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Southern Cross Travel Insurance

Southern Cross Travel Insurance Questions & Answers

4.7 from 2,673 reviews

495 questions from our users

Georgina Weingarth

Georgina Weingarthasked

Can we cover our golf clubs and golf bags for additional cover $5,000 for 2 sets of clubs. I tried to include on your online form under personal valuable items but would not take it.
We are going to Europe away 42 days.

No answers

David L.

David L.asked

Hi Im going traveling in February next year, do you cover for 9 months?

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi David L,

Thanks for your question. We offer cover for up to 12 months!

If you have any other questions, please feel free to email us at info@scti.com.au or give us a call on 1800 196 484.

Thanks,
Pepper@SCTI


skp115

skp115asked

Hi, do you cover any additional costs where an airline decides for some reason to cancel a flight on a particular day we are to travel just citing operational reasons and I have to scramble and buy another ticket with an alternative airline last minute to make a connecting flight in 2 days time .

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi skp115,

Thanks for your question and I'm sorry for our late reply.

There's cover under the policy should you need to rebook another flight, however, if the airline is responsible for the cancellation we ask that you claim with them first before submitting a claim with us.

We'd only be able to confirm cover of the event once we've looked at and assessed a claim.

If you have any other questions, please feel free to email us at info@scti.com.au or give us a call on 1800 196 484.

Thanks,
Terina@SCTI


Jenner Carter

Jenner Carterasked

I am astonished...Just phoned you for a travel ins. Quote and you are closed at 4.16pm est.Notwithstanding that you say you are open until 5pm. Does not augur well. Jenner carter

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Jenner,

Thanks for your comment.

We operate based in New Zealand and as daylight savings began on the 29/09/2019, we have closed our Australian lines at 4:00pm AEST this week.

However, please be assured, we will be operating from 8:30am to 5:00pm AEST next week once daylight savings has started in this time zone.

If you were overseas and needed emergency assistance, we have a team that is available 24 hours a day, 7 days a week ready to help.

We are very sorry for any confusion or inconvenience this has caused.

If you have any other questions, please feel free to give us a call on 1800 196 484 or email us at info@scti.com.au

Thanks,
Terina@SCTI


Welliboots

Wellibootsasked

Hi, we've used SCTI for our previous travels and have always found them helpful. Just have one question.
We're thinking of booking a quad bike tour in Bali. Is there automatic cover for this with SCTI? I understand that we can pay extra for motorbikes / mopeds but does this include QUAD Bikes or are they already a standard inclusion?

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Welliboots,

Thanks for your question!

We don’t consider a Quad Bike to be a motorbike/moped, we consider it to be a rental vehicle.

It's important to note, you’ll only be covered to ride a Quad Bike whilst on a paved/formed roadway or car park and there’s no cover for this activity if you’re racing, being timed in a race or participating in a competition for a monetary prize.

There’s also no cover for your personal liability whilst riding a Quad Bike as it is a motor vehicle.

If you have any other questions, please feel free to email us at info@scti.com.au or call us on 1800 196 484.

Thanks,
Terina@SCTI


Julia riley

Julia rileyasked

We are travelling to England 2020 in spring return end May
Two seniors, age 78/80 we not concerned about medical, in uk.just if we can’t go on the or return dates, selected as we
Want to book soon
What would be our cover. Or is best to get annual policy. Also are you in Australia
Thank you
Julia

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Julia,

Thanks for considering Southern Cross Travel Insurance!

Cover under Section D2 – Cancelling or changing your journey before you leave begins from the moment you buy the policy. If you need to cancel or change your trip due to an unexpected event, like falling ill, you can claim for the costs under this section up to the cancellation cover amount chosen at time of purchase.

We are a New Zealand based company and sell our policies on our website to Australians going overseas.

You can get a quote, or learn more about our policy, by visiting our website: www.scti.com.au

If you have any other questions, please feel free to give us a call on 1800 196 484 or email us at info@scti.com.au

Thanks,
Terina@SCTI


GKL

GKLasked

We always use SCTI when travelling overseas & are going to Bali for the first time. Can you please tell me what your policy is for any disruption to travel due to any volcano eruptions/earthquakes.

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi GLK,

Thanks for your loyalty to our brand. Our policy provides cover for new and unexpected volcanic eruptions and earthquakes (also known as natural events) which affect your travel during your period of insurance. We expect you to seek any help, refunds or any credit you’re entitled to receive from your airline or service provider first.

However, please know that events related to Mt Agung volcano in Bali aren’t currently covered under our policy. Mt Agung is still experiencing volcanic activity, with the exclusion zone and alert level 3 remaining in place. For more information, you can refer to the travel alert on our website here: https://www.scti.com.au/travel-advice/mount-agung-bali/ or https://www.scti.co.nz/travel-advice/mount-agung-bali/.

If you have any other questions, please don't hesitate to contact us.

All the best,
Pepper@SCTI


Criste

Cristeasked

I am travelling out of Perth tonight. Can I still purchase this insurance.

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Criste,

Thanks for your question.

If you’re already outside of Australia, you won’t be able to purchase a policy with us as it must be purchased before leaving on your overseas trip.

I understand that this may not be the answer you were hoping for.

Thanks,
Terina@SCTI


Sally

Sallyasked

How do I add another pre existing medical condition to my current policy. Very happy with this insurance company over the last few years. I am 81 and travel frequently

2 answers
Barb
Barb

I’m not sure sally. It seemed easy when I did it, I followed prompts on the page. Give it a try, or call them if needed. They were very helpful when I needed to claim in the past, good luck with that, cheers Barb

Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Sally,

Thanks for your question!

If you have a policy with us, give us a call before you travel on 1800 196 484 between 8:30am to 5:00pm AEDT Monday to Friday so we can talk about this with you over the phone.

We look forward to your call!

Thanks,
Terina@SCTI


Pamela Monk

Pamela Monkasked

My husband and I have osteoarthritis and I have had 2 joint replacements but do not need any walking aids. We have both had neck surgery. Are we able to be covered for the United States of America?

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Pamela,

Thanks for your question :)

Pre-existing medical conditions, like osteoarthritis, aren’t automatically covered under the TravelCare policy.

However, you can complete a medical assessment on the third page of the application process to see if we can offer cover and at what cost.

If you have any other questions, or want to talk about this further, please give us a call on 1800 196 484 and we’ll be more than happy to help!

Thanks,
Pepper@SCTI


Veronica A

Veronica Aasked

I am 69 years and in excellent health with no medications. I am traveling to London, Paris, Ireland Scotland and Yorkshire over August/September 2019. What is the best deal you can give me?

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Veronica,

Thanks for considering Southern Cross Travel Insurance!

The quickest way to get a quote is by visiting our website: www.scti.com.au

We don’t have any promotions going at the moment, but you can always keep an eye out on our promotions page for any competitions we may be running.

If you have any further questions, or want to discuss anything further, feel free to call us on 1800 196 484 or email us at info@scti.com.au

Thanks,
Pepper@SCTI


Ben D.

Ben D.asked

Hi,
I am considering taking an annual worldwide multi-trip policy for both myself and my wife. There will be trips that we will not travel together, should we be covered in the event that either of us need a claim whilst travelling separately?
Thank you
Ben

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Ben,

Thanks for your question!

There’s cover for both of you under the Annual Multi-trip policy, even if you’re travelling separately.

However, if one of you were to fall ill and the other person wanted to travel to see them, they’ll only be covered under the Accompanying Persons benefit. The individual’s circumstances must meet the conditions of this benefit in order for cover to apply. For more information, please refer to page 14 of the Policy Disclosure Statement.

If you have any further questions or want to discuss anything further, feel free to contact us on 1800 196 484 or email us at info@scti.com.au

Thanks,
Pepper@SCTI


Chris

Chrisasked

Planning a trip to China in 2020. Am a regular traveller to Vanuatu and was once told by a doctor at the then Port Vila private hospital that SCTI have been known to direct pay costs of hospitalization without need for client to pay first and claim reimbursement. Is this correct? If so, does this service also apply in China (my next holiday destination).

2 answers
bbthefe
bbthefe

Better check with SCTI. Just call them !

Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Chris,

Thanks for your question.

If you’re admitted into hospital while you’re overseas, you, or someone acting on your behalf, would need to contact our Emergency Assistance team as soon as possible. Our dedicated team would be able to assist with the next steps, this includes dealing with the hospital directly on your behalf.

It's important to note, the TravelCare policy doesn’t cover for private medical treatment overseas where any public health care or treatment is available, whether or not that public health care is available under any reciprocal health agreement between the Australian and foreign governments.

If you have any other questions, please feel free to call us on 1800 196 484 or email us at info@scti.com.au

All the best,
Pepper@SCTI


Janice F.

Janice F.asked

We are going on our first family criuse in October. I have two questions:
1.We have to fly to our port. The flights are due 8 hour's before our ship sails. Are we covered if the flights are delayed & we miss the boat?
2. I'm looking forward to enjoying a wine with dinner, if I fell or some unlikely injury happend after said glass of wine am I still covered to see a doctor & if need be make a claim?
Thank you
Janice.

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Janice,

Thanks for your questions.

1. If your flights are delayed due to an unexpected event, the policy covers either the additional costs to continue your trip or the unused prepaid costs as a result of this delay.

2. We understand that people have a glass of wine at dinner on holiday and we wouldn't deny a claim just because you had a glass of wine. However, there will be no cover for the injury if it was caused due to being under the influence or effect of alcohol. We would go based on the medical notes from the treating doctor to determine if this injury was related to the influence of alcohol.

As the events haven’t happened yet, we’d only be able to confirm cover once we’ve looked at and assessed the claim.

If you have any other questions, you’re more than welcome to call us on 1800 196 484 or email us at info@scti.com.au

Thanks,
Pepper@SCTI


Di S.

Di S.asked

In a medical emergency that requires hospitalisation, do you provide a payment guarantee to the hospital or offer reimbursement after payment by the insured?

3 answers
NCM
NCM

Terrible that there has been no answer to this. I just crossed this insurer off my list.

Di S.
Di S.

It’s appalling! Needless to say, I have purchased travel insurance elsewhere.

Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Di,

Thank you for your question.

Please accept my sincere apologies for our late response.

In the event that you’re admitted to hospital, we ask that you or someone acting on your behalf call our Emergency Assistance team as soon as possible. They’ll be able to help out with the next steps, such as dealing with the hospital directly on your behalf.

If you have any other questions, feel free to call us on 1800 196 484 or email us at info@scti.com.au

Once again, I’m very sorry for our late response to your question.

All the best,
Pepper@SCTI


Liz B

Liz Basked

can I claim for acupuncture onboard ship for back inury...mary

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Liz,

Thanks for your question.

I’m sorry to hear about your back injury and I hope you’re okay.

There’s cover under the policy if you’ve received specialist treatment overseas, however, you’ll need to provide us with a written referral letter from a GP alongside the other documents needed for a claim.

You can submit a claim on our website: https://www.scti.com.au/claims/make-a-claim/

If you have any other questions about your claim, you can call us on 1800 196 484 or email us at info@scti.com.au

Thanks,
Pepper@SCTI


Will L.

Will L.asked

-What is the age limit for pre existing conditions ?
-My parents are 93 and 87. If they were to get seriously ill or Die, are we covered for cancellation of trip?

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Will,

Thank you for your question and please accept my apologies for our late reply.

We do not have any age limits for a relevant person, which refers to those not named on your insurance policy like your parents.

If your parents were to pass away, get admitted into hospital/get into a hospital wing of a rest home, admitted to end stage palliative care OR receive a diagnosis for a terminal condition or condition requiring radiotherapy or chemotherapy then there would be cover under the policy should you need to cancel your trip.

Further information can be found in the terms and conditions of the Combined Financial Services Guide and Product Disclosure Statement, in particular Section D2 and D3. The meaning of ‘relevant person’ can be found in Section H of the Policy Document.

If you have any other questions about this cover, you can call us on 1800 196 484 or email us at info@scti.com.au

All the best,
Pepper@SCTI


Marg

Margasked

Can you get multi annual insurance if you are over 80 years of age?

2 answers
Ian S
Ian S

Yes.

Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Marg,

Thank you for your question and I’m sorry for our late response.

As Ian mentioned above, you can purchase an Annual Multi-trip policy as we do not have an age limit on our TravelCare policy.

If you have any questions, or want to discuss any further, you can call us on 1800 196 484 or email us at info@scti.com.au

All the best,
Pepper@SCTI


Renga Rajan

Renga Rajanasked

Hi
I am using SCTI for past three years touch wood no claim. I have a query
This time me and wife traveling different but same location ( 1week gap then i will join with my wife in fist destination) do i need to take separate travel insurance or one combined insurance for both, please clarify

4 answers
Maxwell Hardy
Maxwell Hardy

That I suspect is up to you, but my thought is that as you are travelling at a different times, to be careful of any potential problems that are covered by SCTI, I would take separate travel insurance unless you travel together.

Renga Rajan
Renga Rajan

Thanks Max, good and timely advise

Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Renga Rejan,

Thank you for your question. Please accept my apology for the delayed response.

If you and your wife are travelling at different times but to the same location, you can both still be on the same policy if you wish.

There are just a couple things you will want to bear in mind –
1) When you’re travelling separately you will only be covered up to the individual amounts under the policy. For example, under Baggage and Personal items the individual limit is $25,000 per journey whereas the family limit is $50,000. This means if you were travelling separately from your wife and you lost your suitcase you would only be able to claim up to the individual limit.

2) If one of you were to fall ill and the other person wanted to travel to see them, they will only be covered for the Accompanying Persons benefit. The individual’s circumstances must meet the conditions of this benefit to apply. For more information please see page 14 of the Policy Disclosure Statement.

If you have any further questions or want to discuss anything further, please contact us on 1800 196 484.

All the best, Pepper@SCTI


Vinod S.

Vinod S.asked

does travel insurance cover car accident say repair bills come $1000 for another car and my car $2000

1 answer
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Vinod S,

Thank you for your question.

The TravelCare policy provides cover for rental vehicle excess up to $5000. This means that when you hire a car overseas, you will need to purchase insurance from the rental vehicle company to cover the car (which includes damage to third party vehicles).

Therefore, in your example the insurance you took out with the rental vehicle company would cover the repair bills for damage to your car and the other car involved. They would then charge you an excess and you would be able to claim this back through your TravelCare policy.

If you have any further questions, please feel free to call us on 1800 196 484 or email us at info@scti.com.au.

All the best, Pepper@SCTI


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