Travel insurance for your one-way international trip
Emigrating or going overseas for an indefinite amount of time and not sure when you’ll be returning home to Australia? Even if you don’t have a return date in mind or haven’t booked a return flight, we can still insure your one-way trip.
Whether you plan to settle in your final destination as soon as possible or take your time and visit multiple countries along the way, we can cover you for up to 365 days (policyholders 65 years of age or under) or 90 days (66 years of age or older).
Your travel insurance will end 24 hours after you leave immigration control in the final country you go to or at the end of the period shown on your insurance certificate, whichever is earlier.
(If you plan to return to Australia but are just not sure when and haven’t yet bought a return ticket, you can still buy one of our policies — just give us a best-guess return date. If later on you decide to push back your return date, you can extend your policy by contacting us or via your online account.)
Conditions of cover
To be eligible for one-way travel insurance from Budget Direct, you must, among other things:
- be an Australian citizen or permanent resident for the duration of your trip
- be a non-permanent resident with a valid Medicare card, private health insurance or overseas student travel insurance for the duration of your trip
- buy the cover before your trip starts
- depart on your overseas trip from Australia
- reach your final destination within 365 days (travellers aged 0–66) or 90 days (66–100).
Whether you’re going on a one-way or round trip, Budget Direct travel insurance provides you with the same level of cover.
In other words, if you’re travelling just one way, you’ll be covered for everything a standard, return policy would cover you for.
Among the most important benefits are:
|Benefit||Description||Claim limits (per insured person)|
|Overseas medical and hospital expenses||Cost of unforeseen emergency medical and hospital treatment overseas (excluding pregnancy and childbirth).||Unlimited amount (all international policies)|
|Cancellation and amendment fees||
Cost of pre-paid travel, accommodation, etc., in case you’re forced to call off or reschedule your trip due to an insured event (e.g. an unforeseen illness or injury).
(Does not apply to Last Minute cover.)
|Luggage and personal effects||Cost of repairing, replacing or reimbursing you for your belongings if they are lost, stolen or damaged (sub-limits apply).||
|Additional expenses||Extra travel, accommodation and meals expenses — over and above what you budgeted for — if your trip is disrupted or cut short due to an insured event.||
Get an online quote and save 15%
Get a travel insurance quote online in 30 seconds or call us on 1800 444 424.
When you get a quote for your one-way trip, we’ll ask you ‘When are you returning?’
Simply enter the date 24 hours after you plan to arrive at your final destination as the return date.
Can I extend my cover from overseas?
Yes — if you want to prolong your one-way trip and reach your final destination later than originally planned, you can increase the period of your travel insurance by contacting us or logging into your online account and editing your return date.
Your last opportunity to extend your policy is two days before it expires. You can extend it just once, for a maximum duration of 12 months (if you’re 65 or younger) or 90 days (if you’re aged 66 to 100).
Find out more
The information on this page is a summary only. For more details about Budget Direct travel insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement.
Overseas health insurance
When you reach your final destination, your Budget Direct travel insurance will expire and you’ll no longer be covered by us for things like overseas medical and hospital expenses.
To avoid a break in cover, you may want to consider prearranging health cover for overseas visitors from a local provider, if available, or international private medical insurance for Australian expats.
Australia has reciprocal health care agreements (RHCA) with nearly a dozen countries, whereby you can get help with costs for medically necessary care, including:
- emergency care
- care for an illness or injury that can’t wait till you get home.
Even if your final destination has an RHCA with Australia, it won’t necessarily meet all your healthcare needs, such as repatriation back to Australia. So you may want to consider taking out more comprehensive health insurance.
Returning to Australia (eventually)
Once your one-way Budget Direct travel insurance policy expires, and if you decide to return home to Australia, you’ll have to seek insurance from another provider for your return trip, as we only insure trips that originate in Australia.