How does Southern Cross Travel Insurance cover COVID-19?
Southern Cross Travel Insurance is one of only a few insurers we've found that offer some cover for COVID-related claims. 3 key benefits are as follows:
Medical expenses if you are diagnosed while on your journey (overseas policies only).
Pre-trip cancellation and amendment costs to change your travel arrangements if you or a relevant person are diagnosed prior to your travel.
On-trip cancellation and amendment costs if you or a relevant person are diagnosed during your trip and it's interrupted or cut short.
There are some scenarios that are not covered and you should review the Southern Cross Travel Insurance product disclosure statement (PDS) before making a decision on whether this cover meets your needs. A major exclusion to be aware of is that you must be fully vaccinated to be covered for COVID-19 expenses.
Other COVID-19 exclusions include:
Travel to a destination that Smartraveller has rated a "Level 3" or "Level 4".
Costs related to lockdowns or government restrictions.
Costs related to any pause to quarantine-free travel.
In total, Southern Cross offers 5 travel insurance policies. These are: Domestic, International Medical Only, International Comprehensive (Single Trip),International Comprehensive (Annual Multi-trip) and Working overseas. Here are some of the main insured events a policy can cover you for:
Domestic
International Medical Only
International Comprehensive Single Trip
International Comprehensive Annual Multi-trip
Working Overseas
The insurance is issued by Southern Cross Benefits Limited, trading as Southern Cross Travel Insurance.
The cooling-off period is 14 days which means you can change your policy or cancel within this period, and Southern Cross will refund your premium in full. The excess is the amount you usually need to pay when you make a claim, but with Southern Cross, you can choose to remove your excess for a higher premium.
Here's a breakdown of Southern Cross Travel Insurance features
Here are some of the main policy benefits to help you find out if Southern Cross Travel Insurance can provide the right cover for you.
Baggage and personal items
Cancelling or changing your journey before you leave
Cash, bank cards, travel documents and passports
Changes to your journey once you have left
Delayed journey to a special event
Emergency dental treatment
Medical and evacuation
Personal accident
Personal liability
Rental vehicle excess
Optional add-on
For more flexibility, Southern Cross Travel Insurance gives you the option to add extra cover to your policy. This can be done after you select your level of cover.
Taking any valuables? If the value of any items you're taking exceeds the limits of your policy, you can opt for specified items cover.
Going skiing or snowboarding? Get additional cover to be protected for gear damage or the medical expenses incurred if you injure yourself on the slopes. You'll need to wear a helmet or you might void your policy.
Taking a cruise? If you're taking a cruise, select additional cover to protect yourself. You'll need to make sure you've included all the destinations your cruise is visiting on your policy.
Riding a moped or motorbike? Get additional cover to protect yourself and your bike in case the unexpected happens. SCTI will only cover incidents involving bikes under 200cc.
Exclusions
Like all insurers, there are a few situations you won't be covered for under your travel insurance policy. Southern Cross Travel Insurance will not generally provide any cover in the following situations:
Other exclusions which could apply to a COVID-19 claim include:
Medical evacuation because of COVID-19
Travel to a destination that Smartraveller has rated a "Level 3" or "Level 4" due to COVID-19
Costs related to lockdowns or government restrictions owing to COVID-19
Make sure you read Southern Cross Travel Insurance's PDS for a full list of situations that won't be covered.
How to make a Southern Cross Travel Insurance claim
Making a claim with Southern Cross Travel Insurance is easy and the whole process can be done online. Remember to keep any supporting documents such as receipts, medical notes or police reports to help your claim go through smoothly.
Head to https://www.scti.com.au/claims/make-a-claim
Enter your policy number, email, full name and date of birth to log in
Complete your claim details by answering all sections
Upload any supporting documents relevant to your claim
Submit, then your claim should be processed within 10 business days
Here's the bottom line about Southern Cross Travel Insurance
Southern Cross offers 4 straightforward policies with enough customisation and flexibility to suit most travellers. You'll find generous limits for theft or damage to your belongings, dependent children up to the age of 21 covered for free and the ability to extend your cover if you decide to stay overseas longer. All features that you don't find every day with other insurers.
Where Southern Cross Travel Insurance falls short is with certain exclusions in its policies. There is no cover for cruises that stay in Australian waters or pregnancy after 24 weeks. While Southern Cross does have COVID-19 cover, it comes with more restrictions than other insurers, including the need to be fully vaccinated.
The age limit for Southern Cross Travel Insurance's policy is 118.
SCTI's PDS does not list automatically included pre-existing conditions. It's best to declare everything at the time of policy purchase and fill out a medical assessment, so SCTI is aware of your medical conditions.
If your condition isn't automatically included, SCTI can use the medical assessment to consider your cover and any applicable premium costs.
Yes, Southern Cross Travel Insurance covers kids for free but they must be "dependent children". This means they need to be under 21 years old at the start date of your policy. Children include your direct kids, can be stepchildren, foster children and even grandchildren.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 695 Finder guides across topics including:
Do any insurers / policies cover cancellation costs resulting from the financial failure of a service provider?
Thanks
Finder
RichardDecember 21, 2015Finder
Hi Mike,
Thanks for you question. There are some travel insurance brands that will cover financial default. You can see a list of insurers and compare them from our guide on how to get travel insurance for insolvency.
Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
NoelDecember 2, 2015
I had a heart attack some 14 years ago,valve replacement stents and by pass 8 years later can you suggest a suitable policy for a 14day trip to miami
Finder
RichardDecember 2, 2015Finder
Hi Noel,
Thanks for your question.
Many providers will assess your pre-existing condition at the time of application. As these providers offer cover on a case-by-case basis there is no guarantee you will be granted cover. You can get your quotes for travel insurance that considers all pre-existing medical conditions. Read our review of the insurer or go directly to their website to get a quote.
Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
WalterSeptember 8, 2015
Is snow skiing covered by Southern Cross
Finder
RichardSeptember 8, 2015Finder
Hi Walter,
Thanks for your question. It’ll depend on your policy but generally SCTI’s travel insurance provide comprehensive coverage for ski or snow trips.
I hope this was helpful,
Richard
leah84July 16, 2015
I am going to Thailand. I want to make sure that I will be covered if there is a natural disaster- accom transport food etc like the bali ash cloud or tsunami. Also if I go to the markets and my bag is stolen or cut open like they do. Does my money get replaced? I think those are my main concerns
Finder
RichardJuly 17, 2015Finder
Hi Leah84,
Thanks for your question. finder.com.au is a comparison service and not an insurer. What you are or are not covered for will depend on the policy and the insurer.
I hope this was helpful,
Richard
lanaJuly 7, 2015
I need to know , if by taking travel insurance, i need to cancel my trip and my flights,because of someone very close in my family might get very ill(dying), before a few days need to go on the holiday!
Finder
RichardJuly 8, 2015Finder
Hi Lana,
Thanks for your question. It depends on the insurer and the person who is ill. Insurers will generally have conditions around the age of the person who is sick and also whether it is a pre-exiting condition. Your best bet would be to contact your insurer for clarification.
I hope this was helpful,
Richard
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Do any insurers / policies cover cancellation costs resulting from the financial failure of a service provider?
Thanks
Hi Mike,
Thanks for you question. There are some travel insurance brands that will cover financial default. You can see a list of insurers and compare them from our guide on how to get travel insurance for insolvency.
Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
I had a heart attack some 14 years ago,valve replacement stents and by pass 8 years later can you suggest a suitable policy for a 14day trip to miami
Hi Noel,
Thanks for your question.
Many providers will assess your pre-existing condition at the time of application. As these providers offer cover on a case-by-case basis there is no guarantee you will be granted cover. You can get your quotes for travel insurance that considers all pre-existing medical conditions. Read our review of the insurer or go directly to their website to get a quote.
Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
Is snow skiing covered by Southern Cross
Hi Walter,
Thanks for your question. It’ll depend on your policy but generally SCTI’s travel insurance provide comprehensive coverage for ski or snow trips.
I hope this was helpful,
Richard
I am going to Thailand. I want to make sure that I will be covered if there is a natural disaster- accom transport food etc like the bali ash cloud or tsunami. Also if I go to the markets and my bag is stolen or cut open like they do. Does my money get replaced? I think those are my main concerns
Hi Leah84,
Thanks for your question. finder.com.au is a comparison service and not an insurer. What you are or are not covered for will depend on the policy and the insurer.
I hope this was helpful,
Richard
I need to know , if by taking travel insurance, i need to cancel my trip and my flights,because of someone very close in my family might get very ill(dying), before a few days need to go on the holiday!
Hi Lana,
Thanks for your question. It depends on the insurer and the person who is ill. Insurers will generally have conditions around the age of the person who is sick and also whether it is a pre-exiting condition. Your best bet would be to contact your insurer for clarification.
I hope this was helpful,
Richard