Eligibility criteria

You can only get cover under this policy, if you are:

  1. a New Zealand citizen or permanent resident;  
  2. an Australian citizen or permanent resident who resides in New Zealand; or
  3. on a visa or permit which allows you access to all publicly funded health and disability services in New Zealand and is valid until after your end date of insurance.

and you:

  1. are travelling to a destination outside of New Zealand and intend to return to New Zealand after finishing your journey (or each journey in the case of an Annual Multi-Trip Policy; 
  2. have not already left New Zealand
  3. are not travelling overseas with the intention of obtaining medical or dental treatment, cosmetic surgery or related advice; and
  4. have not been advised by a registered medical practitioner that you are not fit to travel.

A requirement of this policy is that you must have access to a valid email address in order for us to communicate with you on all matters relating to your policy, and a New Zealand bank account to receive any claim payment relating to your policy.

Note: You do not need to have purchased a return ticket before your start date of journey, but you must intend to return to New Zealand on the completion of your overseas travel.



What you need to know

This page provides a summary of the key terms only. 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 travel insurance policy document.


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 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 © 2020 Southern Cross Benefits Limited