Travel Insurance One Way

Despite what the airlines would like for you to believe, there are many instances where a person would travel overseas with just a one way ticket. For example, suppose you live in the Australia, and you are headed for the United States for an extended holiday. You have in the back of your mind that you will try to find some sort of job while you are there, and if things go well, you might just stay a while. You may be returning to your home country after working overseas for a period of time. You may be leaving one country for good in order to take up residence in another one. Or, you may be heading out on a backpacking expedition that you have planned for months, with the date you will go back home the only undetermined factor.

All of the above scenarios point to a one-way ticket to your chosen destination. Hopefully, you are aware of the importance of travel insurance, and how it can be both a literal as well as a figurative lifesaver if something unplanned and untoward should happen while you are away from home. But, are you aware that most travel insurers will only provide cover if you have a date when you are returning to Australia.

If you were to go ahead and travel one way on a standard policy, and something were to happen to you or your belongings before you reached your destination, the entire travel insurance policy could be invalid, and you might not be covered for anything at all! A standard travel insurance policy automatically assumes that you are going to return to the country you left from. You must advise the insurer of your plans to travel one way in order to have valid one way overseas travel insurance.

Generally, you will not be charged anything extra for a one way policy if it were added to a standard policy. However, you would be responsible for the cost of your plane ticket if by chance you had to be returned to the country where your trip originated because of an accident or illness. Your Product Disclosure statement that comes with your travel insurance policy may tell you more about this, or email your insurer to find out more.

Suppose you were flying from Australia to the United States, with plans to embark on a backpacking expedition once you set foot on American soil, and no date in mind to return to Australia. However, on the plane trip to the United States, you are taken suddenly ill. Once you arrive in the USA, you are rushed to hospital, where you undergo emergency surgery.

Do you have any idea how much this treatmentwould cost or the cost for you to be flown home in an air ambulance? Can you imagine how awkward it would feel to be hospitalized in a foreign country where your Australian medical insurance may or may not be recognized? How long would it take for you to pay off a large hospital and ambulance bill without the help of medical insurance? Never assume you don’t need travel insurance, even if you are just travelling one way. Bad things can and do happen to good people, so don’t take chances with your health or your bank account. Instead, be sure to specify one-way travel when you purchase travel insurance.
Cheap Insurance Article Source :
http://www.insure4less.com.au/blog/2009/04/24/travel-insurance-one-way/