Bupa Travel Insurance Review
How does Bupa Travel Insurance compare?
Bupa’s aim is to help its members live longer, healthier and happier lives. As a company that's primarily focused on health insurance, it's familiar with the bumps and pitfalls we can face - which can often be magnified while travelling, both at home and overseas. Travel insurance can help you make the most of your trip and get help if things go wrong. Offering a range of insurance options and benefits for its members, see if Bupa Travel Insurance could offer the cover you need for your next adventure.
Bupa understands that different people have different needs, hence the need for different types of cover. You can choose from the following travel insurance policies:
- Australia Plan – Travelling around Australia is a great thrill, but it’s not without its dangers. The Australia Plan offers unlimited cover for cancellation and reschedule travel, cover for additional expenses due to travel delays as well as alternative transport to a special event, and luggage and travel documents.
- Economy Plan – Travel is not without its costs, but that doesn’t mean you need to break the bank for insurance. An Economy Plan provides the minimum level of insurance if you are travelling to New Zealand, Norfolk Island or the South Pacific iIslands, covering overseas medical expenses and evacuation, accidental death and disability, and luggage and travel documents.
- Standard Plan – Want to keep insurance simple? The Standard Plan offers higher cover than the Economy Plan and provides the minimum level of cover required if you are travelling to Asia, including Bali.
- Super Plan – If you’re travelling to the UK, Europe, South America, Russia, India, Africa or the Middle East, Super Plan provides unlimited overseas medical expenses and evacuation, as well as additional cover for cancellations, amendments, luggage and travel documents.
- Super Plus Plan – The highest level of protection available at Bupa, the Super Plus is required if you're travelling to or via the USA, Canada or Japan. It provides all the same benefits of the Super Plan with additional cover for luggage and travel documents, and rental car insurance excess.
- Select Your Cover – Bupa offers each policy as single, couple of family cover, with cover increasing to make sure your travel companions are protected too.
| Australia Plan | Economy Plan | Standard Plan | Super Plan | Super Plus Plan |
|---|
| Overseas Medical | | - Singles: $100,000
- Doubles: $250,000
| - Singles: $300,000
- Doubles: $600,000
| | |
| Overseas Dental | | - Singles: $1,000
- Doubles: $2,000
| - Singles: $1,000
- Doubles: $2,000
| - Singles: $1,000
- Doubles: $2,000
| - Singles: $1,000
- Doubles: $2,000
|
| Cancelled or rescheduled travel | | | | | |
| Resumption of overseas travel | | - Singles: $1,500
- Doubles: $3,000
| - Singles: $1,500
- Doubles: $3,000
| - Singles: $3,000
- Doubles: $6,000
| - Singles: $3,000
- Doubles: $6,000
|
| Luggage and travel documents | - Singles: $2,500
- Doubles: $5,000
| - Singles: $3,500
- Doubles: $7,000
| - Singles: $5,000
- Doubles: $10,000
| - Singles: $10,000
- Doubles: $20,000
| - Singles: $12,000
- Doubles: $24,000
|
| Accidental death and disability | - Singles: $10,000
- Doubles: $20,000
| - Singles: $10,000
- Doubles: $20,000
| - Singles: $15,000
- Doubles: $30,000
| - Singles: $25,000
- Doubles: $50,000
| - Singles: $25,000
- Doubles: $50,000
|
| Liability | | | | | |
| Hire car excess waiver | | | | | |
General exclusions include:
- Travelling when you know you are unfit or against medical advice
- Failing to maintain a course of treatment while travelling
- Death, illness or injury from an existing condition (unless covered by your policy)
- Birth of a child or any pregnancy-related condition
- Treatment at a spa, nursing home or any rehabilitation centre unless agreed by QBE
- Excess medical charges
- Any consequential loss or loss of enjoyment
- A loss caused by or in connection with a criminal or dishonest act
- Any loss caused by government intervention or regulation
- Failure to take precautions after a public warning of strike, riot, civil commotion or natural disaster
- Operating a rental vehicle in an illegal or dangerous manner
- Credit card conversion fees and other bank charges
- Cancellation Cover Plan – If you are travelling in either Australia or New Zealand, a Cancellation Cover Plan will protect you against any sudden cancellation of transport or special event. Cover is available in Single travel policies only.
Getting travel insurance from Bupa is beneficial as it provides different types of cover for different situations. Here are some of the benefits that Bupa Travel Insurance provides in the following cases:
- My flight was cancelled - am I covered? If your journey is cancelled, delayed, rescheduled or interrupted, Bupa Travel Insurance will cover amounts that you have paid in advance for travel that is unused and you are unable to recover.
- What happens if my bags are stolen? If your luggage or travel documents are lost, damaged or stolen, your policy will pay you a limited amount depending upon the insurance cover that you have opted for.
- If I get sick overseas, are my medical expenses covered? In case you become ill, injured or need medical or dental treatment, your travel insurance policy will cover you up to the amount stated on your policy.
- Does Bupa provide a death benefit? If you die or become permanently disabled as a result of an accident caused by violent, visible and external means, Bupa Travel Insurance will pay your estate up to the maximum amount under your plan.
Always refer to the Product Disclosure Statement before you sign up for a policy.
- Comprehensive cover. Bupa is committed to offering high-quality cover with a wide range of options to meet all your travel needs. So wherever your holiday takes you, you can relax knowing that you're covered.
- 24/7 assistance. If the unexpected happens while you’re travelling overseas, emergency help is available 24 hours a day. If you have any difficulties while you are travelling, do not hesitate to contact the Emergency Assistance Hotline and you will be able to speak with one of their multilingual and highly trained staff, who are trained to handle a range of issues.
- Discounts for existing members. Bupa health insurance members can receive up to a 15% discount on their travel insurance premiums.
If you wish to make a claim you must phone Bupa within 30 days of completing or cancelling your journey.
Phone: 13 24 80
If you have an emergency while travelling, you can contact Bupa’s Emergency Assistance Hotline.
Within Australia: (02) 8895 0694
While Overseas: +61 2 8895 0694
I have benign irregular heart beat. cardiologist letter says fit for travel.
Which cover can I buy that covers this? John
Hi John,
Thanks for your inquiry.
There are brands on this page you can compare that offer travel insurance to people with heart conditions. You can compare the costs and get more details about the cover by clicking on the green “Get quote” button. It is also best to contact your chosen if you want to discuss more about the level of cover.
Hope this helps.
Cheers,
May
hi,
Do you cover missed flights due to illness?
and providing you a medical certificate for proof?
thanks
Hi Michelle,
Thanks for your question. finder.com.au is a comparison service and not an insurer. Bupa Travel Insurance do provide cover for cancellation and yes you will need to be able to provide them with substantiating evidence that a claimable event did happen.
I hope this was helpful,
Richard