Travel Insurance for Game Enthusiasts: Southern Cross Offers High Maximum Age Limit
If you’re a game enthusiast planning a trip, it’s important to have the right travel insurance to protect yourself and your loved ones. Southern Cross Travel Insurance provides a domestic policy that caters to the needs of Australians up to the age of 119 years old. This makes it the highest maximum age limit among policies reviewed by Forbes Advisor.
For intergenerational families who enjoy traveling together, Southern Cross’ high age limit makes it an appealing choice. The policy offers unlimited cancellation cover, which includes family emergencies as a valid reason for cancellation. However, it’s important to note that the cancellation cover does not apply if the relative is in an aged care facility or similar.
In addition to the comprehensive cancellation cover, Southern Cross provides coverage for delayed travel related to special events such as weddings or concerts, up to $3,000. The policy also includes accidental death coverage up to $25,000 and personal liability coverage up to $2,500,000.
Lost Luggage: Protecting Your Belongings
When it comes to lost luggage, Southern Cross has you covered. The policy offers coverage up to $15,000, including baggage delay during your journey with a compensation of $1000 for each paying person. Certain belongings have different item limits, such as jewelry up to $2,500 for all items and personal electronics up to $10,000 for all items.
If you have valuable items that exceed the standard item limits, you can specify them in your policy to receive higher coverage. Southern Cross provides $5,000 coverage for most specified items. However, it’s important to note that cash is not covered under any circumstances.
Medical Coverage: Understanding Your Options
While Southern Cross’ domestic policy does not cover medical expenses, it is important to be aware of your existing coverage. Southern Cross advises policyholders to contact Medicare or their private health insurance provider to understand their medical treatment coverage while traveling domestically. However, if a trip needs to be canceled or delayed due to a pre-existing medical condition, Southern Cross will cover the cancellation costs under the policy.
COVID-19 Coverage: Peace of Mind During Uncertain Times
Although there are currently no government-enforced travel restrictions or quarantine requirements due to COVID-19, Southern Cross still offers coverage in case you contract the virus. According to their Supplementary Product Disclosure Statement (SPDS), if you are diagnosed with COVID-19 before or during your journey and need to cancel, amend, or cut your trip short, Southern Cross will cover costs up to $5,000. It’s important to carefully read the SPDS to understand what COVID-19 related events are covered.
Missed Connections and Adventure Sports
While Southern Cross does not specify coverage for missed flight connections, they do provide travel interruption coverage. This covers unexpected events that interrupt your journey for more than 12 hours, requiring you to rearrange your travel arrangements. The travel interruption coverage is valued up to $30,000.
When it comes to adventure sports and activities, Southern Cross does not provide coverage for most of them. However, some activities like rock climbing and white water rafting are covered if done with a licensed instructor and following safety instructions. Extreme sports, competitive sports with monetary rewards, professional sports, and high-altitude sports are not covered under any circumstances. Additionally, snow sports are not covered, and there is no option to add snow cover.
Cruise Cover and Customer Service
If you’re planning a domestic cruise, Southern Cross offers the option to add cruise cover to your policy. However, it’s important to note that international destinations are not covered.
When it comes to customer service, Southern Cross Travel Insurance has received numerous industry awards for its exceptional service. While their current contact hours are limited to 10am to 4pm, Monday to Friday AEST, they have an emergency contact team available 24/7.
Conclusion: Travel with Confidence
When it comes to travel insurance for game enthusiasts, Southern Cross Travel Insurance stands out with its high maximum age limit and comprehensive coverage options. Whether you’re traveling with family or embarking on an adventure, their policy offers peace of mind and protection for your belongings. While medical expenses are not covered, Southern Cross ensures that policyholders are aware of their existing medical coverage. With their COVID-19 coverage and excellent customer service, Southern Cross Travel Insurance is a reliable choice for your travel insurance needs.
About the Author
“As a game enthusiast and frequent traveler, I understand the importance of having the right travel insurance. That’s why I highly recommend Southern Cross Travel Insurance for fellow game lovers. With their high maximum age limit and comprehensive coverage options, you can travel with confidence knowing that you’re protected. Don’t let unexpected events ruin your gaming adventures – choose Southern Cross Travel Insurance and embark on your next journey worry-free!”
George Barham, an accomplished journalist and avid gambling enthusiast, serves as the esteemed Editor-in-Chief at fly-to-australia.com, Australia’s leading source for comprehensive gambling news and insights. With an unwavering passion for both the written word and the ever-evolving world of betting and gaming, George brings a wealth of knowledge and expertise to the helm of our editorial team.
