One-Way Travel Insurance

Get the cover you need for your flexible long-term trip by comparing one-way insurance with Savvy.

Last updated on August 8th, 2022 at 11:22 am by Thomas Perrotta

Compare one-way travel insurance with Savvy

Not all holidays and overseas trips have to have clear structures to them; you might simply want to travel abroad and see where the wind takes you. If you’re booking a one-way trip and are looking for the right travel insurance for your situation, you can compare your options right here with Savvy.

We’re partnered with trusted travel insurance providers who can help you access cover with the flexibility you need for your overseas trip. Compare different insurers side-by-side to help you lock in the most affordable deal with the right coverage ahead of your one-way trip.

What is one-way travel insurance and how does it work?

One-way travel insurance is a type of insurance which covers those travelling overseas for a long period, without a set end date or any plans to return to Australia. This makes it different from standard travel insurance policies, which require you to state the date upon which you’ll return to Australia as a condition of their coverage. Insurers can generally cover you for up to one year under this type of insurance, although this could be limited to 90 days if you’re over the age of 65.

As part of your policy, you’ll be required to outline to your insurer the destination or destinations you’re planning to travel to whilst overseas. Missing out any locations could leave you without cover if you need to make a claim. Your coverage will typically end shortly after you arrive at your final stop listed on your policy, ceasing within 24 hours in most cases.

If you’ve been overseas for some time and are ready to head home in the coming weeks or months, this type of insurance can also be taken out to cover your trip back to Australia (although waiting periods of up to 72 hours apply). This is likely to be a cheaper option compared to a policy covering an overseas round trip.

What will I be covered for under a one-way travel insurance policy?

The coverage offered by one-way travel insurance is, in most cases, the same as what you’d receive under any other standard international travel insurance policy. This will, of course, depend on whether you elect to take out a comprehensive or basic policy, as the former offers more in the way of cover than the latter. What your travel insurance policy covers include:

  • Medical expenses: you can claim for expenses accrued due to injury or illness whilst overseas, which may extend to:
    • Emergency medical attention
    • General medical treatment
    • Transportation to a hospital (such as in an ambulance or helicopter)
    • Medical evacuation and repatriation in Australia
  • Cancellations: your policy will allow you to claim any fees charged as a result of having to make cancellations on your overseas holiday, which can cover flights, hotel and event bookings. These may be due to:
    • You or a family member falling ill (or if a relative passes away)
    • The government changing the advice to your destination to discourage travel
    • Becoming pregnant prior to leaving and are advised against travelling
    • Experiencing an emergency, such as if your house is flooded or broken into, prior to leaving
  • Personal items: your policy can cover you for claims made on items such as your luggage, electronics, mobile phone, jewellery and even cash, up to a certain limit. This may be due to:
    • Loss of an item under a covered event
    • Damage to an item under a covered event
    • Theft of an item under a covered event
  • Hire car excess: if you’re renting a car overseas and it’s damaged in your possession, your insurance policy can cover the cost of its excess. This is provisional on factors such as you not breaking any road rules or driving on unsealed roads at the time of the accident.
  • Personal liability: if you’re found to be liable for causing damage to someone’s property or causing harm to them, you can be covered for anywhere between $2 million and $5 million depending on your insurer.

How do I compare one-way travel insurance policies?

There are many key areas to consider when comparing different travel insurance policies. Fortunately, you can do just that with Savvy. Consider the following factors when taking out one-way travel insurance:

Inclusions and exclusions

Not all policies will offer the same covered events. For instance, not all policies will include things like motorcycle cover or other, more risky activities like winter sports. By the same token, it’s crucial to look at what isn’t covered. Many policies will omit medical expenses as a result of a pre-existing health condition from their coverage, so if you find yourself in that boat, it’s crucial to compare your options to ensure you’ll be eligible to make a claim.

Cost of premiums

Of course, you shouldn’t be forced to pay more than necessary for your insurance policy. The cost of your premiums shouldn’t be the most important comparison point, as cheaper policies may not offer the cover you need, but it’s worth comparing your options thoroughly to find the policy at the best price with cover in all the right areas.

Length of coverage

As mentioned, while some insurers will allow you to take out cover for up to 365 days, this won’t always be the case. Make sure you can access the cover you need over the period you need it by considering your options on the market.

Excess requirements

You can typically set your own excess on your policy, which can range up to $500 in most cases. However, setting it at a level which is most comfortable for you is a key part of securing the best one-way travel insurance for your situation. You shouldn’t fear putting in a claim because of the cost of your excess.

Countries serviced

Insurance providers also don’t always offer coverage for all countries around the world, so it’s important to lock in a policy which allows you to make a claim in any country or city you visit over your time away from home.

Age limits

Finally, it’s worth making sure you can actually receive the cover you need based on your age. Not all providers offer policies for senior travellers and could cap their age limit at 65. However, others can insure you up to the age of 99 (albeit at a higher price than for younger travellers).

The pros and cons of one-way travel insurance


Suitable for more flexible holidays

If you want to travel freely around the world without a set end date, a one-way policy can help you do so without worrying about not being covered.

Same coverage as other policy types

Just because it’s travel insurance for a one-way trip doesn’t mean it offers any less coverage than you’d expect on a standard round-trip policy.

Available for departures or returns to Australia

It doesn’t always have to be departing from Australia that you can be covered for, as these policies can also be used as a way to return to the country safely.


Not suitable for short-term trips

If you’re looking for cover for a short trip to New Zealand with a return date in mind, it’ll be more cost-effective to buy a standard policy than two one-way policies.

Claim limits still apply

Like with any travel insurance, you may only be able to claim for things like cancellations and lost or damaged personal effects up to a set limit.

Doesn’t cover all ages

If you’re an older traveller, not all insurers will be able to offer the coverage you might need if you want to travel the globe without an end date.

More one-way travel insurance questions answered

Can I get a refund if I return home before the end of my coverage?

While returning home early from your overseas trip won’t incur any fees or added costs, you won’t be able to receive a refund for the part of your holiday which didn’t end up going ahead.

Will I be able to extend my coverage while I’m overseas?

Yes – some companies can allow you to extend your policy by up to 12 months whilst you’re overseas. However, not all providers will offer you the ability to extend your policy and may require you to purchase a new one, which you could then use to cover your return to Australia should you plan to.

Does one-way travel insurance cover me for COVID-19-related expenses?

Yes – you can be covered for COVID-19-related costs under most comprehensive insurance policies these days. This can be anything from requiring hospital treatment to having books cancelled as a result of a positive diagnosis. Not all insurers will cover the same events related to COVID-19, so it’s important to compare your options with Savvy to find the cover you need.

Can I get a one-way travel insurance policy if I’m pregnant?

Yes – however, the amount of pregnancy-related expenses you’ll be covered for will be capped at anywhere from 18 to 36 weeks depending on who you take out insurance with. As a result, if you experience any complications (or give birth) after your covered gestational period, you won’t be able to claim for any expenses related to your pregnancy.

Can my family be covered under a one-way travel insurance policy?

Yes – you can take out insurance with multiple people under the same policy, which can include your partner and children. If your kids are under 20 and not working full-time, they can usually be added to your policy free of charge. Therefore, if you need cover for a trip to the Middle East for work with no set end date, you can relocate your family with the peace of mind that you’ll have the insurance to back you up.

Should I take out insurance for a one-way cruise?

Yes – you can take out a policy to cover yourself if you’re cruising abroad with no immediate plans to return to Australia. Cruise doctors on international waters won’t be covered by Medicare, so it’s important to be insured if you fall ill or are injured while out at sea or on any subsequent legs of your journey.