Southern Cross Travel Insurance Reviews 

2,455
TrustScore 4.5 out of 5

4.5

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

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

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.5

All reviews

(2,455)

702 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

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.

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
Southern Cross Travel Insurance logo

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

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look