How do I find the best travel insurance?

How do I find the best travel insurance?




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With so many options out there, finding the best travel insurance for your trip can be difficult. Hidden fees and exclusions, legal jargon and flashy marketing can leave you confused and frustrated when all you want is the best cover at the best price.

The best travel insurance doesn’t always mean the cheapest insurance. Make sure that you choose a policy that has the right level of cover for you, so you can travel with peace of mind. For example, if you only travel once a year, then a single trip policy might be your best option. However, if you’re a frequent flier who is likely to be overseas more than twice a year, an annual multi-trip policy might save you time and money.

When comparing travel insurance, look at the different benefits and excess options, and decide what is most important to you. The best place to find this information is in the policy wording, where you’ll also find any exclusions. Whilst this might not be the most thrilling read, it’s important to understand how you’re covered, as it could mean the difference between your claim being paid or declined.

At Southern Cross Travel Insurance (SCTI), we’re committed to providing comprehensive and affordable cover, so you can protect yourself and your family overseas.


We cover what’s important

When you protect yourself with a TravelCare policy from SCTI, you’ll be able to travel with confidence knowing you’re protected if the unexpected happens overseas and you need to make a claim. Our award-winning TravelCare policy includes cover for*:

Two girls on a surfing holiday

Activities we cover

Whether it’s getting out of your comfort zone, ticking off items on your bucket list, or simply exploring a new city with the family, travel is all about adventure. That’s why our TravelCare policy includes medical cover for adventure activities like*:

  • Snorkelling
  • Surfing
  • Mountain biking
  • Bungy jumping
  • Skydiving
  • Skateboarding
  • Hang gliding
  • Zip lining
  • Canoeing
  • Horse riding
  • Water skiing
  • Windsurfing


Why choose us

Below are just some of the reasons why travellers choose SCTI to protect themselves and their families overseas.

New Zealand’s leading provider

We’ve been providing travel insurance since 1982, and now have over 35 years’ experience as a specialist travel insurer.

We cut out the middleman

At SCTI, we provide travel insurance direct to you. We’re the underwriter and the insurer, meaning we’re able to cut out the middleman and provide our comprehensive travel insurance at a great price. Additionally, our team of experts are all based in our head office in Auckland.

Award winning travel insurance

We’re proud to have been awarded the competitive CANSTAR Outstanding Value International Travel Insurance Award 2018.

We’re also proud to have achieved a 4.6/5** star rating on Feefo. Over 1,800** customers have left their honest reviews of SCTI, with the vast majority rating us as 5/5 stars.

Medical care overseas

Worldwide emergency assistance

When you protect yourself with a policy from SCTI, you also gain access to our dedicated worldwide emergency assistance team, who are available 24 hours a day, 7 days a week.

Our Emergency Assistance team have over 25 years of service excellence, and include multi lingual staff who can liaise directly with your overseas doctors and hospital staff.

If you get sick overseas and need an air ambulance to take you home, we have access to medical professionals who can escort you back to New Zealand. We can also help with other aspects of travel, such as arranging flights home if you’ve missed a flight through no fault of your own. Find our more >>

Unlimited medical and evacuation cover*

Getting sick or injured on holiday can be a traveller’s nightmare. We offer unlimited medical and evacuation cover for unexpected events that arise while overseas on your journey because we want to ensure you get the help you need to be able to return home safe and sound. We can also provide a cash allowance to make your hospital stay more comfortable, cover extra travel and accommodation expenses, and pay for a support person or family member to be by your side if required. Find out more >>

Family on beach holiday with children

Cruise cover at no extra cost

Cruises are a great way to unwind on the open seas and enjoy a hassle-free holiday with comfort at your fingertips. TravelCare includes cruise cover at no extra cost, so you can sail away with confidence. Find out more >>


Find the best travel insurance for you

Whether you’re travelling with family or friends, going on a two-month holiday or a two-day escape, going snorkelling or food tasting, or anything in between, our TravelCare policy is a comprehensive and affordable choice. Get an instant quote online today.

If you have any questions about our TravelCare policy, we’d love to help. Give us a call on 0800 800 571. Our team are available Monday-Friday, 8.30am-5.00pm.


*Terms and conditions, exclusions and sub-limits apply. Please read the PDS including Policy Wording for more information.

**Data correct as of 1 July 2018.

*Terms and conditions apply to the promotion and to the purchase of a TravelCare policy.

Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

All our travel insurance policies (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

Copyright © 2019 Southern Cross Benefits Limited