Medical and hospital cover

Medical and hospital cover




Kids go free. T&Cs apply.


We hope you won’t need it, but unfortunately sometimes the unexpected happens.

If you, your travel partner or family member is hospitalised with an unexpected illness or injury overseas, it can make a significant difference if you know you have cover for any substantial medical costs.

We offer unlimited medical and evacuation cover because we want to ensure you get the help you need to be able to return home safe and sound.

Medical emergencies – serious accidents and major illness

If a serious illness or accident occurs and you’re hospitalised, make sure you or someone acting on your behalf calls our emergency assistance team as soon as possible.

If you’re covered, we'll communicate with the hospital directly to arrange payment for your treatment – so you don’t have to worry about any of the costs, and receive the treatment you need without delay.

Hospital cash allowance

To make your hospital stay a little more comfortable, we’ll pay you $100 per 24-hour period in hospital, to a maximum of $3,000 per person, per journey.

To be eligible for the cash allowance we need to have confirmed cover for your hospitalisation and you must be required to remain in hospital overseas for more than 72 hours continuously.

Medical evacuation

If you are medically fit to travel, we may evacuate you home to Australia, or another country for further treatment.

Extra travel and accommodation

If you do not need to remain in hospital (and we have confirmed cover for your medical expenses), however it is confirmed that you are not fit to travel, we will reimburse you for your additional costs. We will cover related travel, communication, accommodation and meals for you and all other travellers (named on your policy certificate), until you are fit to travel.

Support person or family member

If you're travelling alone and have been hospitalised for more than 10 days (and we have confirmed cover for your medical expenses), we'll pay for a friend or family member to accompany you.

We’ll cover their return economy flights from Australia to your location, their accommodation, and their meal expenses up to a combined total of $5,000 per journey.

Minor medical problems

If you have a minor medical problem overseas, seek treatment from a registered medical practitioner. Remember it is important to retain all original receipts, and ask for a copy of all consultation notes from the treating doctor, as these will be needed in order to assess your claim.

You don’t need to advise us of minor medical problems while you’re overseas, just make sure you submit a claim when you get home.

Emergency dental cover

If you require emergency dental treatment during your journey, we’ll reimburse you for actual and reasonable dental expenses incurred up to $750 per person, per journey.

We cover sudden, acute pain relief by way of antibiotics, temporary dressings or extraction. We also cover injury to your teeth - provided it’s causing sudden, acute pain.

Overseas funeral expenses

In the event of a death while travelling, there can be large expenses to manage and sensitive arrangements that differ country to country. To assist you or your family with these arrangements, we'll pay up to $15,000 per deceased person towards either the overseas funeral expenses, or the return of the remains to Australia.

In the event you wish to have an overseas funeral, we'll pay actual and reasonable costs for the funeral in the area where the death has occurred, or to cremate or embalm the body. If you wish to return your loved one to their home town, we'll help to arrange this and pay for the safe return of their remains as required. We also cover the cost of a scheduled return flight for an immediate family member to assist with these arrangements.

The estate of the deceased should contact our 24/7 emergency assistance helpline as soon as is reasonably possible, so we can begin our assistance.

What you need to know

With travel insurance, you're only covered for medical expenses while you're overseas. Once you've safely returned to Australia, you'll be able to receive any care required by the (Australian) healthcare system.
As with all insurance policies, there are some sub-limits and terms and conditions, so we recommend you read the Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS), including Policy Wording.

Who do you call?

When calling from overseas, our emergency assistance team is available 24 hours a day, 7 days a week on +61 2 9191 1180.

If you’re calling from Australia, you can reach us Monday – Friday 8.30am to 5pm AEDT/AEST on 1800 196 484.

What is an unexpected event?

We consider an unexpected event to be a cause or event that happens during your period of insurance that was sudden, unforeseeable or unintended, was outside of your control, and could not reasonably have been anticipated or avoided.

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.

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