Cheap travel insurance
Choosing the right travel insurance for your holiday can be a frustrating challenge. Confusing policies, hidden costs and lengthy exclusions can mean you end up paying more than you need to. At Southern Cross Travel Insurance, we want to take the mystery out of finding the right cover for your holiday.
How can I save money on my insurance?
Travel insurance can seem like an unnecessary extra expense, especially when you consider the cost of flights, accommodation and activities overseas. However, when you consider the cost of emergency medical care, lost luggage, delayed flights and damaged valuables, it’s easy to see why protecting yourself with comprehensive travel insurance is the smart financial choice. There are some simple ways you can save money on your travel insurance.
Don’t always choose the lowest price cover
You may be tempted to select the cheapest travel insurance policy that’s available however, before you commit to buying, it always pays to research carefully. Some insurance policies may have minimal benefits and a long list of exclusions.
Saving a few dollars on your insurance may seem like a good option now, but when the unexpected happens overseas and you find you’re not covered, it can end up costing you more in the long run.
Reading customer reviews is a great place to start when researching the quality of a travel insurance provider.
Understand your travel insurance
There’s nothing more frustrating than having an insurance claim rejected because you unexpectedly violated your policy’s rules. For example, you may not be covered if your electronics are damaged in checked luggage, or if your bags are stolen while left out of your sight.
One of the most common mistakes travellers make with travel insurance is failing to understand their cover. Always read your policy carefully so you can be confident that you stay insured overseas. To avoid having a claim rejected, things to consider include:
- Unattended luggage rules
- Tips for travelling with pre-existing medical conditions
- Understanding delay cover
- Waking up in hospital overseas
- Common claims questions answered
How do I choose the right policy?
There are several things to consider when choosing the best policy for your holiday, which will also impact the price of your insurance:
1. Your destination
Your destination can affect the price of your policy, based on its distance from New Zealand, the cost of medical care in the country and its risk rating. Insurers may not be able to provide cover for some destinations (like those with a ‘High Risk’ or ‘Extreme Risk’ rating on safetravel.govt.nz).
2. The length of your trip
The duration of your holiday can also impact the price of your insurance. Our TravelCare Single Journey policy covers you for trips of up to 365 days, including multiple destinations. If you’re under 65 years travelling alone to Australia for two days or less, our comprehensive travel cover starts from just $15*.
3. Who you travel with
Some insurers charge higher fees if you're travelling with dependent children. However, our TravelCare policy provides cover for dependent children (aged under 21) under the policy of their guardian for no extra cost.
4. Your excess
The excess you choose will affect the price of your policy. The higher your excess, the lower the premium of your policy. With our TravelCare Single and Annual Multi-Trip policies you can choose between a $0, $100 and $250 excess.
5. Whether you are taking high value items with you
Travelling with high value items can affect the price of your insurance. You will need to specify these expensive items when you purchase your policy, and then pay for an additional premium to cover them.
Our TravelCare policy can cover you for up to $10,000 per specified item, with a maximum of $15,000 per journey (terms and conditions apply).
6. What activities you do
At Southern Cross Travel Insurance, we give you the flexibility to tailor your plan. For example, if you’re going sightseeing on a motorbike or going to the mountains skiing you can add cover for these activities. It’s important that you understand the general exclusions of your policy before you buy. For example, under our TravelCare policy you won’t be covered if you’re mountaineering in certain circumstances or participating in any professional sports..
You can see a full list of the activities we cover and general policy exclusions in our Policy Document.
7. Your pre-existing medical conditions
With our TravelCare Single and Annual Multi-Trip policies you can carry out a medical assessment to see if we can offer you cover for your pre-existing medical conditions. It only takes a few minutes to do and, if we can offer you cover, you can decide if you want to add it and pay the extra premium.
8. How often you travel
How frequently you travel is another thing to consider when finding the right policy for you. If you’re travelling internationally more than three times in a year, our Annual Multi-Trip policy could be a cheaper option. Under the policy, you’re covered for 12 months from the start date of insurance you select, no matter how many times you travel. You can also select the number of days you’ll be covered for each trip - from up to 30, 60 or 90 days.
What does my insurance cover me for overseas?
Our TravelCare policy provides excellent affordable cover* for your holidays overseas. With TravelCare, you gain access to comprehensive benefits and our worldwide emergency assistance team, which is available 24 hours a day, seven days a week.
TravelCare includes cover for:
- Medical and evacuation
- Cancelling or changing your journey before you leave
- Changes to your journey once you have left
- Baggage and personal items
- Cash, bank cards, travel documents and passports
- Personal accident
- Personal liability
- Rental vehicle excess
Find travel insurance discounts and promotions
If you’re a Southern Cross Health Society Member, you also get an additional 5% of the base premium of your policy.
Get a quote for cheap travel insurance
To see why our award-winning travel insurance is the best value for your next holiday, get a quick quote today.
If you have any questions about our cover, you can read our Policy Document or contact us at firstname.lastname@example.org.
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.
*$15 terms and conditions
The price advertised is for one person under the age of 65, buying a single trip TravelCare policy to Australia for two days with a $100 excess and travelling in the next four weeks. Premium does not include any optional extra cover. For full details of what is included, please refer to the Policy Document.