Southern Cross Travel Insurance Reviews 

2,579
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Evaluating 754 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently appreciate the affordable pricing, competitive rates, and the exceptionally clear online booking system that makes arranging travel coverage very simple before departure. Travelers frequently mention that the support team provides prompt assistance and handles medical or trip claims efficiently when unexpected situations occur abroad. Some reviewers were not happy with the claim process, noting that communication can sometimes be slow and initial requests for documentation lack transparency. A few consumers also reported waiting several weeks for status updates or final payouts after submitting their required paperwork and receipts.

What people talk about most

Claim

Customers consistently note ambiguous experiences with claim processes, often reporting a divide in service... See more

Service

Customers had positive experiences with service, highlighting outstanding support and complete peace of mind... See more

Price

Reviewers mention positive feedback about price, highlighting affordable and competitive rates compared to... See more

User experience

Reviewers highlight positive aspects of user experience, consistently praising the quick, straightforward,... See more

Value for money

Users describe satisfaction with value for money, frequently highlighting affordable premiums and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

What outstanding service. I had to cancel an overseas trip due to illness and SCTI paid out my claim in full and within a few days of my submission. I can’t recommend them highly enough and their prem... See more

Rated 5 out of 5 stars

Excellent communication before and after our travel. Southern Cross gave us peace of mind. I had a fall that required hospital treatment. On our return I made a claim which was handled very well wi... See more

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


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

3K reviews

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4.5

All reviews

(2,579)

669 reviews in the last 12 months

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Rated 5 out of 5 stars

An excellent and quick response

Having recently returned from a lengthy holiday in Australia where both my wife and I required medical attention we filed a claim a week after our return home and both claims were actioned and accepted the following day , so impressed with the level of cover and the incredible response time , I can’t stress enough how important it is to have all your documents , receipts and dates etc in order which is very easy to do you just need to be organised , very cost effective and efficient , we highly recommend Southern Cross , thank you and well done .

2 September 2026
Unprompted review
Rated 4 out of 5 stars

traveling internationally

Was traveling internationally to visit family.
Arranged SX travel Insurance and must compliment the company for the assistance in arranging. Having had an issue on the Website, I contacted the 0800 No and thanks to the Operator on the Line, ensuring I completed the process. It became a smooth experience.
My trip was magic and reassuring to know I was covered by a renowned company.
Would definitely go to SX again.
Thanks

28 August 2026
Rated 5 out of 5 stars

Completing the online travel insurance…

Completing the online travel insurance was simple, cost effective and when we extended our trip it was easy to get hold of an actual person to extend. I can't comment on claiming as we've not had to do that thankfully.

29 August 2026
Rated 5 out of 5 stars

What outstanding service

What outstanding service. I had to cancel an overseas trip due to illness and SCTI paid out my claim in full and within a few days of my submission. I can’t recommend them highly enough and their premiums were the lowest of all the quotes I got. They are an example to the insurance industry as to how insurance should be conducted.

31 August 2026
Unprompted review
Rated 2 out of 5 stars

I was eligible for the vouchers due to…

I was eligible for the vouchers due to delay. I have been home for 2 weeks now and still cannot access the vouchers going back an forth with staff having to repeat myslef. Thank god I wasn't in desperate need of them when our flights were canceled. Not a good enough service.

19 August 2026
Rated 5 out of 5 stars

Great experienced

Excellent communication before and after our travel.
Southern Cross gave us peace of mind.
I had a fall that required hospital treatment. On our return I made a claim which was handled very well with no fuss and paid out within 5 days.
Thank you

24 August 2026
Rated 2 out of 5 stars

OK whilst overseas, poor claims service thereafter

Little to no coordination between the overseas Emergency team and the ultimate claims team back in NZ. Seems no cross collaboration or unified technology between them. Emergency team must be an outsourced provider. Given SCTI is a NZ based company, they do not have direct relationship with hospital in Spain and therefore they have to appoint an “agent”, who in turn could not act fast enough and in fact I never even heard if they ever contacted the hospital, meaning you need to be in a position to meet costs yourself and then claim reimbursement. Fortunately I was only in hospital for one day. Then when back in NZ, between their supposed non receipt of documents via their portal, and not reading of emails properly, nor looking at history of dealings with the emergency team, it took another 8 weeks for a very simple claim to be (mostly) settled. Response times to email submissions referenced as “thank you for your email, we will likely be back to you within 48 hours” was never met not once, and typically never even got a response other than the automated response. Eventually a promised reply with the claim outcome referenced on a Friday as “I will hear early next week”, turned into another two weeks with no communication in between. When settlement finally received, items missed off incorrectly. Overall an incredibly poor level of service and I will be taking his further. I can speak reasonably positively about the emergency team who did follow up regularly, whilst I was overseas and unwell, but post that when back in NZ, it was all downhill once in the hands of the NZ claims department. I had originally given a 1 star result (and would still like to), but felt that is unfair on the emergency team who were actually OK, albeit they are not SCtI I suspect but do represent the brand. I may have given them (the emergency team) a 3+ hence settling on a 2 overall as the NZ claims team and systems definitely gets a 1.

3 July 2026
Rated 5 out of 5 stars

The services/benefits listed in the…

The services/benefits listed in the plan were peace of mind when overseas. I didn't need to claim as everything went well. But it was good to know this policy had my back. It was straightforward, not overly technical in it wording and clearly stated what it did cover.

22 August 2026
Rated 5 out of 5 stars

Excellent travel Insurance!

Cost effective, quick and easy process online. We have used SCTI for years and every time we have had to make a claim, they paid out no questions asked and no hassle. Good one SCTI, next trip we are using you yet again :-)

22 August 2026
Rated 5 out of 5 stars

Worth the $$

Traveling at peace knowing if something comes up Southern Cross is reliable & easy access.

19 August 2026
Rated 1 out of 5 stars

Had to file a claim

Had to file a claim, it is now 3 weeks since claim was 'received' have emailed twice, and finally spoke to someone today " it has yet to be assigned "...

5 August 2026

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