What we cover and key benefits

We’ve seen all the circumstances that could go wrong on your trip, from lost luggage to medical emergencies. We don’t want to scare you off from exploring the world, we just want you to return home safely with all your stuff. That’s why our comprehensive TravelCare policy provides cover for those pesky unexpected events at an affordable price.

We also offer cover for travellers going overseas to work, and for those coming to New Zealand to study or for a holiday.

If this happens… we cover you for up to…*

You require medical assistance for an unexpected event – UNLIMITED
Because when it comes to you, we want to ensure you get the help and care you need, to be able to return home.

You’re seriously injured as a result of an unexpected event and have to pay hospital bills – UNLIMITED

You suffer an unexpected event and need to be evacuated – UNLIMITED

You require emergency dental treatment as a result of an unexpected event for relief from sudden and acute pain by the application of antibiotics, temporary dressings or extraction, or tooth injury in conjunction with sudden and acute pain - $750 per person, per journey

You’re hospitalised overseas and required to stay in hospital continuously for over 72 hours - $100 per 24-hour period, up to a maximum of $3,000, per person, per journey

Due to an accidental injury on your trip, you suffer from total loss of income (because you can't do your normal work on return to New Zealand) – up to $500 per week per person, to a maximum of $6,500 per person, or $13,000 per journey

You need to alter or cancel your journey due to an unexpected event - $50,000 (individual policy), or up to $100,000 (family policy). Excess applies.

Your travel plans are interrupted for more than 12 hours and you’re stranded overseas due to an unexpected event - $30,000 or qualifying expenses incurred within the first 30 days, (whichever is lower)

Your luggage or personal items are accidentally lost, stolen or damaged as a result of an unexpected event - $25,000 (individual policy), $50,000 (family policy). Excess applies.

Your bags are delayed for more than 12 hours at your overseas destination as a result of an unexpected event - $1,000 per person, to a maximum of $5,000 per journey

Your passport or travel documents which you are carrying with you are lost or stolen as a result of an unexpected event - $1,000 (individual policy), or $2,000 (family policy). Excess applies.

You cause loss of, or damage to, property or bodily injury to another person as a result of an unexpected event, and you’re legally liable - $1,000,000

You have to pay the excess on your rental car, if your rental car is damaged or stolen as a result of an unexpected event - $5,000


This provides a summary of the key terms only. As with all insurance policies, terms and conditions and exclusions apply. For our terms and conditions, including information about exclusions, excesses and sub-limits, please refer to the Product Disclosure Statement (PDS), including Policy Wording here.

Why choose us?

  • You can buy travel insurance and submit a claim online - because we like to make things easier for you.
  • You can get better value for less, because you don’t have to pay travel agent’s or insurance broker’s commissions.
  • You deal with us directly, even at claim time, because we underwrite our own policies. So you’ll never have to chase a company you don’t know and have never dealt with before, to follow up on your claim.
  • You get access to our worldwide emergency assistance team, ready to assist you 24 hours a day, 7 days a week.
  • You get peace of mind with our comprehensive cover, so can relax and enjoy your break, knowing you and your family are covered for the unexpected.

If you have any queries about our cover, email us anytime, or call us on 0800 800 571 Monday – Friday, 8.30am – 5pm NZST/NZDT.

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 Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

Copyright © 2018 Southern Cross Benefits Limited