Southern Cross Travel Insurance Reviews 

2,510
TrustScore 4.5 out of 5

4.5

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

Looking at 753 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the ease of their online user experience, finding the application process straightforward and quick. Many people highlight the competitive and reasonable pricing, often noting excellent value compared to other providers. The claims process is frequently described as smooth, hassle-free, and efficient, with payments often received promptly, providing peace of mind. Reviewers appreciate the reliable and helpful service, making them feel secure during their travels. However, some customers noted difficulties with the claims process, experiencing administrative issues, delays in acknowledgement, or even having claims denied due to pre-existing conditions. A few others felt the policy was a waste of money or expressed general dissatisfaction with the service provided.

What people talk about most

Claim

Users describe positive interactions with claim, highlighting a straightforward process, prompt... See more

Service

Reviewers highlight positive aspects of service, with many praising the excellent and efficient support... See more

Price

Customers consistently note positive experiences with price, often finding it competitive and reasonable... See more

User experience

People report positive experiences with user experience, consistently highlighting the ease and speed of... See more

Value for money

Clients share positive opinions on value for money, with many finding the coverage and pricing reasonable and... 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

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. 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

3K reviews

5-star
4-star
3-star
2-star
1-star

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.

4.5

All reviews

(2,510)

689 reviews in the last 12 months

Write a review
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 5 out of 5 stars

Good value for money and peace of mind..

The Southern Cross Policy was easy to understand in terms of benefits and services for two people and was the best value for money to give us peace of mind..

14 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so glad our policy provided peace of mind and was easy to understand. We appreciate your positive feedback!

Rated 4 out of 5 stars

no claim made

no claim made, so didn't have to find out about claims process.

9 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're glad to hear things went smoothly for you. We aim for a hassle-free experience.

Rated 5 out of 5 stars

Easy and quick to sign up would…

Easy and quick to sign up would definitely do again

12 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so glad you found the sign-up process easy and quick! We appreciate your kind words.

Rated 5 out of 5 stars

Easy to sort!

Easy to sort!
All done online with no drama. Felt comfortable while away that I would be looked after should it be needed.

10 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so glad to hear you found everything easy and felt secure. Thank you for your kind words!

Rated 5 out of 5 stars

Booking travel insurance to Rarotonga…

Booking travel insurance to Rarotonga with SCTI was so easy via the website.
Covered scootering around the island with a very low additional charge. I think the price for both of us was better than other Companies and given Southern Cross have been around a long time, I am confident they would be great to deal with if a claim was required.

12 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're so happy to hear that booking your travel insurance was easy and that you found our pricing competitive. We appreciate your confidence in us.

Rated 4 out of 5 stars

Easy to apply the travel insurance…

Easy to apply the travel insurance online and smooth process to claim my medical expenses. Thanks

11 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're glad to hear you found the online application easy and the claims process smooth. Thank you for your positive feedback!

Rated 5 out of 5 stars

I have not actually used it

I have not actually used it, but taken as standby for situations unexpected. So guess it must have been wonderful for those who needed it.

11 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We appreciate you taking the time to share your thoughts. We are glad our product offers peace of mind.

Rated 5 out of 5 stars

Easy to do

Easy to do, competitive pricing.

8 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We're happy to hear you found it easy and the pricing competitive. We appreciate your feedback.

Rated 1 out of 5 stars

So my husband broke his tooth in Bali

So my husband broke his tooth in Bali - I reported it straight away - I tried to do it online but it wouldn’t accept my policy number and then I heard back that the work needed to be done in Bali and not when we returned 2 days later in NZ! I won’t use your company again

9 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there. We are sorry to hear about the difficulties you faced with your husband's tooth injury and our online system. We appreciate you sharing your experience, and we are reviewing your feedback to improve our processes. Take care.

Rated 5 out of 5 stars

Outstanding

Outstanding, prompt outcome received on my claim.
The personalised letter from Julie demonstrates soneone who cares and I am not just a number.

12 May 2026
Unprompted review
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi Lynne! We are so pleased to hear about your positive experience with Julie and the prompt outcome of your claim. We truly value your kind words.

Rated 5 out of 5 stars

Easy

Easy, simple, quick to get cover. Price was better than others I tried

8 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

We are so glad you found our service easy and quick. Thank you for your feedback!

Rated 5 out of 5 stars

easy to use

easy to use - have not had to make a claim - so unsure of the additional services.

5 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there. We're happy to hear that it's easy to use! We appreciate your feedback and hope our additional services meet your expectations, should you need them in future. Take care.

Rated 5 out of 5 stars

Worth the Purchase

The policy gave me peace of mind that should we have to access the insurance, it covered all the incidents we considered could happen and that the process for claiming was clear and straightforward. I was also impressed that we received an email outlining the process just before we travelled, and an email when we completed our travel, and information we needed in the event we needed to make a claim. In addition, the cost of cover was fare and reasonable.

8 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi Elena. We're happy to hear that our policy provided you with peace of mind and that the claiming process seemed clear. We appreciate your feedback regarding the helpful pre and post-travel information, and we're glad you found the cost reasonable. Thank you! Take care.

Rated 5 out of 5 stars

Simplistic insurance process

Luckily I didn’t need to claim for anything but the simplicity of taking out the insurance is great.

9 October 2025
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi Sue. We're happy to hear that taking out the insurance was a simple process for you. Thank you for sharing your positive experience with us.

Rated 5 out of 5 stars

So easy to get the quote and fast…

So easy to get the quote and fast handling will use again

3 May 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi Jax. We're happy to hear that getting a quote was easy and the handling was fast. We appreciate your feedback and future business!

Rated 5 out of 5 stars

Peace of mind.. trustworthy

Its the peace if mind knowing that I will be taken cared off on the time I need the most. Fast and efficient claims expierience. Very easy to use on the app.

28 April 2026
Southern Cross Travel Insurance logo

Reply from Southern Cross Travel Insurance

Hi there. We're happy to hear that our services offer you peace of mind. It's great to know you had a fast and efficient claims experience and found the app easy to use. Thanks for your 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.

Take a closer look