Key policy features
- Unlimited cover for medical expenses and repatriation
- Cover for people up to 89 years old
- No-excess option on the Gold policy
Get a quote with Bupa travel insurance.
See our guide to the best travel insurance companies.
Read on to learn more about:
- Key policy features of Bupa travel insurance
- What types of travel insurance does Bupa offer?
- Are there any restrictions with Bupa travel insurance?
- Does Bupa offer travel insurance for over 65s?
- How much does travel insurance from Bupa cost?
- Does Bupa offer travel insurance cover for pre-existing conditions?
- Customer reviews of Bupa travel insurance
- Expert reviews of Bupa travel insurance
- How to make a claim on Bupa travel insurance
What types of travel insurance does Bupa offer?
Bupa offers three single trip and annual trip insurance policies. All three of Bupa's policies provide unlimited medical emergency cover, including repatriation, as well as £1,000 emergency dental cover, £25,000 legal protection and £2m in personal liability cover. Other cover levels include:
- Classic provides £3,000 cancellation cover, £500 for a missed departure, personal accident cover of £30,000, baggage cover of £1,500 and a single item limit of £250, and 10 days of winter sports cover is included as standard on the annual policy. There is a £50 excess.
- Premier provides £5,000 cancellation cover, £750 for a missed departure, personal accident cover of £50,000, baggage cover of £1,500 with a £300 single item limit, and 17 days of winter sports cover included as standard on the annual policy. There is a £50 excess.
- Gold provides £10,000 cancellation cover, £1,000 for a missed departure, £50,000 personal accident cover, £2,500 personal baggage with a single item limit of £750, and 21 days of winter sports cover included as standard on the annual policy. There is no excess.
Bupa also offers business travel cover. This can cover things like business equipment, as well as paying for replacement staff to be sent out. This policy can be extended to include travel insurance for your employees and their families.
Bupa can provide travel insurance for non-UK residents. It also offers four medical-only travel insurance policies:
- Essential offers up to £5m with a £200 excess
- Deluxe offers up to £10m with a £75 excess
- Super offers up to £15m with a £60 excess
- Platinum offers up to £20m with a £50 excess
You can add baggage, cancellation, and personal money cover to these policies, but this will increase your premium.
These medical travel policies are similar to the travel offering from Bupa Global, the business's international arm. It offers worldwide health and travel cover for individuals, families and businesses. Its travel policies focus on access to medical care but there are options to add baggage and cancellation cover.
Are there any restrictions with Bupa travel insurance?
Personal accident cover is limited to £1,000 for death if you are under the age of 18 or over the age of 69. Also, mobile phones, laptops and computers are not covered under the single item limit.
Not all activities and sports will be covered under Bupa's travel insurance policy. On its website it lists the activities you are covered for.
There are also some age limitations, discussed below.
Does Bupa offer travel insurance for over 65s?
All three of Bupa's single trip policies will insure you up to the age of 89.
Its Classic and Gold multi-trip policies will insure you up to the age of 79. Its Premier policy will insure you up to the age of 79 worldwide and 89 in Europe.
The upper age limit for dependents is 17. If you are over the age of 17, you won't be counted as a child on the policy, meaning the premium may be higher (though travel insurance for young people is still usually relatively cheap).
Bear in mind that you must be under the age of 18 and in full-time education to be counted as a child on the policy.
Check out our guide to the best travel insurance for more information on getting travel insurance if you're over the age of 65.
How much does travel insurance from Bupa cost?
The cost of travel insurance from Bupa will vary greatly depending on a range of factors, including what policy you choose, whether you add any optional extras, your age, and where you are travelling to.
The excess on Bupa's Classic and Premier policies is £50. There is no excess on its Gold policy.
You can find out how much your travel insurance will cost by getting a quote from Bupa. You may need to call Bupa's customer service line to get a quote or fill out an enquiry form online.
Does Bupa offer travel insurance cover for pre-existing conditions?
Bupa's Premier and Gold policies will cover some pre-existing conditions. You will need to declare them to Bupa before you take out your policy. To be covered for the condition, Bupa will have to agree to cover the condition.
If the company decides not to cover an illness, you should still be able to get travel insurance. However, you will not be able to claim for anything that happens due to the pre-existing condition.
Bear in mind that if you do opt for cover for any pre-existing conditions, your premium will increase.
Sometimes it can be hard to get travel insurance for more serious or terminal conditions. You may not be able to get travel insurance if you have cancer, for example. However, it's always best to ask your insurer.
Its Classic policy will not cover pre-existing conditions.
Check out our article on the best travel insurance cover for medical conditions to find other companies that offer cover.
Customer reviews of Bupa travel insurance
On Trustpilot, the company as a whole has a rating of 2.5 out of 10 based on 27 reviews.
Expert reviews of Bupa travel insurance
Bupa's Classic, Gold and Premier travel insurance policies have been awarded 4 Stars by independent financial reviewer Defaqto.
Its Basic policy has been awarded 1 Star without any optional extras.
A Star rating indicates where a product or proposition sits on the market based on the quality and comprehensiveness of its features.
How to make a claim on Bupa travel insurance
To make a claim on Bupa travel insurance, you'll need to head to the website and download a claims forms. There are various forms based on what you are claiming for and the policy you have.
After you have filled out the form, you need to send it to Bupa along with any required evidence, such as receipts, invoices or medical reports. The company requires you to return the form and any supporting documents within 28 days of returning home from your trip.
Bupa says it can send a claim form if you do not have access to a printer. It also provides a phone number if you need any extra help: 0808 256 3500.