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Southern Cross Travel Insurance (SCTI) Medical Only review

Southern Cross Travel Insurance (SCTI) Medical Only travel

CHOICE Expert Rating

63%
What is the CHOICE Expert Rating?
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Good Points

No good points available.

Bad points

Bad Points

No bad points available.

Recommended products

Recommended
Not recommended

Scores

CHOICE Expert Rating (%)
63%
Cover score (%)
43%
Price score
92%
Medical cover score
92%
Cancellation cover score
Additional expense cover score
3%
Baggage cover score

Description

Policy type
One trip
Provider
Southern Cross

Conditions

Policy age limit
110
Dependant age limit
20

Annual multi-trip

Annual travel duration
N/A

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
$15,000.00

Additional expenses

Additional travel expenses for injury or sickness
$0.00
Additional expenses for interrupted travel
$0.00
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
$0.00
Cancellation for frequent flyer points
Cancellation expenses for travel agent fees
$0.00
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
$0.00
Item limit
$0.00
Camera limit
$0.00
Laptop or tablet limit
$0.00
Smartphone limit
$0.00
Prescribed medications
$0.00
Baggage in a car during the day
$0.00
Baggage in a car overnight
$0.00
Valuables in a car
$0.00
Lost or stolen cash
$0.00
Baggage lost temporarily
$0.00
Hours before cover applies for baggage lost temporarily
N/A

Special event

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

Travel delay

Travel delay expenses
$0.00
Hours before travel delay covered
N/A
Limit per 24 hours for travel delay
N/A

Car rental

Rental car excess
Limit for rental car excess
$0.00

Activities

Mopeds and motorcycles
Snow sports
  • Snowmobile and tobogganing on snow not excluded
  • All other snow sports 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
No (excludes cancellation and additional expenses for transport accidents and mechanical breakdowns)
Mental health
  • Excludes cancellation and additional expenses for mental health conditions experienced for the first time on the trip
  • Includes medical expenses
COVID-19
  • Includes medical expenses if the policy holder contracts COVID-19
  • Excludes cancellation and additional expenses for 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
  • Excludes cancellation and additional expenses for natural disaster
  • Includes medical expenses
Civil unrest
  • Excludes cancellation and additional expenses for civil unrest
  • Includes medical expenses
Terrorism
  • Excludes cancellation and additional expenses for terrorism
  • Includes medical expenses
War

Cover summary

Medical expenses
Unlimited
Cancellation
Baggage
Cruises

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