Southern Cross Travel Insurance Reviews 

2,461
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Looking at 733 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the ease of use and navigation of the online system, finding it simple to set up policies and complete applications. Many people also highlight the reasonable and competitive pricing, often finding it better value compared to other companies, even with existing health conditions. The service is frequently described as fast, efficient, and helpful, with many appreciating the quick processing and settlement of claims. However, some customers also noted issues with the claims process, describing it as an administrative nightmare with poor systems and delayed responses. A few other people also felt that their claims were denied on questionable grounds, leading to dissatisfaction and a sense of being let down.

What people talk about most

Claim

Consumers find the claim process to be ambiguous, with many not needing to make a claim and therefore unable... See more

Service

People report positive experiences with service, often highlighting the ease and efficiency of the process,... See more

Price

Reviewers highlight positive aspects of price, consistently finding it reasonable and competitive compared to... See more

User experience

Customers report a truly amazing and positive experience with the user experience, highlighting the ease of... See more

Value for money

Clients share positive opinions on value for money, with many reviewers finding the pricing very reasonable... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I had a good holiday and didn’t need to worry about insurance. Going through the online system produced a quote which initially very expensive. I phoned them though and found I’d selected a bunch of s... See more

Company replied

Rated 5 out of 5 stars

The bad news was that we had to make a claim post our Fiji boat charter. The good news was that Southern Cross provided an exceptional service in responding to this claim: - the process itself was... See more

Company replied

Rated 5 out of 5 stars

We use Southern Cross travel insurance all the time. We come back all the time even when we have checked out other insurances. Lucky for us we never have to use the insurance but going overseas with... See more

Company replied

Rated 5 out of 5 stars

Fortunately, I was not in need of my insurance for this trip, however I would not travel without it. I always use Southern Cross travel insurance as it is easy to buy online and the cost is reasonab... See more

Company replied


Company details

  1. Travel Insurance Company
  2. Insurance Company

About Southern Cross Travel Insurance

Written by the company

We offer travel insurance that suits how you want to travel


We know how important it is to make sure you have the right type - and level - of cover, so we have different travel insurance policies to suit different types of travel, and the ability to personalise your cover to suit you with our optional add-ons. Whether you’re heading to Fiji for some R&R, London for an OE or Queenstown to hit the slopes, we’re with you.

Single trip travel insurance

Our award-winning single trip policy provides comprehensive cover for your international holidays! Learn more

Multi trip travel insurance

If you're planning on taking several trips overseas a year, our annual policy might be a more cost (and time) effective choice for you. Learn more

Medical only cover

Designed with the budget-conscious traveller in mind. This policy provides essential medical cover for your overseas adventures. Learn more

Kiwi adventures

Designed for trips taken within NZ, this policy covers you for unexpected events like cancellations, rental vehicle excess and more! Learn more

Cover for your big OE

Quality protection designed for New Zealand travellers planning to live or work overseas. Learn more

Studying in New Zealand

Comprehensive cover for international visitors while they're living and studying here in New Zealand Learn more

Non-resident cover

This policy is designed for international visitors coming to New Zealand to holiday, to live or for work. Learn more

Written by the company

Trusted by travellers

Trusted by over 6 million travellers on their adventures worldwide+

Trusted by over 6 million travellers on their adventures worldwide+
+Based upon the total number of travellers we have insured across the markets where we operate for all our travel insurance products from January 1995 to June 2024.

Contact info

4.5

Excellent

TrustScore 4.5 out of 5

2K reviews

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Asks customers to review

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4.5

All reviews

(2,461)

710 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

So nice and easy to deal with

So nice and easy to deal with. Was happy I chose Southern Cross. Thanks team

26 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We are so happy to hear that your experience with us was positive and easy. Thank you for choosing Southern Cross; we truly appreciate your kind words.

Rated 5 out of 5 stars

I purchased this product because it…

I purchased this product because it covered everything that I needed it to for traveling to a couple of countries. The price was good and while I didn't need to make a claim it was great to know I had this in place.

26 June 2026
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Reply from Southern Cross Travel Insurance

We're so glad our product met your travel needs and provided peace of mind during your trip to multiple countries. Thank you for your positive feedback!

Rated 5 out of 5 stars

Great company for travel insurance

Fortunately, I was not in need of my insurance for this trip, however I would not travel without it. I always use Southern Cross travel insurance as it is easy to buy online and the cost is reasonable.
We had a large medical claim a few years ago while in the USA and the Southern Cross team was amazing.

6 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We appreciate you sharing your positive experience with us. It's wonderful to know that our online purchasing process and reasonable costs meet your expectations. We are especially glad to hear that our team provided amazing support during your medical claim in the USA. We value your continued trust in our travel insurance!

Rated 1 out of 5 stars

Glasses

My husband had a fall and damaged his glasses. The accident was documented by the resort and he had various injuries consistant with a fall. Upon our return when he contacted Southern Cross regarding repair or replacement he was advised that glasses were not covered.
Disappointing.

4 April 2026
Unprompted review
Rated 5 out of 5 stars

Piece of mind

We had piece of mind knowing we were covered in case of some sort of disaster while on holiday
I have Health Insurance through your company so was a natural continuation.

23 June 2026
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Reply from Southern Cross Travel Insurance

We're so glad to hear that our coverage provided you with peace of mind during your holiday. We appreciate your continued trust in our services!

Rated 5 out of 5 stars

Insurance

Easy to apply, competetitive rates, gave us the appropriate cover for peace of mind.

24 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so glad we could provide you with competitive rates and the appropriate cover for your peace of mind. We appreciate your feedback!

Rated 4 out of 5 stars

Easy to purchase online

Easy to purchase online

24 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We are so pleased to hear that your online purchasing experience was easy and convenient. We appreciate your positive feedback!

Rated 5 out of 5 stars

We use Southern Cross travel insurance all the time

We use Southern Cross travel insurance all the time.
We come back all the time even when we have checked out other insurances. Lucky for us we never have to use the insurance but going overseas with the knowledge that you have a good insurance is the best thing what you can do.

24 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We are so pleased to know you consistently choose us for your travel insurance needs. It's wonderful to hear that having our coverage provides peace of mind for your overseas trips. Thank you for your continued trust!

Rated 5 out of 5 stars

We made a claim due a flight delay…

We made a claim due a flight delay which meant we missed all our connections and had to stay and extra night in USA.
I provided all receipts and they made the process so easy and streamlined and the refund came through quickly. I was relieved and will definitely use SCTI for future travels.

16 June 2026
Unprompted review
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so glad we could assist you efficiently after your flight delay and missed connections. We appreciate you sharing your positive experience and look forward to helping you with future travels.

Rated 5 out of 5 stars

Very helpful and truly trustworthy…

Very helpful and truly trustworthy insurance partner. When parent had a medical sitiation, they helped us in all ways to provide us assistance to get rid of difficult sitiation. Truly amazing experience.

19 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We are glad we could assist your family during a difficult time. Your kind words mean a lot to us, and we appreciate you sharing your positive experience.

Rated 5 out of 5 stars

Convenient, service & price

Price was very reasonable. Service was really great.

23 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so glad you enjoyed your experience with us. We appreciate your kind words about our service and pricing.

Rated 5 out of 5 stars

Hassle free and fair

Hassle free and fair

19 March 2026
Unprompted review
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We appreciate your kind words. We are glad you had a positive experience.

Rated 5 out of 5 stars

Great peace of mind

We didnt need to use the insurance but the application was easy, the cost fair and it gave us good pece of mind

22 June 2026
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Reply from Southern Cross Travel Insurance

We're happy to hear our application process was easy and provided peace of mind. We appreciate your positive feedback!

Rated 5 out of 5 stars

Travel to the USA

I have no reason to think Southern Cross was or wasn’t a good travel buddy because my 5 week trip to the USA was without incident.

21 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there. We're glad your 5-week trip to the USA was without incident. We appreciate you sharing your experience with us.

Rated 5 out of 5 stars

Easy as 1,2,3

Website is easy to use. You can flip between different cover options which show you cost + benefits and the table reference makes it easy to see the type of cover you need. I compared the cover and cost with other insurance providers and SC came out on top.

21 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi Alisha. We're so glad our website made it easy to find the right cover and that we offered the best value. Thank you for your kind words!

Rated 5 out of 5 stars

Well priced

Well priced, very straight forward. Clear emails during policy period and afterwards. Did not have to claim.

1 September 2025
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Reply from Southern Cross Travel Insurance

We're so glad to hear you found our pricing fair and our communication clear. Thank you for your positive feedback!

Rated 5 out of 5 stars

Would use again. If your initial quote seems off phone then.

I had a good holiday and didn’t need to worry about insurance. Going through the online system produced a quote which initially very expensive. I phoned them though and found I’d selected a bunch of stuff I didn’t actually need. If you struggle with the way things are written (why I married a lawyer lol) the online booking can be a little tricky. Call centre were very kind sorting it all out though.

15 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're glad to hear you had a good holiday and that our call centre team could assist you in getting the right coverage. We appreciate your feedback on the online system.

Rated 5 out of 5 stars

Peace of mind and easy to get my policy…

Peace of mind and easy to get my policy sorted over the phone with questions asked by your 'Team to ensure i had all the bases covered.

15 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so glad our team could provide peace of mind and ensure your policy was sorted efficiently. Thank you for your kind words!

Rated 4 out of 5 stars

Fine

this is based purely on the ease of signing up and being processed. very easy, no problems. however i haven’t had to make any claims so don’t know what the other end of the insurance process looks like.

17 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're glad to hear that signing up was easy for you. We aim for a smooth process and appreciate your positive feedback.

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