Cheap travel insurance

Cheap travel insurance

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Choosing the right travel insurance for your holiday can be a frustrating challenge. Confusing policies, hidden costs and lengthy exclusions can mean you end up paying more than you need to.

At Southern Cross Travel Insurance, we want to take the mystery out of finding the right cover for your holiday.

How can I save money on my insurance?

Travel insurance can seem like an unnecessary extra expense, especially when you consider the cost of flights, accommodation and activities overseas. However, when you consider the cost of emergency medical care, lost luggage, delayed flights and damaged valuables, it’s easy to see why protecting yourself with comprehensive travel insurance is the smart financial choice.

Some of the highest medical claims we’ve paid have even exceeded $260,000.

Nevertheless, there are some simple ways you can save money on your travel insurance.

Don’t always choose the lowest price cover

You may be tempted to select the cheapest travel insurance policy that’s available however, before you commit to buying, it always pays to research carefully. Some insurance policies may have minimal benefits and a long list of exclusions.

Saving a few dollars on your insurance may seem like a good option now, but when the unexpected happens overseas and you find you’re not covered, it can end up costing you more in the long run.

Instead, choose a policy that you can be confident in. At Southern Cross Travel Insurance, our TravelCare policy has been awarded the CANSTAR 2019 Travel Insurance Award – International Travel. Canstar also recognised the outstanding value our TravelCare product offers for destinations such as Fiji, France, Japan, the USA and the UK, by awarding us with their 5-Star Rating.

Canstar is an independent consumer research and ratings organisation helping New Zealanders find great quality products and services. We’re honoured that this industry-leading organisation has rated Southern Cross Travel Insurance as the best value out of 30 providers!

Lady on holiday using a laptop

Understand your travel insurance

There’s nothing more frustrating than having an insurance claim rejected because you unexpectedly violated your policy’s rules. For example, you may not be covered if your electronics are damaged in checked luggage, or if your bags are stolen while left out of your sight.

One of the most common mistakes travellers make with travel insurance is failing to understand their cover. Always read your policy carefully so you can be confident that you stay insured overseas. To avoid having a claim rejected, things to consider include:

Unattended luggage rules
Tips for travelling with pre-existing medical conditions
Understanding delay cover
Waking up in hospital overseas
Common claims questions answered

How do I choose the right policy?

There are several things to consider when choosing the best policy for your holiday, which will also impact the price of your insurance:

1. Your destination
2. The duration of your journey
3. Who you travel with
4. Your excess
5. Whether you are taking any high value items with you
6. What activities you do
7. Your pre-existing medical conditions
8. How frequently you travel

1. Your destination

Your destination can affect the price of your policy, based on its distance from New Zealand, the cost of medical care in the country and its risk rating. Insurers may not be able to provide cover for some destinations (like those with a ‘High Risk’ or ‘Extreme Risk’ rating on safetravel.govt.nz).

2. The length of your trip

The duration of your holiday can also impact the price of your insurance. Our TravelCare Single Journey policy covers you for trips of up to 365 days, including multiple destinations. If you’re under 65 years travelling alone to Australia for two days or less, our comprehensive travel cover starts from just $15*.

3. Who you travel with

Some insurers charge higher fees if you're travelling with dependent children. However, our TravelCare policy provides cover for dependent children (aged under 21) under the policy of their guardian for no extra cost.

family on a beach holiday

4. Your excess

The excess you choose will affect the price of your policy. The higher your excess, the lower the premium of your policy. With our TravelCare Single and Annual Multi-Trip policies you can choose between a $0, $100 and $250 excess.

5. Whether you are taking high value items with you

Travelling with high value items can affect the price of your insurance. You will need to specify these expensive items when you purchase your policy, and then pay for an additional premium to cover them.

Our TravelCare policy can cover you for up to $10,000 per specified item, with a maximum of $15,000 per journey (terms and conditions apply).

6. What activities you do

At Southern Cross Travel Insurance, we give you the flexibility to tailor your plan. For example, if you’re going sightseeing on a motorbike or going to the mountains skiing you can add cover for these activities. It’s important that you understand the general exclusions of your policy before you buy. For example, under our TravelCare policy you won’t be covered if you’re mountaineering in certain circumstances or participating in any professional sports..

You can see a full list of the activities we cover and general policy exclusions in our Policy Document.

Skiing

7. Your pre-existing medical conditions

With our TravelCare Single and Annual Multi-Trip policies you can carry out a medical assessment to see if we can offer you cover for your pre-existing medical conditions. It only takes a few minutes to do and, if we can offer you cover, you can decide if you want to add it and pay the extra premium.

8. How often you travel

How frequently you travel is another thing to consider when finding the right policy for you. If you’re travelling internationally more than three times in a year, our Annual Multi-Trip policy could be a cheaper option. Under the policy, you’re covered for 12 months from the start date of insurance you select, no matter how many times you travel. You can also select the number of days you’ll be covered for each trip - from up to 30, 60 or 90 days.

What does my insurance cover me for overseas?

Our TravelCare policy provides excellent affordable cover* for your holidays overseas. With TravelCare, you gain access to comprehensive benefits and our worldwide emergency assistance team, which is available 24 hours a day, seven days a week.

TravelCare includes cover for:

● Medical and evacuation,
● Cancelling or changing your journey before you leave
● Changes to your journey once you have left
● Baggage and personal items
● Cash, bank cards, travel documents and passports
● Personal accident
● Personal liability
● Rental vehicle excess

Find travel insurance discounts and promotions

As well as offering cover for less than $15 when travelling to Australia*, when you sign up to the Southern Cross Travel Insurance email newsletter, you become the first to hear about other travel insurance discounts and promotions. You’ll also get access to safety tips, travel advice and destination updates.

If you’re a Southern Cross Health Society Member, you also get an additional 5% of the base premium of your policy.

Paddleboarding on clear waters

Get a quote for cheap travel insurance

To see why our award-winning travel insurance is the best value for your next holiday, get a quick quote today.

If you have any questions about our cover, you can read our Policy Document or contact us at info@scti.co.nz.

 

*$15 terms and conditions

*The price advertised is for one person under the age of 65, buying a single trip TravelCare policy to Australia for two days with a $100 excess and travelling in the next four weeks. Premium does not include any optional extra cover. For full details of what is included, please refer to the Policy Document.

*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 www.standardandpoors.com. 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