Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Did you know, most travel insurers require you to have a start and return date in Australia in order to buy a policy? So if you're going overseas and not planning on returning, finding cover can be a tad tricky!
One way travel insurance will cover you for any unforseen events that could happen during your one way flight and trip away, however, in most cases cover typically ends when you reach your final destination and have passed immigration. This varies from insurer to insurer, some will cover you for a period in your final destination, so make sure you check this before purchasing.
We’ve done all the hard work for you! Here's a handy table showing who offers one way cover and any restrictions they may have.
NOTE: If you are going overseas, plan to return, but do not have a confirmed return date to Australia, this is different. Most insurers allow you to purchase a regular policy if you intend to head back to Oz, but just have not bought a ticket yet.
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
- You must tell your insurer you’ve only bought a one way ticket otherwise your cover could be invalid
- You must be an Australian citizen
- A waiting period may apply to claims for illness or injury
- In many cases your trip must originate in Australia (but not always)
- Like any policy there might be age restrictions (listed below)
- You must tell your insurer about any pre-existing medical conditions you have
- One way insurance might expire between 24 hours to 7 days after you arrive at your destination
It's important to note that should you require repatriation to Australia, travel insurance would normally use your return ticket to get you home. However, on a one-way journey (with no return ticket) you will need to contribute the equivalent of an economy ticket for the return journey.
If you’ve purchased a single trip policy but decide to extend your trip but forget to extend your insurance, you will find yourself without cover. If you do not return home on the date that’s specified on your certificate of insurance, and you do not tell your insurer, your policy could be cancelled.
We know it's not particularly exciting, but each insurers' policy will vary, especially when it comes to their one-way insurance policies. Because of this make sure you read the small print to understand your cover. You don't want to find yourself in a situation when you thought you were covered when in fact you weren't!!
Most Australian insurers offer Australian residents cover even if you don't have a return ticket, just so long as you intend to buy a return ticket to come home to Australia before your policy expires. If you're a non-resident going on holiday from Australia to another country, many insures will require you to have a return ticket at time of purchase as a condition. If you're leaving Australia with no intention to return home in the next 12-18 months, because you're holiday, working overseas or moving for the forseeable future, most standard travel insurance policies won't cover you, and you'll need to look into a one-way travel insurance policy (like the ones on this page), or you'll may wish to consider coverage from your overseas country.
Yes, the insurers in the table above offer coverage to travellers who are only travelling one-way, and do not require you to have a return ticket for their one-way policies.
Bupa's health insurance generally does not cover you while travelling, however they do offer a separate travel insurance product. If you're a non-resident, many insurers will ask if you have private health insurance in Australia if you don't have access to Medicare, and your Bupa health insurance may fulfil their criteria - but check the documents of both policies to be sure.
Carolina has been working exclusively in the travel insurance industry for over two years. With a customer consultancy background and currently studying law, she is a fine-print wizard who loves helping travellers find a policy that actually works for them. Speaking two languages and having travelled all over the world, Carolina discovered that she is not cut out for working holidays after a stint on her grandparents’ southern Vietnam farm, and is definitely a lounge-by-the-pool kind of lady.
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