Southern Cross Travel Insurance Reviews 

2,461
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

(2,461)

712 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 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
Southern Cross Travel Insurance logo

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
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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
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Reply from Southern Cross Travel Insurance

Hi there, thank you for the positive review.

Rated 5 out of 5 stars

Simple and reliable

Good price for coverage

7 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there, we're glad to hear you found our insurance simple and reliable. Thank you for the positive review.

Rated 4 out of 5 stars

Quick process

Quick process. Reasonable prices.

7 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear you found our insurance to be a reasonable price. Thank you for the positive review.

Rated 5 out of 5 stars

Peace of Mind

Being covered for pre- existing conditions gave us peace of mind and the competitive pricing.

16 March 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that our coverage for pre-existing conditions provided you with peace of mind. Thank you for your positive feedback!

Rated 5 out of 5 stars

It was a good value and even though I…

It was a good value and even though I did not use it, I know that I have chosen a good company for my travel insurance.

5 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 a good value. Thank you for choosing us, and we appreciate your confidence in our company!

Rated 5 out of 5 stars

No trouble getting our travel…

No trouble getting our travel insurance, even though we are in our 70s and my husband has a pre existing condition. Staff were very helpful. Fair price too.

17 March 2026
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Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that you had no trouble getting travel insurance and that our staff were helpful. We appreciate you mentioning the fair price, thank you for your feedback.

Rated 5 out of 5 stars

Easy to obtain the cover I needed and…

Easy to obtain the cover I needed and the communications were just right.

3 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that you found the cover you needed easily. Thank you for your feedback!

Rated 5 out of 5 stars

No claims made but peace of mind when…

No claims made but peace of mind when travelling. Happy that we have a sound backing from a very reputable organisation.

3 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that our services provide you with peace of mind during your travels. It's great to know you felt supported. Thanks for your feedback.

Rated 5 out of 5 stars

Very responsive and reassuring when I…

Very responsive and reassuring when I rang with questions about my coverage easy to access on the phone.

3 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that our team was responsive and reassuring when you contacted us! We appreciate you highlighting our accessibility and your positive experience.

Rated 4 out of 5 stars

I did a few claim for medical

I did a few claim for medical, denstist, glasses, and all finished perfectly.

But sadly when i claimed 7 days before expired, not responded yet, and already send email to asking but haven't replied yet until expired.

2 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, thank you for your feedback. We’re sorry to hear your experience with the claims process. If you’d like us to assist with your claim, please contact us at info@scti.co.nz or 0800 800 571.

Rated 5 out of 5 stars

Insurance Claim

Everytime i do insurance if there is any claim its very easy.

22 October 2025
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Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that our claims process has been easy for you. Thank you for your positive feedback and for sharing your experience.

Rated 5 out of 5 stars

Prompt pay out

I had lost the wallet while travelling in Japan. The police report was enough to prove the accident. The pay out decision was prompt and in full as per policy.

1 April 2026
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Reply from Southern Cross Travel Insurance

Hi there, we're glad the payout decision was prompt and in full, as per the policy. Thank you for your feedback.

Rated 5 out of 5 stars

Paper was straight forward to …

Paper was straight forward to complete.
Pricing good
Detailed paperwork to take with me.
Will continue to use your service

2 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that the process was straightforward and the pricing suited your needs. Thank you for your feedback!

Rated 4 out of 5 stars

Having no worries if some unfortunate…

Having no worries if some unfortunate thing happened to me on my trip as Southern Cross travel insurance would have looked after my needs.

1 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there, we're happy to hear that our travel insurance gave you peace of mind during your trip. Thank you for your feedback.

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