I would like to tell people that Southern Cross Travel Insurance are excellent to deal with. We have recently returned from a holiday in Bali and Kuala Lumpur. Travelling with us was our daughter who has a pre exisiting medical condition. I had tried several travel insurance compnaies in NZ to get travel insurance for her. And only one would cover her - Southern Cross Travel Insurance. So thank you to them. We obtained cover for my daughter and her friend. Whilse on holiday her friend needed medical help. We phoned Southern Cross and they were very helpful and claiming medical expenses once home has been an easy process also. I can highly recommend them.