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
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
What people talk about most
Reviews shaping this summary
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
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
The application on the website was easy to use and navigate. I do have existing health issues that increased the premium but I do understand that insurance is based on risk. Very prompt acceptance... See more
Company details
- #1 of 1 best companies in Travel Insurance Company
- #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 moreMulti 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 moreMedical only cover
Designed with the budget-conscious traveller in mind. This policy provides essential medical cover for your overseas adventures. Learn moreKiwi adventures
Designed for trips taken within NZ, this policy covers you for unexpected events like cancellations, rental vehicle excess and more! Learn moreCover for your big OE
Quality protection designed for New Zealand travellers planning to live or work overseas. Learn moreStudying in New Zealand
Comprehensive cover for international visitors while they're living and studying here in New Zealand Learn moreNon-resident cover
This policy is designed for international visitors coming to New Zealand to holiday, to live or for work. Learn moreWritten by the company
Trusted by travellers
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
155 Fanshawe Street, 1010, Auckland, New Zealand
- 0800 800 571
- info@scti.co.nz
- scti.co.nz
4.5
Excellent
3K reviews
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.
Reply from Southern Cross Travel Insurance
We are so glad to hear that obtaining your online cover was a quick and easy process for you. We appreciate your positive feedback!
Reply from Southern Cross Travel Insurance
We are so glad you enjoyed your experience with us and found our offerings to be both good and affordable. Thank you for your wonderful feedback!
Disappointing Discount
Easy to sign up, a terrible discount for long term members, though a must to have while travelling.
12 July 2026
Reply from Southern Cross Travel Insurance
We appreciate your feedback regarding the long-term member benefits and the ease of signing up. We are always working to improve our offerings. Take care.
The flight delay assist feature great couldnt access
The flight delay assist feature within the policy is a great idea however at the time I recieved the link to register and I was too late and then on the flight home I was on a loop from the website travelcaredelayassist.co.nz asking me to reset my password and then sending me the 6 digit code that never came so a bit of a time waster.
11 July 2026
Reply from Southern Cross Travel Insurance
We are sorry to hear about the difficulties you experienced with our flight delay assist feature, especially with the registration link and the password reset loop. We understand how frustrating this must have been. We are always looking into any technical issues to improve our service. Thanks for letting us know. Take care.
Reply from Southern Cross Travel Insurance
We're so happy to hear you found our process easy and our pricing good! We appreciate your kind words.
Very easy to apply and reasonable rates…
Very easy to apply and reasonable rates as well. This was my first time applying for travel insurance and I highly recommend it as I had a peace of mind while I was overseas. Thank you!!!!
10 July 2026
Reply from Southern Cross Travel Insurance
We're so happy to hear that our travel insurance provided you with peace of mind during your trip. Thank you for your kind words and recommendation!
Reply from Southern Cross Travel Insurance
We appreciate your feedback regarding our pricing structure. We understand that the cost of add-ons can be a concern, and we are always reviewing our offerings to provide the best value.
Travel Insurance - easy and quick
Application online - really easy.
Two of us travelling - really easy to apply for travel insurance for both at the same time in one policy.
Different options for different excesses - really easy to pick what I wanted (ie to balance cost of the insurance v how much was the excess).
Pre-existing medical conditions - really easy, guided questions and all of our pre-existing conditions were included and could be covered (had to pay an extra fee).
Emails from SCTI before leaving reminding me of SCTI contact details and ability to update policy if required. And was easy to put the insurance policy number on the NZ government MFAT safe travel website.
Thankfully didn't have to make a claim - but was really good to know had it if required.
8 July 2026
Reply from Southern Cross Travel Insurance
We are so pleased to hear that your experience with our online application process was straightforward and that you found it easy to apply for travel insurance for both of you on a single policy. It's wonderful to know that our options for different excesses and the guided questions for pre-existing medical conditions met your needs and provided clarity. We are also glad that our pre-departure emails were helpful reminders. We appreciate you sharing your positive feedback and are happy that we could provide peace of mind for your travels.
Proof is in the pudding
It’s difficult to rate a travel insurance product if you don’t have need to claim on it, which I didn’t.
Signing up for the insurance policy was simple and it seemed to be the best value product, and the App is handy to have.
8 July 2026
Reply from Southern Cross Travel Insurance
We're happy to hear that signing up for our insurance was simple and that you found our product to be of good value. We appreciate your positive feedback on our app as well.
Reply from Southern Cross Travel Insurance
We're happy to hear that our sign-up process was straightforward for you. We appreciate your positive feedback!
Just knowing that I was covered …
Just knowing that I was covered was fantastic. Filling out the on-line form was easy to do.
I did not have to make a claim on this trip so unable to report on the claim side.
I did feel that the cost of the policy was a little on the high side ? Maybe they could look at if no claims were made you get a 20% refund ?
22 April 2026
Reply from Southern Cross Travel Insurance
We're glad our online form was easy to use and provided peace of mind. We appreciate your feedback regarding policy costs and your suggestion for a no-claims refund; we continuously evaluate our offerings. Take care.
Reply from Southern Cross Travel Insurance
We're happy to hear that setting up was easy and our guidelines are clear. We appreciate your positive feedback!
Reply from Southern Cross Travel Insurance
Thanks for your positive review!
Luckily i didn't need your insurance so…
Luckily i didn't need your insurance so I sm pretty neutral in my opinion.
5 July 2026
Reply from Southern Cross Travel Insurance
We appreciate you sharing your experience. We are here if you ever need our services in the future.
I didn’t need it so I can’t say but it…
I didn’t need it so I can’t say but it is very expensive considering I am a southern cross member and have been for 14 years.
3 July 2026
Reply from Southern Cross Travel Insurance
We appreciate your feedback regarding our pricing, especially as a long-standing member. We're always reviewing our offerings to ensure we provide value to our customers. Please note that Southern Cross Health Insurance and Southern Cross Travel Insurance are separate businesses, although both are part of the Southern Cross group. Take care.
We had an unfortunate incident wich…
We had an unfortunate incident wich caused damage to a passport.
We contacted you and were given good advice and reassurance that this was going to be covered if it affected our travel arrangements.
3 July 2026
Reply from Southern Cross Travel Insurance
We appreciate you sharing your experience. We are glad our team provided helpful advice and reassurance regarding your passport incident and potential travel impact.
Was easy to talk to person on phone who…
Was easy to talk to person on phone who gave me the insurance. Listened to me about my medical condition and recommended the right insurance
19 June 2026
Reply from Southern Cross Travel Insurance
We're glad to hear our team provided excellent service and found the right insurance for your medical condition. We appreciate your positive feedback!
Helpful and responsive whilst I was…
Helpful and responsive whilst I was needing medical services overseas. Booked follow up appointments for me and pre-arranged the cover!
3 July 2026
Reply from Southern Cross Travel Insurance
We're so glad we could provide helpful and responsive support with your medical services overseas, including arranging follow-up appointments and pre-arranging cover.
Easy to navigate
I didn't end up needing to claim anaything but the experience of finding the right type of coverage and purchsisng that coverage was really easy. thank you
3 July 2026
Reply from Southern Cross Travel Insurance
We're so happy to hear that finding and purchasing the right coverage was an easy experience for you. Thank you for sharing your positive feedback!
No regrets travel insurance
Southern Cross travel insurance is easy to arrange online at competitive prices and they are a reliable provider. While I did not need to draw on my insurance policy on my most recent trip, from past experience I know they'll come through for me when needed.
3 July 2026
Reply from Southern Cross Travel Insurance
We are so glad to hear that you find our online arrangement process easy and our prices competitive. It's wonderful to know that you consider us a reliable provider and that your past experiences have been positive. Thank you for your kind words!
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.
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.