Why we like it:
WE HIGHLY RECOMMEND the BUPA single trip travel insurance because it is complete coverage (usually 100%) without copays or deductibles and has an unlimited medical benefit (Unlike some plans, where you select $250,000 or $500,000 as a maximum medical benefit and pay for that higher max coverage). This plan has an available waiver form for pre-existing conditions and covers acute onset of pre-existing conditions the same as any other medical claim.
It is available for world travelers from any nation, excluding the USA and Canada, covers most recreational and adventure sports without an additional rider, and has the option to add trip cancellation to protect non-refundable deposits.
We recommend all travelers select the “non-medical travel benefits” option when purchasing this insurance.
Good for:
- Those wanting travel insurance for pre-existing conditions
- Non-U.S. / Non-Canadian travelers up to age 69
- Does not require you to have domestic health insurance
- Unlimited medical coverage with no deductible!
Highlights
BUPA’s travel insurance is one of the best policies for non-U.S./non-Canadian travelers, including travel to the USA or Canada
Note: When you click “Buy Online” or “Get a Quote,” sometimes the online application form for this plan can take 3-30 seconds to load. We apologize for any delay since the security connection and form is coming from the carrier’s site.
On the application, select Single Trip, not Annual Multi Trip Travel Insurance
The Bupa International Travel Health Insurance plan is best for:
- Non-U.S. and Non-Canadian individuals and families desiring exceptional short term insurance
– Residents of the U.S., Canada, Brazil, Thailand and Nigeria are not eligible. - Includes travel coverage anywhere in the world including North America and the USA.
– Iran, Syria, Sudan, North Korea, Crimea and Cuba are excluded. - Those wanting “no-worries” top of the line coverage for single or multiple trips
- Travelers needing extreme sports coverage
- Europeans and others used to nationalized health plans
Why Bupa travel health insurance is one of the best?
- Unlimited medical and evacuation coverage
- 100% coverage for emergency treatment and medical evacuation
- No deductible and no co-insurance
- Few exclusions regarding adventure sports
Basic Medical Benefits below are covered 100% – No maximum limit
- Hospitalisation
- Outpatient treatment by a doctor or specialist
- Prescribed medicines
- Ambulance transportation
- Medical evacuation/repatriation
- Continuation of trip post treatment
- Medical treatment due to sport injuries
Some Other Items We Like About BUPA:
- Coverage outside your country of residence. (See examples below)
- Coverage up through age 69
- Additional non-medical option and trip cancellation option also if desired
- Add on personal liability cover (see below)
- Free coverage for children under the age of two
- “Complications of pregnancy” are covered up to the 36 week of pregnancy
- Pre-existing condition coverage (see below)
- Multilingual staff are able to assist customers in more than 20 languages.
- All their policy documents and contract details are available in English, German and Spanish.
- You can also pay in four currencies: USD, EUR, CHF and GBP.
Coverage in many risk and war zones (a loading may apply).
– Iran, Syria, Sudan North Korea, Crimea, and Cuba are excluded
Medical Benefits
Regarding Pre-existing Conditions
More On BUPA Worldwide Travel Health Insurance
MORE ON BUPA SHORT-TERM BENEFITS
- Coverage up through age 69
- 100% coverage for emergency treatment and medical evacuation
- Free choice of doctors and hospitals | No deductible and no co-insurance
- You will be covered outside the country you are residing in. For example:
– If you are a German citizen, but residing in India you will be covered throughout the world including the U.S. minus India.
– If you are an Australian citizen residing in South Africa you will be covered throughout the world including the U.S, Australia, the rest of the world minus South Africa.
– If you are an Indonesian citizen residing in Indonesia you will be covered throughout the world, minus Indonesia.Please be aware that BUPA does not offer plans to U.S. or Canadian residents traveling overseas.
This plan does insure non-U.S. and non-Canadian residents traveling anywhere in the world, including to the USA or Canada. - Add on personal liability cover using the non medical travel benefits add-on
- Personal liability – property damages of USD 500,000
- Personal liability – bodily injury of USD 1,000,000
- Legal liability for any bodily injury or property damage incurred by the insured under the existing laws of the country in which such injury or damage occurs,
- Additional information is in the brochure you can download on this page.
- Additional non-medical travel benefits and trip cancellation option if needed
- 24-hour Emergency Service
- Willing to make direct payments to any hospital worldwide
- Free coverage for children under the age of two
- “Complications of pregnancy” are covered up to the 36 week of pregnancy
- Covers worldwide policy holder outside his or her country of residence during all types of travel: leisure, study and business
- Coverage in many risk and war zones (a loading may apply).
– Iran, Syria, Sudan North Korea, Crimea, and Cuba are excluded
Pre-existing conditions must be stable for the last 6 months prior to departure and are covered as any other illness.* This includes no change of treatment or medication in the past 6 months. Routine check-ups and maintenance prescriptions are not covered.
*If unsure of coverage for a pre-existing condition, contact us at 480-813-9100 for a” pre-existing condition waiver” to be completed by your physician.
Optional trip cancellation benefit
Single Trip – Trip Cancellation Option will reimburse up to
2,500USD 1,875EUR 2,500CHF 1,500GBP
per trip.
It provides cover in the event that the insured cannot travel because:
1) the insured or a close relative dies or becomes seriously ill or injured requiring hospitalisation, or
2) the insured is declared medically unfit to travel, or
3) the insured cannot be vaccinated due to pregnancy, or
4) because the Royal Danish Ministry of Foreign Affairs, the Danish embassy or a similar institution within the EU advises against all travel to the destination of the trip and if the situation has arisen after the insured has purchased the insurance.
Any of the above conditions must have occurred after the insured has booked and/or paid for the trip and after the purchase of the insurance policy. In the case of a covered incident resulting in cancellation, a single co-insured traveller’s costs will also be covered. Where the insured is travelling with his/her co-insured spouse and/or co-insured children, these family members will also be covered.
This benefit provides compensation for the amount that the insured has paid for his/her trip and for which there is no possibility of a refund in case of cancellation and/or change in itinerary according to the conditions of the travel agency or airline company.
Optional Non-Medical Travel Benefits
We highly recommend all travelers select the non-medical travel benefits when purchasing this insurance:
Choose “Supplementary Coverage – Non-Medical”
Personal AD&D (Accidental death and disability)*
75,000USD or 55,000EUR
Maximum baggage coverage per person per trip
2,000USD or 1,500EUR
Baggage – theft, robbery and fire
Loss of or damage to registered baggage
Theft of passport and/or cash
Baggage delay
Travel delay — documented expenses for
accommodation (overnight stay) and meals
Missed flight connection
Hospital daily benefit
Personal liability – Property damage
500,000USD or 360,000EUR
Personal liability – Bodily injury to another
1,000,000USD or 715,000EUR
Security and legal assistance**
10,000USD or 7,200EUR
**with 10% co-insurance
Submitting a claim
How To Submit a Claim Form
Outpatient treatment such as visits to a doctor or dentist must be paid and then submitted for reimbursement.
You can download a claim form from www.bupaglobal.com/en/travel-insurance/claims
Send it electronically by email to traveleclaim@ihi.com or by ordinary mail to our postal address.
Please make sure to request all records and receipts for each procedure when you are initially seen or treated.
Please complete the form with as much detailed information as possible together with all relevant documentation such as itemised bills, scanned receipts, expense documentation, etc.
Submitting A Claim online
You can submit your claims online on www.bupaglobal.com/en/travel-insurance/claims.
All you need to do is to complete the online claim form step-by-step with as much detailed information as possible and scan your bills and corresponding receipts before attaching them to the claim form. Claiming online is easy and it allows you to upload your claims in a secure way.
When your claims have been assessed, you will be notified by email or letter. Please note…that claims regarding delayed and lost baggage must be submitted by ordinary mail. Please keep the original bills until your claims have been reimbursed as the original bills may be requested (Always keep copies of anything you send via mail).
Additional Information
- Clicking on “Get a Quote” or “Buy Online”:
Sometimes the online application form for this plan can take 3-30 seconds to load due to its security algorithms. We apologize for any delay since the form is coming from the carrier’s site. - FAQ and Answers on Medical Cover
- FAQ and Answers on Travel Trip Cancellation
Here at Good Neighbor Insurance it is very important for us to connect with you.
As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!