Southern Cross Travel Insurance review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Southern Cross Travel Insurance suits Australian travellers and seniors buying cover directly from an insurer rather than a broker. Its pull is unlimited overseas medical and evacuation cover per person, with an excess starting at AUD 0, and a policy built for travellers aged up to 118 years.
Key facts
- Best for
- Travellers and seniors in Australia who want an insurer's policy with unlimited overseas medical and evacuation cover.
- Insurance types
- Travel↗
- Provider type
- Insurer↗
- Excess from
- A$0↗
- Cover limit
- Unlimited overseas medical and evacuation cover per person↗
- Claims channels
- Phone, Online↗
- Age range
- up to 118 years↗
- Legal entity
- Southern Cross Benefits Limited ABN 99 133 401 939↗
- Headquarters
- Australia↗
- Founded
- 1995↗
- Support channels
- Phone, Email, Chat, Help-centre↗
- Audience
- Seniors
- Official website
- scti.com.au
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
- Trustpilotproductreview.com.au
Pros and cons
Pros
- Overseas medical and evacuation cover is Unlimited overseas medical and evacuation cover per person
- The excess on the comprehensive policy starts at AUD 0
- Cover is sold by an insurer rather than a broker: insurer
- Policy age eligibility reaches up to 118 years
Cons
- Claims run on phone and online, so a claim cannot be lodged by email or chat
- Cover is limited to travel rather than a wider book
- The policy page targets seniors, so general travellers sit outside that focus
Who it suits
- Seniors buying travel cover, since the policy page targets seniors and covers ages up to 118 years
- Australian residents, as the company is headquartered in Australia
- Travellers who want medical and evacuation cover handled by the insurer itself: insurer
Who should look elsewhere
- Anyone wanting a wider product range, since cover here is travel only
- Travellers who need a claims channel beyond phone and online
Deposit protection
Southern Cross Travel Insurance is an insurer, not a broker or a comparison site, so the policy is underwritten and handled by the company itself. It holds an Australian Securities and Investments Commission financial services licence in Australia, which is the authorisation behind the travel policies it sells. Buying direct from the insurer removes the intermediary from the chain between a claim and a decision.
The company behind it
The policy is issued by Southern Cross Benefits Limited, and the company is headquartered in Australia, having been founded in 1995. Support runs on phone, email and chat, so help is available by phone, email, chat or the help centre. It also holds an Australian Securities and Investments Commission financial services licence.
How Southern Cross Travel Insurance compares
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9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
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9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
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9.3 vs 9.0
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Where Southern Cross Travel Insurance is available
- Available
- Australia
- Licence in Australia
- Australian Securities and Investments Commission (AFSL) (331058), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the comprehensive policy cover for medical costs overseas?+
Overseas medical and evacuation cover is Unlimited overseas medical and evacuation cover per person on the comprehensive policy, so there is no stated ceiling per person for those costs. That is the feature that sets this policy apart from travel cover sold with a capped medical benefit.
Is there an excess to pay on a claim?+
The excess on the comprehensive policy starts at AUD 0, so at the lowest level there is nothing left for you to fund before a claim is paid. The exact excess that applies depends on the policy terms you are quoted, so check the schedule for your own trip.
How old can travellers be to buy this policy?+
The seniors travel policy reaches up to 118 years, which is well past the point where many insurers stop offering travel cover. The page for that policy targets seniors, so it is written with older travellers in mind rather than with the whole market.
Who sells the policy, an insurer or a broker?+
Southern Cross Travel Insurance is an insurer, listed as insurer, rather than a broker or a comparison site. The cover is underwritten by the company that issues the policy, so there is no intermediary sitting between the policy and the claim.
Which company issues the policy and where is it based?+
The policy is issued by Southern Cross Benefits Limited ABN 99 133 401 939, and the company is headquartered in Australia. It has traded since 1995, which gives it a long record of operating in the Australian market and settling claims there.
How do you get help or make a claim?+
Support runs on phone, email and chat, covering phone, email, chat and a help centre. Claims themselves run on phone and online, so a claim can be lodged by phone or online, which suits travellers who want a written record of what was reported.
What kinds of insurance does this company sell?+
The insurance types listed are travel, so this is a travel insurer rather than a general insurer. If you want car, home or gadget cover from the same company, you would need to look elsewhere, and a single policy here will not cover both.
Is the company regulated in Australia?+
It holds an Australian Securities and Investments Commission financial services licence, registered as 331058, which is the authorisation under which it issues these travel policies. The licence is listed alongside Southern Cross Benefits Limited ABN 99 133 401 939.
Sources
- scti.com.au checked September 26, 2026
Backs: Claims channels, Provider type, Founded, Legal entity, Support channels, Licences
“we provide 24/7 emergency assistance and a simple process to make a claim on our website”
- scti.com.au/our-policies/comprehensive checked September 26, 2026
Backs: Cover limit, Excess from, Insurance types
“Medical and evacuation cover is Unlimited under this policy, subject to the Product Disclosure Statement.”
- scti.com.au/our-policies/comprehensive/eligibility-criteria checked September 26, 2026
Backs: Headquarters
“Our International Comprehensive policy is available to customers living in Australia permanently”
- scti.com.au/travel-insurance/seniors-travel-insurance checked September 26, 2026
Backs: Age range, Audience
“which is why our age limit is 118!”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from, Monthly payments.
Southern Cross Travel Insurance
Travellers and seniors in Australia who want an insurer's policy with unlimited overseas medical and evacuation cover.