Southern Cross Travel Insurance

About Southern Cross Travel Insurance

Southern Cross Travel Insurance is one of New Zealand's most trusted insurance brands. SCTI uses a 3-year lookback period to define pre-existing conditions and has a clear process for applying to have conditions like cancer covered under your policy.

How SCTI Handles Cancer Cover

Cancer Cover Notes

SCTI defines a pre-existing condition as any condition for which you've had symptoms, treatment, or investigations within the past 3 years. Cancer diagnosed or treated within this period must be declared and an application made to have it covered. If the application is successful, an additional premium applies. If unsuccessful, the cancer is excluded but you retain all other policy benefits. The 3-year lookback is relatively favourable compared to some providers who look back further.

Key Strengths

• ✓Trusted New Zealand brand with strong claims reputation
• ✓Clear 3-year lookback period defines pre-existing condition scope
• ✓Apply for pre-existing cover at quote stage — no separate process
• ✓Unlimited medical and evacuation cover

How to Apply for Cancer Cover with SCTI

1. 1Visit the SCTI website using the link below and start a quote.
2. 2When asked about pre-existing conditions, declare your cancer history. Do not skip this step.
3. 3Complete the online medical questionnaire. Have your diagnosis date, treatment history, and current medications to hand.
4. 4Review the outcome — cover approved with premium, cancer excluded but policy issued, or unable to cover. Compare with other providers if needed.
5. 5Read the policy wording carefully before purchasing to understand exactly what is and is not covered.