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)

720 reviews in the last 12 months

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Rated 5 out of 5 stars

Easy to fill out online forms

Easy to fill out online forms. Had everything I needed covered. Have used Southern Cross travel insurance for the majority of our travels overseas. The only problem is, which isn’t a problem, is not having made a claim yet Lol!

25 May 2026
Rated 5 out of 5 stars

The best by default

This was the easiest and best value company after exhaustive research . I have used them before so it was a no brainer really . It all comes down to the details. The other companies are a rip off in comparison . 5 stars all day

1 June 2026
Rated 5 out of 5 stars

Easy and quick to deal with

Easy and quick to deal with. My 7yr old son got sick and had to go to hospital while we overseas. Thank goodness for travel insurance, communication was awesome, we felt supported and the hospital bill was sorted asap. Follow up contact was greatly appreciated, awesome service.

27 May 2026
Rated 2 out of 5 stars

Chase up every step of the claim!

We had a medical event that required urgent hospitalisation. Southern Cross call center were awesome, polite and tried to be helpful. They were let down by the support team.

If you make a claim, make sure you call them constantly to get action. Examples include, the did not reach out to the GP and hospitals to get medical information - after 12 hours I called, and then the emails were sent to both parties, delaying medical treatment and approval of the claim. We sent several emails to advise that change of flights had to be done by 2pm, I call 1 hour past this and flights had not been actioned. We were at the airline counter and the airline could not let us board as no medical clearance had been provided. Southern Cross medical, had to approve the flights and travel but did not inform the airline, and were not available at our flight time. The local hospital did spoke directly with the airline. The claim was an administrative nightmare with very poor systems to get information. We also did not get responses to our emails, follow up phone calls were always required.

If you make a claim or need urgent medical assistance, call them every step of the way.

30 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi Johanna. Thank you for taking the time to share such a detailed account of your experience - we’re really sorry to hear what you and your family went through. Having a medical emergency while travelling is incredibly stressful, and it’s clear this situation was made even more difficult by delays and a lack of coordination at such critical moments. It’s good to hear that our frontline team were supportive and reassuring when you first reached out, but we’re sorry that this wasn’t matched by the level of service you received from the wider support team. What you’ve described -delays in contacting medical providers, missed time-sensitive actions, and the need for repeated follow-ups is not the experience we want for our customers, especially in urgent situations. We understand how important clear communication and timely action are when medical treatment and travel plans are involved. The impact this had on your ability to receive care and continue your journey is something we take very seriously. Your feedback is incredibly valuable, and we’re using insights like this to identify where we need to improve. Thank you again for sharing this with us we’re committed to doing better and delivering the support our customers count on. If you would like to talk about this further, please feel free to reach out to our team at feedback@scti.co.nz. Take care.

Rated 4 out of 5 stars

Very easy to book online

Very easy to book online

29 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi Susan. We are glad to hear that you found our online booking process easy. Thank you for your positive feedback!

Rated 5 out of 5 stars

SX travel insurance payed out as per…

SX travel insurance payed out as per our policy- no hassle after a MVA in America last year

27 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We are so pleased to hear about your positive experience with us. We appreciate your feedback.

Rated 4 out of 5 stars

very informative

easy to use and very informative, understood what I was covered for.

26 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're glad to hear our service was easy to use and informative for you. Thanks for the feedback!

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