One Way Travel Insurance

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

Did you know, most travel insurers require you to have a start and return date in New Zealand in order to buy a policy? So if you're going overseas and not planning on returning, finding cover can be a tad tricky!

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 New Zealand, this is different. Most insurers allow you to purchase a regular policy if you intend to head back to NZ, but just have not bought a ticket yet.

Insurer	Underwriter	Do they cover one way?	Age Restrictions	Buy Now
AA Traveller	Certain Underwriters of Lloyds		Under  100
Columbus Direct BUY	Certain Underwriters of Lloyds		Under 84	Go To Insurer
Cover-more	Zurich Insurance Group		Under 84
DUinsure BUY	Certain Underwriters of Lloyds		Under 50	Go To Insurer
Travel Insurance Direct	Certain Underwriters of Lloyds		Under 81
Worldcare	Allianz Australia Insurance Limited		Under 100

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 New Zealand citizen

- A waiting period may apply to claims for illness or injury

-  In many cases your trip must originate in New Zealand (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 New Zealand, 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!!