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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Southern Cross Travel Insurance Reviews

Southern Cross Travel Insurance (SCTI) has been providing cover for international travellers for over 35 years. You can choose from two types of policies – a Single Trip or an Annual Multi-Trip. Policies are available to those of any age. They also offer 24/7 emergency assistance, no matter where you’re in the world. SCTI is underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance.

Customer Experience

Claims experience, value for money.

TRAVEL INSURANCE - GREAT EXPERIENCE

Have used them in 2019 and 2022 and although have not had to make any claims, was delayed in 2022 due... Read more

Have used them in 2019 and 2022 and although have not had to make any claims, was delayed in 2022 due to airlines, and SCTI were very helpful extending my insurance period without having to start over as others I was travelling with had to. Their prices are a great deal cheaper than at least 3 of the other "most popular" insurers. I went with them on recommendation from friends who used them and had to claim and said they were terrific. Wouldnt insure with anyone else for my travel.

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Horrible experience. Impossible to contact

This company is impossible to contact. Their website sold me 'junk' worldwide cover which I l... Read more

This company is impossible to contact. Their website sold me 'junk' worldwide cover which I later found out excludes where I am travelling to. Trying to contact them to cancel and it is impossible. Don't reply to emails and phone line says 'unavailable'. Seems like a scam company. Avoid!

COVID as excuse to reject claims

I had to change flights within Australia due to Emirates temporarily suspending operations at some ma... Read more

I had to change flights within Australia due to Emirates temporarily suspending operations at some major airports in Australia, for "operational reasons" as per Emirates announcement. My claim for the additional cost of changing the flights was rejected by labelling Emirates’ decision as COVID-related. Well then currently anything and everything is COVID-related. This was an unexpected event as Emirates continued to operate throughout 2020. Please be mindful of this when buying a policy with SCTI. How convenient for a travel insurer nowadays to change policies and find excuses to reject claims. I would have expected a more sensible resolution of the matter.

1 comment on this review

Avoid this company

I had purchased my insurance last year for a trip to South Korea in June. I rang up on March 6 to tr... Read more

I had purchased my insurance last year for a trip to South Korea in June. I rang up on March 6 to try and clarify how coronavirus impacts my travel insurance [I had originally asked this in late January but received no answer...]. I suggested to the call centre person that because coronavirus was an unexpected event I may be able to cancel my trip. I was advised that because the WHO had declared it a pandemic that I was not covered. SCTI took this decision as I was on the phone....I suggested that there was no actual information to indicate that on the WHO site No news organisations had reported this at this stage either... I was told that a link would be emailed to me that showed it being mentioned in a press conference - this did not happen. There was nothing on the SCTI website that said the WHO had declared it a pandemic. Appalling and questionable practices - will never use this company again.

Leave you stranded

If the WHO declare Corona Virus as a pandemic it will have no cover, even if I have had insurance in ... Read more

If the WHO declare Corona Virus as a pandemic it will have no cover, even if I have had insurance in place for the past 6 months. Trip is later this month. Very poor - never use again. Hour wait for customer service

I had an accident in Cambodia of all places. Brocken leg and Ankle. They tried to even move me to a m... Read more

I had an accident in Cambodia of all places. Brocken leg and Ankle. They tried to even move me to a more expensive hospital. I should had listened to them. Got a botched repair done. S C T I tried there best and covered all bills. Great service. Still using them 3 years on from that incident , because I know they pay out.

Excellent help & quick settlement of claim

Due to unexpected injury I had to cancel overseas holiday with only 3 weeks notice. I experienced exc... Read more

Due to unexpected injury I had to cancel overseas holiday with only 3 weeks notice. I experienced excellent help, follow up and quick settlement. I had read all terms and conditions prior to purchase and provided all information, supporting documentation, doctors letters and so on as required. Any refunds due I had collected e.g. airline costs and hotel refunds where available. My family have used them several times. Based upon personal experience I certainly recommend them.

Helped during difficult time

While we were on Holidays in India, My FIL (who was in India)passed away the day we had to travel, so... Read more

While we were on Holidays in India, My FIL (who was in India)passed away the day we had to travel, so we could not travel. The greedy travel agent was charging us $250 + Fare difference, The new tickets were costing us less. So we purchased new tickets to come back to Melbourne. SCTI approved our claim in less than a week's time.

They promise everything but do not pay for claims

The policy is excellent value. I have used SCTI for over 10 years and had excellent service. Great p... Read more

The policy is excellent value. I have used SCTI for over 10 years and had excellent service. Great policies, great product, great value. Unfortunately this year when I really needed them they failed me. I made a claim for an ACL tear. They made a representation on the phone that surgery would be covered. Then whilst I was trying to get an answer from them they immediately went back on their promise, and told me I had 24 hours to get on a plane and be evacuated. This was despite the fact that this was not an emergency situation, I was on crutches, I could not pack in time or even locate my passport due to the injury. I also had a doctor's certificate to say that I could not fly for 6 weeks. They were extremely harrassing and stressful in a time that was already distressing and disturbing. Being injured overseas is extremely difficult. I even made complaints just simply requesting more time to sort out things and seek opinions about surgery and whether I could fly. SCTI were not flexible at all and simply said they would cut off my cover if I did not do what they wanted despite the fact that I was concerned about injuring myself further with preparing to leave so soon. I was not even given the option to manage my injury conservatively and continue my trip. I had expected better from SCTI and will never be using them again. I have received much better treatment, service and policies from other travel insurance companies.

3 comments on this review

Paid up when another insurance would not

These guys paid for our accomodation in Sihanoukville when our flight delayed 4 hours meaning we miss... Read more

These guys paid for our accomodation in Sihanoukville when our flight delayed 4 hours meaning we missed the last ferry over to Koh Rong. I had insured the particular flight ( as well as comprehensive SCTI)and they chose not to cough up.. Within 2 weeks of making a claim money in bank. Thanks SCTI.

Worst company ever

If you want to waste your money go with SCTI. Great suck in cheap prices but wont pay for any claims.... Read more

If you want to waste your money go with SCTI. Great suck in cheap prices but wont pay for any claims.

2 comments on this review

Terrible company, do not use!

This company say a lot but don’t follow through. That have made my holiday very stressful because no ... Read more

This company say a lot but don’t follow through. That have made my holiday very stressful because no two employees say the same thing and no one wants to help when you have a claim

How many people can I include in my policy?

You can purchase a policy online to include up to two adults and nine children.

Am I covered if I go on a cruise?

Yes, our policy automatically covers you if you’re a fare paying passenger aboard a cruise ship. You can also purchase a TravelCare policy if the cruise is travelling around Australia as part of your international itinerary. For example, the cruise ship departs Auckland and travels around the North Island of New Zealand, then on to Australia, cruising around the coast. However, if your cruise ship is only travelling through Australian waters, you’re not eligible to purchase a TravelCare policy, as it covers international travel only.

Am I covered for skiing and snowboarding?

You have the option to select ‘Skiing and snowboarding cover’ during the application process. If you have selected this option, paid an extra premium, and have skiing and snowboarding cover confirmed on your Certificate of Insurance, then you will have cover (as long as you follow the terms and conditions in the policy).

Can I pay to reduce or cancel my excess?

Yes, you can choose to have a $0, $100 or $250 excess on your policy. The excess you select will be confirmed on your Certificate of Insurance.

What additional extras are there?

You can personalise your policy with options to: • Increase your luggage cover, up to $10,000 for any single item (with a maximum limit of $15,000 per journey) • Increase cover for cancellations or changes to your journey before you leave • Add specified personal items valued above $1,500 • Add ‘moped and motorbike cover’ • Add ‘skiing and snowboarding cover’

Am I covered if my tour company collapses?

No, SCTI doesn’t provide protection from insolvency.

I’m not an Australian resident- can I buy cover?

Yes, you can buy cover if you’re: • An Australian citizen or permanent resident • A New Zealand citizen or permanent resident • On a visa/permit which allows you to access all publicly funded health and disability services in Australia and is valid until after your end date of insurance

What size moped or motorbike am I covered to ride overseas?

You have the option to select ‘Moped and motorbike cover’ during the application process. If you have selected this option, paid an extra premium, and have moped and motorbike cover confirmed on your Certificate of Insurance, then you’ll be covered if you’re riding a bike of up to 200cc (as long as you follow the other terms and conditions in the policy).

How long is their single trip cover for?

A single trip policy can cover journeys that are up to 12 months in duration.

Can I extend my policy from overseas?

If you have a Single Trip policy, you can extend your policy by contacting SCTI directly. No extension will be granted once your 'End Date of insurance' has passed. If you have an Annual Multi-Trip policy, you’ll need to purchase a brand new policy as SCTI don’t currently offer extensions.

Do they cover for my rental vehicle excess?

Yes, for up to $5,000. You’re only insured for a standard model motor vehicle or motor home (designed to carry no more than eight people, including the driver). The vehicle must be rented from a licensed motor vehicle rental agency.

Who underwrites them?

Southern Cross Benefits Limited trading as Southern Cross Travel Insurance.

Where are they based?

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Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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Southern Cross Travel Insurance Reviews

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Reviews 4.3.

Most relevant

Had a great experience knowing that we…

Had a great experience knowing that we were insured for all major unforeseen emergencies. Didn’t need to claim anything but peace of mind was important.

Date of experience : March 25, 2024

The staff member I spoke to for…our two week cruise insurance around New Zealand and Australia was very efficient, friendly and helpful. It was sorted in 10 minutes. I was very happy with the cost.

The staff member I spoke to for insurance for our two week cruise was excellent. Quick , efficient, friendly and he listened carefully to my requests ‼️ I was also very impressed with the cost.

Date of experience : March 18, 2024

Would be good if you offered a sports…

Would be good if you offered a sports cover for sports people competing overseas.

Date of experience : April 08, 2024

Reply from Southern Cross Travel Insurance

Hi there. We appreciate you taking the time to give us feedback around sports cover. Please give our Sales and Service team a call about this or flick them an email at [email protected] and they may be able to assist you with this. All the best - Maddie@SCTI.

Our TI experience

As we had a last minute trip, we arranged the TI online. It was very easy to apply including the existing conditions. Thanks

Date of experience : March 28, 2024

Hi Shashi. Thank you for your review. We hope you had a good trip. All the best - Maddie@SCTI

Travel insurance

I didn’t need to use my policy but it was affordable and policy information provided up front was clear and Scuba Diving was covered.

Date of experience : March 27, 2024

Hi there. Thank you for your review. We hope you had a good trip. All the best - Maddie@SCTI

I have always found Southern Cross great!

I have, regularly, since 2017,used Southern Cross on every occasion that I have visited NZ, and I visit often and for periods of between two and six months. I have always found obtaining the cover simple and efficient. I have never had to claim, fortunately.

Date of experience : March 02, 2024

Seem good...never needed to claim

I have had no need to claim anything but their rates seem good compared with other insurers for domestic and overseas travel

Date of experience : March 09, 2024

SCTI is one of the best

SCTI is one of the best travel insurance policies I have enjoyed over the years. Friendly staff, easy to sign up and simple to claim. Thanks to SCTI, travelling abroad has become worry-free and more enjoyable.

Date of experience : March 12, 2024

Value for money and great…

Value for money and great communication. Whilst we never had to utilise the policy it was reassuring knowing it was a comprehensive plan in the event we needed it.

Date of experience : March 26, 2024

This was a nasty time while on holiday. Your prompt service and understanding was impeccable. Was easy to engage with you ones, to get this sorted.

Hi Angela. Thank you for your review. We are sorry to hear you had a nasty time on holiday, but pleased to hear we were able to assist. Hopefully it is all sorted now. Take care - Maddie@SCTI.

Always read the fine print.

Always read the fine print. If you missed your flight because you have to attend to your aging parents or relative over 85 be warned.

Date of experience : March 21, 2024

Just good and the best result we didn't…

Just good and the best result we didn't need to use it!

Date of experience : April 19, 2024

Useful to have, if you can afford it.

Have been with SX since I was a kid, on their Regular plan. Now that I have my own family and children - they are also on SX. The good thing is the third child free but in reality health care is free for children under 14. So probably didn't need to cover them until they were teenagers. At least all their pre-existing conditions will be covered. In terms of overall cost, you pay more the older you get which is understandable. But in terms of the plans cover for 80% of costs, it is restricted by the limts - so it isn't actually 80% for everything. Be warned if you want full cover, go for their wel-being plans instead.

Date of experience : March 04, 2024

Wise Choice

Was reassurance to know if needed i had my policy with me. Fortunately no mishaps with travel. We will use for next venture.

Date of experience : March 29, 2024

Hi Gill. Thank you for your review. We hope you had a good trip. All the best - Maddie@SCTI

It was so easy to arrange our travel…

It was so easy to arrange our travel insurance online, and I'm happy to say it was not necessary to make a claim this time, when I have needed to, it was also a very easy process.

Date of experience : March 22, 2024

I choose this company because its a trusted company

I choose this company because it's trusted company. Great peace of mind when we purchase policy from Southern cross though it's expensive in market

Date of experience : March 07, 2024

Hi Laxmi. Thank you for your feedback. We are pleased to hear we can provide a peace of mind whilst travelling. All the best - Maddie@SCTI.

Easy and affordable

Quick and easy to arrange. Affordable.

Date of experience : April 17, 2024

Southern cross travel insura

Nothing specifically went wrong. Being a Southern cross member, I did not think the loading for my medical condition would be as ridiculous nceas it was because my medical history would be known to Southern cross already

Date of experience : March 16, 2024

Hi Schalk. Thank you for your review. We appreciate that often this can take some extra time and although we are a part of the wider Southern Cross group, we are a separate business, so we do not share private information. We hope you had a good holiday! All the best - Maddie@SCTI.

Very simple and easy no problems at all…

Very simple and easy no problems at all when signing up

Have always used Southern Cross while…

Have always used Southern Cross while travelling and never had any issues when making a claim. Easy online applications as well

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Reviews 4.3.

Most relevant

The ease of navigating my way through…

Travel Insurance The ease of navigating my way through the online process of taking out my southern Cross policy for my recent 7 day holiday in Australia. Also the ease of paying for the policy with my credit card. The cost of the policy and the many options I was covered for made me relax and enjoy my trip in full.

Date of experience : 13 April 2024

Very happy with southern

Very happy with southern. Due to some problem, we have to stay extra 2 days oversea. When we contact southern, the response is very quick. After we answer the question, they extend the insurance without charging. We will always buy southern if we go overseas.

Date of experience : 23 April 2024

Used to be the best now struggle to be worst

I used to rate this company as the best there was but sadly not anymore. The number of hoops you need to jump through to make a claim is bordering on ridiculous and when i had to claim last year for a stolen iphone i was made to feel like a criminal. I will never use them again. plus it took them 6 weeks to process the claim.

Date of experience : 30 August 2023

Fair price and coverage

I research travel insurance every time a trip comes up and always end up choosing Southern Cross Travel. Their prices are fair and coverage appropriate. So far I've been lucky that I haven't needed to claim anything, therefore can't comment on that process.

Date of experience : 21 April 2024

1st holiday overseas

It’s the first time we went overseas, and we’ve purchased a travel insurance with SCTI because we’ve heard great reviews. Unfortunately, my daughter got sick during our holiday. So when I called SC, they were very prompt in accommodating us. They gave us the option to call the hospital instead, so we can focus on our daughter’s healing. They have also offered to cover medical bills while my daughter was admitted, but we have opted to claim it after discharge as we felt it was easier for us to do at that time. When my daughter was discharged, they have offered us to have an RN to monitor her progress, but we didn’t need it as we’re RNs anyway. During my daughter’s hospitalisation, they would call us everyday for an update, and we greatly appreciated that. We felt that we have been well looked after. Will definitely use SC for future travels.

Date of experience : 30 March 2024

Just knowing I was covered should…

Just knowing I was covered should something happen, I have always used Southern Cross travel but never had to use it

Date of experience : 25 April 2024

Good cover for the cost

Good cover for the cost. However a 6 week delay in responding to a domestic travel claim was disappointing. Despite the delay, once my claim was picked up it was settled within 2 days.

Date of experience : 11 March 2024

There really is nothing to review as we…

There really is nothing to review as we didnt need to call on Southern Cross at all during our trip so I cant review on any experince

Date of experience : 24 April 2024

No response from insurer

I am currently in South Africa. My flight was cancelled due to the Dubai flooding. I attempted to contact SX by phone to discuss my predicament but the recorded message would not respond to button selection. Additionally I emailed southern cross to request information but more than 3 days later I have not had any response.

Date of experience : 19 April 2024

Southern Cross Insurance could be ok

Southern Cross Insurance seem to be ok, their prices are reasonable as long as you are honest with your illnesses before you travel. I have not made any claims so i cannot comment on what they would assist with or whether they would just take your money and run like so many insurance companies do, as i did not make a claim. Who knows they may be an honest company that would pay ot if there was a necessity. Try it and see it is like Russian Roulette, take your chances and hope for the best.

Peace of mind

We travelled to Mexico via the US, and had an excellent trip. However, we took a great deal of comfort from the fact that we had high quality travel and health cover from a reputable insurer that we have trusted in the past.

Competitive price and peace of mind

My travel insurance with SCT was very easy to set up and the price was very good. We are a family of 4 and the children were free, so even better. We were able to specify that one of us is diabetic. Fortunately we did not encounter any issues while traveling and therefore cannot review their claims process. But we went away with peace of mind that SCT had us covered. Will definitely use again for our next trip.

Date of experience : 18 April 2024

Easy to booktravel insurance

Easy to book, realistic price and list of inclusions. Had option to include cover of pre-existing conditions and jewelry etc. Was worth it for cover for hire car excess so we didn't need to pay high prices to bring the excess down. Good communications regarding policy. Recommend using SCTI. Plus 10% discount for being a member was nice.

Date of experience : 16 April 2024

They paid our claim without issue

We had a loss in the UK which totalled over 6k. We waited a long time once putting the claim in due to their backlog, 6 weeks or so.. but they paid out the claim and we are pleased with the overall experience. Thanks Southern Cross.

Good luck when you want to make a claim

Southern Cross was super fast and efficient at getting the money from the client, but good luck when you need to make an important claim or make a claim on time. Furthermore, don't even try to follow up; they simply don't care. Regardless of the urgency expressed by the client, and even if it's over the recommended timeframe provided by Southern Cross, they show no concern. It seems like Southern Cross doesn't prioritize client needs and will respond robotically if you follow up multiple times. They'll keep you on the phone for 70 minutes and put you on hold five times. If you try to escalate the issue, they'll tell you to wait for a call back within three working days. Even when you place a complaint, they respond politely but essentially dismissively, thanking you for raising the issue but insisting that their procedures are unchanged

Date of experience : 11 April 2024

Easy to do online

Easy to do online. Cost effective. Southern Cross always reliable. Thank You.

Date of experience : 22 April 2024

I didn't have to make a claim but it was very easy to buy

I didn't have to use it but it was very easy to purchase online. I've been a member of Southern Cross for 37 years and use their travel insurance for countries where I feel I need that extra protection

Date of experience : 12 April 2024

Best travel insurance

Everything pretty easy to understand and to purchase it. Good coverage with affordable prices. Very quick respond after doing the claim with good comeback. Will definitely purchase it again

Date of experience : 08 April 2024

Highly recommend for the peace of mind

I was very impressed with the language, a policy written for the normal traveler to read and understand. Clear communication and follow up. Will recommend

I was lucky and did not need to use my…

I was lucky and did not need to use my Travel Insurance but my insurance was all set and ready to go if need be. How ever on another matter I needed to contact Southern Cross and the experience was exceptional.

Date of experience : 15 April 2024

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Reviews 4.3.

Most relevant

The ease of navigating my way through…

Date of experience : 13 April 2024

Very happy with southern

Date of experience : 23 April 2024

Used to be the best now struggle to be worst

Date of experience : 30 August 2023

Fair price and coverage

Date of experience : 21 April 2024

1st holiday overseas

Date of experience : 30 March 2024

Just knowing I was covered should…

Just knowing I was covered should something happen, I have always used Southern Cross travel but never had to use it

Date of experience : 25 April 2024

Good cover for the cost

Good cover for the cost. However a 6 week delay in responding to a domestic travel claim was disappointing. Despite the delay, once my claim was picked up it was settled within 2 days.

Date of experience : 11 March 2024

There really is nothing to review as we…

There really is nothing to review as we didnt need to call on Southern Cross at all during our trip so I cant review on any experince

Date of experience : 24 April 2024

No response from insurer

Date of experience : 19 April 2024

Southern Cross Insurance could be ok

Peace of mind

Competitive price and peace of mind

Date of experience : 18 April 2024

Easy to booktravel insurance

Date of experience : 16 April 2024

They paid our claim without issue

Good luck when you want to make a claim

Date of experience : 11 April 2024

Easy to do online

Easy to do online. Cost effective. Southern Cross always reliable. Thank You.

Date of experience : 22 April 2024

I didn't have to make a claim but it was very easy to buy

Date of experience : 12 April 2024

Best travel insurance

Everything pretty easy to understand and to purchase it. Good coverage with affordable prices. Very quick respond after doing the claim with good comeback. Will definitely purchase it again

Date of experience : 08 April 2024

Highly recommend for the peace of mind

I was very impressed with the language, a policy written for the normal traveler to read and understand. Clear communication and follow up. Will recommend

I was lucky and did not need to use my…

Date of experience : 15 April 2024

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Reviews 4.3.

Most relevant

The ease of navigating my way through…

Date of experience : April 13, 2024

Very happy with southern

Date of experience : April 23, 2024

Used to be the best now struggle to be worst

Date of experience : August 30, 2023

Fair price and coverage

Date of experience : April 21, 2024

1st holiday overseas

Date of experience : March 30, 2024

Just knowing I was covered should…

Just knowing I was covered should something happen, I have always used Southern Cross travel but never had to use it

Date of experience : April 25, 2024

Good cover for the cost

Good cover for the cost. However a 6 week delay in responding to a domestic travel claim was disappointing. Despite the delay, once my claim was picked up it was settled within 2 days.

Date of experience : March 11, 2024

There really is nothing to review as we…

There really is nothing to review as we didnt need to call on Southern Cross at all during our trip so I cant review on any experince

Date of experience : April 24, 2024

No response from insurer

Date of experience : April 19, 2024

Southern Cross Insurance could be ok

Peace of mind

Competitive price and peace of mind

Date of experience : April 18, 2024

Easy to booktravel insurance

Date of experience : April 16, 2024

They paid our claim without issue

Good luck when you want to make a claim

Date of experience : April 11, 2024

Easy to do online

Easy to do online. Cost effective. Southern Cross always reliable. Thank You.

Date of experience : April 22, 2024

I didn't have to make a claim but it was very easy to buy

Date of experience : April 12, 2024

Best travel insurance

Everything pretty easy to understand and to purchase it. Good coverage with affordable prices. Very quick respond after doing the claim with good comeback. Will definitely purchase it again

Date of experience : April 08, 2024

Highly recommend for the peace of mind

I was very impressed with the language, a policy written for the normal traveler to read and understand. Clear communication and follow up. Will recommend

I was lucky and did not need to use my…

Date of experience : April 15, 2024

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Southern Cross Travel Insurance (SCTI) Comprehensive review

One trip policy..

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This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Maximum age for dependants listed on the policy. In years (up to and including the number stated).

Does the policy list pre-existing medical conditions that are automatically covered.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval)

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms, medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy.

Are claims covered that arise from pregnancy or pregnancy complications?

Until which stage pregnancy is covered for single births (up to and including).

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage

Limit for medical and emergency evacuation and repatriation expenses for illness or injury.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas, remain with them in hospital and accompany them home during an emergency repatriation.

Daily hospital cash allowance per person.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.

Limit for dental as a result of an accident.

Limit for dental as a result of sudden and acute pain.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness'). Cover is assessed on individual circumstances.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to assessment of pre-existing conditions for the relative.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. May be subject to assessment of pre-existing conditions for the relative. Check the policy terms for more details. 'Cancellation cover chosen' means variable cover options are available.

Whether the policy covers you for cancellation or amendment expenses.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available.

Limit for cancellation expenses for transportation bought using frequent flyer points.

Limit for travel agent cancellation fees.

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to insolvency of a travel agent. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to unexpected/involuntary retrenchment. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. Cover is assessed on individual circumstances.

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera. Cover is assessed on individual circumstances.

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

Limit for a smartphone. Cover is assessed on individual circumstances.

Limit for any prescribed medications. Cover is assessed on individual circumstances.

Overall limit for specified items, available for an extra premium. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight during the day. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight overnight. Cover is assessed on individual circumstances.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Cover is assessed on individual circumstances.

Cover limit per person for lost or stolen cash. Cover is assessed on individual circumstances.

Overall limit for a single person for baggage lost temporarily. Cover is assessed on individual circumstances.

The minimum period of time in hours before which cover applies for temporarily lost baggage. Cover is assessed on individual circumstances.

Limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed. Cover is assessed on individual circumstances.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered. Cover is assessed on individual circumstances.

Limit per person per 24-hour period for this transport delay. Cover is assessed on individual circumstances.

Is the collision damage excess for a hire car covered?

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

Does the policy cover cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents?

Does the policy cover cancellation and additional expenses for claims due to strikes?

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Does the policy cover claims due to COVID-19?

Does the policy cover claims due to pandemics other than COVID-19?

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

Average rating

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Southern Cross Travel Insurance Reviews

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Reviews 4.3.

Most relevant

Online application easy with STI.

Arranging for travel insurance with STI is easy to do online. In the past found that claims were dealt with efficiently.

Date of experience : 18 April 2024

Great cover, but that's about it

Great cover, but very hard to use the website as half the time it didn't even work. Not good if you need help asap as claims take weeks to assess and process. The staff were friendly but that was about it :/

Date of experience : 19 April 2024

Affordable travel insurance

It was very easy to do online. No hidden cost and clear coverage cost. Support email was very useful.

Date of experience : 26 March 2024

I was fortune that I didn´t have to use…

I was fortune that I didn´t have to use it. But the company communication was good, always checking if everything was doing well.

Date of experience : 14 April 2024

Peace of mind that Southern cross would…

Peace of mind that Southern cross would look after me in case of sickness by covering the expenses. Its reputation is very high as well.

had the confidence that I was covered…

had the confidence that I was covered which allowed me to go to the dentist. The cost was so low that I didn't make a claim, but I knew I could have.

Date of experience : 03 April 2024

It was easy to do it online and the…

It was easy to do it online and the benefits were good. We felt safe to do our travels knowing that we’re are looked after if anything goes wrong.

Date of experience : 04 April 2024

It was very easy to get a quote and…

It was very easy to get a quote and then get comprehensive cover - clear communication on how to contact at any time.

Great nsurance easy to do paperwork…

Great insurance easy to do paperwork good service easy to apply for will use again

Date of experience : 28 March 2024

It was easy to apply for cover and it…

It was easy to apply for cover and it was more cost effective than the insurer I used to purchase travel insurance from.

Date of experience : 17 April 2024

Peace of mind know whatever happens I…

Peace of mind know whatever happens I was covered. Not needed but one never knows when it will be needed.

Date of experience : 22 April 2024

Excellent policy.

Excellent policy. Easy to quote and easy to submit claims

Date of experience : 25 April 2024

Travelling to multiple destinations abroad

Could not be more helpful and explained the various options available

Date of experience : 20 April 2024

I had a dilemma in needing insurance…

I had a dilemma in needing insurance for a holiday overseas that was going to start in Australia and finish back home in NZ … all the Australian insurance companies wouldn’t allow me, as a Kiwi, to get insurance in that capacity but when I rang Southern Cross they said no worries and bingo I peace of mind travel insurance. And then had to extend my stay but not problem… just emailed them and again bingo sorted!!

There when we needed them.

Were fantastic in telling us what we needed to do when our flight home was cancelled. This was on a Sunday that we contacted them, really helpful lady on the end of the phone and didn't have to wait long to talk to her.

Date of experience : 05 April 2024

Didn't insure for motorcycle riding…

Didn't insure for motorcycle riding above 200cc which is why I won't get SCI cover in the future.

Price Gouging

The premiums for domestic travel insurance in New Zealand are outrageously high - higher than they are for overseas travel, which makes no sense, particularly given that New Zealand has an ACC system that other countries don't, and our private medical costs are lower. Cannot see the justification for the premiums tht Southern Cross charges for domestic travel insurance

The insurance was easy to apply for…

The insurance was easy to apply for online and the coverage comprehensive. We didn’t need to claim so unable to comment on that process. One thing that would be good would be a discount for repeat customers within a certain timeframe.

Date of experience : 01 April 2024

great service and pricing for what was…

great service and pricing for what was required. Have used this company before. Kept up to date on dates when going and when returning.

Date of experience : 09 April 2024

Cover for repatriation

It was easy to organise and they kept in touch in case I need any help.

Southern Cross Travel Insurance Reviews

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Reviews 4.3.

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Cannot cover basic requirement expected from travel insurance

Costly and ineffective, providing no coverage for essential needs. It's simply a waste of time and money. My primary goal was to claim for my flight due to medical reasons, for which I purchased travel insurance. Unfortunately, they are unable to fulfil even the basic requirements expected from travel insurance. Do not recommend at all.

Date of experience : 22 February 2024

Good policy for a reasonable price

Date of experience : 19 April 2024

User Freindly

It was very easy to buy insurance on line. I received an e mail that gave me confidence the cover was in place. I could travel knowing I had the appropriate cover for my travel

Date of experience : 09 March 2024

Reply from Southern Cross Travel Insurance

Hi Simon. Thank you for your review. We are pleased to hear that you found our buying process user friendly. We hope you had a great trip. All the best - Maddie@SCTI.

South Cross Travel Insurance really…

South Cross Travel Insurance really gives me a great sense of security. Every aspect of my trip is well protected, and I will definitely purchase it for every future journey.

Date of experience : 10 January 2024

Not good enough

Ok. Service received from south cross not good enough as I still don’t get confirmation after payment

Date of experience : 22 March 2024

Hi there. Thank you for your review. Sorry to hear you did not receive any confirmation after payment. Please check your junk folder, if it is not there, please send us an email [email protected] and one of our representatives will forward your documents to you. You can also view your policy documents at any time by registering for and logging into our online portal, My SCTI - scti.online. We hope you have a good trip. Take care - Maddie@SCTI.

Bad decision ever to get SCTI

Very stupidest insurance provider. Takes 30+ days to process the claim and at the end declines the claims advising it was left unattended in a private area. Well, that's why we get the insurance so if unexpected things happens then we are covered but I would recommend everyone to AVOID SOUTHERN CROSS TRAVEL INSURANCE. Would not recommend them at all. Further to your reply “SOUTHERN CROSS”: I did asked for second review of my claim and was advised same that “you should have been more careful” well if that’s the case then what’s the point of getting Comprehensive insurance? When if someone steals my belongings because of minor mistake which is I left it inside closed cupboard on a private cabana but didn’t lock it as I was in hurry. Don’t we get the insurance for this sort of things???? I was given the option for complaint procedure and was advises at the same time that likely result of the complaint will be the same which is they will decline the claim. So I don’t wanna be bothered to the same thing over and over explaining stuff when you all just gonna rip off the money in premiums and decline the claim like I would have handled it more carefully.

Date of experience : 13 March 2024

Hi Nisarg. We're sorry to hear you're unhappy with our claim timeframes. The majority of our claims are assessed within 5 to 30 working days, but some take slightly longer when there is added complexity, any missing information or are submitted during our busier season. If you are unhappy with your outcome, feel free to let your assessor know and they will re-look at your claim, or they can enter you into our complaints process. Alternatively, you can email us at [email protected] and we can enter you. Take care - Maddie@SCTI.

Seamless process to extend STI

I wanted to extend the duration of my overseas trip (while overseas) by 4 days and found it seamless to arrange an extension of my Southern Cross Travel insurance. This gave me peace of mind knowing I was covered for the extended duration of my trip.

Date of experience : 23 February 2024

I always use SCTI when I travel…

I always use SCTI when I travel overseas. I believe they provide good cover.

Date of experience : 08 April 2024

Terrible is not even close

Terrible is not even close , after months , nothing, juat excuses about no staff. Im wondering if this is the case they still take your money , and if they pay interest on it, after delaying for months on end

Date of experience : 27 February 2024

Hi Gregg. Thank you for your review. We're sorry to hear you're unhappy with our claim timeframes. The majority of our claims are assessed within 5 to 30 working days, but some take slightly longer when there is added complexity, any missing information or are submitted during our busier season. If you have any questions regarding your claim, please email us at [email protected]. Take care - Maddie@SCTI.

Peace of mind throughout travel

It was reassuring to have the travel insurance cover in case of unforeseen eventualities on my trip such as acute illness, flight disruptions, theft or missing luggage.

Date of experience : 09 April 2024

Super quick and easy

It was super quick and easy to get a quote and make payments. It was also considerably cheaper than the others I had looked it.

Date of experience : 26 March 2024

Hi Cassy. Thank you for your review. We are pleased to hear that you found it quick and easy to purchase a policy. We hope you had a good holiday. All the best - Maddie@SCTI

Ease of booking online!

Ease of booking online. Answers to most of my questions were readily available on their website so a quick and easy process to get the required cover before heading off on holiday.

Date of experience : 28 February 2024

setting up our travel insurance was so easy & quick & completely comprehensible! and the value for $$$ was sooooo good we were wrapped & had a great holiday!

Date of experience : 04 February 2024

it took a while to get clear answers…

it took a while to get clear answers and guidelines from SCTI, but when they decided our claim was genuine and we definitely needed help , the service and help from SCTI was excellent

Southern Cross - So many clauses - allows them to get away with everything!

I wanted to extend to another country on my overseas trip and found it easy to arrange an extension to my Southern Cross Travel insurance. As someone else said below this gave me peace of mind knowing I was covered for the the new location when it was added to our upcoming trip at no charge. However, that was very short lived because I then updated Southern Cross on a recent cancer diagnosis that had come after taking the insurance out. Anything that happens when we are away related to this will not be covered. Shocked I checked in with friends on social media. Horrified US and UK friends confirmed that this wouldn't be allowed over there and NZ friends were surprised. Personally, aside from being really worried about our forthcoming travels, I am peeved off at paying nearly $1000 for a pretty useless insurance policy but most of all I think Southern Cross are morally dishonest because they promote on their site they are a not for profit, that serves people and communities across NZ, with our focus on the health and wellbeing of New Zealanders. Well, frankly from what I've experienced - this is utter poppycock. The banks and insurance companies over here continue to take advantage of us and the law lets them get away with it! We need to start fighting back and start complaining, taking cases further with ombudsmen for insurance/advertising, badgering your MPs and telling our stories to the media. 19.3.24. Did as suggested below but not heard anything in three days!

Date of experience : 14 March 2024

Hi Caroline. Thank you for your review. We're sorry to hear that you're unhappy with our policy coverage limitations. We'd like to come to a fair and reasonable outcome with you, please email us at [email protected] or give us a call at 0800 800 571 and we'll be able to discuss your case. All the best - Claire@SCTI.

I had to change my trip dates due to…

I had to change my trip dates due to getting Covid and Southern Cross were great in allowing me to change my insurance cover without any hassles and making a note that I may make a claim. The only downside was the person I spoke with didn't advise me at the time if I was claiming I would need a PCR test or RAT test certified to do so - was too late when I discovered that, but luckily I didn't have to claim.

Date of experience : 08 February 2024

Hi Debbie. Thank you for your review. We appreciate your feedback and will pass this on to the appropriate team. All the best - Maddie@SCTI.

Easy to book and reasonable price

Date of experience : 18 April 2024

Best travel insurance deal you can get

It was easy to sign up online and insurance was activated straightway after the payment. The insurance premium was affordable as compared to other competitors.

Date of experience : 06 April 2024

Personal assistant called to follow up…

Personal assistant called to follow up a last minute change we needed to our policy. Never needed to use it but it was great to have peace of mind that this last minute change was included.

Date of experience : 13 February 2024

Hi Robyn. Thank you for your review. We are pleased to hear SCTI was able to provide peace of mind on your trip. Take care - Maddie@SCTI.

Very fast to respond to emails

Very fast to respond to emails, I changed my plans last minute and the team happily added Mexico to my trip for the USA for no extra charge

Date of experience : 15 February 2024

Southern Cross Travel Insurance

Compare Southern Cross Travel Insurance

To compare Southern Cross travel insurance policies with those from other providers on Canstar’s database, follow the link below.

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What types of travel insurance does southern cross offer.

Southern Cross offers both domestic and international travel insurance. The company has four different policies:

International Comprehensive: full cover for your overseas holiday
Annual Multi-trip: cost-effective cover for multiple overseas journeys
Domestic: covers you for loss on Kiwi vacations
Working Overseas: extended cover for long periods overseas

What’s covered by Southern Cross’s International Comprehensive policy?

The main features of Southern Cross’s International Comprehensive policy include unlimited cover for: medical treatments, 24-hour emergency assistance and medical evacuation/repatriation.

$1m personal liability
$50,000 accident insurance
$50,000 changes to journey once you have left
$25,000 personal items cover
$10,000 rental car excess

Optional cover available for: moped/motorbike use, skiing/snowboarding and cruises.

What’s covered by Southern Cross’s Annual Multi-trip policy?

Southern Cross’s Annual Multi-trip policy provides the same level of cover as its International Comprehensive policy. Designed for frequent flyers and business travellers, it offers a cost-effective alternative to taking out individual policies if you’re planning multiple trips overseas within a specific period of time.

Once your cover is in place, you’re insured for an unlimited number of return journeys overseas, up to a maximum of 30, 60 or 90 days in length.

What’s covered by Southern Cross’s Domestic policy?

Although Kiwis don’t have to worry about medical bills at home, accidents and unforeseen events can still happen while holidaying in Aotearoa. Southern Cross’s Domestic policy covers:

Changes to your travel plans or cancellations
Luggage and personal items
Rental vehicle excess
Personal accident & liability

What’s covered by Southern Cross’s Working Overseas policy?

Southern Cross’s policy is designed for people who are temporarily living or working overseas, and those on working holidays. It offers the same levels of cover as the insurance company’s International Comprehensive policy.

About Southern Cross

Southern Cross has roots dating back to the 1960s in New Zealand, and is the country’s largest not-for-profit health care organisation. Formed by a collection of independent health-focused businesses, the group represents a number of brands, including: Southern Cross Travel Insurance, Southern Cross Health Insurance (which insures nearly 900,000 Kiwis), Southern Cross Healthcare, Pet Insurance and Life Insurance.

International, Seniors

Written by: Bruce Pitchers | Last updated: November 22, 2023

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Whether your ultimate getaway is a soaking in the Amalfi Coast, or taking on that dream African safari, $20,000 could go a long way in escaping for your ultimate getaway! All you need to do to enter is buy a travel insurance policy between midnight 1 April and midnight 31 May 2024 and you’ll automatically go in the draw.

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Why choose Southern Cross Travel Insurance?

+ Based upon the total number of unique travellers we have insured across the markets where we operate for all our travel insurance products from January 1995 to October 2023. # Based upon the total number of claims we paid as a proportion of all claims we received across the markets where we operate for all our travel insurance products from 1 January to 31 December 2023.

Manage your policy on the go with my scti.

You can view your policy, make claims and update your details all in one secure portal.

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With Aussie travellers for over a decade

We've been providing travel insurance to Australians since 2009. During this time, we're extremely proud to be recognised both locally and internationally for our commitment to delivering quality products, value for money and dedication to customer service.

See all our awards

What is travel insurance?

Travelling is all about discovering the unknown, so it’s no surprise that there can be a few hiccups along the way!

Travel insurance is designed to better protect you from these unexpected events, from the moment you book your trip to the day you return home. Whether you have an unexpected flight delay or medical emergency, we’re here to help. Let us worry about what could go wrong, so you can start dreaming about what will go right.

How to compare travel insurance

What can travel insurance cover?°

We offer cover for unexpected events, so you can travel with peace of mind. We know each traveller and trip is different - that’s why we offer different policies and add ons so you can choose the type and level of cover you need - which may, or may not, include some of the scenarios below. As with any insurance policy, terms, conditions and exclusions apply so always make sure you read the Product Disclosure Statement before buying your travel insurance policy to make sure it is right for you.

If you are diagnosed with COVID-19 before you leave, or while on your journey, we offer cover in some scenarios

° Please refer to the individual Product Disclosure Statements to see what your chosen policy covers.

See what's covered

We offer travel insurance that suits how you want to travel

We know how important it is to make sure you have the right type - and level - of cover, so we have different travel insurance policies to suit different types of travel, and the ability to personalise your cover to suit you with our optional add-ons. Whether you’re heading to Fiji for some R&R, London for an OE or Victoria to hit the slopes, we’re with you.

Have questions?

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Coral beaches, lazy palms and vivid reefs under turquoise water. Few places in the world do tropical perfection quite like Fiji.

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When it comes to travelling, there’s always room for the unexpected to happen, that’s why we provide 24/7 emergency assistance and a simple process to make a claim on our website.

With Australian travellers for over a decade

Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Our Pick Of The Best Comprehensive Travel Insurance Providers In Australia

Published: Apr 2, 2024, 9:30am

Australians are well-known for their love of travel, with many of us eager to make up for years spent in lockdown with epic European vacations, winter breaks in Bali, or luxury cruises.

In fact, data from the Australian Bureau of Statistics’ (ABS) revealed that travel activity in December 2022 was at the same level as February 2019, before lockdowns and Covid restrictions, and this trend has continued at this pace for much of 2023 and the beginning of 2024. Most recently, the ABS recorded some 1.3 million departures in January, an increase of 294,990 compared with January of 2023.

The ABS also noted that the number of trips for January 2024 was at the pre-Covid level in January 2019, and that travel across the ditch remains popular, with New Zealand still the leading destination for Australians returning from a short-term trip overseas (13%).

Key to peace of mind when travelling is adequate insurance, and it’s also paramount to find an insurance provider who will cover not only Covid-19 related claims, such as being diagnosed with Covid-19 while travelling or cancellations and delays due to Covid-19, but all of the other potential mishaps that could go wrong while overseas—whether it be missing a connecting flight, falling ill, event cancellation, theft or luggage going missing. Alarmingly, a recent study by Smartraveller and Insurance Council of Australia (ICA) found that one in six Australians are still travelling overseas without travel insurance, with younger travellers, those from lower-income households, and culturally and linguistically diverse backgrounds all more likely to travel without insurance.

To help Australians find the best option suitable for their needs, Forbes Advisor combed through the leading players to determine our pick of the best comprehensive travel insurance providers for those looking to travel overseas in 2024 and beyond. All insurers’ pds details have been fact-checked and are current as of March 2024.

Note: the below list represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below.

Related: How to Find the Best Travel Insurance for you

Our Pick of the Best Comprehensive Travel Insurance Providers 2024

Travel Insurance Direct (Comprehensive)
Allianz (Comprehensive)
Bupa Travel Insurance (Comprehensive)
InsureandGo (Comprehensive)
insure4less (Comprehensive)
Cover-More Travel Insurance (Comprehensive)
1Cover (Comprehensive)
Fast Cover (Comprehensive)
Qantas Travel Insurance (Comprehensive)
Australia Post (Comprehensive)

What Methodology Did We Use?

Covid-19 travel rules and restrictions, what if i have a pre-existing medical condition, types of travel insurance policies, what about seniors, frequently asked questions (faqs).

Best Seniors Travel Insurance
Best Domestic Travel Insurance
Best Cruise Travel Insurance
Travel Insurance Cost
Pregnancy Travel Insurance Guide
Travel Insurance And Covid: Are You Covered?
Travel Insurance For Bali
Travel Insurance For Fiji
Travel Insurance For The USA
Travel Insurance For Thailand
Travel Insurance For New Zealand
Travel Insurance To India

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Unlimited, with a $1000 limit to dental

Despite the WHO declaring the pandemic over, Covid continues to interrupt our travel plans, and compared with other policies, Travel Insurance Direct offers very thorough Covid-19 cover, including both medical expenses and trip cancellations. Furthermore, some 43 medical conditions are automatically covered, however, additional conditions are not considered.

Where the policy really stands out is in its coverage of a broad range of 93 activities, with travellers able to add on extra coverage for certain higher-risk activities, such as snow sports. Plus, there are more than 2,500 reviews of the policy on Product Review, with an average of 4.2 stars.

93 sports and activities are automatically covered
Lost luggage coverage up to $12,000, with the ability to increase item limits
Online discounts are only available for multiple policies or group policies
Certain pre-existing medical conditions cannot be covered

Yes, overseas medical expenses related to Covid-19 are included in the unlimited medical cover, as well as additional travel expenses up to $2,500.

Cancellations due to Covid-19 are covered for you and travelling party.

Unlimited, including dental

$2,000 is included, with the option to increase at a higher premium

Allianz has a generous medical policy, and unlike many competitors, includes unlimited coverage for both hospital and dental. The top-tier policy also covers pre-existing medical conditions, however, assessments are required and conditions need to be met. Some 38 activities are included and listed in the PDS, and there is no age limit to coverage.

There’s also the option to increase certain limits (luggage, cancellations, etc) for higher levels of coverage depending on the individual traveller’s needs.

All ages are covered
Dental is included in unlimited medical expenses
Personal liability cover does not include additional activity packs, such as snow.
No cover for missed connecting flights

Yes, Covid-19 is covered under medical expenses.

Cancellations due to Covid-19 are covered if the cancellation is due to a government-enforced border closure or due to the policy holder having to complete a quarantine due to Covid-19. As this is less of an issue these days, this policy feature is likely to be less important to travellers.

Bupa travel insurance is underwritten by Allianz, and its comprehensive travel insurance policy is almost identical to Allianz’s branded offering.

Along with unlimited medical, hospital and dental cover, Bupa offers 24/7 emergency assistance with Australian-based doctors and nurses available. As with Allianz, credit card fraud is covered up to $5,000 and lost luggage tops out at $10,000 (sub-limits apply). It’s worth noting, however, that Bupa scores slightly lower on Product Review—an average of 3.9 stars compared to Allianz’s 4.

15% discount for Bupa health insurance policy holders
All pre-existing conditions need to be assessed to determine if they will be covered
Reviews state lengthy waits for claim payments

Cancellations due to Covid-19 are covered if the cancellation is due to a government-enforced border closure or due to the policy holder having to complete a quarantine. As this is less of an issue these days, this policy feature may not be as important to travellers.

Unlimited, with a $500 limit to dental

InsureandGo is an ideal choice for families, with 90 activities included and the option to add additional extras, such as snow cover. Children are covered up to the age of 18 if they are travelling with parents or grandparents, and the maximum age for a policy-holder is 100 years old—although if you’re heading on a cruise the maximum age is 79.

Lost luggage is covered up to $15,000—sub limits apply—and there is unlimited cancellation cover.

The company’s comprehensive offering, known as Gold, was rated an average of 4 stars from more than 6,000 reviews.

Regular discounts with promo codes on Facebook page
Coverage up to 100 years
No credit card fraud coverage
Dental tops out at $500

Yes, overseas medical expenses related to Covid-19 are covered, as are cancellations for the policy holder and their travelling companions

Yes, up to $7500 per person

Insure4less offers policyholders coverage for a wide range of activities—more than 120 are listed in PDS—while additional, high-risk sports can also be added. The comprehensive policy, known as Excel Plus, covers medical expenses of Covid-19, along with any additional expenses required for you to return early to Australia if necessary.

It also covers lost luggage up to $5,000 (sub limits apply), cancellations up to $7,500 per person, connecting flights up to $1,000 and personal liability up to $7.5 million—the latter of which is at the higher end of what is generally offered. Coverage for pre-existing medical conditions are subject to the completion of an online medical questionnaire.

Read more: insure4less Review: Pros and Cons

More than 100 activities are included in the policy, with the option to add on additional cover for other high-risk activities such as snow cover for snowboarding and skiing
Unlimited medical
Luggage only covered up to $5,000

Mostly. Overseas medical expenses related to covid-19 are covered, as well as additional expenses for you to return early due to Covid if necessary. However, cancellations due to Covid are not covered.

Cover-More Travel Insurance (Comprehensive)

Cover-More’s travel insurance not only covers Covid-19 medical expenses overseas, but also provides $2,500 for additional related expenses. Lost luggage is also covered up to $15,000, as are dependent children up to 21 provided they are financially dependent and not in full-time employment.

Travellers up to 99 years of age can travel on the Cover-More policy, however senior travellers must meet certain criteria.

Despite these stand-out features, what prevented us from giving Cover-More a higher score was its negative reviews: it scored an average of 3.3 stars out of almost 3,000 reviews on Product Review. (Forbes Advisor pays little attention to reviews when there are fewer than 100, and always takes into account that reviews tend to skew negative).

Pregnancy is automatically covered for single-child pregnancy
$3,000 for connecting flights
Senior travellers need to meet acceptance criteria
No online discounts

Mostly. Covid-19 related medical expenses are covered, with additional expenses up to $2,500.

There is up to $5,000 for cancellations related to Covid-19, but only on the Comprehensive Plus policy.

Unlimited, but dependent on conditions

From more than 4500 reviews on Product Review, 1Cover has received an average rating of 4.3 stars by consumers.

The comprehensive policy covers more than 100 sports and activities, and includes the option to add additional packs for high-risk activities. The rest of the policy can also be personalised, allowing policyholders to add or increase cover to suit the traveller’s habits

Credit card fraud is covered up to $5,000, as is disruption of journey when the delay is for more than six hours.

Flexibility to add and increase cover to suit individual travellers
Pregnancy cover up to week 24 of the pregnancy
Travellers over the age of 80 incur a $3,000 excess
Dental limited to $1,000.

Partially. Medical expenses for Covid-19 are covered, but cancellations are not.

Unlimited, with a $1,000 limit to dental

Unlimited, but cancellation fees capped at $1,500 via travel agent

FastCover offers unlimited cover for both medical expenses and cancellations, however, it does require certain conditions to be met and has limits on specific claims. Some 43 conditions are covered provided the traveller meets the criteria.

While the policy offers good Covid-19 coverage, including listing Covid-19 as a medical expense and including it as a reason for cancellation, dental is capped at $1,000. Furthermore, lower coverage applies to travellers over the age of 80 and if you booked through a travel agent, cancellation cover tops out at $1,500.

Read more: Fast Cover Review: Features, Pros and Cons

Discounts available for more than one person
43 pre-existing conditions are automatically covered
Some limitations on flight cancellation cover
Lower coverage amounts for senior travellers

Yes, overseas medical expenses due to Covid-19 are covered, as are cancellations for those named on the insurance certificate.

Qantas Comprehensive Travel Insurance offers unlimited medical expenses, including coverage for Covid-19 diagnoses. It also automatically covers 43 pre-existing medical conditions (pending certain criteria), but requires a medical assessment, in the form of an online form, for any conditions not listed.

There is unlimited cover for cancellations and missed connections, as well as coverage for emergency dental for acute pain of up to $2,500. Note: the standard comprehensive policy is for those aged up to 69; there is a seperate policy for 70+ years.

Related: Our pick of the best travel insurance for seniors .

Lost luggage covered up to $15,000
Good Covid-19 cover
Some poor reviews albeit from a small number (257)
Fraudulent credit card activity is not covered

Yes, overseas medical expenses includes if you are diagnosed with Covid-19. Cancellations due to a positive Covid-19 diagnosis are also covered, as well as ‘reasonable’ additional expenses (such as if you are required to quarantine).

Australia Post’s Comprehensive Travel Insurance offers coverage for credit card fraud of up to $5,000, lost luggage insurance up to $12,000 (sub-limits apply on certain items) and no age limit on policies. There is unlimited emergency medical, which we would expect for a comprehensive policy, with a $2,000 limit for dental, which is also pretty good. There is no cover specifically for missed connections but there is cover for travel delay up to $2,000

However, cruises of more than two nights will not be covered and need to be added as an additional pack to the policy.

No age limit
Cover for travel delays pending certain conditions
Need to purchase an additional cruise pack if going on a cruise of longer than two nights
Only 15 activities included, with additional packs required to be purchased for snow sports and motorcycling

Partially. Covid-19 related medical expenses and additional expenses are are covered, but an additional excess applies. Cancellations due to Covid-19 are not covered, and there is no cover for claims arising from Covid-19 while travelling on a cruise.

To find our list of the top travel insurance providers, we performed an in-depth analysis of more than 30 of the most popular local travel insurance providers. This included an evaluation of their current product ratings online and reviews from previous customers; a comparison of necessary offerings; and in-depth research into their individual product disclosure statements (PDS).

Through the analysis, the following coverage offerings and conditions were compared:

Underwriter: an underwriter is the company which evaluates an applicant’s claim for approval and payment, and therefore should always be a reputable company;
The average product review rating: found via Australia’s independent consumer review site, Product Review, where policyholders rate their experience with the specific travel provider;
Conditions of age: including whether there is a maximum age cut-off to take out the policy, or whether children up to a certain age can be included with the main policy holder;
Coverage of personal liability, credit card fraud, car hire excess and lost luggage: including any additional fees, conditions, and value limits;
Medical cover, including dental, pregnancy and Covid-19: specifying what is included in the medical cover, any excess limits for dental, what weeks of pregnancy are covered (if any), and whether Covid-19 is included as a medical claim;
Whether cancellations, delays or connecting flights were covered: including whether cancellations due to COVID-19 are claimable and any conditions with travel delay coverage or connecting flights;
The inclusion of pre-existing medical conditions: from how many pre-existing medical conditions are included to whether there are conditions that need to be met, and any medication conditions that are automatically excluded;
The inclusion of sports and activities: how many sports and activities were included in the policy; any sports and activities that are not covered; the availability of additional packages to cover certain sports and activities (such as winter sports or cruises);
Emergency assistance and customer service: the availability of assistance and the level of customer service provided to a policyholder; and
Discounts: whether there were any online discounts available from the provider.

In all, there were 19 different variables we compared and considered to find the overall ranking of each comprehensive travel insurance provider. Rankings were then made between 1-5, with the leading providers–all ranked 3 and above–included in the best-of list.

You will note that we did not evaluate policies on the metric of price: this is because the cost of travel insurance is highly dependent on the circumstances, health, age and destination of the person travelling.

A Note on Star Rankings

You will note that we have included a star rating next to each product or provider. This rating was determined by the editorial team once all of the data points above were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.

The rules surrounding travel are ever-changing as the Covid-19 pandemic continues. At the time of writing, you do not need to provide proof of a negative Covid-19 test to meet Australia’s travel requirements, nor do you need proof of a Covid-19 vaccination to travel to and from Australia.

Masks are also no longer necessary on international flights. However, as per the Australian government’s health and aged care department, Australians are still encouraged to consider wearing a mask to reduce potential risk.

The rules and regulations surrounding Covid-19 travel overseas vary by country and region. Before you travel, be sure to check your destination country’s local public health orders for Covid-19 vaccination requirements, and to see if there are any isolation or quarantine orders to abide by upon your arrival.

You can check the government’s Smartraveller Destination guide to find the latest updates for your destination, along with the Australian government’s advice for travelling to that destination.

The advice levels are: exercise normal safety precautions; exercise a high degree of caution; reconsider your need to travel; and do not travel. Smartraveller explains the level of advice in attribution to each destination and the reason for such, which could include terrorist threats, high levels of violent crime, security risks and/or health measures.

If you have, or have had, a medical condition, you may need to ensure your travel insurance has specialist coverage for pre-existing medical conditions. The same applies if you are recovering from serious injury.

Most Australian travel insurance providers do include a wide range of pre-existing medical conditions in their policies, such as cancer, heart problems, respiratory ailments, Crohn’s disease and diabetes. They can also include more common complaints such as asthma and hay-fever, as well as Covid-19.

For pre-existing medical conditions that aren’t automatically included, you may need to purchase extra coverage. To find out whether your condition is listed on the policy, you will need to read the travel insurance provider’s product disclosure statement. If your condition is not automatically included, it may still be covered upon meeting certain conditions or by undertaking a medical assessment.

Some conditions may never be covered by some providers and are excluded, even pending a medical assessment. Most often, these are pre-existing medical conditions that are the result of alcohol or drug dependency.

When comparing travel insurance providers, you’ll see many different policy types and therefore need to consider which best suits your needs. These policy types include:

Single cover: cover for an individual traveller
Family cover
Single trip: providing cover for one trip, for a specific destination over a fixed time
Annual multi-trip: designed for those planning to take more than two holidays or business trips a year to multiple destinations.
Worldwide: allowing you to travel to destinations across the globe, however certain high-risk areas or those that are expensive for medical cover may not be included

There are often ‘packs’ or ‘additional extras’ that can be added on to these standard policy types, to include specific activities or travel types. This includes cruise coverage, designed to provide cover for the activities and risks associated with cruise holidays; winter sports packs, designed to provide cover if you plan to take part in high-risk activities, such as skiing and snowboarding; or backpacker coverage, which covers individuals on longer trips overseas that may span numerous countries.

Those over 55 years old need to ensure the travel provider and insurance policy they choose includes their age. Some policies have a maximum age cut off, while others do not. Meanwhile, some policies may include all ages, but incur a higher premium for those aged over specific cut offs.

Seniors should also consider the level of cover provided for medical and hospital expenses. While accidents and illnesses can happen at any age, it is a fact of life that seniors are more susceptible.

When taking out an insurance policy–at any age–it is essential that you read the insurance provider’s PDS and ask to clarify any questions that you have, so that you can ensure you are covered in the way you expect to be if a claim does arise. You can read more in our pick of the best travel insurance for seniors.

Data Research: Mia Dunn

What does most travel insurance cover?

When searching for travel insurance, it’s important to find a policy that suits your individual needs. Ideally a travel insurance policy will include medical cover, lost luggage cover, and other emergencies or accidents that may occur while you are overseas.

Insurance providers may have different limits or higher excess required for certain coverage, so it’s essential that you read the product disclosure statement before taking out a policy.

Which is the best travel insurance for over 70s?

Travel insurances often have a maximum age that they are willing to cover, largely due to the high-risk of elderly individuals. These cut-off ages vary by policy provider, and through our analysis, we found the providers that offered travel insurance for over 70s that was also highly regarded in other factors were Australia Post, Allianz, and InsureandGo. You can read more in our pick of the best travel insurance providers for seniors .

Which is the best travel insurance for Covid-19?

According to our analysis, the best Australian travel insurance with COVID-19 cover is Cover-More’s Comprehensive Travel Insurance Plan. The policy covers Covid-19- related medical expenses as included in its unlimited medical expenses cover, additional expenses up to $2500, and up to $5000 for cancellations related to Covid-19. Of course, this is a guide only, and we did not analyse all of the providers on the market, so you may find another Covid policy that is better suited to your needs.

Who is the best company for travel insurance?

It’s important to remember that rather than one travel insurance company being better than the other, you need to find the perfect match for you: if you’re over 65, then you will want a company that caters to seniors, if you are an adrenaline junky then you will want a company that offers generous activity coverage. In our analysis the following companies scored above-average ratings:

Is it worth buying travel insurance at the moment?

It’s always worth buying travel insurance, even if you don’t intend on undertaking any extreme sports or risky activities. Travel insurance will protect you if your flight is delayed or cancelled, you experience a medical emergency overseas or you lose your belongings. With so many providers on the market these days, competition is fierce so you can find reasonably priced travel insurance for as little as $2 a day in some cases.

The Department of Foreign Affairs Trade (DFAT) and Insurance Council of Australia’s (ICA) joint Travel Insurance Survey of 2023 found that one in six Australians were not covered by insurance on their most recent trip. The most common reason given for travelling without insurance was “travelling somewhere I knew I’d be safe” (29%), followed by “I wasn’t sure if it was needed” (27%) and “I just didn’t think of it” (25%).

What doesn't travel insurance cover?

Each policy is different so make sure that you read the product disclosure statement to determine whether you’re covered for Covid-related incidents or delays. As a general rule, however, you won’t be covered for mental health emergencies overseas or for incidents that occur when you are under the influence of drugs or heavy intoxication.

Is Allianz good travel insurance?

In our assessment, we found Allianz to have many positive features as a travel insurance provider, not least of which is the generous unlimited medical and dental in its comprehensive offer. While the company covers travellers for lost luggage, there is no cover for missed connecting flights.

Is Bupa good for travel insurance?

In our Forbes Advisor Australia assessment, Bupa’s comprehensive travel insurance is a solid choice. It is underwritten by Allianz, so its comprehensive travel insurance policy is almost identical to Allianz’s branded offering.

Along with unlimited medical, hospital and dental cover, Bupa offers 24/7 emergency assistance with Australian-based doctors and nurses.

How many days before should you buy travel insurance?

You should buy travel insurance as soon as you purchase your tickets, that way you are covered if your trip is cancelled. While there is cover available once you have left Australia, it is much more limiting than had you purchased insurance beforehand.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

Best overall
Best for expensive trips
Best for exotic trips
Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

Best overall: Allianz Travel Insurance
Best for expensive trips: John Hancock Travel Insurance
Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler.

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
Single and multi-trip plans available
Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

John Hancock John Hancock Travel Insurance

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
Trip cancellation for 100% of the trip cost
Trip interruption insurance for up to 150% of the trip cost
Emergency medical coverage of up to $250,000 per person
Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads World Nomads Travel Insurance

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
Coverage for 150+ activities and sports
2 plans: Standard and Explorer
Trip protection for up to $10,000
Emergency medical insurance of up to $100,000
Emergency evacuation coverage for up to $500,000
Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

Trip cancellation coverage for up to 100% of the trip cost
Trip interruption coverage for up to 150% of the trip cost
Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

Travel medical coverage - This coverage will pay for your medical bills outside the US.
Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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AXA Travel Insurance Review — Is it Worth It?

Jessica Merritt

Editor & Content Contributor

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AXA Travel Insurance Review — Is it Worth It?

Why Get Travel Insurance?

Travel insurance and covid-19, types of policies available with axa, how to get a quote, axa vs. credit card travel insurance, axa vs. other travel insurance companies, how to file a claim with axa travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Whether you’re traveling the world or crossing state lines, travel insurance such as the policies offered by AXA Travel Insurance can offer a safety net in case you have to cancel or interrupt your trip or need support along the way for medical emergencies, lost bags, or missed connections.

For more than 60 years, AXA Travel Insurance has provided peace of mind and financial stability to travelers. With solid ratings and underwriting by Nationwide Mutual Insurance, travel insurance plans sold by AXA are backed by an A.M. Best Excellent financial strength rating. AXA offers travel insurance with trip interruption and cancellation coverage, medical emergency and evacuation benefits, lost or delayed baggage, and more.

Let’s examine AXA’s travel insurance coverage options, benefits, and service and compare it to alternatives such as credit card travel coverage and other travel insurance providers.

Travel insurance can protect what you’ve invested in an upcoming trip. When the unexpected occurs, such as a trip cancellation or medical need , travel insurance can offer the benefits you need to cover it.

You might choose travel insurance for these reasons:

Your trip has deposits or payments that you can’t get refunded if you need to cancel your trip.
The health insurance you use at home doesn’t work at your destination.
You’re planning activities that aren’t covered by your health insurance.
Medical care is subpar at your destination and you may need to be evacuated to another location with adequate medical facilities.
You’re concerned about the possibility of lost bags, delays, or missed connections, especially if you have multiple flights or transfers.

Travel insurance isn’t necessary for every trip, such as if you’re traveling domestically where your health insurance works and you don’t have major nonrefundable expenses. But travel insurance is worth it if you’ve got a lot of nonrefundable expenses invested in your trip or you’ll need medical coverage at your destination.

COVID-19 can interrupt your travel plans, whether you get sick and have to cancel a trip, need to quarantine or get medical treatment while traveling, or plan to visit a destination with high COVID-19 numbers. While some travel insurance companies exclude COVID-19 from insurance coverage , AXA offers COVID-19 coverage as part of its travel protection plans , including trip cancellation and trip interruption and emergency medical and evacuation coverage.

Why Purchase Travel Insurance From AXA?

Any travel insurance company you purchase a policy from should be reputable, reliable, and stable. After all, you’re relying on the company to be there for you when you need it most. It pays to verify reviews and ratings — AXA offers good reassurance in this area.

With 64 years in business, AXA has an A- Better Business Bureau rating . On the travel insurance website Squaremouth , AXA has an overall 4.22/5 rating , with 0.1% negative reviews among more than 69,000 policies sold . AXA’s travel insurance plans are backed by Nationwide Mutual Insurance, which has an A (Excellent) financial strength rating from financial rating company A.M. Best. With 6 decades in business and solid ratings , AXA is a travel insurance company you can trust.

AXA offers travel insurance with medical and emergency evacuation benefits, trip cancellation and interruption, baggage loss, and Cancel for Any Reason (CFAR) options. Let’s look at the details of AXA travel insurance policies.

AXA offers 3 levels of travel insurance : Silver, Gold, and Platinum . Each level offers different limits, but all of AXA’s policies have 100% trip cancellation coverage, emergency medical coverage and medical evacuation, baggage delay and loss, and missed connection coverage.

Let’s compare what you get with each policy:

With plans as low as $16 and minimal coverage, AXA recommends the Silver plan for domestic travel. You can cover 100% of your trip cost for trip cancellation and interruption coverage. If your travel is delayed, you can get up to $100 per day for expenses, up to $500 total, and $200 for delayed baggage.

There’s also $500 in missed connection coverage. The $25,000 in emergency medical expense coverage isn’t much, but it might be adequate for domestic travel if you’re using your primary health insurance first.

Gold plans start at $36 but add more coverage and are appropriate for cruises or Schengen travel . Like the Silver plan, the Gold plan offers up to 100% trip cancellation coverage but bumps trip interruption to 150% of your trip cost. Limits for all coverages are higher, with $200 per day and $1,000 maximum in trip delay coverage and $1,000 for missed connections. Baggage delays offer up to $300, and you can get up to $1,500 for lost baggage and personal effects.

The health coverage is also much higher at $100,000, and it adds a $50,000 non-medical emergency evacuation option on top of the $500,000 medical emergency evacuation benefit. This plan also offers an optional $35,000 collision damage waiver.

The Platinum plan , starting at $52, steps up coverage and offers additional options. You’ll get 100% trip cost coverage for trip cancellation and 150% for trip interruption. Trip delay coverage offers up to $300 per day and a $1,250 maximum, plus $600 for baggage delays and $3,000 for lost baggage and personal effects.

Emergency medical treatment is also higher at $250,000, and you’re covered for $1 million in emergency medical evacuation — $100,000 for non-medical evacuation.

The Platinum plan also offers additional coverage for sports, with $25 per day for lost skier days, $500 for lost golf rounds, and $1,000 for sports equipment rental. It also offers optional coverage for up to 75% of trip cost with Cancel for Any Reason coverage and a $50,000 collision damage waiver.

You can get a quote directly from AXA by visiting the AXA Travel Insurance website . The quote form is the first thing you’ll see on the homepage.

To start your quote, you’ll fill out the quote form, including your state of residence, destination country, travel dates, first deposit date, total trip cost, number of travelers (up to 10), and the age of travelers.

Once you fill out the form, you’ll be presented with plan options. For a 60-year-old visiting Japan and spending $2,500, we were offered a Silver ($155), Gold ($183), or Platinum ($218) plan .

If you select a Platinum plan, you will be able to add CFAR optional coverage for up to 75% of your trip cost.

With your plan and options selected, the next and final step to secure coverage is entering your traveler information including your name and contact information, then making your payment for the policy.

How AXA Compares — Summary

AXA is a good option for travel insurance, but it’s not your only option. Let’s see how AXA compares to the coverage you can get from popular travel credit cards and travel insurance competitors .

Many travel credit cards offer travel insurance as a complimentary benefit, whether it’s car rental collision waivers , trip cancellation coverage , or emergency medical and evacuation benefits. This coverage can be helpful if you’re using your card to pay for your travel expenses, but it’s often not as comprehensive as the coverage you can get from a travel insurance policy like what AXA offers .

Let’s compare AXA’s best travel insurance policy against The Platinum Card ® from American Express and the Chase Sapphire Reserve ® , which both offer some of the best travel protections available with credit card benefits.

Unless you’re taking a trip with expenses higher than $10,000, the trip cancellation coverage should be about the same whether you’re using an Amex Platinum card, Chase Sapphire Reserve card, or the AXA Platinum plan. However, the AXA Platinum plan comes out ahead with 150% of your trip cost for trip interruption.

We see a major difference in coverage for emergency medical treatment and evacuation. The Amex Platinum card doesn’t offer emergency medical coverage, but you can arrange an emergency medical evacuation using the Premium Global Assist Hotline. The Chase Sapphire Reserve card offers up to $2,500 in emergency medical coverage and $100,000 for emergency evacuation. Neither of these offerings compares to the $250,000 in emergency medical coverage and $1 million in emergency medical evacuation coverage you can get from AXA Platinum.

Credit card travel insurance coverage is complimentary if you already have the card, but it is lacking in some areas. It’s a good idea to use your card’s travel insurance as a backup for trip cancellation, interruption, travel delays, or lost baggage, but use the AXA Platinum plan for its superior emergency medical and evacuation coverage.

It’s always a good idea to compare travel insurance quotes across multiple providers so you can find the best price and coverage. We used Squaremouth , a travel insurance comparison website, to see how AXA’s policies compare to those of other companies.

As with the initial price quotes we pulled from AXA’s website, our sample trip on Squaremouth had:

Traveling to Japan a month from now
Trip cost: $2,500
Initial trip deposit paid within the last 24 hours
State of residence: Texas

We limited results to policies that offer at least as much coverage as the AXA Platinum policy does on major benefits:

COVID-19 coverage
Minimum $250,000 emergency medical benefit
Minimum $1 million emergency medical benefit
100% trip cancellation
150% trip interruption

Each policy offered nearly identical coverage for these major benefits, and Tin Leg ‘s Silver plan had the lowest cost at $164.35, followed closely by $165.84 from HTH Worldwide ‘s TripProtector Classic plan.

If you’re mainly concerned with full coverage for trip cancellation and interruption along with $250,000 in emergency medical and $1 million for emergency medical evacuation, you can save if you go with Tin Leg .

However, the higher-priced policies offer additional coverage and options. For example, AXA Platinum offers the option to add Cancel for Any Reason coverage and includes sports equipment rentals and missed ski days or golf rounds. Tin Leg doesn’t have missed connection coverage, but Seven Corners Trip Protection Choice and AXA Platinum offer up to $1,500 for missed connections on cruises or tours.

All of the policies we quoted except for Tin Leg Silver offer employment layoff as a covered cancellation reason, and AXA Platinum allows you to cancel your trip for work reasons, though none of the other policies do. AXA Platinum also offers $100,000 in non-medical evacuation , which Tin Leg Silver and HTH Worldwide TripProtector Classic policies do not, and is much higher than the $20,000 benefit offered by the Seven Corners Trip Protection Choice policy.

AXA Platinum has a higher cost than competitors but offers more robust coverage. If you’re mainly concerned with major coverage for trip cancellation and interruption, emergency medical, and emergency evacuation, other travel insurance companies may offer a better quote. But if you want additional coverage and options such as non-medical evacuation and expanded cancellation reasons, check out the details on what AXA Platinum offers.

You can file a claim with AXA in a few ways:

Using the claim administrator portal

If you’d like to file your claim online, you can visit the portal for Co-Ordinated Benefit Plans and enter your policy number and last name to get started.

AXA travel insurance claims administrator portal

Alternatively, you can call AXA toll-free at 888-957-5015 or collect at 727-450-8794 .

If you’d like to submit your claim via email or mail, you can download claim forms on the AXA website.

Once you download the claim form, you’ll get a list of documents required for submitting your travel insurance claim, along with mail or email info. For example, on a trip interruption claim form, AXA requires you to send in:

Completed claim form
Policy verification
Booking confirmation, such as a ticket or proof of purchase
Your original unused, nonrefundable tickets
Your new ticket with confirmation of early return
A cancellation statement from travel suppliers
A medical report or physician statement if you interrupted the trip due to medical necessity
Death certificate, if applicable
Documentation of circumstances that led to trip interruption
Documentation of reimbursement request expenses, such as receipts or credit card statements

You can email the form and other required documents to [email protected] or mail to:

AXA Assistance USA On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies P.O. Box 26222 Tampa, FL 33623

AXA Travel Insurance is a reliable option with more than 6 decades of experience and solid ratings. There are 3 levels of coverage to choose from — Silver, Gold, and Platinum — that offer varying levels of coverage and options. AXA Travel Insurance isn’t the cheapest option, but it offers robust coverage options and reputable service, so it can be a good choice if you’re looking for enhanced travel protection.

For the premium global assist hotline benefit of The Platinum Card ® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For the car rental loss and damage insurance benefit of The Platinum Card ® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance plan benefit of The Platinum Card ® from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the trip delay insurance benefit of The Platinum Card ® from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of The Platinum Card ® from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does the axa silver travel insurance plan provide coverage for a safari.

Yes, AXA’s travel insurance policies offer coverage for safaris, including emergency medical expenses. Safaris are under the sports and activities covered for emergency medical and repatriation costs and personal accidents.

Is AXA travel insurance worth it?

AXA travel insurance can be worth it if you need coverage for significant nonrefundable expenses or your health coverage doesn’t extend to your destination. Competitors may offer lower cost policies for similar major coverage, but AXA may have greater policy options, so it’s a good idea to compare your options.

Is AXA travel insurance good for a Schengen visa?

AXA recommends its Gold plan or higher for Schengen travel.

Is AXA an international insurance?

Yes, you can use AXA for international travel , with coverage for countries in Europe, Asia and Pacific islands, the U.S. and Canada, Africa and the Middle East, Latin America, and the Caribbean.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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