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Let's get going!




No excess on medical claims

From a doctor’s visit to a hefty hospital bill, we’ll cover the cost of eligible medical claims without charging any excess.

Travellers should be able to enjoy their trip safe in the knowledge that they’re covered if the unexpected happens. This is especially important for medical issues. Your health and well-being is always the top priority when travelling, that’s why it’s essential to take us with you.

What is travel insurance excess?

Whenever you make an insurance claim, you may be required to pay a fee known as excess. This amount is stipulated in your travel insurance policy wording.

Some claims – such as GP visits and prescription costs – may amount to less than the excess, essentially making it not worth submitting a claim.

Paying an excess can often dissuade travellers from claiming minor expenses. Knowing this, some people might be reluctant to seek medical treatment in the first place. The temptation is to delay treatment until they return home.

Obviously, this isn’t the best way to handle health issues.

Putting your health first

Southern Cross Travel Insurance does not charge an excess for medical claims. Whether you have a minor illness or a medical emergency, there will be no excess to pay. When the unexpected happens, make sure you or someone acting on your behalf, calls our 24/7 Emergency Assistance team as soon as possible. If you’re covered, we can assist you by liaising with the hospital to ensure you receive the treatment you need without delay.

We don’t want to put anything in the way of you seeking the right treatment at the right time. We want to encourage travellers to address minor health ailments in order to prevent them from becoming bigger problems while overseas.

If in doubt, get it checked out

Medical setbacks are stressful enough at the best of times. When you’re stuck in a waiting room during your holiday with flights to catch and experiences to savour, anxiety levels will rise. We can help relieve some of the stress by covering you financially, recommending overseas hospitals and clinics, and even organising evacuation home if necessary.

If you have a minor medical problem, seek treatment from a registered medical practitioner. Remember it is important to retain all original receipts, and ask for a copy of all consultation notes from the treating doctor, as these will be needed in order to assess your claim. You don’t need to advise us of minor medical problems while you’re overseas, just make sure you submit a claim when you get home.

We believe that every medical bill is worth claiming, no matter how big or small. It’s only fair. And we believe it’s the right thing to do to ensure you have a happy, healthy and hassle-free trip.

What you need to know

As with all insurance policies, terms and conditions apply. For our terms and conditions, including information about exclusions, excesses and sub-limits, we recommend you read the Product Disclosure Statement (PDS), including Policy Wording.




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

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

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.

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