Bupa Global travel insurance
Cover for pre-existing conditions
Cover for many pre-existing and chronic medical conditions
You may know Bupa Global for our premium health insurance, but did you know that we also provide single-trip and annual multi-trip business and personal travel insurance?
Our travel insurance has no excess / deductible or co-payment on medical expenses, no overall limit on eligible medical expenses, and we can cover many pre-existing and chronic medical conditions as standard, as long as you let us know your circumstances and we approve them before your trip.
We have a huge global network of medical providers to draw upon for your care and treatment in medical emergencies, and we do not underwrite our insurance to third parties.
We also offer non-medical and trip cancellation insurance, and all our customer service is in-house, to offer you a premium experience.
We can cover many pre-existing and chronic medical conditions too, as long as they have been stable for 6 months before you start a trip. Just complete our application form so we can let you know if yours is covered.
We may cover many pre-existing and chronic medical conditions such as:
- Heart conditions
- High blood pressure
- Gastrointestinal conditions
Our travel insurance can cover your pre-existing and chronic medical conditions, as long as your condition has been been stable for more than 6 months before you start each trip. Please see the policy conditions especially art. 6.6 for the complete overview of our stability requirements. If you have been stable for more than 6 months, you do not need to send in a pre-existing application form. If you are in any doubt whether your condition would be considered stable, you are welcome to contact us or complete the application form.
You can apply before or after you buy your policy, but it is important to let us know about your condition before you begin your trip or you may not be covered for costs that result from associated emergency medical emergencies.
Medical loading is not applied to this policy so the evaluation will not affect your quote.
Please note that processing of application can take up to 5 working days.
What travel insurance options are available and how do I choose?
Your travel insurance policy structure is simple: the core cover is called Medical, and it draws on our medical expertise and experience, so if you want to protect yourself and your loved ones for medical emergencies resulting from acute unexpected illness or injury, this is ideal.
You can then add Non-Medical and Trip cancellation cover if you wish. These are all serviced by our in-house teams.
It’s that simple. Buy Medical Cover, Medical + Non-Medical Cover, or Medical + Non-Medical + Trip Cancellation Cover.
Here is a quick summary of features and benefits. For full details of benefits, limitations and exclusions refer to the product guide.
Medical CoverProduct guide (pdf)
Offers 24 hour multilingual assistance and global cover for medical emergencies resulting from acute unexpected illness and injury. Some features include:
- Worldwide cover as standard
- No excess / deductible / co-payment on eligible medical expenses
- No overall limit on reimbursement for eligible medical expenses.
- Free choice of recognised hospital / treatment facility
- In-patient and out-patient treatment
- Crisis psychologist for mugging or assault
- Medical evacuation and repatriation
- Compassionate emergency repatriation and visits
- Most pre-existing and chronic medical conditions can be covered upon application
Medical + Non-MedicalProduct guide (pdf)
Offers the protection of Medical, plus cover for non-medical emergencies that include:
- Baggage theft, loss, damage or delay
- Theft of passport / cash
- Personal liability for property damage and bodily injury
- Travel delay / missed flight connection
- Hospital daily benefit
- Security and legal assistance
Please see the product guide for important information about details, limits and exclusions.
Medical + Non-Medical +Trip cancellationProduct guide (pdf)
On top of the Medical and Non-Medical cover, you can buy cover for reimbursement of non-refundable costs if you cannot travel due to an unexpected serious medical condition.
Again, please see the product guide for important details regarding this benefit and the limits that apply.
Please note that the above table is simply a summary of selected policy features. For full policy conditions, benefits, limitations and exclusions please refer to the product guide.
What our travel insurance is designed to protect is your most important asset – your health, nearly anywhere in the world and for a wide range of activities – so you can enjoy yourself to the fullest.
Please make sure to read our product guide to get all the details – including key limits and exclusions - before you buy.
Single trip vs annual multi-trip travel insurance
A single trip travel insurance policy covers a trip of a defined duration, while annual multi-trip policies can cover all your trips of up to 30 days – personal and business, planned or last-minute – for one year. Either way, you usually don’t need to tell us where you are going, but please contact us if you are travelling to high risk areas, such as Iraq or Afghanistan, so we can discuss the cover options available.
If you’re not sure whether single trip or annual multi-trip insurance is more suitable to you, here’s a quick overview of the differences:
- Single Trip Travel Insurance policy
If you don’t travel often, you may prefer to buy a single trip policy. Single trip travel insurance can cover you for one work or personal trip that lasts from 1 to 364 days.
- Annual Multi-Trip Travel Insurance policy
If you travel even a few times in a year, it makes sense to get a quote for an annual multi-trip travel insurance policy. This will cover you for as many trips (up to a month each) as you can fit into one year: for work or personal travel, worldwide – and we cover a wide range of activities while you are away. If one of your trips does extend beyond a month, you can extend your insurance online by paying a daily premium.
Aside from being convenient, annual multi-trip policies can be less expensive when compared to the cost of multiple single trip policies over a year. Please check the policy benefits, limits and exclusions before you buy, to make sure our cover is right for all your needs.
Still not sure?
You may find it easier to decide if you get a quote for both options. Keep in mind that we give you a 5% discount at checkout if you buy online and kids under 2 are covered at no additional cost on your policy.
And if you happen to be a Bupa Global International Private Medical Insurance customer, check your policy benefits before travelling to see if they include cover for the country you are going to and other benefits, such as repatriation and evacuation. If you still require medical travel insurance, or you need the additional cover from our add-ons, such as theft, lost luggage and trip cancellation, for example, you can enjoy another 10% off simply by entering your policy number at checkout.
Download plan details
If you reside in the United Kingdom, Jersey, Guernsey, Falkland Islands, Isle of Man or Gibraltar:
If you reside in Mexico:
If you reside anywhere outside of the countries listed above and you purchased your insurance with a start date on or before 31st December 2020:
If you reside anywhere outside of the countries listed above and you purchased your insurance with a start date on or after 1st January 2021:
A travel insurance policy is designed to cover acute illness and injury that occurs after you've started your trip, so to be covered, it must be unexpected.
In some instances a chronic and/or pre-existing condition is covered by your travel insurance. We recommend that you send an up-to-date medical report and our application form for pre-existing conditions to Bupa Global Travel and our in-house medical consultants will evaluate if your particular condition is covered.
If you reside in the United Kingdom, Mexico, Jersey, Guernsey, Falkland Islands, Isle of Man or Gibraltar:
If you reside anywhere outside of the countries listed above: