Southern Cross Travel Insurance Reviews 

2,474
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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Asks customers to review

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4.5

All reviews

(2,474)

724 reviews in the last 12 months

Write a review
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

SCTI is the best

Excellent communication before during and after the trip

18 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there, thank you for your positive feedback!

Rated 5 out of 5 stars

Great travel insurance

Great travel insurance, easy to purchase and clear to understand wha is covered and who to contact if you need any help. Really good value for money.

16 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that you found our travel insurance easy to purchase and understand. We appreciate your feedback on the value for money and clarity of coverage. Thank you!

Rated 5 out of 5 stars

Easy to use for first timer and…

Easy to use for first timer and reassurance that if anything happened we were covered

17 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that our service was easy to use for you and that you felt secure with our coverage. Thank you for your positive feedback!

Rated 5 out of 5 stars

Great

Great! Always top notch service, great prices too

21 March 2026
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Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that you're happy with our pricing and service. Thank you for the positive review.

Rated 5 out of 5 stars

I’ve used southern cross a few times…

I’ve used southern cross a few times now and they’ve always been helpful .

16 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, we appreciate you taking the time to share your positive experiences with us. We're happy to hear that our team have been helpful!

Rated 5 out of 5 stars

Easy to do

Easy to do, no stress.

15 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, thank you for the positive review, we appreciate it!

Rated 5 out of 5 stars

Very good service

16 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there, thank you for the positive review, we appreciate it!

Rated 5 out of 5 stars

Very simple online portal to use both…

Very simple online portal to use both for applying for travel insurance and completing a claim on return. I smashed the screen on my mobile while in Oz. Rang the international number, answered quickly, the customer service representative was polite, knowledgeable and very helpful. Also empathetic to my situation.
On return to NZ, got all the paperwork, receipts etc I needed and submitted the claim. Still waiting to here back but process so far has been seamless.

14 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, we appreciate you sharing your experience. We're happy to hear you had a good experience when you needed assistance. We aim to make the claims process as smooth as possible and hope to have an update for you soon. Thank you.

Rated 5 out of 5 stars

I've never purchased traveler's…

I've never purchased traveler's insurance before, but I heard they may ask for it during customs while traveling to NZ (they didn't). We also knew that we wanted to go on some adventures.
Thankfully, we didn't need to use it, but the process of getting coverage was quick and easy. It made us aware that we should have this extended coverage aside from our personal coverage, just in case something goes wrong outside of our coverage.
We almost had to use it. Cyclone Vaianu was heading toward NZ as we were about to fly out. Our plane was delayed, we were put on stand-by, told we were grounded, and that we would have to stay. If we had, we would have been in the cyclone. Thankfully, we were the last two accepted on the next flight out.
What I did learn is that we should carry travelers' insurance for at least a few days after our trip is supposed to end, for instances like this.
Although this is an extra expense, it's still affordable, and now I also feel it's a must if we're traveling internationally.

11 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, thanks for your great review. We’re glad you found arranging travel insurance quick and easy, and that it gave you peace of mind during Cyclone Vaianu. We really appreciate you taking the time to share your experience

Rated 5 out of 5 stars

Easy to apply

Easy to apply, give me peace of mind

13 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, thank you for the positive review, we're happy to hear our travel insurance gave you peace of mind.

Rated 5 out of 5 stars

Took travel insurance out with Southern…

Took travel insurance out with Southern Crossp as recommended by Moneyhub. Very happy i did as i found them to be the cheapest with the best coverage while communication with them was the best.

13 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that you found our travel insurance to be the most affordable and that our communication met your needs. Thank you for sharing your positive experience with us!

Rated 5 out of 5 stars

Being honest with medical information is not a deficit

Relevant questions asked to ascertain the necessary information so that I was totally covered on my recent overseas trip. Nice friendly staff interaction. Would highly recommend.

12 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that our team helped ensure you were totally covered for your overseas trip by asking the right questions. We appreciate your recommendation and are glad you found our staff friendly!

Rated 5 out of 5 stars

Straightforward process

Straightforward process. We didn't have any incidents but we had peace of mind that if we did we had chosen great travel insurance. Sign up and sign in portal was straightforward as well.

12 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that the process was straightforward and that our travel insurance provided peace of mind. Thank you for the positive review!

Rated 5 out of 5 stars

Easy to use service

Easy to use service, fast to reply and great value and peace of mind!

10 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that our service was easy to use and gave you peace of mind! Thank you for the positive review.

Rated 5 out of 5 stars

While getting the quote it was easier

While getting the quote it was easier, The customer service personal who helped me, I would like to know he did a great job. He went above than expected and helped me out. I would like to thank and say you have such a amazing staff

8 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that your quote experience was easy. It's great to know the customer service was exceptional and went above expectations. We appreciate you acknowledging our amazing staff!

Rated 4 out of 5 stars

annual travel plan

bought the annual travel plan because travelled twice over the year. It was easy to add a country and there was no additional charge which I appreciate.

19 March 2026
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Reply from Southern Cross Travel Insurance

Hi there, we appreciate you choosing our Annual-Multi Trip plan and are happy to hear that adding a country was easy and free of charge. Thank you for your positive feedback!

Rated 3 out of 5 stars

Delay in claim process

I thought that the claim process did take longer than I expected. Would have liked to have received the claim decision with in a week.

9 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, thank you for your feedback on the claims process, we appreciate it.

Rated 5 out of 5 stars

Travel insurance is a must now

Travel insurance is a must now. These days anything and everything is uncertain leading to pre plans only covering so much. Having peace of mind is necessary so I can concentrate on my travel & it's purpose.

9 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there, it's good to know that our travel insurance provided you with peace of mind and helped you feel secure while you travel. Thank you for the positive feedback!

Rated 5 out of 5 stars

Nothing

Nothing, I didn't use them

8 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there, thank you for the positive review.

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