Southern Cross Travel Insurance Reviews 

2,473
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Evaluating 728 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the ease of arranging policies online, highlighting the straightforward application process and user-friendly navigation. Many found the pricing competitive, offering good value compared to other providers. The claim process is frequently described as smooth, hassle-free, and efficient, with payments often received promptly. Reviewers appreciate the reliable service and the sense of security provided by their coverage. However, some customers also noted dissatisfaction with the claim process, experiencing denials, significant delays in acknowledgement or payment, and administrative difficulties. A few other people also felt that the pricing could be high, especially for certain policy types or for long-term members.

What people talk about most

Claim

People report positive experiences with claim, noting that the process is often straightforward and... See more

Service

Customers had positive experiences with service, often highlighting the ease of arranging coverage and the... See more

Price

Users describe positive interactions with price, often highlighting competitive and reasonable rates, even... See more

User experience

Clients share positive opinions on user experience, with many reviewers finding the process of finding and... See more

Value for money

Consumers express satisfaction with the value for money, finding the rates reasonable and the cover provided... 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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4.5

All reviews

(2,473)

724 reviews in the last 12 months

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Rated 5 out of 5 stars

Travel Insurance from SCTI…

We bought Travel Insurance from SCTI for our recent trip to Thailand. We didn't need the insurance but it was good to have the assurance that it was there if we did need it!

16 June 2026
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Reply from Southern Cross Travel Insurance

We're so glad to hear our travel insurance provided peace of mind for your Thailand trip. We always aim to offer that assurance!

Rated 5 out of 5 stars

Easy to buy, competitively priced

Easy to purchase, competitively priced, I didn't need to use the policy fortunately but it was good to have it there.

15 June 2026
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Reply from Southern Cross Travel Insurance

We are so glad to hear that purchasing was easy and the pricing met your expectations. We appreciate your kind words!

Rated 5 out of 5 stars

It was easy to get the insurance set up…

It was easy to get the insurance set up online, it was an affordable price and it was clear and easy to understand.
Access while overseas although a bit faffy (I understand the need for security) was easy enough.
The claims process was mostly easy to fill in and the results of my claim was welcomed at a very stressful time for my family.
Thank you

14 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so glad to hear that setting up your insurance was easy and affordable, and that our claims process provided support during a stressful time for your family. We appreciate your understanding regarding the security measures for overseas access. Thank you for your positive feedback; it truly means a lot to us.

Rated 1 out of 5 stars

Airline broke my language and you want…

Airline broke my language and you want a $250 excess over a 150 dollar bag bloody joke

14 June 2026
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Reply from Southern Cross Travel Insurance

We’re sorry to hear about your experience - that’s incredibly frustrating, especially when it’s something out of your control like an airline damaging your luggage. We understand why the excess can feel unfair in situations like this. The excess is a standard part of the policy and applies to each claim, regardless of the item’s value, but we appreciate that this can be disappointing when the cost to replace the item is lower than the excess itself.
Where possible, we always recommend claiming directly with the airline first, as they’re typically responsible for damage caused during transit. Travel insurance is designed to step in when those avenues don’t fully cover the loss. That said, your feedback is really important to us. If you’d like us to take another look at your situation or talk through your options, please feel free to get in touch with our team directly. Take care.

Rated 5 out of 5 stars

Easy to understand, straightforward.

Whenever I travel, I choose Southern Cross Travel Insurance. Their service is always clear, easy to understand, and straightforward to use. Thankfully, I haven't had to make a claim, but my experience with them gives me confidence that they'd be there when needed.

27 August 2025
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so happy to hear that our service provides you with confidence and peace of mind for your travels! Thank you for sharing your positive experience with us.

Rated 4 out of 5 stars

We were pleased we had cover for…

We were pleased we had cover for anything that could have arisen but were happy we didn't have to claim for anything. So can't comment on the claims side.

14 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're glad our coverage provided peace of mind, even though you didn't need to make a claim. We appreciate your positive feedback!

Rated 5 out of 5 stars

Outstanding service and highly efficient!

I highly recommend Southern Cross Travel Insurance as they have been exceptional at resolving a travel claim due to a significant disruption to our holiday plans. I was able to speak to a Customer Support representative very quickly, who promptly reassured me that my children and I would be taken care of financially in respect of booking a new transfer to our initial destination. The claim form was incredibly straightforward and within 72 hours I received an email confirming our claim was accepted and would be paid in full. I have previously used Allianz, and while their service was superb, Southern Cross outperformed them by providing such a speedy resolution and straightforward claim process. I love the fact there is a zero excess option also. No one ever wants to be in a position where travel plans are disrupted, but it's very reassuring to know you're with a travel insurance company that's there to support you. Thank you Southern Cross for enabling my family and I to have a smooth journey for our overseas trip. We can now and look forward to a wonderful holiday.

14 June 2026
Unprompted review
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi Jennifer. We are so pleased to hear that we could provide such a speedy and straightforward resolution for your travel claim, especially during a disruptive time. It is wonderful to know that your family can now look forward to a smooth and wonderful holiday. Thank you for sharing your positive experience with us.

Rated 3 out of 5 stars

Expensive.

Expensive.
No claims needed thankfully.

14 June 2026
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Reply from Southern Cross Travel Insurance

We appreciate your feedback regarding our pricing. We continuously evaluate our offerings to ensure value.

Rated 5 out of 5 stars

The bad news was that we had to make a…

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 all on-line and super easy;
- we then heard back (from a real person!) within an hour of submitting the form;
- there were a couple of quick questions asked and then the claim was accepted and processed the following day, with payment received two business days after. All-in-all the claim was fully handled inside of a week of first lodging - simply amazing! With thanks to Southern Cross for your work in putting a client-friendly process together, and to your team for their commitment to providing a fast & efficient service.

11 June 2026
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Reply from Southern Cross Travel Insurance

We are so pleased to hear that our claims process was easy and efficient for you. It's wonderful to know our team's commitment to client-friendly service made a positive impact. Thank you for sharing your amazing experience!

Rated 5 out of 5 stars

Thank you!

Had to make two claims on my short trip to thailand, and both times Southern Cross was incredibly helpful! An outcome had been made and payments were in my account within a couple of days of my claims. Thank you so much!

11 June 2026
Rated 5 out of 5 stars

Supportive Process

It is an easy process. There are check ins along the way; before you leave, while you are away and when you return which is reassuring if you needed support.

9 June 2026
Rated 1 out of 5 stars

I was involved in a car accident during…

I was involved in a car accident during my travels (of no fault) and had no compensation from the insurance company. Really disappointing

10 June 2026
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Reply from Southern Cross Travel Insurance

We’re sorry to hear about your accident while travelling - that must have been a stressful experience, especially when it wasn’t your fault. We understand how disappointing it feels when a claim doesn’t result in the outcome you were expecting. While there can be specific policy terms and circumstances that affect whether compensation is available, we know that doesn’t make it any easier in situations like this. We’d like the chance to look into this further and make sure everything has been assessed as it should be. If you’re open to it, please get in touch with our team directly so we can review your case and talk you through the decision. Your feedback is important to us, and we’re always working to ensure we’re providing clear, fair, and supportive experiences when our customers need us most. Take care.

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