Southern Cross Travel Insurance Reviews 

2,463
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Considering 723 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently find the online system easy to use for purchasing policies and managing claims, appreciating the straightforward process from start to finish. Many highlight the competitive and reasonable pricing, often noting that the value for money is better compared to other providers, even with pre-existing conditions. The service is frequently praised for being efficient and reliable, with numerous people expressing gratitude for the quick and helpful responses during the claims process. However, some people were dissatisfied with the claims process, describing it as an administrative nightmare with poor systems and slow responses, leading to frustration and a feeling of being let down. A few other people also felt that the initial quotes were very expensive or that certain claims were denied due to pre-existing conditions, despite declarations.

What people talk about most

Claim

People report ambiguous experiences with claim, with many customers praising the straightforward and speedy... See more

Service

Reviewers mention positive feedback about service, highlighting its efficiency and ease of use, especially... See more

Price

Consumers find price to be positive, with many reviewers consistently reporting competitive and reasonable... See more

User experience

Users describe positive interactions with user experience, consistently finding the process easy to... See more

Value for money

Customers had positive experiences with value for money, with many reviewers finding the pricing 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

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1-star

Asks customers to review

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

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4.5

All reviews

(2,463)

714 reviews in the last 12 months

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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 1 out of 5 stars

The are not even responding

The are not even responding, and very very slow service..

24 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi Chetanya. Thanks for your review. We are sorry to hear you are experiencing a slow service and lack of response. We'll investigate this further and ensure we respond as soon as possible. Thanks for your feedback.

Rated 5 out of 5 stars

Easy to purchase online and previous claim paid out quickly

Easy to purchase online. Didn't need to make a claim this time but have had to on a previous policy when I broke my leg and had to cancel my trip last year. The claim process was easy and payment received promptly. Highly recommended!

22 April 2026
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Reply from Southern Cross Travel Insurance

Hi Lucy. We're happy to hear that purchasing online was easy. We appreciate your recommendation and are glad our claim process was simple and prompt when you needed it. Thank you!

Rated 5 out of 5 stars

Great Value Travel Insurance with Excellent Service compared several travel insurance…

I compared several travel insurance providers and found SCTI to offer the most competitive price with excellent coverage. The application process was quick and straightforward, with prompt confirmation and helpful email reminders throughout. Overall, a very positive experience—I would recommend SCTI and would happily use them again.

22 April 2026
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Reply from Southern Cross Travel Insurance

Hi Kathy. We're happy to hear that you found our travel insurance to be a great value! We appreciate your positive feedback regarding the easy application process and helpful reminders. Thank you for recommending us, we're glad you had a positive experience.

Rated 5 out of 5 stars

Southern Cross has a great cover and reasonable price.

Southern Cross has a great cover and reasonable pricing for travel insurance. Luckily for us we didn’t need to put in a claim so can’t comment on this process.

18 April 2026
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Reply from Southern Cross Travel Insurance

Hi Diane. We're happy to hear that you found our travel insurance to have great coverage and reasonable pricing. Thank you for your positive feedback, we appreciate it.

Rated 5 out of 5 stars

I have not claimed anything

I have not claimed anything. But your service is good to concern about my well beings

21 April 2026
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Reply from Southern Cross Travel Insurance

Hi there. We appreciate your feedback and are happy to hear that you value our concern for your well-being. Thank you for taking the time to share.

Rated 5 out of 5 stars

Easy to book

Easy to book, responsive and at a reasonable cost

20 April 2026
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Reply from Southern Cross Travel Insurance

Hi there. We're happy to hear that booking was easy, and our responsiveness and pricing met your expectations. Thank you for your feedback!

Rated 1 out of 5 stars

Consumer's concerns not heard despite…

Consumer's concerns not heard despite providing all receipts as a proof. SCTI only understands their decision and what the GP says, their "says" are the final decision. Not worth buying insurance cover when you are not heard and no sympathy.

23 April 2026
Unprompted review
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Reply from Southern Cross Travel Insurance

Hi Anita. We appreciate your feedback and the time you took to share your experience. We're sorry to hear that your concerns weren't adequately addressed. We'll review your claim and if you would like to enter our complaints process, please let your accessor know. Take care.

Rated 5 out of 5 stars

To be honest I didn’t call on the…

To be honest I didn’t call on the insurance while I was away BUT… it covered the important medical events that “pop up” should I had needed it.
I will do the same again for piece of mind when travelling

19 April 2026
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Reply from Southern Cross Travel Insurance

Hi Roy. We're happy to hear that our coverage offered you peace of mind during your travels! Thank you for sharing your positive experience and we appreciate your feedback.

Rated 5 out of 5 stars

SCTI is the best

Excellent communication before during and after the trip

18 April 2026
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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
Southern Cross Travel Insurance logo

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
Southern Cross Travel Insurance logo

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
Southern Cross Travel Insurance logo

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
Southern Cross Travel Insurance logo

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!

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