Southern Cross Travel Insurance Reviews 

2,474
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Evaluating 728 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the ease of arranging policies online, highlighting the straightforward application process and user-friendly navigation. Many found the pricing competitive, offering good value compared to other providers. The claim process is frequently described as smooth, hassle-free, and efficient, with payments often received promptly. Reviewers appreciate the reliable service and the sense of security provided by their coverage. However, some customers also noted dissatisfaction with the claim process, experiencing denials, significant delays in acknowledgement or payment, and administrative difficulties. A few other people also felt that the pricing could be high, especially for certain policy types or for long-term members.

What people talk about most

Claim

People report positive experiences with claim, noting that the process is often straightforward and... See more

Service

Customers had positive experiences with service, often highlighting the ease of arranging coverage and the... See more

Price

Users describe positive interactions with price, often highlighting competitive and reasonable rates, even... See more

User experience

Clients share positive opinions on user experience, with many reviewers finding the process of finding and... See more

Value for money

Consumers express satisfaction with the value for money, finding the rates reasonable and the cover provided... See more

Reviews shaping this summary

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

Fortunately, I was not in need of my insurance for this trip, however I would not travel without it. I always use Southern Cross travel insurance as it is easy to buy online and the cost is reasonab... 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

2K reviews

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4.5

All reviews

(2,474)

724 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 4 out of 5 stars

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
Southern Cross Travel Insurance logo

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!

Rated 4 out of 5 stars

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
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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.

Rated 5 out of 5 stars

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
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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!

Rated 5 out of 5 stars

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
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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!

Rated 5 out of 5 stars

It was really good cover everything in…

It was really good cover everything in case you need in any emergency and possibly the the best bank for your buck insurance .

1 July 2026
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Reply from Southern Cross Travel Insurance

We're so glad to hear our insurance provides excellent coverage for emergencies and offers great value. Thank you for your wonderful feedback!

Rated 5 out of 5 stars

Good claim process and result

Our flight home was diverted due to bad weather, delaying our return home by 2 days. It was straight forward to lodge our claim for the related accommodation and travel expenses, and it was approved and paid promptly.

29 June 2026
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Reply from Southern Cross Travel Insurance

We're glad to hear that despite the unexpected delay due to weather, the process for your accommodation and travel expenses was straightforward and handled promptly. We appreciate you sharing your experience.

Rated 5 out of 5 stars

Easy to deal with & well priced

Easy to deal with. I called while away to check I was covered for paragliding. The person I spoke to was very helpful.

1 July 2026
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Reply from Southern Cross Travel Insurance

We're so happy to hear our team provided helpful assistance regarding your paragliding coverage. Thank you for sharing your positive experience!

Rated 5 out of 5 stars

It was fast nd easy to get a…

It was fast nd easy to get a quuoteandwell explained

1 July 2026
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Reply from Southern Cross Travel Insurance

We're happy to hear that getting a quote was fast and easy for you. We appreciate your positive feedback!

Rated 5 out of 5 stars

Easy to manage

Good policy which covered all that I needed for my travels. Friendly and helpful support. Well priced.

1 July 2026
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Reply from Southern Cross Travel Insurance

We're so glad our policy met your travel needs and that our support was friendly and helpful. We appreciate your kind words about our pricing.

Rated 5 out of 5 stars

Reassuring travel insurance providing…

Reassuring travel insurance providing cover when it is needed.
Fortunately I did not need it as my travel was incident free.

29 June 2026
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Reply from Southern Cross Travel Insurance

We're so glad to hear your travel was incident-free and that our insurance provided reassurance. Thank you for your kind words.

Rated 5 out of 5 stars

We didn't have to claim which was great…

We didn't have to claim which was great however it was great to know that we were covered if something had gone wrong.

29 June 2026
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Reply from Southern Cross Travel Insurance

We are so glad to hear that you felt secure knowing we had you covered. Thank you for your kind words!

Rated 4 out of 5 stars

It was easy to organise online

It was easy to organise online, just choose the cover you required, tick any extras you may also need and it gives you a total to pay.
I compared southern cross to a couple of others and they still had the better cover for the price.
Luckily we didn’t need to use our travel insurance, so I can’t comment on the claim procedure.
I would definitely use them again based on value of cover provided.

28 June 2026
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Reply from Southern Cross Travel Insurance

We're so glad to hear that our online process was easy to navigate and that you found our cover to be great value. It's wonderful to know that you would consider using us again. We appreciate you sharing your positive experience!

Rated 4 out of 5 stars

Thank you for insuring us

Thank you for insuring us
Excellent

28 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We are so happy to hear that you had an excellent experience with our services. Thank you for your kind words!

Rated 1 out of 5 stars

Awful experience

Had an awful experience with Southern Cross Travel Insurance who denied my claim on the pretext my possible prolapsed disk was a pre-existing condition because I told the Osteo my back had been a bit sore for a few weeks before the acute event happened. We are talking night and day though in terms of affect on my life - a somewhat sore back I was functioning completely normally and still working, doing hikes, etc - the acute possible prolapsed disk I couldn't even walk. Hideous experience from assessor named James who flatly refused to phone the Osteo and speak to them to get more information. Never have I had such poor customer experience from a NZ company - had to cancel Raro trip and lost thousands. I would never, ever use Southern Cross Travel Insurance again.
UPDATED: after getting the standard SCTI response below I have not changed my view so poorly has my situation been treated.

1 July 2026
Unprompted review
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi Carl. We’re sorry to hear about your experience - that sounds like it would have been frustrating and disappointing, especially given the impact it’s had on your plans. This is not how we want our customers to feel. We understand how complex and difficult situations like this can be, particularly when it comes to medical conditions and how they’re assessed under a policy. It’s important to us that these conversations are handled with care, clarity and respect, and we’re sorry if that wasn’t your experience. We’d appreciate the opportunity to look into this further and better understand what’s happened here. If you’re open to it, please get in touch with us directly so we can review your case and see how we can support you. Thank you for taking the time to share your feedback.

Rated 5 out of 5 stars

So nice and easy to deal with

So nice and easy to deal with. Was happy I chose Southern Cross. Thanks team

26 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We are so happy to hear that your experience with us was positive and easy. Thank you for choosing Southern Cross; we truly appreciate your kind words.

Rated 5 out of 5 stars

I purchased this product because it…

I purchased this product because it covered everything that I needed it to for traveling to a couple of countries. The price was good and while I didn't need to make a claim it was great to know I had this in place.

26 June 2026
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Reply from Southern Cross Travel Insurance

We're so glad our product met your travel needs and provided peace of mind during your trip to multiple countries. Thank you for your positive feedback!

Rated 5 out of 5 stars

Great company for travel insurance

Fortunately, I was not in need of my insurance for this trip, however I would not travel without it. I always use Southern Cross travel insurance as it is easy to buy online and the cost is reasonable.
We had a large medical claim a few years ago while in the USA and the Southern Cross team was amazing.

6 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We appreciate you sharing your positive experience with us. It's wonderful to know that our online purchasing process and reasonable costs meet your expectations. We are especially glad to hear that our team provided amazing support during your medical claim in the USA. We value your continued trust in our travel insurance!

Rated 1 out of 5 stars

Glasses

My husband had a fall and damaged his glasses. The accident was documented by the resort and he had various injuries consistant with a fall. Upon our return when he contacted Southern Cross regarding repair or replacement he was advised that glasses were not covered.
Disappointing.

4 April 2026
Unprompted review
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We are truly sorry to hear about your husband's fall and the damage to his glasses. We understand your disappointment regarding the coverage. We are always reviewing our policies and appreciate you bringing this to our attention. Take care.

Rated 5 out of 5 stars

Piece of mind

We had piece of mind knowing we were covered in case of some sort of disaster while on holiday
I have Health Insurance through your company so was a natural continuation.

23 June 2026
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Reply from Southern Cross Travel Insurance

We're so glad to hear that our coverage provided you with peace of mind during your holiday. We appreciate your continued trust in our services!

Rated 5 out of 5 stars

Insurance

Easy to apply, competetitive rates, gave us the appropriate cover for peace of mind.

24 June 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so glad we could provide you with competitive rates and the appropriate cover for your peace of mind. We appreciate your feedback!

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