Southern Cross Travel Insurance

Southern Cross Travel Insurance (SCTI) is an Australia and New Zealand travel insurance brand with more than 40 years of underwriting across the Tasman, so get your quote, then buy through ShopBack before you pay, where ShopBack Cashback works like a discount, only easier than a promo code. It is a direct-to-consumer brand, part of Southern Cross Benefits Limited. AU policies are issued in Australia and cover overseas medical, cancellations, luggage, personal liability, rental vehicle excess, and other standard travel insurance sections. SCTI offers single-trip, annual multi-trip, and specialty policies. Buy via scti.com.au after going through the SCTI merchant page on ShopBack Australia; the current Cashback is shown there before you buy. Always read the Product Disclosure Statement (PDS) before purchasing.

SCTI Australia typically offers Comprehensive (its main plan with medical, cancellation, luggage, and other core sections), Comprehensive Plus (higher cover limits and lower excess), Domestic (AU-only travel cover for cancellation and rental excess, no medical since Medicare applies), Annual Multi-Trip (unlimited trips within the year up to per-trip duration cap), and Multi-Trip Comprehensive Plus (highest tier). Adventure activities require review; SCTI's covered activity list is one of the broader defaults in AU. Pre-existing medical conditions require online assessment during purchase, with some conditions automatically covered.

SCTI runs regular promo code windows across the year including EOFY (June), pre-Christmas booking windows (October to December), Black Friday on 2026-11-27, Cyber Monday on 2026-11-30, and Boxing Day on 2026-12-26. Discount codes typically offer a percentage off the base premium (verify current code and terms on scti.com.au). Annual Multi-Trip policies often price sharper in mid-year windows before December peak travel. Verify current sale windows and any exclusions on scti.com.au and stack ShopBack cashback via the ShopBack SCTI merchant page.

The SCTI Product Disclosure Statement (PDS) sets out policy sections, cover limits, sub-limits, excesses, exclusions, and claims procedures. Standard sections in Comprehensive typically include overseas medical and hospital, medical evacuation and repatriation, cancellation and amendment costs, luggage and personal effects, rental vehicle excess, personal liability, and travel delay. Comprehensive Plus adds higher sub-limits and typically a lower excess. Pre-existing conditions require online assessment during quote (some accepted at no additional premium). Read the full PDS on scti.com.au/policy-documents before buying; the quote summary is not a substitute for the PDS.

InsureandGo has a broader tier structure (Bare Essentials through Black) with dedicated Cruise and Backpacker policies. SCTI focuses on a tighter Comprehensive and Comprehensive Plus structure with strong pricing and clear PDS language. For a comprehensive family holiday to Bali or NZ, SCTI often prices tighter and covers pre-existing conditions cleanly. For cruise-focused or backpacker trips, InsureandGo often has better cover fit. Cross-check quotes on the same trip and always read each PDS before deciding. Both are cashback-eligible via ShopBack on their respective merchant pages.

Cover-More (owned by Zurich) has strong distribution through Flight Centre and other retail travel agents plus direct online. SCTI is direct-to-consumer with a strong AU/NZ heritage. For a trip booked through Flight Centre with counter-attach insurance, Cover-More is often bundled. For a direct online purchase with clear PDS and competitive pricing on standard AU-outbound trips, SCTI often prices lower. Cross-check quotes on the same trip and read each PDS carefully. Both are cashback-eligible via ShopBack on their respective merchant pages.

SCTI is known for one of the cleaner pre-existing condition assessment processes among Australian travel insurers. During the quote, you complete an online medical assessment; some pre-existing conditions are automatically covered at no additional premium (per the SCTI Automatic Cover List published in the PDS). Other conditions may be covered with a health-loaded premium or excluded. Not declaring a pre-existing condition risks the claim being denied. Read the PDS Automatic Cover List section before assuming a condition is covered and complete the online assessment truthfully.

Yes. SCTI offers a Domestic Travel Insurance plan for AU-only trips, covering cancellation and amendment costs, luggage, rental vehicle excess, and travel delay. Overseas medical is not included since Medicare and private health insurance cover domestic medical costs. Domestic cover is meaningfully cheaper than international cover and useful for high-cost interstate trips (Tasmania road trips, Great Barrier Reef packages, Uluru resorts) where cancellation exposure is material. Verify current inclusions on scti.com.au/policy-documents and read the Domestic PDS before purchasing.

Go through ShopBack before you pay and the Cashback tracks to your ShopBack account. Open the Southern Cross Travel Insurance page on ShopBack, continue to scti.com.au, complete the quote and purchase and keep the policy schedule email. The current Cashback is shown on the Southern Cross Travel Insurance page on ShopBack. For a deeper look, see Earn Cashback on Hotels & Flights.

SCTI offers a cooling-off period, typically 21 days from policy issue, provided no claim has been made and travel has not commenced, during which the policy can be cancelled for a full refund. The PDS has the current cooling-off terms.

Open the Southern Cross Travel Insurance page on ShopBack, continue to scti.com.au, then complete the quote, medical assessment and purchase and keep the policy schedule email. Pending Cashback typically appears in your ShopBack Cashback Activity within 48 hours.

Southern Cross Travel Insurance is a reasonable value pick for many Australians travelling overseas, and its reliability is easy to check. SCTI underwrites its own policies through Southern Cross Benefits Limited (AFS Licence 331058) instead of relying on a third-party underwriter, has sold travel insurance in Australia since April 2009, and is part of the Southern Cross group founded in New Zealand over 40 years ago. It follows the General Insurance Code of Practice, is a member of the Australian Financial Complaints Authority (AFCA), lets you lodge and track claims online, and its website cites a 4.7 out of 5 rating from 3,168 ProductReview.com.au reviews as of 27 November 2024. On value, SCTI covers dependent children for free, lets you choose your excess when you buy, and offers an Annual Multi-trip policy that can be more cost effective if you travel overseas several times a year. Read the PDS and TMD before you buy, and go through ShopBack first so the policy costs less once your cash comes back, at the live rate on this page. read more

Shopping SCTI? Get your quote, then buy through ShopBack before you pay: ShopBack Cashback works like a discount, only easier than a promo code. SCTI's own promotions have historically been prize draws rather than discount codes. Its promotions page at scti.com.au/promotions lists cash prize draws open to Australian residents aged 18 or over who buy an eligible policy during the promotion period, with full terms published there, and SCTI does not publish a standing new customer discount on its site. The reliable ways to pay less are built into the quote: a higher excess lowers the premium, dependent children are covered for free, and Annual Multi-trip can beat several single-trip policies for frequent travellers. Go through ShopBack before you buy; the current Cashback is shown on the SCTI page on ShopBack.

Use the levers inside the quote first. SCTI lets you choose your excess when you buy, and it notes that a higher excess can help keep your premium down. Add dependent children to the same policy, since SCTI covers them for free, and if you take several overseas trips a year compare Annual Multi-trip against buying single-trip cover each time. For a budget trip where medical cover is the priority, International Medical Only is SCTI's lower-cover option, and trips within Australia only need the Domestic policy. Then go through ShopBack before you buy, an essential step that lowers the effective price of the policy. Check the live rate on this page before you get a quote.

Going through ShopBack is an essential step before you buy SCTI cover, because it lowers the cost of the trip and you still buy direct on scti.com.au. Tap through from this page, then get your quote and pay as normal. The policy, PDS, cover and claims process are the same as buying from SCTI directly, and ShopBack returns cash on the eligible premium once the purchase confirms. Check the live rate on this page before you buy.

It works like a post-purchase discount. You pay SCTI's normal premium at checkout, then ShopBack returns part of it as cash once the purchase confirms, so your effective price is the premium minus the cash that comes back. Because it comes back as cash, not points or miles, it lowers what you actually pay for the policy. Check the live rate on this page before you buy.

ShopBack's guides and blogs on Southern Cross Travel Insurance cover comparing cover quotes quickly and how travel cover providers stack up: What's the Easiest Way to Compare Insurance in Australia in 2026? and Cover-More vs InsureandGo vs Tick vs 1Cover Compared (2026).