FWIW, I just called the HSBC enquiry line listed on the PDS.This is where it is ambiguous and probably needs some advice from insurer.
I would argue having a ticket booked (before you leave Australia) that gets you back to Australia is a return ticket whether it is on the same ticket you are leaving Australia on or a different ticket.
As it’s an included travel insurance, extending your trip should grant cover for any additional time you are away.FWIW, I just called the HSBC enquiry line listed on the PDS.
The operator confirmed that "return overseas travel ticket" does not need to be one booking / ticket that has both outbound and return legs. It can be two separate one way booking / tickets as long as, before you leave Australia, you have a ticket taking you back to Australia.
Just realised I forgot to ask what happens if during the trip you change your return ticket and extend your trip.
Stranger again is the KUL-xMNL-SYD return on PH that the original poster asked about and that Jase05 and many other have done has flipped around. It is now cheaper to book the return trip originating in SYD. The bargain return fares of $1.4k ex KUL are gone. It's now $2.8k ex SYD and $3.4k ex KUL.Oddly, routes on the Japanese carriers ex-JPN to AU are more expensive usually, so for once Aussies get the better deal.
Stranger again is the KUL-xMNL-SYD return on PH that the original poster asked about and that Jase05 and many other have done has flipped around. It is now cheaper to book the return trip originating in SYD. The bargain return fares of $1.4k ex KUL are gone. It's now $2.8k ex SYD and $3.4k ex KUL.
Pele.
The more you talk about something in public, the more likely it is to disappear.
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