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SCTI’s Australian International Medical Only policy is designed for eligible Australian residents who want overseas medical and evacuation cover—not a full package of travel protection. Its medical and evacuation benefit is listed as unlimited, but exclusions, sublimits, eligibility rules and your individual policy documents still determine what is covered. It does not cover cancellation, baggage or cruise medical costs, among other exclusions.
What SCTI Medical Only is—and who this review covers
This review concerns Southern Cross Travel Insurance’s Australian International Medical Only policy, not SCTI’s separately documented New Zealand policy. The Australian Product Disclosure Statement (PDS) linked by SCTI is effective 12 July 2025. Policy terms, premiums, excesses and limits may change, so check the current PDS and your Certificate of Insurance, medical assessment and endorsements before relying on a benefit.
SCTI describes the product as a budget-focused option for travellers primarily seeking cover for unexpected overseas medical emergencies. Its policy wording says it is designed to provide cover for unexpected medical emergencies. The insurer lists hospital care, doctor visits, prescribed medication, specialist treatment, medical transport and evacuation, 24-hour emergency assistance, medical-adviser support, guarantees for medical expenses and help contacting family, all subject to policy terms.
What the policy covers and its limits
The PDS lists medical treatment and evacuation as unlimited. That is a headline limit, not a promise that every expense will be paid: conditions, exclusions, excesses and specific sublimits apply. The following figures are in Australian dollars and come from SCTI’s Australian International Medical Only PDS effective 12 July 2025.
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| Benefit | Listed limit | Important qualification |
|---|---|---|
| Overseas medical treatment and evacuation | Unlimited | Subject to policy conditions, exclusions and sublimits. |
| Costs directly or indirectly related to terrorism | A$100,000 per person | A sublimit applies to terrorism-related costs. |
| Emergency dental treatment | A$2,000 per person | Subject to the PDS conditions. |
| Hospital cash allowance | A$100 per complete eligible day, up to A$3,000 per person | Payable after three consecutive days in hospital, subject to policy terms. |
| Accompanying person | Unlimited | Applies when the insured is travelling alone and in hospital for more than 10 consecutive days, subject to policy terms. |
| Funeral expenses or return of mortal remains | A$15,000 per deceased person | Subject to policy terms. |
| Personal accident | A$25,000 | For insured people aged 16–80; the loss-of-life sublimit is A$25,000. |
| Personal liability | A$1,000,000 per person | Subject to policy terms. |
The selected excess applies per unexpected event unless the policy says otherwise. The premium is calculated using factors including the insured people and their ages, destinations, trip duration, selected excess and any added cover for pre-existing conditions; there is no single price that applies to every traveller.
Who is eligible to buy the Australian policy?
The Australian policy is available only if the insured person meets SCTI’s eligibility rules. Among other requirements, the traveller must live permanently in Australia, be eligible for a Medicare card, travel to a destination outside Australia and intend to return to Australia. SCTI also requires that the applicant has not had cover refused, or a claim or policy declined or voided because of fraud, and can be contacted by email.
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The policyholder must continue to meet the eligibility criteria throughout the period of insurance. SCTI says the policy is void if the criteria are not met when cover begins and ends if eligibility ceases. The journey may be for a holiday, visiting friends or family, or specified non-manual work such as office work, conferences, trade fairs, training courses or business meetings. A journey, including an agreed extension, cannot exceed 12 months. Destinations must be listed on the Certificate of Insurance, except for transit stops of less than 48 hours. Check the PDS for destination and known-event conditions before departure.
What the policy does not cover
Medical Only is not comprehensive travel insurance. It omits several common non-medical protections, so it may not suit a trip where those risks matter.
Rank #3
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- What You Get: Anker USB-C Hub (7-in-1), welcome guide, 18-month warranty, and our friendly customer service.
- No cancellation, delay or trip-change cover: the policy does not insure cancellation, delays or trip changes.
- No baggage cover: loss, theft or damage to personal belongings is not covered.
- No rental-vehicle excess cover: this benefit is not included.
- No cruise medical or evacuation cover: the PDS excludes treatment on, evacuation from or repatriation from a cruise ship, and SCTI’s summary excludes cruise medical costs.
- Other exclusions apply: the PDS excludes riding a moped or motorbike, skiing and snowboarding, and applies general exclusions and activity conditions. An activity not named here is not automatically covered.
The policy is secondary to benefits available under other insurance or statutory or compensation schemes. If another source is responsible for an eligible benefit, the PDS requires you to claim that amount first. Check existing cover before assuming SCTI will be the first payer.
Pre-existing conditions and pregnancy
Pre-existing medical conditions
A pre-existing condition is not automatically covered. SCTI’s definition can include an illness, injury or health symptom meeting its awareness and lookback criteria; a formal diagnosis is not always required. Complete the medical assessment and disclose relevant conditions. SCTI may offer cover, potentially for an additional premium. Confirm any accepted condition and its terms in the assessment, Certificate of Insurance and endorsements. If your health changes before departure, notify SCTI and ask for a coverage decision.
Rank #4
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Pregnancy
The Australian PDS provides limited pregnancy-related cover up to the 24th week—that is, through 23 weeks and 6 days—if there were no complications before purchase. It excludes cover after that point and for common pregnancy symptoms. Complications and other circumstances are governed by detailed policy wording, so this is not unrestricted pregnancy cover.
How to get help and make a medical claim
For hospital admission, surgery or treatment expected to cost more than A$2,000, the policy checklist requires prior approval from Southern Cross Emergency Assistance. The PDS lists +61 2 9191 1180 as its 24-hour, seven-days-a-week emergency number; check your own policy documents for the current contact details.
Best Value
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- Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
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- For significant treatment, contact emergency assistance first. Seek prior approval before hospital admission, surgery or treatment expected to exceed A$2,000.
- For minor treatment expected to cost less than A$2,000, pay the provider. Keep receipts and medical or dental notes, then submit a claim with the supporting documents.
- Check your policy documents for claim requirements. Your Certificate of Insurance and the PDS govern what evidence is needed and whether a particular expense is eligible.
Cover starts when the journey starts and generally ends on the earlier of the Certificate of Insurance end date or the traveller’s return to Australia. An extension needs SCTI’s agreement and may cost extra; an extension will not cover events that occurred during the original insurance period.
How to decide whether Medical Only fits your trip
Start with the risks you need insured, not the product name. A medical-focused policy can be appropriate if your priority is emergency medical treatment and evacuation and you are comfortable arranging other protection—or accepting the financial risk—for excluded travel problems. It is a poor fit if you need cancellation, baggage, rental-vehicle excess or cruise medical cover.
- Confirm that every traveller meets the Australian eligibility rules.
- Check destination, trip length, activities and any cruise arrangements against the PDS and Certificate of Insurance.
- Review the excess, medical and evacuation terms, and relevant sublimits rather than treating “unlimited” as unconditional.
- Complete the medical assessment and verify that any condition you need covered is accepted in writing.
- Compare the actual quote for your travellers, dates and destination with other policies using the same assumptions and exclusions.
- Consider whether existing insurance or statutory benefits may pay first.
These checks are more useful than relying on a generic “best” or “cheapest” ranking: premiums and cover depend on the trip and traveller, and a meaningful comparison requires current policy documents and like-for-like quotes.
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