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Bupa Travel Insurance Review

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Updated: Aug 8, 2023, 1:29pm

Bupa is a well-known name in the Australian insurance scene, and its travel insurance option is no different. With no age limit on policies and unlimited medical cover (including dental), Bupa comprehensive travel insurance is a responsible choice for all types of trips and travellers. Bupa offers three kinds of coverage: comprehensive, essentials and domestic. This review focuses on the comprehensive policy.

• Unlimited medical, hospital and dental cover
• No maximum age limit
• All pre-existing conditions need to be assessed to determine if they will be covered
• Reviews state lengthy waits for claim payments

Table of Contents

About bupa travel insurance, what is covered, who should take out this insurance.

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Bupa Travel Insurance is underwritten by Allianz Australia Insurance Ltd, and the policy is very similar to the Allianz Comprehensive Travel Insurance offering. The travel insurance policy offered to Australians by Bupa is via Bupa Asia Pacific, a part of the global Bupa Group.

Along with travel insurance, Bupa also offers Australians health insurance, car insurance, home insurance, pet insurance, landlord insurance, valuables insurance, among others.

In relation to its Bupa travel insurance policy, which is analysed in detail below, customers have rated the policy 3.9 stars out of 5 from 138 reviews via Australia’s independent consumer opinion site, ProductReview.

Bupa offers its comprehensive travel insurance policy to all Australians, with no age limits in place for travellers wishing to take out their comprehensive option, although pre-existing medical conditions require assessment before being covered. The lack of an age limit is particularly helpful to senior travellers as well as families, especially considering that dependent children are included in the policy up to the age of 25–provided they are not in full time employment and will be travelling with you 100% of the time.

In terms of financial cover, Bupa covers credit card fraud up to $5,000, while personal liability is covered up to $5 million.

Delays and missed connections are an inevitable risk of travel, which is why Bupa’s travel delay cover includes coverage for missed connections: for delays of more than six hours there is $250 per person allocation and a further $250 for each additional 24-hour period after the initial six hours. The delay cover, however, is limited at $2,000 total for all travellers on the policy, and maximum per person of $500 after the initial six-hour delay.

When taking out your Bupa Travel Insurance policy, travellers can also opt for cancellation cover, with the amount chosen by the customer.

Lost luggage

Bupa’s comprehensive travel insurance policy includes lost luggage cover up to $10,000, however, sub limits apply for certain items. Policyholders do have the option to increase item limits for high value items if required. Check the pds for further details.

The last thing you want to think about on a trip is having to access medical services, but it’s important for Australians heading overseas to ensure this is included on a travel insurance policy for peace of mind.

Bupa covers overseas medical and hospital expenses, so you will not be out of pocket if you need to access medical care while abroad. If you have a pre-existing condition, however, you will need to be assessed by Bupa prior to your trip to determine if they can be covered with the policy.

Is dental cover included in medical?

Yes, Bupa does include dental within its unlimited medical and hospital expenses cover. A lot of insurance providers don’t choose to include dental within medical cover, so it is a benefit of Bupa’s policy.

Does it Cover Me for Covid?

Yes, Bupa’s travel insurance includes covid cover under its medical expenses. In terms of cancellations, these are only covered due to Covid-19 if the trip cancellation is due to a government-enforced border closure or if the policyholder has to complete quarantine due to Covid.

What about Pregnancy?

If you’re pregnant while travelling, you’re going to want to ensure your travel insurance policy covers pregnancy. With Bupa, you are covered until week 24 of your pregnancy, provided that you do not have complications with the pregnancy or a history of complications.

This cover is included under the unlimited medical expenses, however, childbirth is not covered.

What about Sports and Activities?

When taking out Bupa’s travel insurance, there are 38 activities automatically included in your plan. These include golfing, river cruising, gymnastics and more. Certain conditions apply to these automatic inclusions, such as safety provisions and terrain restrictions (or claims made would be void).

In addition to the 38 included activities, policyholders can also add on activity packs to suit their trip type for an additional cost.

These are packs that cover activities designated for ‘adventure’, such as for cave tubing and rock climbing, ‘cruise’ for those going on a multi-day cruising holiday, and a ‘snow’ pack to cover certain winter sports.

Similar to the automatically included activities, certain restrictions apply to the purchase of the additional packs. Failing to meet these requirements could result in your claims being void, which is why it is essential to read your policy’s product disclosure statement.

Customer service

Bupa offers its customers 24/7 emergency assistance with Australian based doctors and nurses, so you can receive trusted medical guidance at any time while on your holiday.

For non-medical enquiries, Bupa has a separate contact telephone number and a call back option for those calling out of hours. Further, Bupa also has a WhatsApp channel which customers can use to get in touch with the Bupa customer service team while travelling.

Bupa has made the process of making claims easier for its customers, by allowing claims to be made online via the myBupa app (available on both iOS and Android, and via web browser).

Thanks to the well-known name and the non-existent age limit when taking out a policy, Bupa’s travel insurance is well suited to a wide variety of Australian families going on holidays together. This is especially true as children up to 25 years of age are included on the policy at no extra charge, pending the meeting of certain conditions. In any case, before you take out this insurance, Forbes Advisor recommends you read the product disclosure statement carefully so you can understand the various sub-limits and exclusions.

Frequently Asked Questions (FAQs)

Is there a discount for bupa travel insurance.

While there is no automatic discount for Bupa travel insurance, pre-existing customers of Bupa (such as those with an active health insurance policy) can get 15% off their premiums.

Does Bupa Travel Insurance cover COVID?

Yes, Bupa Travel Insurance covers COVID-19 as a medical condition under its unlimited medical and hospital cover. It also covers trip cancellations caused by Covid, on the basis that there are government enforced border closures or the traveller is required to quarantine.

How do I make a claim with Bupa Travel Insurance?

Claims can be made via the myBupa app on your mobile or webpage. You can also call the 24/7 Australian-based customer service team to submit a claim over the phone on 1300 992 694.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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Home > Travel Insurance > Bupa Travel Insurance Review

Bupa Travel Insurance Review

Learn more about Bupa’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Fact checked

One of the world’s leading providers of insurance, Bupa offers its almost 40 million global customers protection for their health, home, and travel arrangements. In Australia, the company has about 4.7 million customers and is underwritten by CGU Insurance.

Savvy can help you compare Bupa's plans with those of other insurers in the market so you can find the best travel insurance for your next trip. You'll be able to compare everything from benefit caps to deductibles to coverage details.

Find out more about their services here before getting a quote with us today.

*Please note that Savvy does not represent Bupa for its travel insurance products.

More about Bupa travel insurance

What travel insurance policies does bupa offer.

Bupa offers four travel insurance policies, which include:

• Overseas Comprehensive: this comprehensive travel insurance policy covers you for overseas medical expenses, urgent dental work, loss of luggage and personal liability. You’re also insured against unexpectedly needing to cancel your global holiday, as long as your reason for doing so is among those covered.
• Overseas Essentials: this streamlined policy provides you with coverage for the basics including overseas dental and hospital treatment, personal liability, cancellation, and personal liability. The key difference with this policy compared to the comprehensive option is the claim limits are considerably lower.
• Domestic: Bupa offers a domestic travel insurance policy which provides you with cover for your luggage and personal items, trip delays or unexpected delays and personal liability. You may also be covered for the excess on a rental car. This domestic travel insurance is also open to seniors.
• Annual Multi-Trip Insurance: this multi-trip policy is tailored to those taking several holidays across the year. Bupa allows you to take an unlimited number of journeys over 12 months, but they individually can’t exceed 45 days. The benefits are the same as the comprehensive or domestic travel insurance policies.

However, no matter if you’re taking a holiday to the UK or just touring Australia, it’s a good idea to compare with Savvy so you can find the best travel insurance for your holiday.

What optional extras are available through Bupa?

Bupa, like many other travel insurance companies, provides optional extras for both international and domestic getaways. These include:

• Skiing and snowboarding: taking a European holiday to carve up the slopes? Bupa requires you to take out extra coverage for an additional premium so you’re covered for a range of winter sports , including skiing, snowboarding, tobogganing or tubing. This add-on covers you for emergency assistance, damage to your equipment and costs of hiring equipment.
• Adventure: deep sea fishing, caving, quad bike riding, outdoor rock climbing and motorcycles/mopeds are all covered under this extra coverage, which is available to anyone under the age of 75.
• Cruises: if you’re booked to take an international or domestic cruise, you’ll need to purchase additional coverage if you’re going with Bupa. This cover protects you from medical costs onboard the ship, ship-to-shore evacuation, cabin confinement and cancellations.
• Valuables: this optional extra allows you to increase the cover limit or expensive items you’re going to take on holiday with you. These can include cameras, camera equipment, jewellery, camping equipment or sunglasses.

What exclusions should I be aware of when buying travel insurance through Bupa?

It’s important to remember that even the most comprehensive policy draws a line at coverage in some unforeseen circumstances. As such, Bupa has a range of exclusions, including:

• Flying on a privately-chartered plane
• Taking part in a competitive sport
• Treatment for an unapproved pre-existing medical condition
• Elective surgeries
• Accidents caused by intentionally putting yourself at risk
• Knowingly travelling to a dangerous location
• Any incident that occurs while you’re driving solo
• Travelling against medical advice

If you’ve found a policy that catches your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of Bupa travel insurance

What we like, flexible cancellation limits.

As is the case with some big-name insurers, you’re able to set your own cancellation limit on your travel insurance policy.

Discounts for health insurance members

By entering your Bupa membership number when you purchase a travel insurance policy, you can receive a 15% discount.

24/7 support

You can rest easy knowing that Bupa is available around the clock, seven days a week, should you ever find yourself in a bind when travelling abroad.

What we don't like

Pay extra for cruise cover.

Whether you’re cruising in Australian waters or setting sail around the UK, you will need to pay extra for cruise cover. Many big-name insurers offer this coverage automatically.

Modest travel delay coverage

Bupa offers a coverage limit of about $2,000 if your mode of transport is delayed. However, these limits are lower than some of their competitors.

Tough pre-existing condition requirements

Bupa's travel insurance plans automatically cover specific forms of diabetes and asthma. Still, if you have a more serious illness, like a heart problem, you need to see a doctor and get a medical assessment to be covered.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about Bupa travel insurance

Yes – depending on the policy you choose, Bupa may allow you to get a full or partial refund if your travel plans are derailed because of a positive COVID-19 diagnosis , resulting in having to quarantine or accruing overseas medical expenses. In some cases, you may be covered if your travel plans are impacted by government-enforced border closures.

If something goes wrong while you’re on holiday, you can make a claim 24/7 through Bupa’s website. This involves completing an online claim form and providing ample detail about the incident and evidence through medical or police reports and receipts. Once you’ve filed your claim, Bupa’s website states it can take up to ten days for claims to be processed. They also advise that you must submit a claim within 30 days of the incident you’re claiming.

The cost of travel insurance premiums vary from one person to the next based on several factors, including:

• Your date of birth
• Your chosen destination
• The level of coverage you buy
• Any optional extras you need
• Pre-existing medical conditions you need to disclose
• The policy excess you choose
• The type of insurer and insurance policy you buy

You may take many trips within a year with yearly multi-trip travel insurance (often up to 60 travel days per trip), but you can only take one trip out and back with a single-trip policy. A one-way travel insurance coverage covers you for the duration of your trip, up to a year, but only if you are taking a single flight without a return date set in stone. Coverage may often be extended for another year.

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Table of Contents

Travel insurance basics

Best visitors insurance policies, for the lowest price: trawick international, for customizing options: worldtrips, for pre-existing conditions: worldtrips, for highest medical coverage limit: img, other options to consider, the bottom line.

Since health care can be expensive in the U.S., it’s important that visitors have insurance coverage, aka visitors insurance or travel medical insurance, in case something happens that requires medical attention mid-trip.

Whether you have coverage for travel in the U.S. depends on your health care plan in your home country. But if you don't, you'll need to buy a policy from a third-party insurance provider. Several companies sell this kind of visitor insurance, and each company and policy is a bit different. Let’s look at which is best for you.

First, a few basics about visitor insurance. Two kinds are available: travel medical insurance and trip insurance.

Travel medical insurance covers medical expenses that you may incur while traveling internationally, like a visit to the doctor, a trip to the hospital and medical evacuation and repatriation.

Trip insurance usually covers limited medical expenses like emergency care and can compensate you if your trip is delayed, you need to leave the trip early or you have to cancel the trip. It is designed to help you protect the investment you’re making as you prepare to travel.

Standard trip insurance might not cover a visit to the doctor unless it is an emergency.

It’s important to make sure any pre-existing conditions are covered if the visitor has any. Some policies exclude them.

» Learn more: How to find the best travel insurance

With so many kinds of visitors insurance policies, which is the best?

To make comparisons, we got quotes from several companies using Squaremouth , a website to search for different types of travel insurance in one place.

The parameters we set are for a 49-year-old citizen and resident of Spain traveling to the U.S. on May 1-31, 2024.

The quotes don't include cancellation coverage; these examples are for medical coverage only. To get a quote, the hypothetical deposit for the trip was paid on Feb. 15.

Since we’re looking for a policy that will cover medical care for visitors, there are several medical filters to select: emergency medical ($100,000 or more), medical evacuation ($100,000 or more) and coverage for pre-existing medical conditions.

The search came up with nine results ranging in price from $74.40 to $179.18.

The policy with the lowest cost was the Trawick International 's Safe Travels USA Cost Saver at $74.40.

Trawick policies use the FirstHealth PPO network.

The policy as quoted has a $250 deductible and includes $100,000 in emergency medical, $2 million in medical evacuation and $5,000 in interruption coverage. It has limited coverage for pre-existing conditions.

It is possible to change the deductible to as little as $0 or raise it to $5,000.

The same company has another policy, the Trawick International Safe Travels USA Comprehensive policy, that is better at covering pre-existing conditions and costs a little more — $89.59.

The general coverage is the same as the less expensive policy, and the Safe Travels USA Comprehensive option adds coverage for acute onset of a pre-existing condition. it is possible to change the deductible amount to $0 or go up to $5,000.

» Learn more: The best travel credit cards right now

Some policies are sold as is, while others allow some flexibility depending on what is important to you.

The WorldTrips Atlas Premium America policy for $179.18 allows a lot of customization.

It was also the most expensive of the nine policies Squaremouth suggested.

It’s possible to customize the emergency medical coverage and pre-existing condition coverage and medical deductible. The policy also includes $15,000 in trip interruption coverage, the highest of any of the nine policies available.

If the traveler has a pre-existing condition, policies from WorldTrips Atlas America are your best bet. The WorldTrips Atlas America policy in our comparison costs $101.06.

The policy as quoted covers $100,000 in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence of a pre-existing condition.

The deductible is also available for customization from $0 to $5,000.

The PPO network for Atlas America Insurance is United Healthcare.

The WorldTrips Atlas Premium America policy mentioned above is also good for pre-existing condition coverage.

While eight of the nine policies had $100,000 in secondary medical coverage, one had a limit of $2 million.

The IMG Patriot America Platinum policy has a premium of $172.36 along with a high medical evacuation limit of $2 million and interruption coverage of $10,000.

If $2 million in medical coverage is not enough, it’s possible to increase that amount to an $8 million policy limit.

It’s not possible to change the level of coverage for preexisting conditions from the high $1 million limit in emergency medical care and $25,000 in medical evacuation for an unexpected recurrence.

It is possible to change the deductible from $0 all the way up to $25,000.

Our comparison also included policies from two additional companies, Seven Corners and Global Underwriters .

Seven Corners had two policies come up in the results, the Seven Corners Travel Medical Basic for $98.27 and the Seven Corners Travel Medical Choice policy for $136.71. Both of the Seven Corners policies include coverage for hurricane and weather, and the less expensive policy covers acts of terrorism.

Having insurance to cover unexpected medical expenses for anyone visiting the U.S. can be a smart money move.

An illness or accident could cause financial problems for visitors because of potentially having to pay for full health care costs. When planning your travel, be sure to check your current health insurance to find out if it will cover you in the U.S.

For a monthlong stay in the U.S., the lowest-priced visitors insurance policy was around $75 (Trawick International Safe Travels USA Cost Saver) and the highest was about $180 (WorldTrips Atlas Premium America). That’s about $2.42 or $5.81 a day, depending on the policy.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Trip Cancellation

Coverage for financial loss incurred due to cancellation of trip before its onset

Emergency in-patient Medical treatment

Covered up to sum snsured

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Separate plans for Asia Pacific region, Europe, USA & Canada and worldwide

Hospital daily cash allowance

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What is Travel Insurance?

Travel insurance is a type of insurance that is custom-made for people going on domestic and international travels. It addresses the various risks that one may face during travels, including hospitalisation, medical expenses, loss of luggage or documents, cancellation or disruption of flights, and various other costs. Travel insurance covers you from the date of departure till your arrival back at the place of origin. For frequent fliers, a travel plan that remains effective for a certain period is more suitable as it covers multiple travels during the policy period.

How to Buy Travel Insurance Plan?

You can buy a travel insurance policy online or by visiting the insurer’s office. While applying online, you need to fill in the basic details like dates of travel, traveler details, coverage required, etc. Then you receive the quote, based on which you can select the travel insurance policy that suits your requirement. There are different types of travel plans customized for different travel needs. These include corporate, single, family, senior citizen, or student travel plans. You can purchase a travel plan that suits you the best. You can also buy travel insurance plans from insurance brokers and agents. However, ensure that they are licensed by the Insurance Regulatory and Development Authority of India. It is worth noting that you may be eligible for discounts if you buy a travel insurance plan online directly from the insurer.

When to Buy Travel Insurance?

If you plan to embark on multiple trips, you should buy a travel plan in advance to cover all the upcoming trips. Even in the case of a single trip, buying a travel plan in advance is advisable. Typically, it could be on the date of booking the tickets or a few days after that. You can also buy travel plans at the last minute. But you may miss out on crucial coverages. For instance, travel insurance offers cancellation coverage. But you will miss out on the same if the cancellation happens before the policy start date. In other words, buy your travel insurance well in advance to avail all benefits.

Why Buy Travel Insurance Policy?

Some of the common reasons that make a travel insurance important are:

• People are more prone to medical problems in a foreign land, be it within India or overseas, due to changes in food habits and environmental reasons.
• Travel insurance helps tackle such circumstances with ease.It protects in case of baggage losses at airports and theft or travel scams in many tourist destinations.
• Travel insurance protects the policyholder in the event of flight delay or cancellation. It protects you in the event of natural calamities, man-made disasters, flight hijacking, etc. Student travelers can also opt for study interruption coverage in their travel plans.
• Travel insurance may cover fatalities and repatriation of mortal remains.
• Travel insurance is a mandatory requirement in more than 30 countries. It is a prerequisite for visa processing while travelling to these countries.

Who Should Buy a Travel Insurance Plan?

While it is mandatory to have travel insurance before visiting certain countries, people travelling to any country, in general, should buy a travel insurance plan. Along with, it is advisable for the following travelers to buy a travel insurance plan: Individual travelers and families Senior citizens - because of their higher medical susceptibility Corporate travelers can cover their travel risks while travelling on behalf of their organization Students can buy student-specific travel plans with longer validity People travelling in groups can insist on the purchase of travel insurance by their tour organizer Domestic travelers can buy travel plans designed to cover travel risks within the country

Advantages/Benefits of Niva Bupa's Travel Insurance Policy

Some of the reasons why you should choose Niva Bupa's Travel Insurance Policy are:

• Coverage: Extensive coverage including in-patient hospitalisation, OPD treatment, trip cancellation, loss or delay of luggage, medical evacuation, loss of passport, missing a connecting flight, etc.
• Pre-existing Diseases: Up to 100% coverage of pre-existing diseases under the emergency in-patient medical cover for students traveling abroad for education on a student visa.
• Medical Check: No requirement for pre-policy medical check-ups.
• Claims: You can enjoy a hassle-free claim process.
• COVID-19: Coverage for hospitalisation due to COVID-19 provided up to the sum assured.
• Sum Assured: Total coverage of up to USD 250,000

Get the most value from TravelAssure

Extension of the Policy Period for a Single Trip Policy

In order to extend the policy, policyholders can apply for an extension by contacting Niva Bupa’s customer care center or online by paying their premium and submitting all the required documents. This must be done before the policy expires. Once our team has verified the information, they will grant permission for an extension. Customers can also extend the geographical coverage of their policy by paying an extra premium.

Contact Details for extending coverage

Niva Bupa Health Insurance Contact No: 1860-500-8888; Fax No.: 011-30902010 Customer Service Portal - Insta Assist (https://rules.nivabupa.com/customer-service/)

Types of Travel Insurance Plans in India

There are various types of travel insurance plans offered by insurers in India:

• Basic Travel Policy: These plans cover basic travel risks that most insurers provide. The premium amount is comparatively low due to the limited coverage.
• Comprehensive Travel Policy: Comprehensive plans offer a host of optional covers, like medical expenses or repatriation of mortal remains, many insurers may not provide. etc. Notably, Niva Bupa Travel Insurance offers over 40 travel-related covers, including the ones mentioned above.
• Single Trip: One-time travelers can buy this policy before or after booking their tickets. This policy remains applicable for the duration of that trip.
• Multi-trip: If the policy buyer has several trips planned for the year, they can opt for a multi-trip policy that offers coverage for a specific period instead of the trip duration. Frequent fliers opt for this plan to avoid buying plans repeatedly.
• Student: Students can buy a travel plan that offers coverage for the study duration. Covers like sponsor protection and study interruption can be opted for to make the plan more student-friendly.
• Policy buyers can opt for a single, family, group, or any other plan as per their requirements.

Eligibility Criteria for Travel Insurance

The various eligibility criteria for Niva Bupa Health Insurance's TravelAssure plan include:

• Adults should be between the age of 18 and 70
• Dependent children can be up to the age of 25
• Travelers must possess and furnish mandatory documents like copies of passport, visa, income proof, and other relevant papers

Considerations Before Buying Travel Insurance Policy

Some of the factors that you need to consider before buying a travel insurance policy are:

• Duration: If you are planning to travel again, it is advisable to opt for a long duration multi-trip travel insurance plan. If your single trip is for a longer duration, the premium will be higher, so plan your trip accordingly.
• Nature of the Trip: Choose the plan as per the nature of your trip. Someone planning to do sky diving would have different optional covers compared to someone travelling to attend business meetings.
• Sum Assured: Estimate your travel risk and finalize your sum assured accordingly. The higher the sum assured, the higher will be the premium.
• Optional Covers: Go through the list of covers available and select judiciously. Selecting unnecessary covers will only escalate the premium.
• Exclusions: There may be specified circumstances or conditions where the travel insurance is not applicable. Always familiarize yourself with the exclusions before buying the travel plan.

COVID-19 Coverage

Due to the global scale of the COVID-19 pandemic, most leading insurance companies offer COVID-19 specific coverages in their travel plans. Niva Bupa TravelAssure provides COVID-19 hospitalisation coverage up to the sum assured. Accordingly, if you are infected or test positive for COVID-19 during your overseas stay, the travel insurance plan will bear the cost of your treatment and hospitalisation. In almost all countries, a COVID-19 infection leads to the applicability of strict isolation rules and gets addressed as per their SOP when detected. Therefore, adequate COVID-19 coverage can be handy in times of need.

Frequently Asked Questions

Does travelassure plan provide coverage against covid 19, is there any tax benfit that one can avail while purchasing travel insurance, is a medical check-up necessary before buying this policy, is it mandatory to buy travel insurance for visa, how to extend international travel insurance policy, can you buy travel insurance after booking your trip, can i buy insurance if i am going on a work permit abroad, can i file a claim after getting back to india, what are the age criteria for which you issue a travel insurance policy online in india, how to file for a claim for international travel insurance, how to claim travel insurance, when, where, and how to choose travel insurance plan, how to calculate travel insurance premium, how to compare travel insurance premium, countries where travel insurance is necessary/mandatory.

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IHI-Bupa Travel Insurance

Introduction.

Cooper Claridge-Ware is able to provide high quality international travel insurance coverage from leading insurance company IHI-Bupa in the form of the company’s Worldwide Travel Options plan. 

IHI-Bupa Travel Insurance Protection

This travel insurance policy is designed specifically for the modern traveller, and is able to provide high levels of flexibility and ease-of-use. Including a bespoke mobile application in the form of the MyCard App directly from the Insurance Company, and offering a 24/7/365 claims hotline, policyholders with an IHI-Bupa Worldwide Travel Options policy are assured of receiving the assistance they need, when they need it.

With worldwide coverage, extensive medical and health insurance protection, and the option to add a range of non-medical umbrella coverage benefits, the high quality travel insurance plan from IHI-Bupa is one of the best short term trip insurance plans currently available on the international market.

Comprehensive Medical Protection

The Worldwide Travel Options plan starts with comprehensive medical insurance at the core of the policy’s coverage offering. You are able to purchase the basic medical coverage as either a standalone policy, or add one of the other non-medical protection modules to this portion of the plan.

Unlimited Medical Protection – No Limits on the coverage you receive

Inpatient treatment coverage, outpatient treatment coverage, emergency evacuation and repatriation protection, mugging and assault medical insurance, repatriation of mortal remains in the event of death, no deductibles or excesses, non-medical coverage option.

When you purchase your short term health insurance protection with the Worldwide Travel Options plan you will also be given the ability to add a range of umbrella coverage benefits to the plan through the optional Non-Medical Coverage selection. In order to obtain the Non-Medical coverage available through this plan policyholder’s must first have purchased the Basic Cover for health insurance.

Personal Accident Insurance – coverage for death or disability

Loss of baggage insurance, baggage delay cover, passport and cash theft insurance, personal liability insurance, travel delay protection, missed flight connection protection, security and legal assistance coverage, trip cancellation protection.

The final option available under the Worldwide Travel Options policy from IHI-Bupa is in the form of a Trip Cancellation coverage benefit.

Available in addition to the Basic Coverage Medical Protection, the Trip Cancellation option will cover you against the cost of a cancelled journey (providing reimbursement for non-refundable deposits and the like) in the event that you are unable to travel due to acute illness, injury, or death.

In order to obtain the Trip Cancellation option you must first purchase the Basic Cover option. However, you are able to receive coverage for the Trip Cancellation benefit without purchasing the Worldwide Travel Options Non-Medical Coverage option.

Further reading

IHI-Bupa Worldwide Travel Option plans will have their premiums calculated based on two main factors. These are:

• The Age of the Policyholder
• The total duration of the intended trip

Free Quotes and More Travel Insurance Help

If you would like additional assistance in finding the correct travel insurance policy for your needs, please Contact Us Today ! Our expert Global Insurance Brokers can help answer all your travel insurance questions and can provide hand crafted quotations if you are unsure about buying your coverage directly through this website.

We have received your enquiry, it may take us 1-2 working days to respond to your enquiry.  In case of urgent assistance please call our office at (+852) 2114 2840 during business hours. 

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What policies are available from bupa, pros and cons of travel insurance from bupa, how do i apply for bupa travel insurance, how do i make a claim with bupa travel insurance.

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Bupa is one of the most trusted names in Australia when it comes to health insurance and now Bupa can take care of you both at home and abroad.

Better still, Bupa members can get 15% off their Bupa Travel Insurance premiums with the Bupa members only travel insurance discount.

Compare the cost of travel insurance using the promo codes below and get a better deal.

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Oops! There aren't any Bupa Travel Insurance Discount Codes available on Finder right now. If you would like find out more about Bupa Travel Insurance check out the Bupa page or see our other travel insurance deals below.

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Protect your next trip with Qantas Travel Insurance

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Earn Velocity Points with Cover-More

Get 8% off your Wise and Silent policy

15% off travel insurance for Medibank Private members

This plan provides the minimum cover for your journey if you’re travelling to the United States, Canada or Japan. You benefit from:

• Unlimited medical expenses overseas
• Dental expenses
• Unlimited cover for cancelled or rescheduled travel
• Resuming overseas travel
• Cover for luggage and travel documents
• Accidental death and disability
• Personal liability
• Rental car excess waiver

This plan provides minimum cover for journeys to the UK, Europe, South America, Russia, Africa, India and the Middle East. You are covered for:

• Unlimited cancelled or rescheduled travel
• Luggage and travel documents

This plan provides minimum cover for travels to Asia, including Bali, and covers the following:

• Medical and dental expenses overseas
• Cancelled or rescheduled travel

This option covers travel to New Zealand, the South Pacific Islands and Norfolk Island. You are covered for:

Suited to local travel, this plan does not provide medical or dental cover. Under the Australian plan, you are covered for:

• Unlimited expenses for cancelled or rescheduled travel
• Minor travel delays
• Underwritten by CGU Insurance Limited
• Five policies available
• Quotes available online or by phone
• 24/7 emergency assistance hotline
• Resume an interrupted trip
• Extend policy if necessary
• Frequent travellers can apply for multi-trip cover
• International insurance available if you work overseas
• Some pre-existing medical conditions excluded
• Temporary visitors and non-residents not eligible for cover
• No cover after the 24th week of pregnancy

Here’s how to apply for one of Bupa’s travel insurance policies.

• Compare policy options. Choose the plan that provides the best cover for your holiday at the best rate.
• Get a quote. You can apply for a quote online or by phone.
• Read the fine print. Different policies offer different levels of cover, so make sure that you understand the product disclosure statement (PDS) before agreeing to purchase a policy.
• Look out for optional extras. If you need additional cover for specific items or equipment, check to see whether extra cover is available to upgrade your policy.

If you have to file a claim from your policy, here’s how to get the process started.

• Get in touch. Contact CGU as soon as possible. The sooner you get in touch the more likely you are to get your claim paid.
• Provide documentation. Depending on the nature of your incident, you will be asked to provide supporting documentation including police and medical reports, statements from transport providers, receipts, proof of ownership, tickets and valuations.
• Cooperate. Be honest when providing information about the incident. A case manager will be assigned to your claim and will keep you updated on its progress. You will be informed about any excess payable when you file the claim.

Here are a few frequently asked questions about Bupa’s travel insurance policies.

When should I buy travel insurance?

The best time to purchase your policy is immediately after you confirm your travel booking. This means you will be insured if you have to cancel your plans.

How is my premium calculated?

Determining factors include the duration of your trip, the policy you choose and whether it’s a single or doubles plan, as well any additional cover options.

Can I use my Medicare card overseas?

No, your Medicare card does not cover you for overseas medical expenses. However, countries part of the Reciprocal Health Care Agreement (RHCA) allow Australians access to that country's healthcare system.

Are pre-existing conditions covered by these policies?

Some pre-existing medical conditions are automatically covered. Otherwise, you’ll have to pay an additional premium to have your condition covered under the policy terms. Travellers aged 70 years and older are not covered for medical or medical-related losses.

Can I cancel my Bupa policy if I’m not happy with it?

You have a 21-day cooling-off period during which you can cancel your policy. You will receive a full refund if you haven’t yet left on your trip or filed a claim.

Who is Bupa underwritten by?

Bupa’s travel insurance is underwritten by CGU Insurance Ltd.

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Jessica Prasida

Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification.

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Travel Insurance

Our goal is to give you peace of mind by offering you, your family and/or your employees coverage at any time or wherever you travel , as well as high quality service, access to adequate treatment and a safe return to your home for you, your family or your employees whenever this is needed.

• WORLDWIDE INDIVIDUAL
• WORLDWIDE CORPORATE

Choose between Annual Travel , which covers all trips of up to one month per trip, or Single Trip , which covers a trip of up to a maximum of 12 months.

With Worldwide Travel Options we offer a solution that lets you personalize your travel insurance policy , giving you flexibility and total peace of mind.

YOU WILL HAVE ACCESS TO:

• 24/7 in-house emergency service
• In-house doctors and nurses
• Guarantee of payment to hospitals
• Assistance in arranging medical evacuations
• Pre-authorization
• Medical advice in-house
• Counselling on treatment
• Medical referrals to most appropiate place of treatment
• Claiming Online
• Free myCard app for iPhone, iPad and Android

SOME UNIQUE ADVANTAGES:

• Worldwide coverage (except in your country of residence)
• Free choice of hospitals and doctors
• No deductible or co-payment on Basic Cover
• Most dangerous sports and occupations covered
• Risk and war zone cover
• Optional coverage for baggage, liability and trip cancellation
• All nationalities covered
• Global risk and security monitor
• Easy to extend online even after start of trip
• 5% online discount here

The premium is based on the total number of travel days per year, which guarantees that you only pay for the days on which insured individuals are actually abroad .

A minimum number of 200 travel days a year for all employees together is required.

Keep in mind that if you need to add more travel days during a coverage period of your insurance, it is easy to buy additional travel days.

• Cover for business and leisure trips
• Cover for business partners, co-travelling family members etc.
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