Cover for COVID-19 - effective from 17 November 2021.

For information relating to policies purchased between 11 August 2021 and 16 November 2021, please refer to the relevant endorsement for your policy. You can find the TravelCare endorsement here and the Domestic endorsement here.

Does Southern Cross Travel Insurance (SCTI) offer cover for COVID-19?

We offer limited cover for events relating to COVID-19, only if you are fully vaccinated and buy one of our Domestic or TravelCare travel insurance policies. Our definition of ‘fully vaccinated’ can be found below.

In summary, there is cover for: 

TravelCare

  • Medical expenses if you are diagnosed with COVID-19 while on your journey 
  • Costs ($2,500 up to Unlimited) to change your travel arrangements if you or a relevant person are diagnosed with COVID-19 before you leave and your journey is cancelled or amended
  • Costs (up to $5,000) to change your travel arrangements if you or a relevant person are diagnosed with COVID-19 after you leave and your journey is interrupted or cut short

Domestic

  • Costs (up to $5,000) to change your travel arrangements if you or a relevant person are diagnosed with COVID-19 before you leave and your journey is cancelled or amended.
  • Costs (up to $5,000) to change your travel arrangements if you or a relevant person are diagnosed with COVID-19 after you leave and your journey is interrupted or cut short.

It’s important to know that we don’t cover all COVID-19 related events.


Do I need to be fully vaccinated to qualify for COVID-19 benefits?

Yes. Our definition of ‘fully vaccinated’ is: 

  • having had a COVID-19 vaccine that has been approved by the New Zealand government health authority.
  • having followed the New Zealand government health authority recommendations relating to dosage and any booster vaccine requirements. 
  • having completed the time period between your last vaccination and when the New Zealand government health authority considers you to be fully vaccinated. 

Being below the age of eligibility to receive a vaccination means cover will apply, subject to all the terms and conditions.

If you or the relevant person can’t be vaccinated for medical reasons, this is not fully vaccinated and cover will not apply.

 

Do I get the COVID-19 benefits wherever I choose to travel?

No. 

If you buy our TravelCare policy, cover only applies when you are travelling to a destination with a SafeTravel website of ‘Exercise normal safety and security precautions’ (level 1) or ‘Exercise increased caution’ (level 2). 

 

Is there cover if my travel is affected by a lockdown or a change in travel advisory by the government?

There is no cover under our TravelCare or Domestic policy for government restrictions, lockdowns, or any pause to quarantine-free travel. 

Is there more information that I need to know?

Full details of how you are covered are included in the relevant endorsement for your policy. You can find the TravelCare endorsement here and the Domestic endorsement here

These documents provide information about how events related to COVID-19 are covered by your policy. While you can use them to help you decide if the policy is right for you, you’ll need to read the endorsement and your Policy Document together to understand what else you are — and are not — covered for. 

Does SCTI offer COVID cover for its other products? 

We don’t currently offer cover for any event related to COVID-19 under our International Student, Working Overseas or Visiting New Zealand policies.