Bupa Global Travel Insurance Review

Bupa Global Travel Insurance Review

Reviewed by:

With the Brexit deadline almost upon us and the current coronavirus pandemic, choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

Once you have read this review of Bupa Global and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Bupa Global Travel Insurance

Bupa Global are a multinational company with over 1700 employees worldwide. When you take out a policy with Bupa Global, you join one of the leading international health care Insurers. Bupa Global offer single trip and annual trip policies. You can choose from the Basic policy, the Basic plus non medical cover or the Basic, plus non medical cover and Cancellation.

Cover is worldwide, including USA and Canada and Bupa Global will even cover Iraq and Afghanistan (subject to approval and payment of an additional premium). The policy includes a 24/7 in house emergency service, providing help on medical referrals, counselling on treatment and co-ordination of hospital stays.  

There is no limit or excess on the medical expenses section of the policy. If you are only interested in cover for medical expenses, choose the Basic policy. Enjoy a 5% discount by buying online.

How to Buy Travel Insurance from Bupa Global

Click on the website link to go directly to the insurance providers website. Visit Bupa Global's Website and Get a Quotation direct

How Bupa Global Travel Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Bupa Global.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Bupa Global Travel Insurance. They are - Basic + Non medical - Basic + Non medical + Trip cancellation - Basic. We have rated these as follows:-

Rating for Single Trip Basic + Non medical:

Rating for Single Trip Basic + Non medical + Trip cancellation:

Rating for Single Trip Basic:

Bupa Global Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Bupa Global Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Bupa Global Travel Insurance. They are - Basic + Non medical - Basic + Non medical + Trip cancellation - Basic. We have rated these as follows:-

Rating for Annual Basic + Non medical:

Rating for Annual Basic + Non medical + Trip cancellation:

Rating for Annual Basic:

Bupa Global Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Bupa Global Longstay Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.
  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.
  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

Key Points you need to know about Bupa Global's policy wording

1. What is the age/classification of a child on the policy?

Children under the age of two are covered at no extra cost. Children are classed as those being under the age of 18.

2. What are the policy age limits?

Both single and annual policies are restricted to those customers under the age of 70.

3. What are the policy Trip Duration limits?

You can take out a single trip policy for up to 12 months. The annual policy covers any number of trips during the year, provided each trip is no longer than one month in duration.

4. What are the options for Winter Sports cover?

The policy states that winter sports is covered automatically. Unfortunately neither the policy or the website provides any information as to what is actually covered.

If you are planning a winter sport trip, we recommend contacting the Insurer direct to confirm which activities are specifically covered.

5. What is classed as a family and how many people can be quoted for?

A policy can be taken out by up to ten individuals. There is no discount for couples or families.

6. What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

There is no mention of the European Health Insurance Card.

7. What is covered under Sports and Activities on the policy?

The website states that most sporting and leisure activities are cover as standard. Unfortunately neither the policy or the website provides a list of which activities are actually covered.

If you are taking part in any activity we recommend contacting the Insurer direct to check if you are covered.

8. What are the policy Alcohol Exclusion terms?

The policy excludes cover for any claim that relates or is connected to the use of alcohol.

9. Does the policy cover Scheduled Airline Failure or Financial Failure?

Not Covered.

10. Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

The policy does not cover pre-existing medical conditions. You can download an application for cover of pre-existing medical conditions, which you need to complete and post to Bupa, who will consider whether the conditions can be included and at what terms.

Unfortunately there is no facility to underwrite any conditions online at the point of sale.

11. What are the policy rules on travelling when pregnant?

The Bupa policy will cover you for acute illnesses and accidents whether you are pregnant or not. You are covered for travel up to and including the 36th week of pregnancy, for sudden and unforeseen illness and or complications in connection with your pregnancy.

12. Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

There is no mention of cover for manual or any type of work under the policy.

13. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

The policy will replace lost, stolen or damaged items on a new for old basis, provided they were less than two years old (less then one year old for clothes) and provided you can supply documentation to prove their ownership and age.

14. What does the policy cover in the event of war, terrorism or cyber attack?

The Bupa policy states that no cover is provided if you are engaged in war, civil war or terrorist acts.

15. Does the policy cover natural disaster or catastrophe before and during my holiday?

Not covered under the policy.

16. Do I have to be a UK resident to be covered under this policy?

No residency restrictions.

Bupa Global's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on bupa-global-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Bupa Global compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Bupa Global Policies

We've highlighted Pro's and Cons for Bupa Global, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Bupa Global.

  • Worldwide cover as standard
  • Nil Excess
  • No option to underwrite medical conditons online (You need to post an up to date medical report)
  • No cover for end supplier failure or catastrophe cover

What Cover do Bupa Global policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Basic

    Single Trip

    Basic + Non medical

    Single Trip

    Basic + Non medical + Trip cancellation

    Single Trip

    Basic

    Annual

    Basic + Non medical

    Annual

    Basic + Non medical + Trip cancellation

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    0

    0

    0

    0

    0

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    Unlimited

    Unlimited

    Unlimited

    Unlimited

    Unlimited

    Unlimited

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    0

    0

    1,100

    0

    0

    1,100

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    42,000

    42,000

    0

    42,000

    42,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    0

    1,100

    1,100

    0

    1,100

    1,100

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    0

    550

    550

    0

    550

    550

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    0

    275

    275

    0

    275

    275

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    110

    110

    0

    110

    110

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    0

    550,000

    550,000

    0

    550,000

    550,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    0

    5,500

    5,500

    0

    5,500

    5,500

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    42,000

    42,000

    0

    42,000

    42,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    110

    110

    0

    110

    110

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    1,200

    1,200

    0

    1,200

    1,200

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    165

    165

    165

    165

    165

    165

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    Unlimited

    Unlimited

    Unlimited

    Unlimited

    Unlimited

    Unlimited

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    280

    280

    0

    280

    280

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    300

    300

    0

    300

    300

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    650

    650

    0

    650

    650

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    150

    150

    150

    150

    150

    150

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

Sample Quotes from Bupa Global.

We are currently Awaiting Details of quotes for this provider.

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

No Result Found