Our travel insurance products

At Southern Cross Travel Insurance, we offer a range of products so you can choose the best option to suit you, whether you’re heading overseas or spending time in New Zealand. We strive to make each of our products easy to understand, so you can travel with peace of mind, knowing exactly what you’re covered for.

Let’s look into the benefits and maximum cover limits of our four products in more detail.

TravelCare

TravelCare is our award-winning, comprehensive travel insurance product, designed for overseas leisure journeys. Whether it’s a family holiday to a nearby island or a backpacking adventure through the cities of Europe, our award winning TravelCare policy has a wide range of policy benefits. 

This table is only a summary of the benefits that our TravelCare policy offers. To fully understand what you’re covered for, and the exclusions and conditions that apply, please read the policy document.

 

Benefit Maximum cover per journey (NZD) Individual Maximum cover per journey (NZD) Family
Medical and evacuation Excess applies (except for Funeral expenses/return of mortal remains benefit) UNLIMITED cover for unexpected events that arise on your journey UNLIMITED cover for unexpected events that arise on your journey
Cancelling or changing your journey before you leave Excess applies $2,500 or the amount selected (up to unlimited) $5,000 or the amount selected (up to unlimited)
Changes to your journey once you've left Excess applies $50,000 $100,000
Baggage and personal items
Excess applies
$25,000 $50,000
Cash, bank cards, travel documents and passports Excess applies $1,000 $2,000
Personal accident $25,000 (16-80 years) $50,000 (16-80 years)
 $1,000 (15 years or under, or 81 years over) $1,000 (15 years or under, or 81 years over) 
Personal liability $1,000,000 $1,000,000
Rental vehicle excess $5,000 $5,000



You can also add moped and motorbike, and skiing and snowboarding cover to your TravelCare policy for an additional premium, as well as getting cover for any pre-existing medical conditions or high value items.

Working Overseas

Our Working Overseas policy is designed to provide comprehensive cover while you work overseas, so you can enjoy your overseas experience, knowing that you have someone to turn to if the unexpected happens.

You can tailor your policy by choosing to purchase Medical Only Cover (which includes cover for medical, evacuation and replacement staff), or Full Cover (which includes all the benefits listed below). 

This table is only a summary of the benefits that our Working Overseas policy offers. To fully understand what you’re covered for, and the exclusions and conditions that apply, please read the policy document

 

Benefit Maximum cover per policy (NZD) Australia/South Pacific Plan Maximum cover per policy (NZD) Worldwide Plan
Medical evacuation and replacement staff UNLIMITED UNLIMITED
Changes to your journey $50,000 $100,000
Baggage and personal items $7,500 $10,000
Cash and travel documents
$25,000 $50,000
Personal accident $25,000 $50,000
Personal liability $100,000 $200,000
Rental vehicle excess $3,000 $3,000

 

International Student

Our International Student policy is tailored for international students studying in New Zealand. All international students are required to have appropriate travel insurance for the duration of their studies in New Zealand, and this policy provides a comprehensive cover option. We know how important it is for you to focus on your studies and enjoy your time in New Zealand.

This table is only a summary of the benefits that our International Student policy offers. To fully understand what you’re covered for, and the exclusions and conditions that apply, please read the policy document

 

Benefit Maximum cover per policy (NZD)
Medical evacuation UNLIMITED
Changes to your journey $50,000
Personal accident $50,000
Personal liability
$500,000
Rental vehicle excess $1,500
Cash and travel documents $1,000
Baggage and personal items $25,000

 

Visiting New Zealand

Our Visiting New Zealand policy offers comprehensive cover for travellers to New Zealand, whether it’s a quick break visiting friends or relatives, or a ‘once in a lifetime’ adventure. We want you to travel with peace of mind, knowing that you'll be looked after if the unexpected happens.

This table is only a summary of the benefits that our Visiting New Zealand policy offers. To fully understand what you’re covered for, and the exclusions and conditions that apply, please read the policy document

Benefit Maximum cover per policy (NZD)
Medical evacuation 100,000
Changes to your journey $50,000
Personal accident $20,000
Personal liability
$250,000
Rental vehicle excess $2,000
Cash and travel documents $1,000

 

Need more information?

If you’d like any more information on choosing the right SCTI policy for you, please call us on 0800 800 571 or email us at info@scti.co.nz.