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Southern Cross Travel Insurance

Southern Cross Travel Insurance Questions & Answers (page 2 of 25)

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493 questions from our users

Kerry S.

Kerry S.asked

Are quad bikes covered in bali?

2 answers
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Kerry S,

Thanks for your question.

Moped and motorbike cover can be added to your TravelCare policy when purchasing. Please see section D9 on page 34 of the Product Disclosure Statement for more information.

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

Thanks,
Pepper@SCTI

mossie
mossie

Kerry S
Sorry cannot confirm an answer for quad bikes. However I see SCTI has answered for you.
mossieaxe


John.H

John.Hasked

If you are admitted to ships hospital or another hospital will SCTI pay direct to the hospital or are we expected to pay up front first and get refunded later

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

Hi John.H,

Thanks for your question.

If you were admitted to hospital we would ask you to call our emergency assistance team who are available 24/7. They will let you know if you should pay for the costs and claim for reimbursement or if they will pay the hospital directly.

All the best,
Pepper


Alyssa...

Alyssa...asked

If I injure myself while overseas on a working hoilday does insurance cover loss of income ?

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

Hi Alyssa,

Thank you for your question.

Our TravelCare policy is designed to cover leisure-based travel. This means that we wouldn’t cover you while you were working and you wouldn’t be covered for loss of income. I understand this may have not been the answer you were hoping for.

All the best,
Pepper@SCTI.


yarra36

yarra36asked

hello there,
I have a quick question regarding travel in the future, I have just found out my mother is ill and we are not sure if she will have 12 weeks or 12 months. Does your travel insurance cover if there is a death in the family just prior to travel. It is all booked and payed for just now and I'm not sure what to do

2 answers
Val
Val

Hi Yarra36. I suggest to call insurance directly and discuss your specific needs with them

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

Hi Yarra36, I’m very sorry to hear that your mother is ill – our condolences go out to yourself and your family. Our TravelCare policy offers cover for cancellation or alteration of your trip if due to an unexpected event you are unable to travel. This means if an immediate family member of a policy holder was to pass away unexpectedly before they were due to travel, there would be provision to cover their cancellation or alteration costs. If you have any more questions or would like to discuss this further, please give us a call on 1800 196 484 or email us at info@scti.co.nz.
All the best, Pepper@SCTI.


LM Newcastle

LM Newcastleasked

Hi, we are travelling to Canada & Alaska end April to mid May this year. I was wondering if your company covers pre existing conditions a my husband has had aortic valve replaced 2 years ago & has a pacemaker. His heart specialist seems to think he I ok to travel & we only see him in another 12 months. I have taken out travel insurance with another company but wondered you cover this can we pay an extra for this condition. We were recommended to you by a friend who uses you for their travels & her husband has a heart condition. Thanking you in anticipation of an early reply. Yours sincerely LMG

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

Hi LM Newcastle, to determine whether we could cover your husbands pre-existing condition, we would need you to first complete a medical assessment online. To do this you will need to go through the quote process on our website www.scti.com.au where you will be asked to complete a medical assessment (you can do this without having to purchase a policy). If you have any questions or concerns feel free to give us a call on 1800 196 484 or email us at info@scti.com.au. All the best, Pepper@SCTI.


Jenny96

Jenny96asked

I am intending to purchases your policy but I have a concern. In your PDS it states that:
If all or part of any valid claim is covered by another source,including any travel, sickness, accident, health, or income protection insurance policies, banks and/or credit card providers, or you are eligible to receive any refunds, credits, rebates or discounts, then you must provide us with those details and we will only pay or reimburse the difference. If you can claim against anyone else, you must claim against them first before we will consider covering the difference. This condition does not apply to Section D6 Personal accident.
I will qualify for cover with my complimentary credit card Travel Insurance and contacted them regard this statement. They stated that as part of every claim they ask if there is other cover and where one has been purchased they consider that as the primary cover that must be used first. I do not want to be stuck in some legal stoush between two companies. What happens in this situation.

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

Hi Jenny96, apologies for the delay in responding to your question. In order to help you with this question we need to gather a bit more information from you, so could you please give us a call on 1800 196 484 or email us on info@scti.com.au. We look forward to hearing from you, Pepper@SCTI.


Petronella

Petronellaasked

Hi, would like to get travel insurance for our trip to Bali in 2 weeks, are travel delays to and from Bali still covered or are any incidents involving Mount Agung not insured?

2 answers
Petronella
Petronella

I was told by email, that my answer was on the website, but it is inconclusive and I would like someone to please clarify the issue, thank you

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

Hi Petronella,

Apologies for the delay in responding to your question. At the moment, Mount Agung is still erupting and an alert level 3 remains in place. This means there is no cover for any events relating directly or indirectly to this volcano. Our underwriting team have published the following information about this on our website here:
https://www.scti.com.au/travel-advice/mount-agung-bali/

All the best,
Pepper@SCTI


Happy

Happyasked

Looking for travel insurance cover for pre existing cancer

2 answers
Southern Cross Travel Insurance
Southern Cross T.Southern Cross Travel Insurance

Hi Happy,
Thanks for getting in contact with us. We need a little bit more information before we can answer your question, so could you please give us a call on 1800 196 484 or email us on info@scti.co.nz.
We look forward to hearing from you, Pepper@SCTI.

Martin
Martin

Sorry unable to help as the pre-existing condition was not cancer, or cancer related


Mary D

Mary Dasked

Want to get a quote

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

Hi Mary,
Thanks for getting in contact with us. You can get a quote by visiting our website www.scti.com.au.
All the best, Pepper@SCTI.


Pammyflo W

Pammyflo Wasked

do you cover for medical assistance if injured overseas and need to be brought back to Australia. Hence nursing care to come back?

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

Hi Pammyflo W,
Our TravelCare policy includes unlimited Medical and Evacuation cover for unexpected events that arise on your journey. So if you have an unexpected medical emergency overseas, you or someone acting on your behalf will need to call us as soon as possible so we can confirm whether you’re covered. Once your cover is confirmed, we can evacuate you back to Australia or another country for treatment, if necessary.
If you have any more questions, please feel free to email our team at info@scti.com.au.
All the best, Pepper@SCTI


Trudy

Trudyasked

How old do you cover for multi annual travel insurance?

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

Hi Trudy,
Thank you for your question. We have no age limit for our Annual-Multi Trip policy, so all ages can purchase this policy.
Safe travels, Pepper@SCTI.


Dawn

Dawnasked

Hi
We are Aust. citzens been travelling in USA for 10 months. Our travel insurance expires 25 Jan. 19. We want to stay another 12months which our visa will allow. Can we get another 12months travel insurance without having to go back to sydney.?

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

Hi Dawn,

Thank you for your question. Our TravelCare policy can only be purchased for a maximum of 12 months, so we would not be able to extend your policy for another 12 months. Please give us a call on 1800 196 484 so we can discuss your options with you.

We look forward to hearing from you, Pepper@SCTI.


Aygeebee

Aygeebeeasked

Hi STCI
I saw my GP in October about possible High BP after some readings of 150-160/80-90. Following tests it became clear that the issue was with my job (secondary school teacher) as when I was on a day off my hourly readings were 120/80 and completely normal. He stated that I was NOT hypertensive and I do not have any medication or future follow up. Should I declare this as a “pre existing medical condition” because tests were done by my GP in October following the high readings?

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

Hi Aygeebee,
Thanks for your question. We need a little bit more information before we can answer this one, so could you please give us a call on 1800 196 484 or email us on info@scti.com.au.
We look forward to hearing from you, Pepper@SCTI.


Mulloes

Mulloesasked

Hi. I want to know why a pre existing condition is not covered? I had a liver transplant 13 years ago and have since been as healthy as a the day I was born. My specialists always say I'm right for 4 months. I have traveled overseas on a few occasions and find travel insurance a bit of a con. You are happy to take customers money, but have all these "we won't pay out on this and that " type all through your pds. I really don't know why you are in business, only to rip people off. There needs to be royal commission into travel insurance. Thanks, I've got that off my chest!

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

Hi Mulloes,
Thanks for getting in touch. Would you like a member of our team to give you a call to talk you through why your condition isn’t covered?
If so, please send your phone number and a convenient time to call to info@scti.com.au.
Pepper@SCTI.


Rishi S

Rishi Sasked

I've going overseas from Australia for a about a month and covering 2 countries before I get back to Australia. Can I get travel insurance only for my duration of stay in the first country, and NOT the second?

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

Hi Rishi,

Thank you for your question.

Our TravelCare policy can provide cover for multiple destinations. You'll just need to ensure the dates you enter when getting a quote cover the entire duration of your overseas journey, and that you enter ALL the countries you'll be visiting.

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

Thanks,

Katie@SCTI


wiley

wileyasked

if insured with you and passed away overseas would body be returned home under your insurance

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

Hi Wiley,

Thank you for your question.

Yes your body would be returned, provided the death is not arising from, related to or associated with a terminal condition. Please see section D1.6 on page 14 of the Product Disclosure Statement for more information.

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

Thanks,

Katie@SCTI


Kathy

Kathyasked

In the event of hospitalisation overseas does SCTI pay for all costs directly to the hospital and doctors fees .?
Kathleen
.
.

3 answers
Murray Stones
Murray Stones

Sorry i am not sure all i know is they were great with my situation.

hellie53
hellie53

They must settle all accounts direct. All hospitals we used were chosen by SCTI. We have been home just on a month and no accounts have come to us. I was in 3 hospitals across South America, and air lifted with a medical team X3 times, and initial transfer was X3 different modes of transport, all coordinated by SCTI. Again no accounts. My wife lodged receipts from the stay outside of what SCTI had paid for accommodation, and that also was refunded, eg taxis to and from hotel to hospital to support me. They have been great.

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

Hi Kathleen,

Thank you for your question.

If you had to visit a hospital overseas due to an unexpected event, you or someone acting on your behalf must contact our Emergency Assistance team as soon as possible.

They'll be able to review your claim, organise emergency evacuation if necessary, provide the hospital with a payment guarantee so you don’t have to pay up-front (subject to you meeting the terms and conditions of your policy), and keep your family back home informed of your situation.

If you would like to discuss this in more detail, you're welcome to give us a call on 1800 196 484 or email us at info@scti.com.au. We would be more than happy to help.

Safe travels,

Katie@SCTI


Porsta D

Porsta Dasked

Hi. I am travelling to Costa Rica next year. What are your conditions regarding missed connections. Is there a specified transit time you need to have before it is covered for missed connections? Also does it matter if the flights are on a different ticket? Look forward to hearing from you.
Regards
Margaret

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

Hi Margaret,

Thank you for your questions. Please find answers to these below:

1. What are your conditions regarding missed connections?
If you miss a connection due to an unexpected event, and you're delayed overseas for more than 12 hours, we'll pay or reimburse you for either your additional costs OR any unused prepaid costs. You can find the conditions of cover on page 19 of our policy wording under the heading 'Travel interruption'.

2. Is there a specified transit time you need to have before it is covered for missed connections?
We ask that you allow a reasonable amount of time between flights to ensure you can make the connection but there is no specific time. We recommend you check with your airline to get a recommendation on how much time to allow between flights.

3. Does it matter if the flights are on a different ticket?
No. It's worth noting that if you do miss a flight, you'll need to submit a claim through your airline in the first instance, as they may be able to offer you a refund or credit note.

If you would like to discuss this in more detail, you're welcome to give us a call on 1800 196 484 or email us at info@scti.com.au. We would be more than happy to help.

Safe travels,

Katie@SCTI


Jim

Jimasked

I'll be travelling for five months. My first two months are in the UK that has a reciprocal health cover with Australia. I don't need cover. My next three months are in the USA and Belize where I do need cover. I would like to take the annual multi trip policy. Also, am I covered if I'm working while there?

5 answers
Pete
Pete

Sorry not sure I have only used this for holidays ,they are very approachable drop them an email

Pedro
Pedro

Hi Jim, Best to give them a ring on 1800 196 484

Brenden
Brenden

Hi Jim, A couple of things to consider. Travel insurance covers more than just medical so having reciprocal health cover might not be a full reason to not take out cover. Also reciprocal health cover is basic cover only (bit like Medicare). I would check carefully that you are covered for recreational accidents (i.e. skiing injury).


Justin L

Justin Lasked

Hi there, my girlfriend and I are looking to purchase a policy with SCTI; however, my girlfriend a currently holding a temporary Graduate Visa; i.e. Australian resident for tax purpose but with NO Medicare Card. She does have a private health insurance policy with Medibank. Is she eligible for applying SCTI policy, as stated in your PDS Section A4 - "You can only get cover yunder this policy, if you are: ... c) on a visa or permit which allows you access to all publicly funded health and disability services in Australia and is valid until after your end date of insurance"?
Thank you,
Justin

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

Hi Justin,

Thanks for your question.

Unfortunately we don't have a policy that your girlfriend is eligible, as she isn't eligible for all publicly funded health and disability services in Australia.

We understand that this may not be the answer you were hoping for, however, for alternative insurance options you may wish to try the Insurance Council of Australia (http://www.findaninsurer.com.au) or the NIBA’s website insurance broker (http://www.needabroker.com.au).

Safe travels,

Katie@SCTI


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