Travel insurance is essential for any international holiday, but finding the right policy isn’t always easy. What kind of cover do you need? Is it the right option for your holiday? What about pre-existing conditions? We’re here to answer these questions and help you compare travel insurance policies so you can find the best cover for your next adventure.
What is covered by travel insurance?
Let’s start with the basics. Any good travel insurance should cover you for a few key things:
- Medical emergencies
- Lost, stolen or damaged valuables
- Flight delays and cancellation
- Ancillaries like rental vehicle excess
Finding a policy that covers each of these things isn't difficult. The trick is in finding a policy that has decent benefits for each, at an affordable price. For example, you may find that some providers don’t cover emergency dental treatment, cover if your flight is delayed, or provide any cash allowance to make a hospital stay more comfortable. On the other hand, you may find a policy that includes all of these benefits but to a very limited degree.
What isn’t covered by travel insurance?
Generally speaking, travel insurance is there to protect you from unexpected events. So if you are breaking the law or don’t heed the warnings of travel advisories, any loss you suffer overseas isn’t usually considered unexpected. Most travel insurance policies won’t cover you for:
- Breaking the law
- Ignoring travel warnings on safetravel.govt.nz
- Loss, damage or theft of unattended luggage
- If you’re under the influence of alcohol or non-prescription drugs
- Loss that happens due to an event that was forecasted or predicted before you bought your policy
- Pre-existing conditions that weren’t declared when you purchased your policy
What does our policy cover you for overseas?
At Southern Cross Travel Insurance, we pride ourselves on providing comprehensive cover at an affordable price. Our TravelCare customers enjoy a generous list of benefits and gain access to our worldwide emergency assistance team, who offer round-the-clock advice every day of the year.
Our travel insurance covers you for:*
- Unlimited medical and evacuation expenses, with no excess for medical claims
- Rental car excess if you have an accident
- Airline cancellation fees and lost deposits for pre-booked activities
- Lost, stolen or damaged baggage
- Lost, stolen or damaged personal items like electronics, travel documents and cash
How does our travel insurance compare to others?
Not only does our TravelCare cover include a great list of benefits, but it also has an enviable reputation among travellers and the insurance industry. In fact, market-leading consumer research and ratings organisation, CANSTAR, gave us the award for Outstanding Value for Travel insurance - International 2018.
We’re absolutely dedicated to providing top-shelf customer service. We know exactly what it’s like to travel, and how upsetting it can be when things don’t go according to plan, which is why our goal is to act with integrity and care in all situations.
Other reasons our travellers love Southern Cross Travel Insurance include:
Our delay cover is up to 15 times that of comparable insurers. The maximum amount of cover we offer if you are delayed overseas is $30,000 (terms and conditions apply). This is compared to $5,000 by 1Cover, $5,000 by World Nomads, and $2,000 by TID, Worldcare and Covermore:
Kids travel free
We know how exciting it can be to take the kids along for an overseas adventure, which is why we let the kids travel free under your TravelCare policy.+
Number of claims paid
We pride ourselves on our honest and supportive claims team. In the last financial year, we paid 85% of claims in Australia. There are no smoke and mirrors when it comes to your claim - we take each and every incident seriously and do our utmost to ensure you receive the right compensation, no matter the cost. In fact, we paid a claim of $1,300,000 to an unfortunate Australian traveller who needed air evacuation from South East Asia in 2016.
Which insurance policy is right for you?
It’s important to choose the right policy for your kind of holiday. At Southern Cross Travel Insurance, we offer three policy options:
Our Single Journey TravelCare policy is perfect for those one-off holidays. It covers you for the entire journey to one or multiple destinations, for a trip duration of up to 365 days.
Annual Frequent Traveller
If you’re a regular jet-setter, the Annual Frequent Traveller policy may be the best choice for you. This policy covers you for a period of 12 months, no matter how many trips you take during that time (for journeys up to 90 days).
Finding the right travel insurance policy for your next holiday is only a matter of research. Get an instant quote today to find out what your policy will cost.
+Unmarried children aged 17 or under who are primarily dependent on the adult(s) named on the certificate of insurance are covered for free under the TravelCare policy.