Bupa Travel Insurance Review

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.

Medical

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).

Featured Partners

1

Fast Cover Travel Insurance

Get a Fast Quote

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

2

Cover-More Travel Insurance

Learn More

On Cover-more’s secure website

Medical cover

Unlimited, with a $2000 limit to dental

Cancellations

Yes, amount chosen by customer

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.