One-Way Travel Insurance

Not sure when (or if) you'll be coming back? Find cover for one-way journeys.

Yes. If you're moving overseas or coming home, it is possible for you to find one-way travel insurance. While conditions vary from insurer to insurer, the good news is you can find cover. Keep reading to find out the types of cover available, who provides one-way travel insurance and more. Most travel insurance brands will require that your journey commences in Australia and that you are in Australia when applying. Ready to compare one-way travel insurance options?

Which travel insurance brands provide one-way cover?

The table below lists the providers in our panel that offer one-way travel insurance and their conditions for cover. It's important to remember to always consult the PDS for full list of terms and conditions.

Brands	Product	Product Details	Apply
	The Works	Unlimited overseas medical expenses Unlimited overseas emergency medical assistance Unlimited cancellation fees and lost deposits $12,000 luggage and personal effects	Get quoteMore info
	Comprehensive Single Trip	Unlimited overseas medical expenses $1,000 disruption of journey Unlimited cancellation fees and lost deposits $15,000 luggage and personal effects cover	Get quoteMore info
	Comprehensive	Unlimited overseas medical expenses $40,000 disruption of journey $7,500 luggage and personal effects	Get quoteMore info
	Premium single trip	Unlimited overseas medical expenses Unlimited additional expenses $6,000 Luggage and travel documents $2.5 million personal liability	Get quoteMore info
	International Comprehensive	Unlimited cancellation fees and lost deposits Unlimited overseas medical and expenses $12,000 luggage and personal effects $3 million personal liability	Get quoteMore info
	Go Plus Single Trip Cover	$10,000,000 alternative travel expenses $10,000,000 overseas medical expenses $7,500 luggage and personal effects $5,000,000 personal liability	Get quoteMore info
	Gold Single trip	Unlimited cancellation fee Unlimited overseas medical expenses $5,000,000 personal liability $8,000 luggage and personal effects	Get quoteMore info
	Comprehensive International	Unlimited cancellation fees and lost deposits Unlimited emergency medical assistance Unlimited overseas medical expenses $12,000 luggage and personal effects	Get quoteMore info

What Australian insurers will provide cover for one way journeys?

Who can benefit from one-way travel insurance?As the name suggests, one-way travel insurance covers one-way trips. Also commonly referred to as expat insurance, there are two different types of people typically suited to this type of policy. I'm moving overseas, can I get one-way travel insurance? If you are moving overseas and not returning home in the foreseeable future, this cover can make sure that you and you processions arrive safely in stated destination. One-way travel insurance can also be used as a bridge, provide you with cover until such time as you have been able to secure adequate insurance in your new home. What if I'm returning home after an extended period overseas? If you have been living overseas and planning on heading home, one-way travel insurance can protect your return journey. Just like how one-way travel insurance protects those moving overseas, it can protect you and your possessions in transit back to Australia.

Find out about life insurance for expats

What am I protected from?

As you would expect, the exact type and level of cover on offer under a one-way travel insurance policy differs between insurance providers. When choosing cover, you may want to consider the following questions:

• Do I need cover for overseas emergency medical assistance? This includes 24-hour medical assistance, ambulance fees and medical evacuations.
• Does the policy cover overseas emergency medical expenses? A medical emergency overseas can be expensive, so your one-way travel insurance will cover things like medical costs, hospital costs and emergency dental costs. The expense of your medical repatriation back to Australia if required is also covered.
• Am I covered for any additional accommodation and travel expenses? If illness or injury stops you from travelling while overseas, your one-way travel insurance will cover the additional accommodation and travel expenses you incurred.
• What if I lose my luggage, is it covered? If your luggage and/or personal belongings are lost, stolen or damaged, your one-way travel insurance will cover the cost of their repair or replacement.
• What happens if my travel delayed? If your prepaid transport is delayed, cancelled or rescheduled due to unforeseen circumstances you’ll be reimbursed for the cost of things like extra accommodation, meals and transfers.
• How does the policy treat cancellation, am I covered? If unforeseen circumstances (such as losing your job or a family member’s serious illness) force you to cancel your trip, you’ll be reimbursed for any cancellation fees or lost deposits resulting from pre-paid travel arrangements.
• If someone steals my cash, am I covered? And for how much? . You’ll be covered up to a certain limit for the theft of cash from your person.
• I lost my passport, is that covered? If your important travel documents (including your passport) are lost, stolen or damaged, their replacement costs will be covered by your one-way travel insurance.
• My bags haven't arrived ... is there a benefit? If a travel provider loses or misplaces your luggage, you’ll receive the funds you need to buy emergency clothing and toiletries.
• Am I covered for personal liability? This section of a policy covers your legal liability for causing bodily injury or property damage to a third party.
• Is rental vehicle excess covered? If your rental car is stolen, damaged or crashed, your one-way travel insurance will cover the cost of the rental company’s insurance excess.
• Am I protected against accidental death? Your family will receive a benefit if you die as a result of an accident while overseas.
• What about total and permanent disability, is that covered? You’ll receive a benefit if you become disabled as a result of an accident while travelling.

What are some advantages to this cover?

One-way travel insurance is designed for a unique section of Australian travellers.The importance of travel insurance cannot be overstated. If you’ve ever had circumstances conspire to ruin your holiday plans, you can vouch for this.

• I have no plan on returning home. If you’re going away for an extended period of time and have no idea when you’ll be returning home again, you can still benefit greatly from having travel insurance in place.

• I am moving overseas. The same goes for those people who may be moving overseas — moving is stressful at the best of times, let alone when you’re heading abroad, so one-way travel insurance offers an extra level of confidence and peace of mind.
• I need cover for a variety of situations. A general outline of the cover you may want is listed above, but you can expect cover for situations such as overseas medical emergencies, cancellation fees and lost deposits, travel delays, luggage delays, lost or stolen luggage, rental vehicle excess, theft of cash and personal liability.
• I don't want to have to come home to make a claim. You won’t need to return home before making a claim, and you’ll be protected if something unexpected goes wrong while you’re travelling. Having one-way travel insurance gives you the sense of security you need to simply set about enjoying your travels.

When am I not covered?

There are certain circumstances under which travel insurance claims will not be paid. These include:

• if your claim is the result of attempted suicide or an attempted self-inflicted act
• if your claim is a result of you acting unlawfully or recklessly
• if your claim results from you being under the influence of drugs, except for those prescribed by a medical practitioner
• if your claim results from you being excessively under the influence of alcohol
• if you ride a motorcycle on your trip
• if your claim results from you leaving your belongings unattended in a public place and they are lost or stolen
• if you participate in high-risk adventure sports and activities like skydiving
• if you are more than 26 weeks pregnant and you suffer any pregnancy-related complications.

Can I get travel insurance back to Australia when I finally decide to return home?

If you decide to return home or visit Australia after period greater than five years, your Australian resident status may be expired. In these cases, you can get inbound travel insurance for non-residents. Inbound travel insurance essential offers you comprehensive travel insurance (which includes medical expenses cover) while you visit home or while you seek residency as you return home. If you're still a resident of Australia, then you are still eligible for Medicare. In this case, you can get domestic travel insurance to cover non-medical related risks such as flight cancellations.

Can I get travel insurance for a one-way cruise trip?

Yes. It is possible to get travel insurance that covers one-way cruise trips where your cruise finishes in a different destination to where it first left port. What if I am not planning on returning to Australia at the end of my cruise trip? It will depend on the policy that you choose. If you are taking a cruise that finishes overseas and you do not have a return ticket booked, it is still possible to get cover though conditions will vary between insurers around whether your journey must both start and finish in Australia. As an example, the terms and conditions of the Insureandgo cruise travel insurance policy clearly states that a cruise trip is recognised as:

• A single return holiday or journey up to 365 days in length that begins in Australia and ends in your home address in Australia.

Anything else I need to know?

• Do I need to tell my insurer I'm going on a one-way trip? One of the most important things to remember is that you’ll need to inform your insurer that you’re travelling on a one-way ticket when you apply for cover. If you fail to do so, your policy could be void. It’s always important to be upfront and honest with your insurance provider and disclose any relevant information about your travels.
• When is my cover up? Though terms and conditions differ between policies, cover under most plans will cease roughly five to seven days after you arrive at your destination. This is important to remember, as you may need to look at other insurance options at your destination to make sure you have enough cover in place.
• How old can I be when taking out one-way travel insurance? Every travel insurance policy comes with a maximum age limit for the life insured. This may be 75 years on some policies, or 100 or more on others. You’ll need to be aware of this when applying for cover.
• I have a pre-existing condition, does it matter? You need to inform your insurer of any pre-existing medical conditions you have. Whether or not you’ll be able to take out cover for those conditions will depend on your insurer and the nature of your illnesses or injuries.

Okay, I'm ready to compare policies

Travel insurance really is an essential consideration for trips of all shapes and sizes, from quick getaways to extended overseas jaunts. And just because you’ve only got a one-way ticket booked doesn’t mean you can’t take out cover. In fact, one-way travel insurance offers crucial protection against an extensive range of travel risks, including everything from cancellation fees to lost luggage and flight delays. In addition, it is specially designed to suit the needs of one-way travellers. However, in order to find the right policy for your needs, it’s essential that you compare all the available options and seek expert advice from an insurance consultant of required.

Make an Enquiry for One-Way Travel Insurance

_{^{Picture: Shutterstock}}