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Southern Cross International Comprehensive (Single Trip)

Southern Cross International Comprehensive (Single Trip)

 Verified🏆 2026www.scti.com.au
Southern Cross International Comprehensive (Single Trip)
4.5

473 reviews

Positive vs Negative
90%10%
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Claim Resolution Time
  • <1 hour
  •  · 
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Value for Money
4.5
Transparency ?
4.5
Customer Service
4.5
5 ve  · Price was good and easy to sign up, phone response was quick and helpful
5 MrE  · Easy to get a competitive quote. Was cheaper than others for the same cover. Luckily my trip went well and I did not need to make a claim.
5 Peter  · Good pricing. Easy to follow application and set up. No need to claim. Have used other companys before but this time Southern Cross by far the best
4 Jan  · I did not to access any support on this trip, but felt confident I would be supported if needed it
5 Connie  · Clear coverage and easy to get the quote. Good and quick to get an insurance
5 Rollie R  · Coverage good for us very detailed and easy to comprehend

Reviews with attachments

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Sue C.
Sue C.
  Verified International Comprehensive

Covered everything we needed including skiing in Canada for seniors Show details ·  1

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Lisa S.
Lisa S.6 posts
  Verified International Comprehensive

I have used SCTI for over 15 years. Being on line they are very easy and quick to use - this recent trip I actually had to add an updated medical condition and I was able to speak to a consultant who assisted me. I will continue to use SCTI for future travels. Thanks Lisa Show details

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Sue M.
Sue M.VIC3 posts
  International Comprehensive

I took out travel insurance to travel to Bali. When in Bali I get on the back of scooter run by local companies. So I was looking for accident cover in case I was involved in an accident on a bike. It was very difficult to ascertain if other insurance companies covered this event but it was very easy to find on Southern Cross. Thankfully I did not need to make a claim Show details

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AAM
AAMQLD14 posts
  Verified International Comprehensive

Great Support, Easy Claim Process and Excellent Outcome – Glad I chose SCTI - not the cheapest but will now be my travel insurer of choice. Had a minor car accident in Sri Lanka while travelling and while the hire company, hire car insurers and just about everyone else there peppered me with endless phone calls and vague threats, SCTI were calm and helpful, checking on our well being and guiding us… Read more ·  1

through the claims process. Paid the hire company up front to stop the noise but had to fight to get an invoice. Once we had that and put it together with all the relevant paperwork and sent it to SCTI they did the rest. A couple of weeks later claim was paid in full. Couldn't be happier - definitely recommended.

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David R
David RQLD
  International Comprehensive

Fast and excellent service – SCTI are exceptionally easy to work with and provided very prompt, professional and caring service. Show details ·  1

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Helena G.
Helena G.VIC
  Verified International Comprehensive

SCTI (Southern Cross Travel Insurance) Exploited My Grief and Gave Me Nothing I’m writing this while still overseas after losing my grandmother—a deeply painful time that was made so much worse by Southern Cross Travel Insurance (SCTI). I paid extra for a policy that included mental health coverage, thinking I’d be protected if anything happened… Read more

while I was away. When my grandmother passed, I submitted my claim on June 16th, providing a medical certificate and explaining that I was cancelling my flight due to bereavement and mental distress.

They took two full weeks to respond—replying on June 30th, a day before my flight. No updates, no follow-up, just silence during one of the most emotionally fragile periods of my life. And when they finally replied, their message was filled with fake empathy and no actual help. It was a carefully worded non-response that felt like a stalling tactic.

Their email sounded “compassionate,” but they didn’t approve anything, didn’t offer reimbursement, didn’t even try to ease the burden. It felt like they were hoping I’d just give up and go away.

I am lucky I was flying with Austrian Airlines, who treated me like a human being. They rebooked my flight with understanding and fairness. SCTI, on the other hand, sold me mental health coverage then emotionally abandoned me when I needed it most.

This was not just poor service—it was exploitative. SCTI’s policies look good on paper, but when it comes to real support, they fail completely.

I’ve reported their handling of this to Consumer Affairs and the ACCC, and I strongly advise others to stay away from SCTI unless you want to be gaslit in your most vulnerable moments.

Southern Cross Travel Insurance
Southern Cross Travel Insurance    

Hi Helena. Thanks for your… Read more

Latest follow-ups

Dean D
Dean DVIC
  Verified International Comprehensive

Was in New Zealand when my wife was suddenly ill due to her pre-declared condition. We spent 1 day in hopsital, and had to cancel around $600 of planned activities as a result. SCTI were quick to respond and approved the claim without question.… Read more ·  1

They were also concerned about my wife's health and offered to fly us out the next day, however we already had flights booked a few days later, and she was feeling better, so we declined.

Customer support is great, and claim was approved. I always read the full DPS. Only downside is that the insurance is typically more expensive than others, but at least its not fake insurance.

 Follow-up  · 0 excess Policy covered all Worth

Meganh
MeganhNSW
  International Comprehensive
Value for Money
Transparency
Customer Service

We chose to go with southern cross travel insurance as they covered MND/ALS. Pretty much all insurance deny insurance even though I am able to still do everything myself, only my walking is slow and I tire quickly, so a wheelchair is needed. It did… Read more

cost a good chunk to add the cover but for peace of mind it was worth it. I will mention that was a recent trip to Singapore, they won't cover me for our next trip to the USA (Hawaii). I can't comment on the claim experience as in all our years of overseas travel we have never had to make one.

 Follow-up  · We went to use southern cross for our next holiday to Hawaii however they would no longer cover for MND/ALS. I still have the same requirements, no difference but obviously the country makes the difference. A little disappointed!!

mason
masonVIC7 posts
  Verified International Comprehensive

Fortunately, my trip was incident free and I did not make any claims. However, filling out everything online was exceptionally easy, and they charged a very fair price for everything Show details

 Follow-up  · To answer reader's questions, I initially found the purchase process a little tricky, but they do walk you through everything. Just answer the questions honestly, and you'll be fine. Southern Cross will e-mail e-mail policy documents to you that you can print out or save to an e-mail folder or export to your phone wallet. I cannot comment on customer support, as it was not needed this time.

In-depth reviews

Stoffel1
Stoffel185 posts
  Verified International Comprehensive

The good news. Very competitive pricing. The bad news: Their website is difficult. Mainly due to the fact that if you need a copy of the quote, it can't be done. At the end of filling in all the details, the only choice is to pay. After searching for the quote, don't log out because it disappears. Don't phone or try to get a copy… Read more

because it's a very polite reply that it can't be done.

Not much point in emailing because the quote is somewhere in the ether

I spent a total of four hours trying to get it to work on a phone or tablet.

The buttons disappear under the bottom banner, whether in portrait or landscape.

In my opinion it makes for an unpleasant experience that made me worry that the whole or organisation could be dodgy.

I do however, believe that they are a good and trustworthy organisation that is let down by an amateur website.

There must be a reason they decided to design their site that way.

I did purchase a policy anyway and to their credit the certificate and pds arrived in my email almost immediately.

So it wasn't all bad.

Southern Cross Travel Insurance
Southern Cross Travel Insurance    

Hi there, Thank you for sharing… Read more

Arul A
Arul ANSW
  International Comprehensive

We can’t thank enough SCTI for their professionalism and support in our worst moment during our recent trip. One of our family members had through review of all travel insurance policies and recommended SCTI to us and he is correct. Our extended family members all took our travel insurance with SCTI and unfortunately one of the family members… Read more

became very ill and was admitted to ICU. We contacted SCTI and they were very helpful and supportive during the whole process. Due to the complexity of sickness our claim was very lengthy but SCTI assessing officer Amiena was in contact with us during whole claiming process. We had to make few amendments to our claim, but Ameina was very helpful, understanding and very supportive and truly a customer care professional. We are very happy with the overall outcome of the claiming process with SCTI. It was a pleasant experience for us and we must state the assessing officer Ameina made it a very positive experience for us. SCTI will be out travel insurance of choice for rest of our life and we highly recommend SCTI to everyone.

Tina
TinaQLD
  Verified International Comprehensive

I can't speak highly enough of Southern Cross Travel Insurance after the incredible support they provided during what could have been a travel nightmare. When we lost our passports during our trip, I was honestly panicking about how we'd get home and handle all the bureaucratic hurdles ahead of us. From the moment we contacted SCTI, their team was… Read more

absolutely outstanding. Their support staff was knowledgeable, patient, and genuinely seemed to care about resolving our situation as quickly as possible.

The entire experience reminded me why choosing the right travel insurance isn't just about price - it's about having a company that will actually be there for you when things go wrong. SCTI proved they truly have their customers' backs. If you're looking for travel insurance that combines comprehensive coverage with genuinely exceptional customer service, I couldn't recommend Southern Cross Travel Insurance more highly. They turned what could have been a trip-ruining disaster into a manageable inconvenience.

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Recent reviews

brynp
brynpWA4 posts
  Verified International Comprehensive

Whilst overseas in 2024, I dropped my phone & cracked the screen. Got back & made a claim for the repair of the screen & SCTI were courteous and very helpful in processing & approving my claim. I've used them last year and will do so in the future. It's not an insurance policy until the claims been processed and paid - good to see others with similar positive claim experiences with SCTI. Show details ·  1

Steve C.
Steve C.2 posts
  International Comprehensive

First time using SCT for our Singapore trip, fortunately all went well and there was no need to claim but signing up and their follow up contacts were very helpful and I would sign up with them again if I were to travel. Show details ·  1

sirgibbo
sirgibboSA4 posts
  Verified International Comprehensive

Easy to do online. the medical History was straight forward to complete, luckily we didn't have cause to use it so I can not vouch for its resolution procedure. A good realistically priced travel insurance Show details ·  1

Craig I.
Craig I.
  International Comprehensive

We have taken many policies with SCTI whenever we travel. You can only rate an insurance company on cover and claims performance and SCTI have been awesome on two occasions ive needed to claim. Ill keep buying their policies Show details ·  1

Andrew
Andrew5 posts
  Verified International Comprehensive

Needed medical assistance and they expedited my claim . Also make regular checks and recommendations about my treatment. The experience with Southern Cross insurance was awesome thankyou Show details ·  1

james
jamesNSW2 posts
  International Comprehensive

First time claiming travel insurance and SCTI were quick to settle the claim, under 3 business days. The claim was for a broken pair of reading glasses. Happy outcome. Show details ·  1

Graham06
Graham06VIC10 posts
  International Comprehensive

My wife & I recently travelled to the UK. Unfortunately my wife ended up in an emergency department in London & as a result we had to cancel part of our holiday which included train from London to Paris, show in Paris, cruise down the Rhine & various nights in Europe .Due to my wife’s condition Our travel agent upgraded us to Premium Economy from… Read more

London to Melbourne initially at our expense. On arrival back in Melbourne, I completed the claim I had started when in London. The process took about a month but our claim was paid out in full including the flight upgrade for both of us. Can’t speak highly enough of the claims staff at SCTI. Would highly recommend them.

Kent O.
Kent O.
  International Comprehensive

I've used Southern Cross Travel Insurance several times now and found their prices competitive. Luckily I've only needed to make a claim once, when I missed my outbound flight due to dropping my passport on a train trip to the airport. I paid for as new flight and had no issue with Southern Cross Travel Insurance refunding me the cost of the additional flight and this was done quickly Show details ·  1

AMS
AMSVIC4 posts
  International Comprehensive

Purchasing online was simple and easy. Price was very competitive. I have not needed to lodge a claim. This is the first time I have used SCTI but I purchased for 3 family members also. Show details

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Tracey S
Tracey S
  International Comprehensive

Easy to understand online international travel insurance. Everyone in the Facebook Japan travel group raves about Southern Cross so i thought i would give them ago. You hope that you won't need to make a claim but you know exactly what you are covered for just in case. Show details

C O'Bryan
C O'Bryan3 posts
  Verified International Comprehensive

I love SCTI. I’ve always found it’s worth the money getting SCTI rather than rely on a free credit card insurance. 9 times out of 10 you’ll go on a holiday without a hitch. But when something goes wrong, trust me you want SCTI behind you. I got awfully sick the day I was meant to fly, and being able to call someone, be told I’m covered, and just… Read more

go seek the medical help you need wherever you like, and not have to jump through hoops to make sure everything was covered is exactly what you need when you’re overseas and unwell. The claim process is also extremely straightforward forward. I’d never leave Australia without SCTI.

AMBER JOY
AMBER JOYQLD
  International Comprehensive

I purchased travel and snow sport insurance for a trip to Europe.The process of purchasing travel insurance was very quick and easy, I didnt end up making any claims so I can not say as to what that process would be like. In general I am satisfied with the service I received. Show details

Warwick Houley
Warwick HouleyNSW
  Verified International Comprehensive

This policy met all requirements that we needed for our trip, it was affordable, and although I did not have to make a claim the information provided was clear and easy to understand, this is the third time I have used Southern Cross Travel Insurance. Show details

Bryan
BryanQLD2 posts
  Verified International Comprehensive

I had a medical condition and applied for Insurance for a 6 day trip to Singapore. I had no problems but it was a relief to have the backup of a good reliable very reasonably priced Insurance. I will use Southern Cross in future and recommend them. Show details

duncan
duncan
  International Comprehensive

Im happy with the service.Spent 3 days in a Thai hospital.Payout for the hospital was quick and easy. The clinic i was in for 6hrs and charged a staggering has mostly been covered. I would and will recommend Scti to fellow travellers. Show details

Andrew
AndrewTAS2 posts
  International Comprehensive

Never left a review for an insurance company before and never been happy enough to until now. I've used SCTI a few times based on reviews but never claimed until QANTAS stuffed us around, and delayed our flights home for 2 days. The reviews are correct. I was impressed with how easy it was to claim online, the speed at which it was assessed and the clarity when they explained the outcome. Show details

Francene
FranceneQLD
  Verified International Comprehensive

Quick and easy completion of form to obtain a quote including medical cover. Competitive pricing This is the second time I have had travel insurance with Southern Cross Travel Insurance. Will definitely be using again for future travels. Show details

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