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One Way Travel Insurance

11 November, 2018 By Carolina Tran

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.

Where Can I Buy One Way Travel Insurance? 

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.

Insurer Underwriter Do they cover one way? Age restriction

Auto & General Services
Pty Ltd

0-66 year of age 1-365 days Maximum. 66-100 years 90 days Maximum

Certain underwriters at

Up to 84 years

Zurich Australian Insurance Limited

All ages on international comprehensive plan
Hollard Insurance Company Pty Ltd.  

Certain underwriters at LLoyd's

Up to 75 years of age

Berkshire Hathaway Specialty Insurance Company

Up to 90 years


Mitsui Sumitomo Insurance Company Limited
Up to 100 years

Allianz Australia Insurance

Up to 78 years

QBE Insurance Limited

Up to 68 years 

Certain underwriters at LLoyd's

Up to 80 years

QBE Insurance Limited


Berkshire Hathaway Specialty Insurance Company

Up to 69 years 

Certain underwriters at LLoyd's

Up to 68 years

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.

Typical Conditions Of Cover:

-  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.

Keep Your Insurer Up-To-Date

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.

Read The Small Print 

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 infact you wern't!!

Contributor Carolina

Carolina Tran

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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