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.

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). 

What’s covered?

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.)

  • Unlimited amount (Comprehensive, Annual Multi-Trip)
  • Up to $12,500 (Essential)
  • Up to $10,000 (Domestic)
Luggage and personal effects Cost of repairing, replacing or reimbursing you for your belongings if they are lost, stolen or damaged (sub-limits apply).
  • Up to $7,500 (Comprehensive, Annual Multi-Trip)
  • Up to $5,000 (Essential, Domestic)
  • Up to $2,500 (Last Minute)
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.
  • Up to $40,000 (Comprehensive, Annual Multi-Trip)
  • Up to $12,500 (Essential)
  • Up to $5,000 (Last Minute, Domestic)

What’s not covered?

If you need to cut your trip short and return or be repatriated to Australia for a reason we cover and you have not already purchased a return ticket to Australia, the cost of the ticket (based on the equivalent class to your initial departure fare) will be deducted from your claim.

Whether your trip’s one way or two (i.e. starting and ending in Australia), there are other incidents and circumstances we do not cover — called ‘exclusions’ — including:

  • any incidents that occur 24 hours after you leave immigration control in the final country you go to (hence the reason you may want to consider taking out overseas health insurance)
  • failure to get relevant inoculations or vaccinations
  • errors or omissions in your travel bookings
  • incidents involving drugs or alcohol
  • riding a motorcycle unlicensed or without a helmet
  • loss of luggage and personal effects left unattended
  • countries listed as ‘Do not travel’ on the federal government’s Smartraveller website
  • pre-existing medical conditions — other than the 27 conditions we cover
  • medical and hospital expenses incurred in Australia (which are already claimable from Medicare and/or your private health insurer).

For the full list of exclusions, please read the Product Disclosure Statement.

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. 

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.

How to make a claim

You can lodge a claim from wherever you are in the world — you don’t have to return to Australia to make one. Make a claim on your travel insurance policy.

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.

Get a travel insurance quote online