Bupa Travel Insurance

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don't cover claims that arise from, or are related to, an epidemic or pandemic.

However, you are covered under selected benefits in this product if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the Product Disclosure Statement (PDS) to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

If you have any questions call us on 1300 992 694 (Weekdays 8:30am to 5.30pm AEST).

Call emergency services immediately if your condition is life threatening. Call us on +61 7 3305 7497 (overseas) or 1800 119 412 (within Australia).

If the unexpected happens while on your trip call us as soon as you can, Australian-based case managers are here for you 24 hours a day, 7 days a week, with registered nurses and doctors available when you need them.

They'll step you through the process and take care of things. If you can't call us straight away, make sure you keep any documentation that may help with your claim, this could include, receipts, invoices, medical records or police reports, and contact us as soon as you're able to.

Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

It's up to you when you purchase travel insurance, however, keep in mind these three things:

1. You can purchase Bupa Travel Insurance up to 12 months in advance.
2. If you decide to purchase Bupa Travel Insurance, plans must be purchased before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to commence travel.
3. Depending on the plan you choose you may have trip cancellation cover^*, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider purchasing travel insurance as soon as you've booked and paid for some or all of your trip as you may be covered for such events before you depart.

If you have a pre-existing medical condition that meets definition in the Product Disclosure Statement (PDS), you can apply to include cover under your policy for your pre-existing medical condition(s) at the time of purchasing your policy.

Alternatively, you can call our contact centre and they can step you through the medical assessment over the phone, call us on 1300 992 694 (Weekdays 8:30am to 5.30pm AEST).

We don't cover any pre-existing medical conditions unless you complete a medical assessment, and we agree to cover you. If you choose not to tell us about your pre-existing medical condition(s); or we decline to cover you; or you decline our offer; you, or anyone else on the policy, won't be covered for any claim arising from your pre-existing medical condition(s).

If you're currently pregnant and:

• you've had pregnancy complications^{^} with this or a previous pregnancy; or
• you're expecting more than one child,

you will need to choose an eligible plan and complete our easy online medical assessment during purchase to apply for cover. Alternatively, you can call our contact centre and they can step you through the medical assessment over the phone, call us on 1300 992 694 (Weekdays 8:30am to 5.30pm AEST).

Otherwise, you don't need to tell us about your pregnancy as your policy will automatically provide cover for pregnancy-related claims arising from an unforeseen event, as long as:

• the event occurs prior to the 24th week of your pregnancy; and
• it's not something excluded under the policy.

If you fall pregnant or discover you're pregnant after you purchase travel insurance, you'll be automatically covered.

^{^}Pregnancy complications are a medical condition for which the diagnosis is distinct from pregnancy but is caused by or adversely affected by pregnancy.

Please note, pregnancy cover is for unforeseen events only, we don't cover:

• a pregnancy once it's 24 weeks or more gestation; or
• any expenses for routine or regular antenatal care; or
• childbirth at any stage of your pregnancy or costs relating to the care or health of a newborn child, other than as a result of an accident occurring prior to the 24th week of your pregnancy which causes you to give birth prematurely; or requires you to be admitted to hospital beyond the 24th week of your pregnancy, during which time your child is born.