Southern Cross Travel InsuranceReviews 

2,446
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Looking at 726 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the ease of setting up their insurance online and appreciate the clear, straightforward process. Many find the pricing competitive and a good value for money, often noting it's more affordable than other providers. The claims process is generally described as simple, quick, and efficient, with payments often received promptly. Reviewers also value the sense of security and peace of mind the coverage offers, especially for international travel. However, some people were dissatisfied with the claims process, experiencing delays in receiving claim numbers or acknowledgements. A few other people also felt that the company let them down when they needed assistance, leading to a sense of disappointment and wasted money.

What people talk about most

Claim

Reviewers mention ambiguous feedback about the claim process, with many customers reporting that they did not... See more

Service

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

Price

Customers consistently note positive experiences with price, finding it competitive and reasonable compared... See more

User experience

Consumers find the user experience to be positive, with many reviewers highlighting the ease of use and... See more

Value for money

Users describe positive interactions with value for money, with many reviewers finding the pricing to be... 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

Southern Cross offered insurance to both my husband and I even in light of my husbands emerging health issues. We were thankful for the cover and sense of security it offered should anything go wrong... See more

Company replied

Rated 5 out of 5 stars

The application on the website was easy to use and navigate. I do have existing health issues that increased the premium but I do understand that insurance is based on risk. Very prompt acceptance... See more


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

(2,446)

697 reviews in the last 12 months

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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
Southern Cross Travel Insurance logo

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.

Rated 5 out of 5 stars

Trip to Hawaii…

Response to queries was prompt and great follow up.

17 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We are glad we could assist you.

Rated 5 out of 5 stars

Southern Cross Travel Insurance has…

Southern Cross Travel Insurance has the most comprehensive cover from my research. Signing up is easy.

17 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so glad you found our cover comprehensive and the sign-up process easy. Thank you for your kind words!

Rated 4 out of 5 stars

We had no issues and no reason to make…

We had no issues and no reason to make a claim therefore my only feedback is it was simple to book the insurance and it was very reasonably priced

16 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're glad to hear booking your insurance was simple and reasonably priced. Thank you for your positive feedback!

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
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
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
Southern Cross Travel Insurance logo

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
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.

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