Southern Cross Travel Insurance Reviews 1,954

TrustScore 4.5 out of 5

4.5

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the straightforward and efficient online process for purchasing travel insurance, highlighting the ease of obtaining quotes and the clarity of policy information. People frequently mention the peace of mind they feel knowing they are covered, even when they don't need to make a claim. The app and the website are easy to use. Consumers often praise the value for money and comprehensive coverage offered. The level of service is highly regarded, with reviewers noting prompt and clear communication. While opinions on claims handling are mixed, the overall sentiment towards the service and price remains strongly positive.

Based on these reviews

Rated 5 out of 5 stars
Verified

We had a travel delay on our return and I informed SCI of our delay caused by the airline. By the time we got home instructions from SCI were waiting for us on how to make a claim which was settled ve... See more

Rated 5 out of 5 stars
Verified

Easy to complete and get the insurance needed for peace of mind. Had a great get away, with no issues and therefore I thankfully didn't experience what it would be like to complete a claim. I can onl... See more

Rated 5 out of 5 stars
Verified

It was a lovely feeling to have, real peace of mind knowing that I didn't have to think about my travel expenses/insurance if something went wrong- it was in place, ready and waiting if I needed help... See more

Rated 5 out of 5 stars
Verified

Nothing went wrong on our trip, so I didn’t need to make any claim, but I had peace of mind knowing I was fully insured. The week before our trip to Vietnam there was a typhoon and the week after we... See more

Rated 3 out of 5 stars
Verified

A really easy way to sort out travel insurance. The website was clear and straightforward, the questions were uncomplicated. We have always used Southern Cross for our travels, they are trustworthy... See more

Rated 5 out of 5 stars
Verified

Your quick responses and quotation were very helpful and when we extended our stay in the United States, your same top level service kicked in! Thanks we'll use you again for sure!

Rated 3 out of 5 stars
Verified

I completely trust this service but am not pleased with the timeframe which they took to give me my money and also the estimated timeframe they gacve me was way off

Rated 5 out of 5 stars
Verified

Travel insurance is worth the peace of mind, easy to set up and be covered for anything unexpected, Southern Cross make the whole process seemless :)

Rated 5 out of 5 stars
Verified

Southern Cross travel insurance was fantastic. So professional, checked in with us every step of our journey and we felt safe with them. Had the worst experience with Allianz last year and will only u... See more

Rated 3 out of 5 stars
Verified

Travel was interrupted by weather in Auckland. We didn’t want to keep the new flight air New Zealand booked us on ( was next day and then outside of our insured period). I called southern cross to en... See more

Rated 5 out of 5 stars
Verified

I did need to make a small claim, I’m yet to process it, but just knowing I had this safety net from Southern Cross helped me sleep at night and I also narrowly avoided the Bali floods.. that could ha... See more

Rated 4 out of 5 stars
Verified

Booking the insurance online was quick and easy. The insurance gave me peace of mind, knowing if anything happened neither myself or my husband had to worry about any medical bills.

Rated 5 out of 5 stars
Verified

Awesome and fast to deal with. Had a minor medical event while away. Had to make a claim it was very quick and easy on line. And my claim was accepted within 48 hours. Will definitely use Southern C... See more

Rated 5 out of 5 stars
Verified

Thankfully, we didn't need to use our travel insurance. Getting the quote and sorting it all out online was really quick and easy. Good for peace of mind.

Rated 4 out of 5 stars
Verified

It’s important to realise that travel insurance is just that, an important safety document which hopefully, you won’t have to use, but peace of mind on the off chance that you do. That’s money well sp... See more

Rated 5 out of 5 stars
Verified

You often book travel insurance with the hope you won't need to use it! My toddler had a medical while overseas, and Southern Cross insurance were so incredible to deal with. From genuine care and c... See more

Rated 5 out of 5 stars
Verified

I used SCTI because I have used them before. It was a simple process to organise and pay for my travel insurance online. I always carry copies of my documents with me when I travel.Fortunately everyth... See more

Rated 4 out of 5 stars
Verified

I found the process of arranging travel insurance very easy. The cover was more than sufficient for my needs and the premium was not overly expensive considering my length of travel. Luckily I did n... See more

Rated 5 out of 5 stars
Verified

Easy to use website. Easy and quick to change and update when one travellers health condition changed . Thanks for a great experience southern cross travel insurance.

Rated 5 out of 5 stars
Verified

Easy sign up, clear explanation of coverage. Comprehensive cover with good value for money. Keep it up!

Rated 5 out of 5 stars
Verified

I lost my phone during the trip in Sydney. And my claim was taking care within a few days by the team with a reasonable solution.

Rated 5 out of 5 stars
Verified

I needed cover due to existing health conditions and was lucky enough to be able to pay extra to have that covered. I didn't need to use the Insurance but it gave me peace of mind just in case. I foun... See more

Rated 5 out of 5 stars
Verified

Very good service, fast and clear communication. Glad my mother had medical insurance and southern cross help us when needed. Thank you so much

Rated 3 out of 5 stars
Verified

Great until I got home & tried to make a claim. I entered my details into My SCTI & got "Policy already assigned." I sent an email to My SCTI help centre which couldn't be delivered. Have to wait unti... See more

Rated 5 out of 5 stars
Verified

I took an annual policy as I had a number of tripss planned. While I didn't need to make any claims, I did need to add countries as my plans changed. Easy process and great communication. Also felt th... See more

Rated 5 out of 5 stars
Verified

This time our trip was very long and complicated. We overcome a few problems also we were very lucky. We have Southern Cross Travel insurance, we feel calm and confidence. Thanks for your suppor... See more

Rated 5 out of 5 stars
Verified

We knew we were covered for medical. Issues for 8 weeks, this helped us to be stress-free and enjoy. We did not need any claims this time, but won't travel without this insurance again. Thanks Southe... See more

Rated 4 out of 5 stars
Verified

Good value medical insurance. Peace of mind while traveling. You never know when something might not go how you planned it.

Rated 5 out of 5 stars
Verified

Have had to place claims with Southern Cross previously and have never had any issues. One trick to beware of is when obtaining verification number, this can go into spam.

Rated 5 out of 5 stars
Verified

Buying the travel insurance on-line meant no delays, it was quick, easy, and comprehensive. No delay for quotes and policy was emailed straight through.

Rated 5 out of 5 stars
Verified

Having more peace of mind with good travel insurance is invaluable as it helps me to relax more while on holiday or otherwise away from New Zealand.

Rated 3 out of 5 stars
Verified

I had an issue with the cover but the challenge was the inaccurate and then lack of communication from SX. The issue was finally resolved at the 11th hour before we left. Product is good but very dis... See more

Company replied

Rated 5 out of 5 stars
Verified

Very easy to do in my phone on line even with so of my heath problems. And way cheaper and Easter than others . Thank you southern cross

Rated 5 out of 5 stars
Verified

Am happy with the insurance. Will always use southern cross as the service is hassle free and easy.

Rated 5 out of 5 stars
Verified

Easy to fill in application on line. Then total piece of mind we were covered for every contingency.

Rated 3 out of 5 stars
Verified

Luckily I didn’t need to use the travel insurance but it was peace of mind for me while travelling for 7 weeks.

Rated 4 out of 5 stars
Verified

I had to stay longer overseas due to circumstances . Therefore i asked to extend my policy and they helped me out with that.

Rated 5 out of 5 stars
Verified

Easy to book online, can’t comment on claiming as thankfully did not have to do this.

Rated 5 out of 5 stars
Verified

Because it was so easy to get travel insurance with Southern Crosd

Rated 5 out of 5 stars
Verified

Easy to purchase, no hassles, cover was great and the price was better than most others

Rated 5 out of 5 stars
Verified

I bought this insurance when working in NZ as a locum doctor. Unfortunately I had an Emergency room visit during my stay. SCTI had a reasonable online claims process and my claim was settled in the ti... See more

Rated 4 out of 5 stars
Verified

Easy to use and understand Able to make decision to use the product while on line Remain unsure if already having Southern Cross health care means you are covered anywhere in NZ if undertaking domes... See more

Rated 5 out of 5 stars
Verified

I got sick and called the helpline, and they were very clear on what I needed to do and how to ensure a claim would be paid. I submitted the claim when I returned, and it was approved and paid quickl... See more

Rated 5 out of 5 stars
Verified

The process was straightforward and clear. Everything worked smoothly and met my expectations.

Rated 4 out of 5 stars
Verified

easy to apply for online, when I had to change information about what countries I was visiting all it took was a simple phone call.

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Company details

  1. #1 of 1 best companies in Travel Insurance Company
  2. #2 of 3 best companies in 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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Replied to 58% of negative reviews

Typically replies within 2 weeks


Rated 4 out of 5 stars
Verified

suggesting for admin improvement

Great products. It does take some time to fill in all the medical info when travelling with my disabled son. Would be great if you could keep our profile on hand so that it isnt as onerous online each time

10 October 2025
Rated 5 out of 5 stars
Verified

Very easy to purchase online

Very easy to purchase online, and I have purchased travel insurance before from Southern Cross. I didn't need to make a claim, but felt confident the claiming process would be as seamless as the purchasing process.

10 October 2025
Rated 5 out of 5 stars
Verified

Elgo…

We thankfully made no claims on our Southern Cross insurance, but it was reassuring to be covered following refusal to provide travel cover by the ANZ Bank insurers for age related reasons..

8 October 2025
Rated 5 out of 5 stars

Excellent travel insurance provider

Excellent travel insurance provider. I have used SCTI for years and have had to make a claim once in the past and now again on my recent trip I had to cancel due to unforeseen circumstances. Initially SCTI said my claim may not qualify as per clause…… but to still put a claim forward for assessment. I have now been advised they are going to cover the remaining cost of my return flights (less standard $100 excess of course) that I wasn’t able to be refunded from Emirates. I really thought it was a long shot, beyond rapt. Will always use SCTI!

12 October 2025
Unprompted review
Rated 5 out of 5 stars
Verified

Quick and easy

Thankfully, we didn't need to use our travel insurance. Getting the quote and sorting it all out online was really quick and easy. Good for peace of mind.

6 October 2025
Rated 5 out of 5 stars
Verified

You need insured

I lost my phone during the trip in Sydney. And my claim was taking care within a few days by the team with a reasonable solution.

6 October 2025
Rated 5 out of 5 stars
Verified

Excellent Service

We had a travel delay on our return and I informed SCI of our delay caused by the airline. By the time we got home instructions from SCI were waiting for us on how to make a claim which was settled very quickly. Previous experience of other travel insurance companies this was so much more straightforward and user friendly.

6 October 2025
Rated 5 out of 5 stars
Verified

Worth the peace of mind

Travel insurance is worth the peace of mind, easy to set up and be covered for anything unexpected, Southern Cross make the whole process seemless :)

22 September 2025
Rated 5 out of 5 stars
Verified

Easy to get cover online

Easy to complete and get the insurance needed for peace of mind. Had a great get away, with no issues and therefore I thankfully didn't experience what it would be like to complete a claim. I can only presume it would all be stress free.
Until my next flight away 🙃

6 October 2025
Rated 4 out of 5 stars
Verified

Easy to use and understand

Easy to use and understand
Able to make decision to use the product while on line
Remain unsure if already having Southern Cross health care means you are covered anywhere in NZ if undertaking domestic travel

5 October 2025
Rated 5 out of 5 stars
Verified

Awesome and fast to deal with

Awesome and fast to deal with. Had a minor medical event while away. Had to make a claim it was very quick and easy on line. And my claim was accepted within 48 hours. Will definitely use Southern Cross again in the future.

4 October 2025
Rated 5 out of 5 stars
Verified

Easy sign up

Easy sign up, clear explanation of coverage. Comprehensive cover with good value for money. Keep it up!

4 October 2025

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