Southern Cross Travel Insurance Review

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Southern Cross Travel Insurance is well known in New Zealand. It has also recently won an award for the workplace for being the overall top employer winner and small workplace category winner in the annual Unlimited/JRA Best Places to Work in New Zealand survey.

To apply for Southern Cross Travel Insurance you must be aged 80 or under and have a valid New Zealand Work Permit or travelling to New Zealand as a visitor.

Good Points

  • Buy online and you get 20% off Travelcare
  • 24-hour emergency assistance / 7 days a week
  • You can cancel your policy providing it is within 10 days of purchase and before your start data and receive a full refund.
  • Confirmation Via Text Message and Email that cover is in place
  • 15% Discount for Southern Cross members

Bad Points

  • Even with 20% cover is still expensive compared to other travel insurance companies
  • If you are aged 61 to 80 years of age at the time your policy is issued, a premium surcharge will apply.
  • Travellers aged 81 or over are not eligible for this insurance policy.
  • Cancellations or an administration fee may apply if you want to cancel or amend your policy later than 10 days after purchase

Travel Insurance Types

Frequent Traveller Insurance – A annual policy for New Zealanders travelling regularly for business or holidays
Working Overseas Insurance – This is for New Zealanders going overseas for work or on a working holiday
Visiting NZ insurance – Health and Travel insurance for visitors coming to New Zealand to work or for a holiday
International Student Insurance – Health and Travel Insurance for students studying in New Zealand

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Policy Benefits

  • No Excess on Medical Claims
  • Cover for hospitalisation, doctor and prescription expenses
  • Medical departure back to your home country if you have the visiting NZ Insurance – If you are injured or become ill and the cost of medical expenses exceeds the cost of departure, Southern Cross are  entitled to return you to your home country if you are medically fit to fly unless you have a Permanent residency permit.
  • Cover for flight cancellations, lost luggage and missed connections
  • Cover for lost or stolen passports and other important travel documents
  • Travel friend expenses, if hospitalised or repatriated
  • Accidental death and permanent dasablement cover
  • Personal liability protection cover
  • Rental Vehicle excess cover
  • If you select Visiting NZ Max as your plan, Southern Cross will compensate you if you are robbed or mugged and your personal belongings are stolen

Contacts

Southern Cross Travel Insurance Consultants
Within New Zealand: 0800 800 571
International: +64 9 379 4970

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Things you should know

Most types of work can be covered, apart from professional sport, heavy manual and hazardous work.

If you purchase the Visiting New Zealand Insurance then please select which plan is right for you carefully (Visiting NZ Max or Visiting NZ Essentials) The Visiting NZ Max offers you additional cover for the loss, theft or damage of your Baggage and Personal Items.

It is your responsibility to look after your items. Southern Cross will not cover you for items left unattended.

If any claim involves an accident, you must first make a claim to the New Zealand Accident Compensation Corporation (ACC).

You must report any items that have been loss or stolen to the police within 24 hours and obtain a written report. If you do not report these then Southen Cross will not cover you for these.

How to make a Claim

You will need to print a claim form by downloading one from the site or you can click here to download it. Once it is completed and signed you can post or delivery it with all the documentation.

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Author: nzbackpacker

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6 Comments

  1. SCTI are useless.
    Their 24/7 operation is just a message service. I’m in the UK and as their poeple who count work 9 to 5 in NZ – communications are badly delayed.
    I need to get home urgently because of a family tragedy, but find their having to wait for a decision from ‘senior management’ most frustrating.
    I paid a big surcharge because of an existing medical condition but, at this stage they are doing nothing to help prevent me having a repeat en-route.
    They were expensive – even aftfer their online discount – I am no better off with the insurance which, so far, has been a waste of money.
    My travel has been solely in the UK and I have seen doctors here at no charge under the reciprocal deal with NZ (including a Sunday house call).
    Next time, I’ll take the risk and not waste money on insurance.

  2. I have made a claim with Southern Cross. After 5 weeks they have still not attended to it, although they state that claims will be resolved in 3 weeks. Very expensive

  3. Southern Cross Travel Insurance nearly cost me my life.

    After being severely injured in Colombia with a fractured T12 vertebrae, sacrum, left hip and right foot, due to an 8 metre fall off a balcony with an unsecured railing, my family put in a claim on my behalf.

    I spent six weeks of absolute hell in a well below substandard hospital on the coast of Colombia, with my family on the phone night and day to representatives and middle men for the company, trying to secure a flight for me back home to Australia, however SCTI would not give any assurance that they were going to cover my costs. They also informed my brother 4 weeks into my hospital stay, that if he flew over to assist me, he could claim after the fact.

    In the end, I had a severe and aggressive infection that had spread through the shoddy metalwork installed in my back, into my spine, and the hospital that SCTI thought appropriate that I be treated at was not treating me with any antibiotics because of an allergic reaction I had developed to them, nor were they giving me any sort of sedative, and were giving me shoddy pain relief in the form of inconsistent shots of pethidine, leaving me with less than an hour sleep a night, the entire 6 weeks spent in indescribable agony.

    So it was only after the doctor informed them that I was not being treated for the infection, which would have killed me, did they put forth a “full and final settlement” agreement, stating that they would paid the hospital bills so I could come back to Australia, if I agreed to forgo the rest of the policy, which was the most expensive full cover policy you could get. Otherwise, they would have to “continue” the investigation to see if I met the policy requirements. On our end in Colombia, it looked like no investigation at all had taken place since the date of the accident. My brother was the one who had to not only hire a translator out of pocket, but also pay local police to receive a report that was required by SCTI, and almost incomprehensibly, the only time SCTI seemed like they were getting involved, was when they sent two “tourist police” to the hospital to take pictures of me in order to verify that I was indeed actually in the hospital, before they would sort out payment with the hospital administrator.

    After I got back and received proper treatment and further surgery, spending another 6 weeks in hospital in Australia, we decided to pursue the case with the Financial Ombudsman Service. SCTI tried all the tricks in the book; asserting drug abuse, although no toxicology report was performed; asserting that the owner of the hostel had produced a witness to claim negligence on my part (6 weeks after the fact, a magical witness turned up that had purportedly seen me “climbing on the balcony”, even though this was 3am, with everybody else in the building asleep, and me on the ground screaming in agony for 45 minutes before one of my friends finally woke up and looked down from the balcony to see me sprawled on the ground), as well as refusing to pay for my brother’s flight over, as they had stated they would do.

    After a further six months of investigation and going over all correspondence between my family and SCTI, as well as being privy to certain notes from the insurer that we were unaware of, the Ombudsman reported that SCTI had never actually initiated an investigation. They had a note on their files indicating that they had turned down a private investigator two days after the accident because he was “too expensive”, and from then on no investigation actually took place. The Ombudsman concluded that I was forced to sign the “full and final settlement” agreement “under duress”, and that the underhanded means in which SCTI attempted to wrangle their way out of the policy was in his words: “unconscionable”. He ordered them to pay out the rest of the policy as well as all out of pocket expenses incurred from flight changes and upgrades, my brother’s flight, and a sum for “non-financial loss”.

    For me, the word unconscionable doesn’t quite do it justice. Their conduct the whole way through was unprofessional and absolutely negligent, treating me as if I were a number, rather than an individual going through hell in a hospital far from home, and far from adequate care.

    I hope that people read this, and tell their friends. I hope that nobody ever has to go through what I went through with an abominable company like SCTI.

  4. IF YOUR RELATIVES OR FAMILY MEMBERS LIVING OVERSEAS THEN SHOULD THEY BECOME VERY ILL OR DIE WHILST YOU ARE OUT OF NZ ON YOUR TRIP, THEN YOUR EXPENCES TO GET TO THEM ARE NOT COVERED IN YOUR POLICY.
    YOU ARE ONLY COVERED IF YOU RETURN TO RELATIVES WHO LIVE IN NZ AND YOU HAVE THE APPROVAL OF SOUTHERN CROSS TO NRETURN TO NZ.
    IT IS UNFORTUNATELY FOR NZ’S WHO HAVE FAMILY OVERSEAS THAT MOST OF THE TRAVEL POLICYS AVAILABLE IN NZ DO NOT COVER YOUR COSTS TO GO TO THESE LOVED ONES IN THEIR HOUR OF NEED.

  5. watch out for their rental car cover, if you cause the accident you aren’t covered!!!

  6. Reply to “Rosemarie Carr”: It is normal for travel insurers to not cover your costs to fly to somewhere else around the world when a Relative becomes sick or worse. The journey that has been insured is the journey in question, so the policy will cover the costs you incur to return home from your trip to be with your Relative(s). Most policies limit the location of the Relative to being in NZ, particularly if the Relatives illness is due to an existing condition. Like all things available for purchase, you get what you pay for. If you want a truly comprehensive policy for your travel, purchase from a travel agency or through an insurance broker, as these people can find the correct policy for you, and assist you in the claims process. If you deal direct with an insurer, expect to deal directly with them when something goes wrong as well…

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