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Southern Cross Travel Insurance Review

Compare Southern Cross Travel Insurance policies for Kiwi travellers and visitors to New Zealand

Southern Cross Travel Insurance has policies for both Kiwis traveling or working overseas as well as for visitors coming to New Zealand for work, study or leisure. Read more about what each policy has to offer and find out if you meet the eligibility criteria.

What policies does Southern Cross Travel Insurance offer?

Souther Cross offers mainly 4 different policies for both Kiwi travellers and visitors to New Zealand:

1. Travelcare

Travelcare is Southern Cross’s standard policy available for individuals and families. You can choose between a single-trip policy, valid for 1 journey overseas and back to New Zealand, or a multi-trip policy that covers you for multiple journeys in 1 year for 30, 60 or 90 days of duration.

2. Working Overseas

If you are heading overseas on a working holiday visa or doing some temporary work abroad, this plan will ensure you are covered for unexpected events while you are away. You can choose between having medical cover only to assist when you get sick, injured or are in an accident and full cover that will also cover you for travel delays and cancellations, personal items, luggage and personal liability. The Working Overseas policy covers white collar and some manual work automatically and is for people that plan to be away for at least one month. You can purchase this policy while you are already overseas, and it includes temporary trips back to New Zealand for when you want to visit family and friends.

3. International Student

Since all students that come to study in New Zealand from abroad are required to have travel insurance, this policy provides cover for unexpected events. It includes cover for medical and evacuation expenses, personal liability, baggage and personal items, travel delays, cancellations, rental car excess, cash and travel documents.

4. Visiting New Zealand

The Visiting New Zealand insurance policy is available for those on tourist, job search or work visas as well as for those on working holiday visas and for general migrants. It provides the cover you need should something unexpected happen, so you can have peace of mind that you will be taken care of while you are away from home.

Benefits of Southern Cross Travel Insurance

  • 24/7 worldwide emergency assistance. Assistance is available at any time if you have an emergency.
  • Medical. Get unlimited medical treatment for a serious injury or unexpected event so you can get the help and care that you need.
  • Loss of income. Get cover for loss of income due to accidental injury – up to $500 per week until you are able to return to work.
  • Travel interruption. Get cover up to $30,000 within the first 30 days if your travel plans are interrupted and you are stranded overseas.
  • Baggage. Get up to $25,000 for individual policies or $50,000 for families if your luggage is damaged, stolen or lost due to an unexpected event. Up to $1,000 for delayed baggage of more than 12 hours.
  • Rental car. Get up to $5,000 for the excess on your rental car if it is damaged or stolen while on your journey.
  • Personal liability. Get up to one million dollars if you damage or cause loss to property or injure another person.
  • Travel documents. Get up to $1,000 for your passport or travel documents if they are lost or stolen.
  • Special events. If your journey to a special event is delayed as a result of an unexpected event, you are covered for up to $3,000 for alternative transport per person to make sure you get there on time.

Additional options available

  • You can increase your cover (additional fees apply) for cancelling or changing your journey before leaving New Zealand.
  • You can add skiing and snowboarding cover if you plan on hitting the slopes while on holiday.
  • You can remove the standard excess from your policy by paying an extra premium at time of purchase.
  • Valuable items can be insured for up to $10,000 per item with a maximum of $15,000 per journey.

Southern Cross Travel Insurance claims

You can start a claim with Southern Cross on their website, but you’ll need to send supporting documents to them by post, rather than upload them like other insurance companies allow.

To make a claim, you will need to complete the following steps:

  • Go to the “Make a claim” page
  • Enter your policy details
  • Explain what you are claiming for, what happened and what costs are associated.
  • Post your supporting documents such as invoices and medical reports.

Once your claim is in the system, you’ll get an email with your claim number but you won’t hear anything until your supporting documents have been received.

Who is eligible for Southern Cross Travel Insurance?

Southern Cross has different eligibility criteria for each of their policies, so it’s important to understand which one is right for you.

1. Travelcare

This policy is available to New Zealand citizens or permanent residents, Australian citizens or residents residing in New Zealand, or those living in New Zealand on a visa or permit with access to publicly funded health and disability services.You must also meet the following criteria:

  • Be traveling outside of New Zealand and intending to return at the end of your journey
  • Not be traveling overseas to obtain medical treatment
  • Be in New Zealand when you start your journey
  • Not be traveling against medical advice

2. Working Overseas

This policy is available to New Zealand citizens or permanent residents, or to Australian citizens or residents that have lived in New Zealand for at least 12 consecutive months (within the previous five years).You must also meet the following criteria:

  • Be traveling outside of New Zealand
  • Be fit to travel
  • Not be traveling overseas for medical treatment
  • Intending to return to New Zealand at the end of your trip

3. International Student

You must hold a current New Zealand student visa (or intend to) for the entire length of time you plan to stay in New Zealand.
You must also meet the following criteria:

  • Be enrolled at a New Zealand educational institution and be able to show proof of attendance if you need to make a claim
  • Not be traveling to New Zealand for medical treatment
  • Be fit for travel

4. Visiting New Zealand

You must hold a current New Zealand work visa or visitor visa.
You must also meet the following criteria:

  • Not be a New Zealand citizen or permanent resident
  • Not be traveling to New Zealand for medical treatment
  • Be fit for travel

Frequently asked questions

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