Cookie policy

(last updated February 2014)

By using the Southern Cross Travel Insurance website, you agree to the use of cookies as disclosed in this policy.

What is a cookie?

Cookies are small text files which are sent to your computer when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies act as a memory for a website, allowing that website to remember your computer on your return visits. Cookies can also remember your preferences, improve the user experience and tailor the adverts you see to those most relevant to you.

What cookies does SCTI use on this website?

The two kinds of cookies used on SCTI’s website are session cookies and persistent cookies.

  • Session cookies are used to remember selections made on our website. Session cookies are deleted automatically when you leave the website or close your browser.
  • Persistent cookies are used to identify you when you return to our website and/or to remember specific information about your preferences. These cookies also help us understand browsing behaviour within the website, which can assist us in customising content that we believe will be most relevant to your interests. Persistent cookies are stored on the user's computer and are not deleted when the browser is closed. These cookies must be manually deleted if you want to remove them.

Different cookies are used to perform different functions.

Strictly Necessary cookies – some cookies are essential for SCTI to use in order to provide you with secure access to certain areas of our website. These cookies use a unique identifier to ensure the privacy and security of your personal, financial and health information once you have logged in to the website. If your browser is configured to reject all cookies you will be unable to log on to certain areas of the SCTI website.

Performance cookies – these cookies are used to obtain statistics on how visitors interact with our website. For instance, these cookies may be used to determine which pages are visited most often. Performance cookies collect information that is aggregated and therefore cannot be used to identify you. This type of information allows us to continuously improve our website to provide a better online experience.

SCTI example: Google Analytics cookies collect information in an anonymous form, providing SCTI with information about how our website is used. SCTI can determine where visitors have come from to our site, how they are interacting with our site and how many visits have been recorded to our site. These third party cookies assist with making on-going improvements to our website and the online experience.

Functionality cookies – these cookies allow our website to remember choices you have made previously in order to improve your online experience.

Advertising / targeting cookies - these cookies collect information about your browsing habits, which assists in the delivery of more relevant advertising. Third party organisations, including Google, collect certain information when you visit our website in order to display advertisements when you visit this website or other websites.

How do I control my cookie settings on my computer?

If you decide to disable or block cookies, parts of our website may not function correctly, or at all.

Should you choose to disable or block our cookies you can do this through your browser. Click on the 'Help' menu on your browser to learn how to manage your cookie preferences. More information is available on Google’s use of cookies and how to opt out of targeted advertising.

We may change the content of this cookie policy at any time without notice, and any revised terms located on the website from time to time will apply to your use of the website or any website services.

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 © 2020 Southern Cross Benefits Limited