Comprehensive travel insurance

Comprehensive travel insurance




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Whether it’s a delayed flight or a week of bad weather, overseas holidays rarely go exactly to plan. However, sometimes these travel mishaps become far more serious and far more expensive.

Emergency medical care, natural disasters and even air evacuation are all unpredictable possibilities that can devastate travellers who aren’t protected with comprehensive travel insurance.

Friends on holiday eating icecream

What is comprehensive travel insurance?

There’s a lot that can go wrong when travelling, which is why it’s a good idea to get a travel insurance policy that can help foot the bill for unexpected costs.

Comprehensive travel insurance is a great way to protect yourself from unforeseen events overseas. It can provide cover for almost all the things that can go wrong overseas, from stolen luggage to medical emergencies.

We’ve outlined below some of the ways a comprehensive plan differs from a basic policy.

Comprehensive travel insurance vs basic travel insurance

Basic travel insurance policies are often cheaper than comprehensive policies, but may only cover you in a couple of ways. For example, a basic insurance policy might provide some medical cover and personal liability insurance, but may not cover you for things like lost luggage or cancellation fees.

The risk of buying a basic policy is that you pay for limited cover, so you may find that you’re not insured if something happens outside of your policy benefits. The extra cost of buying a quality comprehensive policy might prove to be worth it when something more serious happens and you need to make a claim.

Couple on holiday with a rental scooter

Our TravelCare policy

Our comprehensive TravelCare policy offers outstanding benefits. When you protect yourself with TravelCare, you also gain access to our worldwide emergency assistance team, who are available 24 hours a day, seven days a week.

Our comprehensive TravelCare insurance includes cover for:

  • Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
  • Cancellation fees and lost deposits – increase your cover depending on the cost of your journey
  • Damaged or lost baggage
  • Personal items if they are stolen or damaged
  • Rental car excess should you have an accident
  • Emergency dental treatment
  • Funeral costs

What we don't cover

Comprehensive travel insurance doesn’t cover you for anything and everything under the sun. Just like basic policies, there are exclusions to keep in mind. For example our TravelCare policy doesn’t cover you:

  • If you’re under the influence of alcohol or drugs
  • f you’re breaking the law of your destination
  • If you’re hitchhiking
  • If you’re travelling to a destination with a ‘Reconsider your need to travel’ or ‘Do not travel’ rating on at the time of buying your policy
  • If your belongings are lost, stolen or damaged whilst left unattended
  • For pre-existing medical conditions that you didn’t declare when buying your policy

Children on holiday playing in the sea

Southern Cross Travel Insurance awards

We’re proud to have received several travel insurance awards, including:

  • Mozo Exceptional Travel Comprehensive Award and Exceptional Value Cruise Award 2018
  • ProductReview Travel Insurance Award 2017
  • Best Travel Insurance (comprehensive) finalist 2017
  • Mozo Best Value Comprehensive Cover Award 2014 and 2015
  • Mozo People’s Choice Award for Best Travel Insurers 2015

Our ProductReview page includes over 2,000 customer reviews, with an award-winning rating of 4.7 out of 5 stars (reviewed on 11 September 2018). It was this high rating that won us the ProductReview Travel Insurance Award, against 13 other competing insurers.

To see why Southern Cross Travel Insurance could be the perfect comprehensive policy for your next adventure, get an instant quote today.



What you need to know

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the Combined FSG and PDS.


TravelCare is issued by Southern Cross Benefits Limited ABN 99 133 401 939, AFS License 331058 trading as Southern Cross Travel Insurance ®. SCTI is a member of the Australian Financial Complaints Authority (AFCA). AFCA has replaced the Financial Ombudsman Service (FOS), the Credit and Investments Ombudsman (CIO) and Superannuation Complaints Tribunal (SCT) schemes, so that consumers have access to a single External Dispute Resolution (EDR) scheme. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

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

Our Combined FSG and PDS (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

Copyright © 2019 Southern Cross Benefits Limited