asking. Our policies can provide some cover for COVID-19. We have some FAQs on our website that will be helpful external link