Travel insurance

Off to see the delights of the world? Protect yourself against its dangers with travel insurance from our partners at Southern Cross Travel Insurance.

The Southern Cross Travel Insurance policy wording was changed on 11 September 2018. Please visit the Southern Cross Travel Insurance website for the new wording.

We’ve got you covered

Cancellations and Alterations cover

Need to call-off your trip because of an unexpected event? Your Travel Insurance policy will take care of the costs and reimburse what you’ve lost.*

24/7 emergency assistance

Lost luggage, cancelled flights or a medical emergency… Southern Cross Emergency Assistance is just a phone call away.

Medical and Evacuation

You’re covered for emergencies such as overseas hospital, surgical and ambulance expenses.

Travel delays or interruptions

You’ll be reimbursed for unexpected delays or cancellations lasting more than 12 hours.^

There’s more…

Pre-existing medical conditions

Any known medical conditions can be factored into your plan when you apply.

Lost, damaged or stolen luggage

If the unexpected happens to your belongings, your policy provides cover for the repair or replacement of that item.

Kids go free

If you’ve got kids 17 years or under, who are not in full time employment, there’s no extra cost to cover them.

Cash allowance while in hospital

If the unexpected happens you can receive $100 for every 24 hours you spend in the hospital for stays longer than 72 hours.~

Rental vehicle excess

If your hire car gets damaged or stolen during your trip, you can claim on the refund of any non-refundable excess paid to the rental company.

Safeguard your travels in 3 simple steps


Get a quote in seconds

Simply fill in your age, where you’re going, and when.


Credit Card payment

Take a look at what’s offered and purchase the cover that’s right for you.


Bon Voyage

Pack your bags, board your flight, and remember help is just a phone call away.

Need to make a claim?

For emergency assistance while you are overseas, call Southern Cross Emergency Assistance 24 hours a day, 7 days a week on +61 2 9191 1180.

Frequently asked questions

Application and policy details

Pre-existing conditions

Making a claim

Important Information

* If (due to an unexpected event), you have to cancel or alter your journey prior to departing Australia, we can reimburse you for the lower of:
(a) the total value of your actual and reasonable additional alteration costs; or
(b) the total value of your unused, prepaid costs.

Subject to the ’Sub limits applying to Section 2’, the maximum amount we will reimburse you is the section limit specified in the schedule of benefits.

We consider an unexpected event to be a cause or event that occurs during Your period of insurance that:
(a) was sudden, unforeseeable or unintended; and
(b) was outside of Your control; and
(c) could not reasonably have been anticipated or avoided.

^ If, as a result of an unexpected event, your travel is interrupted for more than 12 hours but you remain overseas on your journey, we will reimburse you for each equivalent expense type (including scheduled transport, accommodation, tours, meals and communication), the actual and reasonable value of either:
(a) your additional costs; or
(b) your unused, prepaid costs.

Subject to the ’Sub Limits Applying to Section 2’, the maximum amount we will pay is the lower of:
(a) $30,000 per Journey; or
(b) the qualifying expenses you incur in the first 30 days you are delayed after the 12-hour interruption.

There are terms, conditions and exclusions for this benefit (as with all other benefits), and because we don’t know your objectives, financial situation and needs, you should read our Combined FSG and PDS, including Policy Wording to ensure the features of our policy fit your requirements.

If, as a result of an unexpected event, your journey to attend a special event is delayed and the special event cannot be delayed or rescheduled, we will reimburse you for the actual and reasonable additional costs of travelling on alternative transport to enable you to attend the special event as planned. Subject to the ’Sub limits applying to Section 2’, the maximum amount we will pay is $3,000 per person, up to a maximum of $6,000 per journey.

We consider a special event to be a wedding, funeral, conference, concert, show, festival or sporting event.
(a) was sudden, unforeseeable or unintended; and
(b) was outside of your control; and
(c) could not reasonably have been anticipated or avoided.

~ If both of the following apply:
(a) we have confirmed cover for your hospitalisation claim during your journey; and
(b) you are required to remain in hospital overseas for more than 72 hours continuously;
we will pay you $100 for each complete 24-hour period, up to a maximum of $3,000 per person, per journey.

TravelCare is issued by Southern Cross Benefits Limited ABN 99 133 401 939, AFS License 331058 trading as Southern Cross Travel Insurance ®.We are a signatory to the General Insurance Code of Practice and the Financial Ombudsmen Service.

As an Australian financial services licensee (AFSL), SCTI is authorised to deal in, and provide, general advice on travel insurance products. As we are unaware of your specific needs, financial objectives, and circumstances, we highly recommend you take time to read the Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS), including Policy Wording before buying this product, to ensure that our travel insurance product is right for you.