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Bupa Travel Insurance

The A-Z Guide to Travel Insurance for Seniors


As all seasoned travellers know, it’s really important to have travel insurance when you go overseas in case the unexpected happens. But sometimes travel insurance can be a bit confusing. In this article we explain some of the key terms in a handy A-Z guide of things you need to know about travel insurance. 

Additional expenses - We will cover the reasonable costs of additional accommodation and travel expenses that result from you being delayed*

Bupa members - This refers to Bupa health insurance members, as a valued member you will receive a 15% discount off your Bupa Travel Insurance premium.

Compare travel insurance - Depending on where you are travelling to, there are different levels of cover that may be required - you can compare your travel insurance options here.

Damaged luggage – check your luggage as soon as you arrive at your destination. If you suspect your luggage has been damaged or tampered with, report it immediately to the airline and airport/port officials. If your luggage has been damaged or tampered with, seek compensation from the airline or airport/port and get written confirmation of the incident from them*.

Emergency Assistance - Bupa Travel Insurance provides access to a 24-hour emergency assistance hotline for you to call if you have any difficulties while travelling. Call from anywhere in the world to speak with a highly trained, multilingual consultant (we accept reverse charges for overseas calls). The number to call within Australia is (02) 8895 0694 and while overseas +61 2 8895 0694.

Flight cancellations or rescheduled travel - We will cover any amount you have paid in advance for travel arrangements that are unused and you are unable to recover*.

Get a quote - If you’re thinking about travelling overseas, then you need to think about travel insurance. Bupa Travel Insurance offers different levels of cover, based on your destination and the duration of your trip. Get a quote.

Hire vehicle excess waiver: We offer cover for the insurance excess you are liable to pay under a hire agreement up to $3,000 under the Super Plus Plan and up to $2,000 for all other plans*.

Insurance – purchase travel insurance before, or as soon as possible once you have paid the deposit for your trip. Call us to nominate a family member or friend to amend your policy on your behalf or organise a Power of Attorney in Australia if your trip is lengthy.

Jet Lag: To try and minimise the effect of jet lag, consider adjusting for a new time zone by sleeping earlier if you’re travelling east and later if you’re travelling west. Start the journey well rested, and try and get enough sleep during the journey itself.

Keep Healthy: See your GP (and other specialists if needed) at least six weeks before you leave. Your doctor can advise you about vaccinations and any other specific medicines that you may need for your trip well before your departure date.

Lost luggage or travel documents – we can put you in contact with the relevant authorities and help with replacement and/or recovery if the usual channels have failed.

Medical expenses: Travel insurance provides cover for overseas medical expenses if you become injured or ill while travelling overseas and need medical treatment, it’s important to check your policy and make sure you have the right level of cover for each place you are travelling to*.

Next of Kin - Couples and families can apply for cover together. Bupa Travel Insurance can cover you, your spouse or travel partner and for no additional cost, any dependent children you have under 21.

Overseas evacuation costs: Travel insurance can cover the cost of transporting you back to Australia, or another place, if you become ill or injured*.

Pre-existing medical and dental conditions - At Bupa Travel Insurance, there are some medical conditions that we will cover automatically, provided you have no other related medical conditions. Additionally, you can choose to add optional cover for a pre-existing medical condition. If you’re in any doubt, it’s best to contact us to find out what you’re covered for and what’s excluded.

Questions - You can find answers to some of the frequently asked questions about Bupa’ travel insurance on our FAQs page here.

Rescheduled or cancelled travel - We will cover any amount you have paid in advance for travel arrangements that are unused and you are unable to recover*.

Seniors over 70: Even if you take out comprehensive travel insurance, you may not be automatically covered for your medical costs if you are 70 or over. You may be asked to attend a medical assessment before approval is given for medical coverage.

Travel documents - We will cover the cost of reissuing or replacing your travel documents, credit cards or travellers’ cheques if they are stolen during your journey*.

Use Your Common Sense: Use your common sense and keep yourself safe while you’re overseas. Check the travel advisory information for the country you intend to visit for risks to health and personal safety. This information is available on the Australian Government's Smartraveller website.

Vaccinations – visit your doctor prior to departure, or contact our Emergency Assistance Hotline regarding any vaccinations or any other precautions that may be recommended.

What are the limits of my cover? Certain limits and exclusions apply to this product. You’ll find full details in the Product Disclosure Statement. The maximum payment for the total of all claims under any section of the Product Disclosure Statement is the sum insured for that Section.

X factor - Be sure to get Bupa Travel Insurance for peace of mind while you travel overseas in case the unexpected happens.

Your claim: It’s easy to make your claim - simply call 13 24 80. Be sure to have your supporting details for medical claims, lost or stolen luggage claims and cancellation claims.

Zones - Depending on where you travel, Bupa has travel insurance suitable for your needs. The minimum cover required to the following country zones are:

  • New Zealand, Norfolk Islands and South Pacific Islands - Economy
  • Asia, including Bali - Standard
  • UK, Europe, South America, Russia, India, Africa or the Middle East - Super
  • USA, Canada or Japan - Super Plus

* Cover subject to terms and conditions, limits and exclusions, refer to Product Disclosure Statement for details.