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Bupa Travel Insurance Review

How does Bupa Travel Insurance compare?

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William Eve
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Important:

Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for border closures
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
    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 travel insurance is not currently available via finder. You can visit their website at www.bupaglobal.com for more information or compare alternative options available below.

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    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    What travel insurance policies does Bupa offer?

    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.

    How do Bupa's policies compare?

    Australia PlanEconomy PlanStandard PlanSuper PlanSuper Plus Plan
    Overseas Medical
    • No
    • Singles: $100,000
    • Doubles: $250,000
    • Singles: $300,000
    • Doubles: $600,000
    • Unlimited
    • Unlimited
    Overseas Dental
    • No
    • 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
    • Unlimited
    • Unlimited
    • Unlimited
    • Unlimited
    • Unlimited
    Resumption of overseas travel
    • No
    • 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
    • $1,000,000
    • $1,000,000
    • $2,000,000
    • $2,500,000
    • $2,500,000
    Hire car excess waiver
    • $2,000
    • $2,000
    • $2,000
    • $2,000
    • $3,000

    What is excluded from my travel insurance policy?

    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

    What other options are available?

    • 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.

    What kinds of situations will I be covered for?

    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.

    Some reasons to consider Bupa

    • 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.

    I need to make a claim...what do I do?

    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

    Frequently asked questions

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    4 Responses

      Default Gravatar
      JOHNMarch 6, 2018

      I have benign irregular heart beat. cardiologist letter says fit for travel.
      Which cover can I buy that covers this? John

      Reply
        Avatarfinder Customer Care
        MayMarch 7, 2018Staff

        Hi John,

        Thanks for your inquiry.

        There are brands 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 “Get quote” button. It is also best to contact your chosen insurer if you want to discuss more the level of cover.

        Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

        Hope this helps.

        Cheers,
        May

        Reply
      Default Gravatar
      michelleNovember 23, 2015

      hi,

      Do you cover missed flights due to illness?
      and providing you a medical certificate for proof?

      thanks

      Reply
        Avatarfinder Customer Care
        RichardNovember 23, 2015Staff

        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

        Reply
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