Southern Cross Travel Insurance Reviews (Does Southern Cross Travel Insurance Cover Cruises)

Are you looking for a comprehensive Southern Cross Travel Insurance reviews, or are you among those asking does Southern Cross Travel Insurance cover cruises? If so, then you’ve come to the right place. Here, we offer you information to give you a better understanding of Southern Cross Travel Insurance Reviews that will enable you to decide if it’s the right option for you.

When it comes to travel and tours, it is usually best to get yourself an insurance policy that will help you overcome a lot of unforeseen challenges. But when you are covered by good insurance coverage, you won’t be scared of anything. This is why this article would be very interesting to you to find out whether or not this company is good for you to begin with.

About Southern Cross Travel Insurance

Regarding travel insurance, everyone wants the best coverage for their money. Southern Cross Travel Insurance is an Australian-based provider of travel insurance and services, underwritten by Southern Cross Benefits Ltd, that offer competitively priced plans with a variety of options for the maximum age of 119 years.

The insurer offers both domestic and intentional cover. To be eligible for domestic coverage, you must live in Australia permanently, qualify for a Medicare card, and travel more than 100km.

The domestic policy covers the following: rental vehicle excess, baggage, and personal items, hospital cash allowance, childcare expenses, funeral expenses, personal accidents, changes to your journey, cancellations, hospital expense for loved ones, pet services, and personal liability.

The international cover comes in two ways. The international single-trip policy covers one-off trips, and the international annual multi-trip option covers trips for up to 90 days. The latter is suitable for those that travel more frequently.

Both international trip policies are suitable for both individuals and families. These policies cover the following: medical costs and evacuation, travel documents, pet services, rental vehicle excess, personal accidents, personal liability childcare expenses, trips cancellation or changes, or after leaving, baggage and personal items, cash, bank cards, and passports,  and optional cover for cruises, motorbikes, mopeds, including skiing and snowboarding.

These policies can cover young adults from 18 to 21 years and depend on children under 18 if some conditions are met.

Southern Cross Travel Insurance Reviews

Some of the positive reviews about the Southern Cross travel review are as follows:

• Offers good value for money: The insurance policies are dependable, and the cost is equivalent to the offer’s value. It is one of the most affordable insurance compared to other Australian travel insurance. One customer in a review section said that he was able to get a great deal on his travel insurance and was very pleased with the coverage he got. He found that the process was easy to understand, and he was able to get an instant quote.
• Excellent Customer Service: Southern Cross travel insurance offer proactive, friendly, and efficient customer service that helps you to connect and deal better with the company.
• The claim process is easy and quick: The claims process at Southern Cross travel insurance is quick and easy. Once approved, money will be disbursed into bank accounts quickly.
• Transparent policies: The travel insurer’s travel policies are transparent, and points are awarded, which is easy to understand.

Customers seem satisfied with Southern Cross Travel Insurance, and most reviews mention the ease of use and excellent customer service. They also appreciate that the plans are competitively priced and offer great coverage.

Pros and Cons Of Southern Cross Travel Insurance

Here are some pros and cons associated with Southern Cross Travel Insurance:

Pros:

• 24/7 emergency assistance: The company provides round-the-clock global emergency assistance to policyholders, ensuring you can access help and support whenever needed. This can be particularly valuable in medical emergencies or travel disruptions.
• High medical coverage limits: Southern Cross Travel Insurance typically offers high limits for medical expenses coverage. This can be crucial, especially in countries with expensive healthcare systems, where medical costs can quickly escalate.
• Quick and efficient claims process: The company has a reputation for processing claims promptly and efficiently, allowing policyholders to receive reimbursements promptly. Also, you can make your claim without paying a fee for it.
• Southern Cross offers the cheapest policy costs to 35 years old visitors to the US, Australia, Bali, and Europe compared to AA, AMI, and 1Cover insurance policies.
• The Southern Cross insurance is the second cheapest insurance for 75 years old visitors, just after 1cover
• The benefits of Southern Cross Insurance can cover individuals around the age of 100 years.
• Southern Cross offers a 5% discount for members.

Cons:

• Southern Cross Insurance does not cover claims if you plan to rise or ski a motorbike, scooter, or moped. To be covered, you will buy an optional add-on. ​
• It does not cover any pre-existing medical condition
• Does not cover claims arising from the bankruptcy of an airline, travel agent, or tourism service provider.
• It does not cover claims from travel undertaken after being diagnosed with a terminal illness.

Does Southern Cross Travel Insurance Cover Stolen, Lost, Or Damaged Luggage?

Yes, Southern Cross Travel Insurance covers stolen, lost, or damaged luggage up to $25,000 per journey. Here are the per-item limits:

• Mobile Phone (replacement or repair) – $1,500
• Electronic equipment, including video and camera equipment – $3,000 (up to $10,000 per claim)
• General items – $1,500 per item
• Unspecified watches and jewelry – $2,500 per claim

Does Southern Cross Travel Insurance Cover Cancellation Fees?

Yes, Southern Cross Travel Insurance covers cancellation fees. It offers unlimited coverage for money lost, and you can get your total compensation when you apply for your claims.  However, you must purchase the policy before booking, or the flight cancellation fee will not be covered.

Does Southern Cross Travel Insurance Cover Cruises?

Yes, Southern Cross Travel Insurance offers cruise cover for domestic and international trips. However, this is only limited to Southern Cross International Comprehensive plan, where cruise coverage is included as a special offer, which is optional. It is absent in other Southern Cross travel insurance policy types.

Are There Setbacks to Southern Cross Travel Insurance Cover?

The only setback about Southern Cross travel insurance, which is not bad, is that you must submit original receipts to claim an item. If you don’t have the original receipts, you can submit bank statements, valuations, or reprinted receipts from where you purchased them. Without these, you might not be able to lay your claims.

Also, you won’t be covered if you purchase a travel insurance policy after making your travel arrangement and cancel the trip before departure. To be covered, your policy must be purchased before making travel arrangements.

Does The International Comprehensive Policy Cover Pre-Existing Medical Conditions?

Yes, the comprehensive international policy covers pre-existing medical conditions. When you want to travel, the policy assesses your medical conditions, the destination you are traveling to, and your age. This is to check if any variable has changed from the last time you completed a medical assessment.

This policy regularly reviews their medical underwriting criteria based on global claiming data. When purchasing a policy, you might not be covered if your pre-existing medical condition isn’t covered or recognized.

Also, the Southern Cross travel international Comprehensive Policy cannot assess a condition that hasn’t been diagnosed. This means that it cannot be covered. If you have a rare medical condition and there is insufficient global claiming data to assess the potential travel risk, then you will not be covered under the policy.

What is the Process to Make a Complaint?

If you are unhappy about any aspect of your policy or dissatisfied with Southern Cross Travel Insurance services, you can easily make a complaint to inform them. To complain, contact the support team at 0800 800 571 or email info@scti.co.nz.

According to multiple reports, they are very responsive and would provide you with the maximum support that you need to make your issue resolved as soon as possible.

How to Cancel a Policy Online

You need to check a couple of things when canceling a policy online. They are as follows:

1. To cancel a policy online, you must do it between the date you purchase the policy and when you start your journey.
2. Your premium can only be refunded online to the exact credit card you used to purchase the policy.
3. If you have any outstanding payments, your premium won’t be refunded until you settle your outstanding payments.
4. You won’t be able to cancel a policy online when your purchase it through an agent. In that case, contact the Southern Cross travel support team to cancel the policy through an agent.
5. You can cancel a policy online if you haven’t made a claim and don’t intend to make one.
6. You will be charged a cancellation fee of $35 if you brought your policy more than 14 days ago and want to cancel it.
7. You won’t have insurance or coverage if you cancel your policy, and you won’t be able to make claims.
8. Click here and follow the instruction to cancel a policy.

Conclusion

Overall, Southern Cross Travel offers one of the cheapest covers, compared to 1Cover, AMI, and AA and travel insurance policies. It also provides many benefits that other insurers do not offer. Additionally, their customer service is excellent. This is a good insurance policy to go for.