Comprehensive Travel Insurance

Travel insurance for a single international trip 

International Comprehensive travel insurance provides cover for Australians travelling overseas on a single trip. 

Whether it’s a long‑planned holiday or a once off overseas journey, travel can come with unexpected challenges. From medical issues to travel disruptions, the right cover can help protect you when things don’t go to plan. 

Southern Cross Travel Insurance’s International Comprehensive policy provides cover for a single return journey overseas, helping Australians travel with confidence when the unexpected happens.

Why medical cover matters when you’re overseas 

Healthcare costs overseas can add up quickly, particularly in countries where medical treatment is provided privately. While Medicare plays an important role in Australia’s healthcare system, it generally doesn’t cover the costs of treatment you receive outside Australia. 

International Comprehensive travel insurance includes cover for medical treatment and evacuation overseas, helping protect you from potentially significant out‑of‑pocket expenses if you become sick or injured while travelling. 

Medical and evacuation cover includes 

  • Overseas medical treatment and hospital care 
  • Doctors’ visits and prescribed medication
  • Specialist treatment
  • Medical transport and evacuation
  • 24‑hour emergency assistance
  • Support from qualified medical advisers
  • Guarantees for medical expenses and assistance contacting family

Medical and evacuation cover is Unlimited under this policy, subject to the Product Disclosure Statement.

Maximum cover
medical
Medical and evacuation
Includes cover for medical treatment, doctors’ visits, prescribed medication, specialist treatment and medical transport costs. Plus 24-hour emergency assistance, support of qualified medical advisers, guarantees for medical expenses and contact with family.
Unlimited
Medical treatment
Unlimited
24 hour emergency assistance
Unlimited
Medical evacuation
Unlimited
Medical repatriation
Unlimited
Emergency dental treatment
For each person.
$2,000
Cash allowance while in hospital (after 3 consecutive days)
$100 for each day. For each person.
$3,000
Accompanying person
For each person
Unlimited
Funeral expenses or return of mortal remains
For each deceased person. No excess applies.
$50,000
Related to terrorism
For each person.
$100,000
cancelling your journey
Cancelling or changing your journey before you leave

Includes cover for cancellation fees and prepaid travel costs if your trip is cancelled or changed due to an illness, injury or natural disaster. Plus, cover for additional costs to help you attend a special event including a wedding or sporting event.

$2,500
Options to increase up to Unlimited
Cancelling your journey
For each person.
$2,500
Options to increase up to Unlimited
Changes before you leave
For each person.
$2,500
Options to increase up to Unlimited
Existing conditions of a relevant person
For each person.
$2,500
Delayed journey to a special event
For each person.
$2,500
changing your journey
Changes to your journey once you have left

Includes cover for transport, accommodation, meals, activities and tour costs if you cannot reach your next destination on time, or if you need to cut your trip short and return to Australia.

$50,000
Changes once you have left
For each person.
$50,000
Cutting your journey short
For each person.
$50,000
Travel interruption
For each person.
$30,000
Existing conditions of a relevant person
For each person.
$2,500
Delayed journey to a special event
For each person.
$2,500
Pet Services
Up to $100 a day, for each person
$1,000
Childcare expenses
Up to $100 a day, for each person
$1,000
baggage
Baggage & personal items

Cover for lost, stolen or damaged items and help to purchase essential clothing and toiletries, if your bags are delayed, misdirected or misplaced for 12 hours or more.

$25,000
Unspecified jewellery and watches
Up to $1,500 for each item, for each person. Depreciation applies.
$2,500
Unspecified mobile phones, laptops, personal computers, tablets, cameras (including related accessories)
Up to $3,000 for each item, for each person. Depreciation applies.
$10,000
Other unspecified items
Up to $1,500 for each item, for each person. Depreciation applies.
$25,000
Optional: Specified items
Up to $10,000 for each item, for each person.
$15,000
Baggage delay
For each person.
$1,000
Essential medication
For each person.
$500
Lost, stolen or damaged bank cards, travel documents and passports
For each person.
$1,000
Lost or stolen cash
For each person.
$500
personal accident
Personal accident (16-80 years)

Includes financial support for you or your loved ones if you’re injured whilst on your journey

$50,000
Loss of income
For each injured person. No excess applies.
$6,500
Total permanent disablement
For each injured person. No excess applies.
$50,000
Loss of life
For each deceased person. No excess applies.
$50,000
personal liability
Personal liability

Cover towards legal liability for damages, compensation and legal expenses.
For each paying person
No excess applies

$1,000,000
rentalvehicle
Rental vehicle excess

Payment towards any excess you must pay if the rental vehicle you hired is stolen or damaged.
For each paying person
No excess applies

$10,000
moped
Optional: Moped and motorbike cover
As per relevant section of the policy.
skier
Optional: Skiing and snowboarding cover
As per relevant section of the policy.
cruise
Optional: Cruise cover
As per relevant section of the policy.

This table is a summary of the International Comprehensive policy benefits and shows the maximum cover under each benefit for each paying person (unless otherwise stated). The excess you select applies per unexpected event (unless otherwise stated).

 

Cover designed for unexpected travel disruptions

International Comprehensive travel insurance provides cover for a range of situations that could affect your trip, helping reduce financial stress if plans need to change.

Cancelling or changing your journey before departure 

If an unexpected illness, injury or natural disaster means you need to cancel or change your trip before you leave Australia, cover may be available for certain cancellation fees and prepaid travel costs. Additional cover may also apply in some situations to help you attend a special event. 

Higher cancellation cover options are available if you want increased protection. You can choose between $2,500, $5,000, $10,000 and Unlimited cover.   

Changes to your journey while you’re overseas 

If something unexpected happens while you’re already travelling, International Comprehensive travel insurance may help with certain additional transport, accommodation, meals or activity costs. Cover may also apply if you need to cut your trip short and return to Australia earlier than planned, subject to policy limits and conditions. 

Baggage and personal items 

Cover is available if your baggage or personal items are lost, stolen or damaged during your trip. If your bags are delayed, misdirected or misplaced, cover may also help with the cost of essential clothing and toiletries. 

Item limits, depreciation and sub‑limits apply as outlined in the policy wording. 

Rental vehicle excess and personal liability 

If you hire a rental vehicle overseas, International Comprehensive cover includes cover towards rental vehicle excess in certain situations. Personal liability cover is also included and may help protect you if you’re found legally responsible for damage or injury to others while travelling. 

Optional cover you can add   

Every trip is different, which is why we offer optional cover to match your travel plans. You can choose from a range of add‑ons to extend your policy for certain activities or types of travel including: 

  • Moped and motorbike cover 
  • Skiing and snowboarding cover 
  • Cruise cover 

Optional benefits apply as described in the relevant sections of the Product Disclosure Statement. 

Understanding your excess 

Your excess is the amount you pay towards a claim for each unexpected event, unless the Product Disclosure Statement says otherwise. 

A higher excess can help keep your premium down, while a lower excess means you’ll have less to pay if you need to claim. You can choose the excess that feels right for your travel style and budget when you buy your policy. 

If you don’t make a selection, the default excess is $200. Available options are $0, $100 or $200. 

Trusted by travellers for decades 

Southern Cross Travel Insurance has been supporting travellers worldwide for over 40 years within New Zealand and over 15 years in Australia, helping more than 6 million* people manage the unexpected while travelling. 

Our experience helping Australians travel overseas means you can count on practical support when you need it most. 

Important information 

This page provides a summary of the International Comprehensive travel insurance policy only. Eligibility criteria, limits, sub‑limits, exclusions and conditions apply. 

Before buying, we recommend reading the International Comprehensive Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure this policy is right for you.

Frequently Asked Questions:

Does Medicare cover medical treatment overseas? 

Medicare generally does not cover the cost of medical treatment you receive outside Australia. If you become sick or injured overseas, medical expenses are usually your responsibility. International Comprehensive travel insurance includes cover for overseas medical treatment and evacuation, subject to the Product Disclosure Statement. 

What happens if I need medical help while travelling overseas? 

If you need medical treatment while overseas, International Comprehensive cover includes medical treatment, hospital care, specialist services and medical transport, along with access to 24‑hour emergency assistance. Cover is subject to the terms, conditions and exclusions in the Product Disclosure Statement. 

When does cancellation cover begin?

Cancellation cover generally starts from the date your policy is issued. This means you may be covered for certain unexpected events that occur after you purchase your policy and before you leave Australia, subject to the policy terms.

How does the excess work on this policy?

The excess you choose applies per event for most benefits, refer to the Product Disclosure Statement. You can select an excess level when purchasing your policy, which may affect the premium you pay.

Am I covered if I need to return to Australia early?

If an unexpected event means you need to cut your trip short and return to Australia, International Comprehensive travel insurance may provide cover for certain additional transport and related costs, subject to policy limits, terms and conditions.

Can I travel to multiple destinations on one policy?

Yes. International Comprehensive travel insurance can cover a single return journey overseas to one or more destinations, provided those destinations are listed when you purchase your policy and your travel complies with the Product Disclosure Statement. 

What you need to know

This page includes some information about our products but, as with all insurance policies, eligibility criteria, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure our travel insurance products are right for you.  

You can find the relevant documents here: International Comprehensive, Annual Multi-trip, International Medical Only, Working Overseas, Domestic.