Bupa Travel Insurance

Important information on terms, conditions and sub-limits

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Things don’t always go to plan on holiday, it can be great to have a travel insurance policy in your back pocket. If Bupa is an option you’re considering, keep reading for some of the most important facts, features and fine print we could find about this travel insurance provider.

About Bupa

Bupa is a healthcare organisation in Australia and New Zealand. Having served roughly 4.7 million customers in Australia alone, they offer home, car, life and travel insurance, as well as medical guidance and health insurance in a range of areas. Part of the international Bupa group, Bupa travel insurance policies are underwritten by CGU Insurance.

Cover information and limits in the table below verified as correct at 19 April 2024. Other information correct at the time of writing.

Bupa travel insurance policies

Bupa offers a variety of travel insurance policies, including three tiers of international travel cover, domestic travel insurance, and basic cancellation-only cover. Bupa’s international policies include tiered Essentials and Comprehensive packages. Bupa also provides ski and winter sports insurance, as well as cruise coverage, which are optional add-ons to an existing policy. 

For an overview of what each level covers, check out the handy comparison table below.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Comprehensive

    • Per person

    • $20,000,000

    • $20,000,000

    • 300

    • Events

    • Choose $2,000 to unlimited

    • $10,000

    • $50,000

    • $50,000

    • $25,000

    • $25,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info

    • Essentials

    • Per person

    • $20,000,000

    • $20,000,000

    • 300

    • Events

    • Choose $2,000 to unlimited

    • $5,000

    • $25,000

    • $25,000

    • $3,000

    • $2,500,000

    • Pre existing conditions

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Does Bupa Travel Insurance have COVID-19 coverage? 

Bupa has extended its coverage to include certain claims related to COVID-19. You can read up on the benefits, sub-limits, and exclusions related to contracting coronavirus in your policy's PDS.

What optional add-ons does Bupa offer on their travel insurance policies?

You have the option to add cover for your ski and winter sports adventure or insurance for a cruise holiday, which is essential if you’re trying to make a claim that relates specifically to these activities. While it will increase your premium, if something goes wrong with on the snow, or your cruise ship leaves without you, you may not be covered unless you’ve taken out the extra cover. 

Be sure to check out Bupa’s PDS before you buy, to see the nitty-gritty of what each of these add-ons covers. 

What pre-existing medical conditions are covered? 

Bupa covers many pre-existing medical conditions automatically. However, in order to be covered, you must inform them about medical conditions you’re aware of prior to purchasing your policy. If you have any conditions that fall outside what’s automatically covered, you can get a medical assessment to seek coverage for those too.  

What do I do if there’s an emergency during my trip?

If there’s an emergency and you are currently overseas, contact Bupa’s 24/7 assistance team on:

If you’re calling from within Australia, contact them on: 

If your emergency is due to unexpected medical problems, Bupa’s team will find you the nearest hospital, and even bring you back to Australia, if need be.

How do I make a claim with Bupa Travel Insurance?

You can lodge a claim 24/7 with Bupa by contacting them or your insurance advisor. Bupa will ask you a range of questions related to your claim, in order to get a broader overview of the situation. They may ask you to provide documents supporting your claim, like receipts if your luggage has been damaged (to prove its value). For medical, dental, or hospital claims, Bupa may request a copy of your medical history. 

It’s always a good idea to have a read of the PDS, where possible, before making your claim. That way you know what kind of supporting documents you might need to provide, hence speeding up the process.

Bupa customer reviews

Read how the Mozo community has rated Bupa travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Bupa travel insurance
8.1

Overall 8.1

7.4

Value for money

9.5

Policy coverage

10.0

Customer service

9.5

Claims handling

8.1

Trust

37 Reviews

Recent Bupa travel insurance customer reviews Recent Bupa travel insurance customer reviews

Bupa logo

Bupa Travel Insurance review

Overall rating   10 / 10

Excellent

Always had great customer service and product is based on my needs and requirements.

Full review

Always had great customer service and product is based on my needs and requirements.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Marieta, Victoria, reviewed over 2 years ago

Bupa logo

Bupa Travel Insurance review

Overall rating   9 / 10

Helpful & Fast

Their company is well organised. They're super helpful and fast with the claims handling

Full review

Their company is well organised. They're super helpful and fast with the claims handling

    Value for money   9 / 10

    Policy coverage   9 / 10

    Customer service   10 / 10

    Claims handling   9 / 10

    Trust   8 / 10

Less

Daniel, New South Wales, reviewed over 5 years ago

Bupa logo

Bupa Travel Insurance review

Overall rating   9 / 10

Helpful & Fast

Their company is well organised. They're super helpful and fast with the claims handling

Full review

Their company is well organised. They're super helpful and fast with the claims handling

    Value for money   9 / 10

    Policy coverage   9 / 10

    Customer service   10 / 10

    Claims handling   9 / 10

    Trust   8 / 10

Less

Daniel, Tasmania, reviewed over 5 years ago

Bupa logo

Bupa Travel Insurance review

Overall rating   10 / 10

Very helpful

Very caring and assuring services. Very handy in my travel concerns and needs.

Full review

Very caring and assuring services. Very handy in my travel concerns and needs.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Anjali, Victoria, reviewed over 6 years ago

Bupa logo

Bupa Travel Insurance review

Overall rating   8 / 10

Reliable service

During my trip to Cambodia, I relied on Bupa for health and travel insurance. I was happy with the service I received, and felt safe during the trip.

Full review

During my trip to Cambodia, I relied on Bupa for health and travel insurance. I was happy with the service I received, and felt safe during the trip.

    Value for money   6 / 10

    Trust   8 / 10

Less

Natalie, Western Australia, reviewed over 8 years ago

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Compare Bupa travel insurance policies with other Travel insurance companies

It’s well worth your time to compare the travel insurance policies out there, but with so many options on the market, it can be a daunting prospect. But never fear! Mozo have developed their travel insurance comparison tool to solve that problem. You give us your travel details - where you’re going, who you’re taking with you and how long you’ll be gone - and we’ll give you a free and easy to understand comparison of the most competitive travel insurance deals to cover your trip.

Don’t forget to check out our travel hub for some great tips to a budget beating holiday, and while you’re there, check out our travel insurance 101 guide for more tips on getting the most out of your travel insurance policy.