Southern Cross looked great, until I read this.
(the whole point of my insurance is to cover medical costs in a different country AND the excess costs of quarantine).
View attachment 277264
Agree, and also, Southern Cross Travel Insurance excludes coverage for travel to many destinations such as when the Australian Government's Smart Traveller site says 'reconsider your need to travel' (examples include Brazil, Chile, Colombia, Cuba, Ecuador, Guam, Mexico, Philippines, Saudi Arabia, Solomon Islands (!) and Tonga) or 'do not travel' (examples include Iran and Venezuela).
Yet with some nations above, the reason(s) government bureaucrats claim one should 'reconsider' do not focus on COVID_19 at all.
A useless policy, so despite many on review sites recommending this company, it's one to avoid:
Supplementary Product
Disclosure Statement (SPDS)
Effective from 17 November 2021
scti.com.au
In summary, this SPDS extends your policy to cover:
• Medical expenses (up to $Unlimited) if you are diagnosed with COVID-19 while on your journey
• Costs (up to the limit you selected when you purchased your policy) to change your travel
arrangements if you or a relevant person (relevant person conditions apply) are diagnosed
with COVID-19 before you leave and your journey is cancelled or amended
• Costs (up to $5,000) to change your travel arrangements if you or a relevant person
(relevant person conditions apply) are diagnosed with COVID-19 after you leave and your
journey is interrupted or cut short
Cover only applies when travelling to a destination with a Smartraveller travel advice level of
‘Exercise normal safety precautions’ (level 1) or ‘Exercise a high degree of caution’ (level 2).
Too crafty by half.