For the most part, travel insurance policies do not have one way options, so if you think that you can get a policy cheaper by only getting a one way service, it doesn’t quite work that way. The good news is that if you have a one way ticket to a destination, you are still probably covered by your travel policy anyway.
The following are all situations in which you might have a one way ticket to a place and still need travel insurance.
1. Study Abroad
Many students decide to travel around once their studies have ended and they might not know when they want to return until after they get over to the country that they are studying in.
If you plan on doing this, then one thing that you should definitely be concerned about are medical expenses. If you are on your parents’ policy at home, that is no guarantee that you will be covered abroad.
Luckily, there are student insurance policies available that are designed specifically for those who are studying overseas. If you get the International Student Identity Card, for instance, a small amount of insurance is included with it.
2. Extended Backpacking Trip
If you are going on a year-long backpacking trip, or even longer, then you should definitely get some form of travel insurance. At the very least you need travel protection plans that are geared towards helping those that need to interrupt their trips or that acquire trip cancellation costs. Some plans are as good for as long as 18 months of traveling.
3. Teaching Abroad
If you are teaching abroad, then your country of residence should have some sort of insurance policy for you as part of the benefits package. However, sometimes people find under the table work in foreign countries, and while this isn’t advocated, you should still insure that you are covered as far as insurance goes.
If you are going to be abroad for a year, then at the least you will need international medical insurance.
4. Family Medical Emergency
If you have family in another country and someone gets ill, then you might need a one way ticket to go over and see them. The good news is that almost every travel insurance policy will cover you, whether you are flying roundtrip or not. You are essentially covered for a specified period of time, rather than a specified departure and return date.
5. Job Hunting
If you’re going overseas to look for a job, then you still need to make sure that you are covered while you are looking. If you plan on going more than once then you might be interested in an annual travel insurance plan which is good for a year and sometimes covers trips up to 90 days.
You can usually get instant online quotes which can give you an idea of how much you’re looking at in terms of your travel insurance. Keep in mind, however, that pre-existing conditions are often not covered. That means that if you have diabetes and you get overseas and suffer from a diabetic related problem, your policy might not work.
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