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Southern Cross Travel Insurance (SCTI) Annual Multi-Trip review

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip travel

CHOICE Expert Rating

79%
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Recommended
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Scores

CHOICE Expert Rating (%)
79%
Cover score (%)
77%
Price score
82%
Medical cover score
93%
Cancellation cover score
43%
Additional expense cover score
76%
Baggage cover score
73%

Description

Policy type
Annual
Provider
Southern Cross

Conditions

Policy age limit
110
Dependant age limit
20

Annual multi-trip

Annual travel duration
30; 60; 90

Pre-existing conditions

Pre-existing conditions covered without application
Pre-existing conditions covered on application
Time period for existing conditions
36 months

Pregnancy

Pregnancy
Pregnancy stage covered
23
Childbirth costs

Medical

Medical expenses
Unlimited
Expenses for a person to accompany a sick policyholder
Unlimited
Daily hospital cash allowance
$100.00
Hours of hospitalisation before you receive the daily hospital cash allowance
72
Dental expenses for accident or injury
$2,000.00
Dental expenses for acute pain
$2,000.00
Overseas funeral costs
$50,000.00

Additional expenses

Additional travel expenses for injury or sickness
Unlimited
Additional expenses for interrupted travel
$30,000.00
Travel insurance extension for a delayed trip
Additional expenses for a lost passport
Additional expenses for a sick relative
Additional expenses for resumption of journey interrupted for a relative
$0.00

Cancellation

Cancellation covered
Cancellation expenses
Cover chosen
Cancellation for frequent flyer points
Cancellation expenses for travel agent fees
Cover chosen
Cancellation for insolvency of a travel agent
Cancellation for insolvency of a travel services provider
Cancellation expenses for redundancy
Cancellation expenses for defence and emergency workers
Cancellation expenses for cancellation of work leave

Baggage

Baggage cover
Baggage expenses
$25,000.00
Item limit
$1,500.00
Camera limit
$3,000.00
Laptop or tablet limit
$3,000.00
Smartphone limit
$1,500.00
Prescribed medications
$500.00
Baggage in a car during the day
$25,000.00
Baggage in a car overnight
$0.00
Valuables in a car
$25,000.00
Lost or stolen cash
$500.00
Baggage lost temporarily
$1,000.00
Hours before cover applies for baggage lost temporarily
12

Special event

Additional expenses for a special event
$2,500.00
Additional expenses for pre-paid travel arrangements
$0.00

Travel delay

Travel delay expenses
$30,000.00
Hours before travel delay covered
Unlimited
Limit per 24 hours for travel delay
Unlimited

Car rental

Rental car excess
Limit for rental car excess
$10,000.00

Activities

Mopeds and motorcycles
  • Excludes mopeds with an engine capacity 125cc or below ridden without an Australian motorcylce license
  • Optional cover for motorcycles above 125cc with an Australian motorcycle license
Snow sports
  • Snowmobile and tobogganing on snow included
  • Optional cover for skiing and snowboarding on-piste
  • Off-piste excluded
Scuba diving
1
Abseiling
Bungee jumping
Hang gliding
High altitude hiking
Horse riding
Hot air ballooning
Kayaking
Paragliding
Tandem skydiving
White water rafting

Covered events

Transport incidents
Yes (includes cancellation and additional expenses for mechanical breakdowns and transport accidents)
Mental health
Yes (includes claims for mental health conditions experienced for the first time on the trip)
COVID-19
  • Includes medical and additional expenses if the policy holder contracts COVID-19
  • Cancellation expenses up to $2500 if the policy holder or a close relative contracts COVID-19
  • Excludes cancellation expenses if a close relative contracts COVID-19
Pandemic
  • Includes medical expenses for pandemics other than COVID-19
  • Excludes cancellation and additional expenses for pandemics other than COVID-19
Natural disaster
1
Civil unrest
1
Terrorism
  • Excludes cancellation and additional expenses for terrorism
  • Includes medical expenses
War

Cover summary

Medical expenses
Unlimited
Cancellation
Yes Cover chosen
Baggage
Yes 25000
Cruises
Optional

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