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
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
2K 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
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!
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
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!
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
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.
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
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!
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!
Easy to manage
Good policy which covered all that I needed for my travels. Friendly and helpful support. Well priced.
1 July 2026
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.
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
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.
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
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!
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
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!
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!
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
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.
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
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.
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
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!
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.