Bupa Travel Insurance

Bupa

Things don’t always go to plan on holiday, so make sure you’re backed up by a comprehensive travel insurance policy! 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 Bupa

Bupa is a healthcare organisation in Australia and New Zealand, with 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 number of areas. Part of the international Bupa group, Bupa travel insurance policies are provided by CGU Insurance.

Rates and fees verified as correct at 06 December, 2016. Other information correct at the time of writing.

Bupa travel insurance policies

Bupa offer a range of cover levels on their travel insurance, from Economy and Standard, through to Super or Super Plus. For each different country you might travel to, there is usually a minimum level of cover required - for example, travelling to New Zealand you only need the Economy cover, whereas for a trip to America, where healthcare is much more expensive, you will need to take out the Super Plus cover. For a full rundown of travel insurance options from Bupa, check out our table below:

  • Events

  • Limits shown apply

  • 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 problems

  • 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

    • Economy

    • Per person

    • $100,000

    • $100,000

    • 100

    • Unlimited

    • Events
    • $3,500

    • $10,000

    • $10,000

    • $1,500

    • $6,000

    • $10,000

    • $10,000

    • $500

    • $3,500

    • $3,500

    • $3,500

    • $2,000

    • Unlimited

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Standard

    • Per person

    • $300,000

    • $300,000

    • 100

    • Unlimited

    • Events
    • $5,000

    • $10,000

    • $10,000

    • $1,500

    • $6,000

    • $15,000

    • $15,000

    • $750

    • $5,000

    • $5,000

    • $5,000

    • $2,000

    • Unlimited

    • $2,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Super

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $10,000

    • $10,000

    • $10,000

    • $3,000

    • $6,000

    • $25,000

    • $25,000

    • $1,500

    • $10,000

    • $10,000

    • $10,000

    • $2,000

    • Unlimited

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
    • Super Plus

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $12,000

    • $10,000

    • $10,000

    • $3,000

    • $6,000

    • $25,000

    • $25,000

    • $1,500

    • $12,000

    • $12,000

    • $12,000

    • $3,000

    • Unlimited

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
  • Events

  • Limits shown apply

  • 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 problems

  • 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

    • Economy

    • Per group

    • $250,000

    • $250,000

    • 100

    • Unlimited

    • Events
    • $7,000

    • $20,000

    • $20,000

    • $3,000

    • $12,000

    • $20,000

    • $20,000

    • $500

    • $7,000

    • $7,000

    • $7,000

    • $2,000

    • Unlimited

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Standard

    • Per group

    • $600,000

    • $600,000

    • 100

    • Unlimited

    • Events
    • $10,000

    • $20,000

    • $20,000

    • $3,000

    • $12,000

    • $30,000

    • $30,000

    • $750

    • $10,000

    • $10,000

    • $10,000

    • $2,000

    • Unlimited

    • $2,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Super

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $20,000

    • $20,000

    • $20,000

    • $6,000

    • $12,000

    • $50,000

    • $50,000

    • $1,500

    • $20,000

    • $20,000

    • $20,000

    • $2,000

    • Unlimited

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
    • Super Plus

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $24,000

    • $20,000

    • $20,000

    • $6,000

    • $12,000

    • $50,000

    • $50,000

    • $1,500

    • $24,000

    • $24,000

    • $24,000

    • $3,000

    • Unlimited

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    More info
= Covered = Not covered

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).


What should I know about Bupa travel insurance?

What your policy covers

Each Bupa travel insurance policy will cover the same main benefits, but the level of cover will depend on which plan you choose. For example, the Super Plus plan offers unlimited medical, whereas the Economy plan has a limit of $100,00 on medical expenses. Some of the benefits you can expect to be covered under your Bupa travel insurance policy are:

What pre-existing medical conditions are covered

Bupa cover 25 pre-existing medical conditions automatically, provided they are well controlled and you aren’t awaiting treatment for them.


Some conditions, such as glaucoma or insomnia, carry extra limits and will only be covered as long as there has not been a flare up, and you have not sought medical advice or treatment for them in the last 90 days.
If you’re travelling with a pre-existing medical condition, take a look at Mozo’s guide on how to find travel insurance to suit you.

The age limit

There is no upper age limit to buying Bupa travel insurance policies, but if you are over 70, you’ll have to undergo a medical assessment before applying. This can be done online through Bupa’s online forum.
Age will also affect your premium - unfortunately, the older you are, the more you will pay. Take a look at our guide to seniors travel insurance for more information on securing yourself a competitive deal.

Travelling with dependents

Good news! If you’re travelling with your family, Bupa will cover dependant children at no extra cost under both a single (one adult) and double (two adults) policy. A dependent is any child under 21 who is not employed full time, is financially dependent on you and is travelling with you for the duration of your trip.

Cooling off period

You have a cooling off period of 21 days, so if you decide you don’t want your Bupa travel insurance policy, you can cancel for a full refund of your premium. But you won’t be entitled to a refund if:

A quick guide to the fine print of Bupa travel insurance policies

So what’s the catch? It’s important to always keep one eye on the fine print of your travel insurance policy, because that’s where sneaky exclusions or conditions might trip you up when you go to make a claim. We’ve listed a few of the details we think you should be aware of when considering a Bupa travel insurance policy:

Making a claim with Bupa travel insurance

It’s great to know all the details about what you can make a claim on, but how do you do it?


The first step is to call or email Bupa within 30 days of completing your journey. They’ll set you up with a claims form which you need to fill out in full. Next, make sure you’ve got all the relevant documents to back up your claim, including receipts, medical certificates, police reports, or statements from transport companies concerning delays or loss of luggage. The more detail you can provide, the quicker and easier the claims process will be. Send it all into Bupa and they will contact you with the outcome.

If you’re still not sure, visit our guide to making a claim on your travel insurance.

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

Overall 7.9*

Value for money

Trust

32 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Bupa travel insurance reviews Recent Bupa travel insurance reviews

Bupa

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 (WA), reviewed about 1 year ago

Bupa

Bupa travel insurance review

Overall rating   8 / 10

Honest value for money.

Quick, honest and reliable. I have family members who use this company and had made a claim before and the problem was sorted out quick and fast. I wasn't pressured into purchasing something I didn't need when I finally decided which insurer to go...

Full review

Quick, honest and reliable. I have family members who use this company and had made a claim before and the problem was sorted out quick and fast. I wasn't pressured into purchasing something I didn't need when I finally decided which insurer to go with.

    Value for money   9 / 10

    Trust   9 / 10

Less

Jade (VIC), reviewed about 1 year ago

Bupa

Bupa travel insurance review

Overall rating   7 / 10

Get what you pay for

Not too bad

Full review

Not too bad

    Value for money   6 / 10

    Trust   7 / 10

Less

Terry (QLD), reviewed 12 months ago

Bupa

Bupa travel insurance review

Overall rating   6 / 10

Good price for BUPA health insurance

Discount for BUPA health insurance.

Full review

Discount for BUPA health insurance.

    Value for money   5 / 10

    Trust   5 / 10

Less

Daniel (QLD), reviewed about 1 year ago

Bupa

Bupa travel insurance review

Overall rating   9 / 10

Competitive premiums and easy to deal with.

Recently bought CGU travel insurance through BUPA for trip to the USA. Unfortunately we had to make 2 claims, one for a missed connection and a forced overnight stay, and the other for an injury to one of our party which involved an ambulance and...

Full review

Recently bought CGU travel insurance through BUPA for trip to the USA. Unfortunately we had to make 2 claims, one for a missed connection and a forced overnight stay, and the other for an injury to one of our party which involved an ambulance and hospital admission. Fortunately both were covered and the CGU staff were very helpful and settled the claim promptly. I would use them again.

    Value for money   9 / 10

    Trust   9 / 10

Less

David (QLD), reviewed about 1 year ago

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Compare Bupa travel insurance policies with other Travel Insurers

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.

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