annual travel insurance bupa

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Bupa Travel Insurance Review

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Updated: Aug 8, 2023, 1:29pm

Bupa is a well-known name in the Australian insurance scene, and its travel insurance option is no different. With no age limit on policies and unlimited medical cover (including dental), Bupa comprehensive travel insurance is a responsible choice for all types of trips and travellers. Bupa offers three kinds of coverage: comprehensive, essentials and domestic. This review focuses on the comprehensive policy.

• Unlimited medical, hospital and dental cover
• No maximum age limit
• All pre-existing conditions need to be assessed to determine if they will be covered
• Reviews state lengthy waits for claim payments

Table of Contents

About bupa travel insurance, what is covered, who should take out this insurance.

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Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

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Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Bupa Travel Insurance is underwritten by Allianz Australia Insurance Ltd, and the policy is very similar to the Allianz Comprehensive Travel Insurance offering. The travel insurance policy offered to Australians by Bupa is via Bupa Asia Pacific, a part of the global Bupa Group.

Along with travel insurance, Bupa also offers Australians health insurance, car insurance, home insurance, pet insurance, landlord insurance, valuables insurance, among others.

In relation to its Bupa travel insurance policy, which is analysed in detail below, customers have rated the policy 3.9 stars out of 5 from 138 reviews via Australia’s independent consumer opinion site, ProductReview.

Bupa offers its comprehensive travel insurance policy to all Australians, with no age limits in place for travellers wishing to take out their comprehensive option, although pre-existing medical conditions require assessment before being covered. The lack of an age limit is particularly helpful to senior travellers as well as families, especially considering that dependent children are included in the policy up to the age of 25–provided they are not in full time employment and will be travelling with you 100% of the time.

In terms of financial cover, Bupa covers credit card fraud up to $5,000, while personal liability is covered up to $5 million.

Delays and missed connections are an inevitable risk of travel, which is why Bupa’s travel delay cover includes coverage for missed connections: for delays of more than six hours there is $250 per person allocation and a further $250 for each additional 24-hour period after the initial six hours. The delay cover, however, is limited at $2,000 total for all travellers on the policy, and maximum per person of $500 after the initial six-hour delay.

When taking out your Bupa Travel Insurance policy, travellers can also opt for cancellation cover, with the amount chosen by the customer.

Lost luggage

Bupa’s comprehensive travel insurance policy includes lost luggage cover up to $10,000, however, sub limits apply for certain items. Policyholders do have the option to increase item limits for high value items if required. Check the pds for further details.

The last thing you want to think about on a trip is having to access medical services, but it’s important for Australians heading overseas to ensure this is included on a travel insurance policy for peace of mind.

Bupa covers overseas medical and hospital expenses, so you will not be out of pocket if you need to access medical care while abroad. If you have a pre-existing condition, however, you will need to be assessed by Bupa prior to your trip to determine if they can be covered with the policy.

Is dental cover included in medical?

Yes, Bupa does include dental within its unlimited medical and hospital expenses cover. A lot of insurance providers don’t choose to include dental within medical cover, so it is a benefit of Bupa’s policy.

Does it Cover Me for Covid?

Yes, Bupa’s travel insurance includes covid cover under its medical expenses. In terms of cancellations, these are only covered due to Covid-19 if the trip cancellation is due to a government-enforced border closure or if the policyholder has to complete quarantine due to Covid.

What about Pregnancy?

If you’re pregnant while travelling, you’re going to want to ensure your travel insurance policy covers pregnancy. With Bupa, you are covered until week 24 of your pregnancy, provided that you do not have complications with the pregnancy or a history of complications.

This cover is included under the unlimited medical expenses, however, childbirth is not covered.

What about Sports and Activities?

When taking out Bupa’s travel insurance, there are 38 activities automatically included in your plan. These include golfing, river cruising, gymnastics and more. Certain conditions apply to these automatic inclusions, such as safety provisions and terrain restrictions (or claims made would be void).

In addition to the 38 included activities, policyholders can also add on activity packs to suit their trip type for an additional cost.

These are packs that cover activities designated for ‘adventure’, such as for cave tubing and rock climbing, ‘cruise’ for those going on a multi-day cruising holiday, and a ‘snow’ pack to cover certain winter sports.

Similar to the automatically included activities, certain restrictions apply to the purchase of the additional packs. Failing to meet these requirements could result in your claims being void, which is why it is essential to read your policy’s product disclosure statement.

Customer service

Bupa offers its customers 24/7 emergency assistance with Australian based doctors and nurses, so you can receive trusted medical guidance at any time while on your holiday.

For non-medical enquiries, Bupa has a separate contact telephone number and a call back option for those calling out of hours. Further, Bupa also has a WhatsApp channel which customers can use to get in touch with the Bupa customer service team while travelling.

Bupa has made the process of making claims easier for its customers, by allowing claims to be made online via the myBupa app (available on both iOS and Android, and via web browser).

Thanks to the well-known name and the non-existent age limit when taking out a policy, Bupa’s travel insurance is well suited to a wide variety of Australian families going on holidays together. This is especially true as children up to 25 years of age are included on the policy at no extra charge, pending the meeting of certain conditions. In any case, before you take out this insurance, Forbes Advisor recommends you read the product disclosure statement carefully so you can understand the various sub-limits and exclusions.

Frequently Asked Questions (FAQs)

Is there a discount for bupa travel insurance.

While there is no automatic discount for Bupa travel insurance, pre-existing customers of Bupa (such as those with an active health insurance policy) can get 15% off their premiums.

Does Bupa Travel Insurance cover COVID?

Yes, Bupa Travel Insurance covers COVID-19 as a medical condition under its unlimited medical and hospital cover. It also covers trip cancellations caused by Covid, on the basis that there are government enforced border closures or the traveller is required to quarantine.

How do I make a claim with Bupa Travel Insurance?

Claims can be made via the myBupa app on your mobile or webpage. You can also call the 24/7 Australian-based customer service team to submit a claim over the phone on 1300 992 694.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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The 5 Best Annual Travel Insurance Plans of 2024

Allianz Travel Insurance »

AIG Travel Guard »

Seven Corners »

GeoBlue »

Trawick International »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Annual Travel Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• AIG Travel Guard

Buying travel insurance can be a smart move for most trips, but those who travel more than a few times a year should consider an annual travel insurance policy. Whether you regularly travel for business and/or take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to price out and purchase protection every time you leave home.

If you find yourself in a situation where an annual plan makes sense, know that not all travel insurance companies offer this kind of coverage. You'll also want to consider the available annual travel insurance plans to see which options make sense for your travel style and the level of coverage you want.

Frequently Asked Questions

Annual travel insurance plans all work in their own way, but the majority let travelers pay one annual premium for coverage that lasts for up to 364 days. These plans often limit the length of individual trips that are covered within the coverage year. Per-trip and annual limits on coverage can also apply.

In some cases, annual travel insurance plans require a deductible or coinsurance for certain types of coverage. If you're considering an annual travel insurance plan because you take multiple trips each year, make sure you read over the policy details and understand all coverage limits and trip limits that apply.

The cost of annual travel insurance typically varies based on factors like the age of the travelers applying, included benefits and coverage limits. You will want to shop around to compare plans across multiple providers using a platform like TravelInsurance.com or Squaremouth before you settle on a travel insurance policy.

To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period. The Squaremouth travel insurance portal quoted policies with costs that range from $206 for the GeoBlue Trekker Essential plan to $610 for the Safe Travels Annual Deluxe plan by Trawick International.

Annual travel insurance can be worth it if you take multiple trips each year and want to make sure you always have coverage in place. After all, the alternative to having a multitrip policy is buying a new travel insurance plan for every vacation you take. That's not always feasible for frequent travelers who are always jetting off somewhere new – often at the last minute.

Just keep in mind that annual travel insurance plans tend to come with lower coverage limits than plans for single trips, and that you'll pay a premium for coverage that comes with comprehensive benefits and high limits for medical expenses and emergency evacuation.

• Allianz Travel Insurance: Best Overall
• AIG Travel Guard: Best for Basic Coverage
• Seven Corners: Best for Medical
• GeoBlue: Best for Expats
• Trawick International: Best for the Cost

Tailor your annual travel insurance plan to your needs

Most plans include coverage for trip cancellation and interruption, travel delays, medical expenses, and more

Lowest-tier plans (AllTrips Basic and AllTrips Prime) come with no or relatively low coverage limits for trip cancellation

Most annual plans (except for AllTrips Premier) do not cover trips longer than 45 days

• Trip cancellation coverage worth up to between $2,000 and $15,000
• Trip interruption coverage worth up to between $2,000 and $15,000
• Emergency medical coverage worth up to $50,000
• Up to $500,000 in emergency medical transportation coverage
• Up to $2,000 in coverage for lost or damaged baggage
• Up to $2,000 in coverage for baggage delays
• Travel delay coverage worth up to $1,500 ($300 daily limit)
• Rental car coverage worth up to $45,000
• Up to $50,000 in travel accident coverage
• 24-hour hotline assistance and concierge service

Annual Travel Insurance Plan offers year-round travel insurance protection

Relatively high limits for medical expenses ($50,000) and emergency evacuation ($500,000)

No trip cancellation coverage and relatively low limit ($2,500) for trip interruption coverage

No coverage for preexisting medical conditions

• Up to $2,500 in coverage for trip interruption
• Up to $1,500 in coverage for trip delays of five-plus hours ($150 per day limit)
• Missed connection coverage worth up to $500
• Up to $2,500 in baggage insurance
• Baggage delay coverage worth up to $1,000 for delays of at least 12 hours.
• Up to $50,000 for emergency medical expenses ($500 for emergency dental sublimit)
• Up to $500,000 for emergency evacuation and repatriation of remains
• Up to $50,000 in accidental death and dismemberment (AD&D) insurance
• Up to $100,000 in protection for security evacuation

Provides coverage worth up to $250,000 for emergency medical expenses

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

Deductible up to $100 applies for emergency medical coverage and baggage and personal effects

• Trip cancellation coverage worth up to between $2,500 and $10,000
• Trip interruption coverage worth up to 150% of the trip cancellation limit
• Up to $2,000 in trip delay coverage ($200 daily limit)
• Up to $1,000 in protection for missed connections
• Up to $250,000 in coverage for emergency medical expenses ($50,000 in New Hampshire)
• $750 dental sublimit within emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $2,000 in coverage for baggage and personal effects
• Baggage delay coverage worth up to $1,000 ($100 daily limit)
• 24/7 travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

• Ambulatory and therapeutic services
• Inpatient hospital services
• Emergency medical services
• Rehabilitation and therapy
• Preventive and primary care

Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

• Trip cancellation coverage up to $2,500 maximum per year
• Trip interruption coverage up to $2,500 maximum per year
• $200 per trip for trip delays (up to $100 per day for delays of 12 hours or longer)
• Up to $500 in coverage per trip for baggage and personal effects
• Baggage delay coverage up to $100 per trip
• Up to $10,000 for emergency medical expenses per trip
• Up to $50,000 in emergency medical evacuation coverage per trip
• Up to $10,000 in AD&D coverage
• 24-hour travel assistance services

Why Trust U.S. News Travel

Holly Johnson is a travel expert who has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – within their family media business and travel agency .

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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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GeoBlue Trekker Choice

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If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

The 11 Best Annual Travel Insurance Policies

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

What Is Annual Travel Insurance?

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

Frequently Asked Questions

Is yearly travel insurance worth it.

For some, yes. For others, no. Annual travel insurance is worth it when the cost is less than what you’d pay to insure each trip separately or you would prefer to just sign up once then be done for a year. However, annual travel insurance isn’t worth it if you only take a few, mostly domestic, trips a year where your healthcare coverage works, and you don’t have major nonrefundable expenses.

How much does annual trip insurance cost?

Costs vary greatly depending on the type of coverage you want. Annual travel insurance plan costs range from $140 to $500 for a single person. If you take a lot of trips, the cost can be worth it over the course of a year, but each person’s situation is different.

When should I take out annual travel insurance?

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and that the cost of insuring each alone would be higher than the cost of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want. Look at the different types of coverage and your expected costs for insuring each trip separately, then see if it makes sense for you.

Does annual travel insurance automatically renew?

It varies by policy provider, but some companies have an auto-renew feature to ensure you don’t have gaps in coverage.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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Best Annual Travel Insurance in 2024

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If you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Bupa travel insurance review

There are 5 policies to choose from with bupa travel insurance, along with a heap of add-ons including adventure activities, snow sports and wide-ranging cruise cover..

In this guide

Compare your travel insurance quotes

What does bupa travel insurance include, bupa travel insurance features – an overview, comprehensive policy features, optional add-ons, more reasons to consider bupa, frequently asked questions.

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Our Verdict

• Enjoy the flexibility to pick between a wide range of policies and set your own trip cancellation limit
• If you're involved in an emergency while you're overseas, you can enjoy peace of mind you can contact Allianz Global Assistance for help at any time – 7 days a week.
• Bupa health insurance members can score a 15% discount on their travel insurance.
• Bupa's COVID-19 coverage is limited in comparison with brands such as Fast Cover and Southern Cross Travel Insurance.
• Its cover limit of $10,000 for theft or damage to luggage and personal belongings is decent, but some competitors offer $15,000.

Review by our insurance editor James Martin

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Bupa travel insurance is underwritten by Allianz. Bupa offers quality travel insurance that can bring peace of mind that you can make the most of your trip, while knowing you'll receive financial support if things do go wrong.

All policies come with a basic excess . In most cases, you'll pay this when making a claim. You have the option to vary this excess – by committing to a higher sum, you could reduce the cost of your insurance. Keep in mind that an additional $500 excess applies to Bupa's Adventure Pack and Snow Pack.

With Bupa, you can choose between a single, couple and family policy. This provider offers a cooling-off period of 14 days – you can cancel your policy within 2 weeks for a full refund.

• Overseas emergency assistance – unlimited
• Overseas medical expenses – unlimited
• Accidental death – up to $25,000 (or $50,000 with a family plan)
• Permanent disability – up to $25,000 (or $50,000 with a family plan)
• Trip cancellation costs – chosen by you
• Additional expenses – up to $50,000 (or $100,000 with a family plan)
• Travel delay expenses – up to $2,000 (or $4,000 with a family plan)
• Personal liability – up to $5 million
• Luggage, personal effects and valuables – up to $10,000 (or $20,000 with a family plan)
• Alternative transport costs – up to $5,000 (or $10,000 with a family plan)
• Travel documents, bank cards and traveller's cheques – up to $5,000 (or $10,000 with a family plan)
• Rental Vehicle Excess – up to $6,000
• Luggage & personal effects delay expenses – up to $500 (or $1,000 with a family plan)
• Theft of cash – up to $250 (or $500 with a family plan)

Additionally, Bupa offers multi-trip cover, a domestic policy and an entry-level Essentials plan. Finally, you can opt for a non-medical plan – a basic policy that's good if you want some insurance but without cover for a pre-existing condition .

• Adventure Pack . Available to those under the age of 75, this optional cover includes insurance for activities including abseiling, deep sea fishing, caving, quad bike riding, outdoor rock climbing and motorcycles/mopeds.
• Cruise Pack . Get cover while you cruise overseas and in Australian waters. In addition to features such as unlimited medical cover and unlimited evacuation cover, you can claim up to $1,000 if you need to cancel (for an unforeseen reason) any pre-booked tours.
• Snow pack . Available to those under 75, the Snow Pack comes with a range of snow sports activities including skiing and snowboarding. Overseas emergency assistance is capped at $100,000.

• Travelling when you know you are unfit or against medical advice
• Going to a country where a 'Do not travel' alert has been issued by the Australian government
• Breaking the law
• Being under the influence of alcohol or ilicit drugs
• Death, illness or injury from an existing condition (unless it's specifically covered by your policy)
• Any consequential loss or loss of enjoyment
• A loss caused by or in connection with a criminal or dishonest act
• Failure to take precautions after a public warning of strike, riot, civil commotion or natural disaster
• Driving a rental vehicle in an illegal or dangerous manner.

Be sure to read Bupa's PDS for a full list of exclusions. Learn more about travel exclusions here .

• Range of options. Bupa offers high-quality cover with a wide range of options to meet your travel needs. But you may also opt for lower-priced cover that will come with fewer and/or lower benefit limits.
• 24/7 assistance. If the unexpected happens while you’re travelling overseas, emergency help is available 24 hours a day. If you have any difficulties while you are travelling, you can contact the Emergency Assistance Hotline and you will be able to speak with one of Bupa's trained staff. You can call Bupa on +61 7 3305 7497 (overseas) or 1800 119 412 (within Australia).
• Discounts for existing members. Bupa health insurance members can receive up to a 15% discount on their travel insurance premiums.

Am I covered for pre-existing conditions?

You can get cover for some pre-existing illnesses. However, according to Bupa's policy wording, you'd need to have "disclosed the condition to Allianz Global Assistance and they have agreed in writing to include cover under your policy for the condition".

Be aware, you won't be able to get cover for pre-existing conditions under Bupa's Essentials or Non-Medical Plans.

Is there a cooling-off period?

Yes. If you change your mind about a policy, Bupa offers a 14-day cooling off period, in which time you can cancel your insurance and get a full refund, so long as you haven’t begun your travels or made a claim. If you wish to cancel or change your policy outside of this period, you can apply to Bupa online or over the phone.

How long do I have to make a claim?

If you wish to make a claim, you typically must phone Bupa within 30 days of completing or cancelling your journey.

James Martin

James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).

More guides on Finder

Bupa is an international healthcare services provider that also offers insurance to cover car, home, life and travel.

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4 Responses

I have benign irregular heart beat. cardiologist letter says fit for travel. Which cover can I buy that covers this? John

Thanks for your inquiry.

There are brands that offer travel insurance to people with heart conditions . You can compare the costs and get more details about the cover by clicking on the “Get Quote” button. It is also best to contact your chosen insurer if you want to discuss more the level of cover.

Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

Hope this helps.

Cheers, May

Do you cover missed flights due to illness? and providing you a medical certificate for proof?

Hi Michelle,

Thanks for your question. finder.com.au is a comparison service and not an insurer. Bupa Travel Insurance do provide cover for cancellation and yes you will need to be able to provide them with substantiating evidence that a claimable event did happen.

I hope this was helpful, Richard

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Home > Travel Insurance > Bupa Travel Insurance Review

Bupa Travel Insurance Review

Learn more about Bupa’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Fact checked

One of the world’s leading providers of insurance, Bupa offers its almost 40 million global customers protection for their health, home, and travel arrangements. In Australia, the company has about 4.7 million customers and is underwritten by CGU Insurance.

Savvy can help you compare Bupa's plans with those of other insurers in the market so you can find the best travel insurance for your next trip. You'll be able to compare everything from benefit caps to deductibles to coverage details.

Find out more about their services here before getting a quote with us today.

*Please note that Savvy does not represent Bupa for its travel insurance products.

More about Bupa travel insurance

What travel insurance policies does bupa offer.

Bupa offers four travel insurance policies, which include:

• Overseas Comprehensive: this comprehensive travel insurance policy covers you for overseas medical expenses, urgent dental work, loss of luggage and personal liability. You’re also insured against unexpectedly needing to cancel your global holiday, as long as your reason for doing so is among those covered.
• Overseas Essentials: this streamlined policy provides you with coverage for the basics including overseas dental and hospital treatment, personal liability, cancellation, and personal liability. The key difference with this policy compared to the comprehensive option is the claim limits are considerably lower.
• Domestic: Bupa offers a domestic travel insurance policy which provides you with cover for your luggage and personal items, trip delays or unexpected delays and personal liability. You may also be covered for the excess on a rental car. This domestic travel insurance is also open to seniors.
• Annual Multi-Trip Insurance: this multi-trip policy is tailored to those taking several holidays across the year. Bupa allows you to take an unlimited number of journeys over 12 months, but they individually can’t exceed 45 days. The benefits are the same as the comprehensive or domestic travel insurance policies.

However, no matter if you’re taking a holiday to the UK or just touring Australia, it’s a good idea to compare with Savvy so you can find the best travel insurance for your holiday.

What optional extras are available through Bupa?

Bupa, like many other travel insurance companies, provides optional extras for both international and domestic getaways. These include:

• Skiing and snowboarding: taking a European holiday to carve up the slopes? Bupa requires you to take out extra coverage for an additional premium so you’re covered for a range of winter sports , including skiing, snowboarding, tobogganing or tubing. This add-on covers you for emergency assistance, damage to your equipment and costs of hiring equipment.
• Adventure: deep sea fishing, caving, quad bike riding, outdoor rock climbing and motorcycles/mopeds are all covered under this extra coverage, which is available to anyone under the age of 75.
• Cruises: if you’re booked to take an international or domestic cruise, you’ll need to purchase additional coverage if you’re going with Bupa. This cover protects you from medical costs onboard the ship, ship-to-shore evacuation, cabin confinement and cancellations.
• Valuables: this optional extra allows you to increase the cover limit or expensive items you’re going to take on holiday with you. These can include cameras, camera equipment, jewellery, camping equipment or sunglasses.

What exclusions should I be aware of when buying travel insurance through Bupa?

It’s important to remember that even the most comprehensive policy draws a line at coverage in some unforeseen circumstances. As such, Bupa has a range of exclusions, including:

• Flying on a privately-chartered plane
• Taking part in a competitive sport
• Treatment for an unapproved pre-existing medical condition
• Elective surgeries
• Accidents caused by intentionally putting yourself at risk
• Knowingly travelling to a dangerous location
• Any incident that occurs while you’re driving solo
• Travelling against medical advice

If you’ve found a policy that catches your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of Bupa travel insurance

What we like, flexible cancellation limits.

As is the case with some big-name insurers, you’re able to set your own cancellation limit on your travel insurance policy.

Discounts for health insurance members

By entering your Bupa membership number when you purchase a travel insurance policy, you can receive a 15% discount.

24/7 support

You can rest easy knowing that Bupa is available around the clock, seven days a week, should you ever find yourself in a bind when travelling abroad.

What we don't like

Pay extra for cruise cover.

Whether you’re cruising in Australian waters or setting sail around the UK, you will need to pay extra for cruise cover. Many big-name insurers offer this coverage automatically.

Modest travel delay coverage

Bupa offers a coverage limit of about $2,000 if your mode of transport is delayed. However, these limits are lower than some of their competitors.

Tough pre-existing condition requirements

Bupa's travel insurance plans automatically cover specific forms of diabetes and asthma. Still, if you have a more serious illness, like a heart problem, you need to see a doctor and get a medical assessment to be covered.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about Bupa travel insurance

Yes – depending on the policy you choose, Bupa may allow you to get a full or partial refund if your travel plans are derailed because of a positive COVID-19 diagnosis , resulting in having to quarantine or accruing overseas medical expenses. In some cases, you may be covered if your travel plans are impacted by government-enforced border closures.

If something goes wrong while you’re on holiday, you can make a claim 24/7 through Bupa’s website. This involves completing an online claim form and providing ample detail about the incident and evidence through medical or police reports and receipts. Once you’ve filed your claim, Bupa’s website states it can take up to ten days for claims to be processed. They also advise that you must submit a claim within 30 days of the incident you’re claiming.

The cost of travel insurance premiums vary from one person to the next based on several factors, including:

• Your date of birth
• Your chosen destination
• The level of coverage you buy
• Any optional extras you need
• Pre-existing medical conditions you need to disclose
• The policy excess you choose
• The type of insurer and insurance policy you buy

You may take many trips within a year with yearly multi-trip travel insurance (often up to 60 travel days per trip), but you can only take one trip out and back with a single-trip policy. A one-way travel insurance coverage covers you for the duration of your trip, up to a year, but only if you are taking a single flight without a return date set in stone. Coverage may often be extended for another year.

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Celebrating 25 years of supporting the globally mobile, global telemd tm a simple way for our members to get remote access to care, anywhere in the world., geoblue. trusted provider of health insurance coverage and technology-smart solutions that help world travelers stay safe and healthy wherever they roam., when your company is globally mobile, geoblue solutions keep world-class healthcare at hand., geoblue provides the healthcare protection you need to make the world your classroom., when you travel, work or live outside the u.s., geoblue keeps you connected to world-class care., geoblue has an elite network of doctors from almost every specialty ready to meet with members in over 180 countries. allow us to introduce a few.

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iTravel Medical

International travel insurance, customer service.

in the US & Canada

+855 884-9655

When you and your family travel overseas outside your home country, all you expect is a great trip, but anything can happen in today's dangerous and unpredictable world.

iTravelMedical.com / The INTERNATIONAL TRAVEL MEDICAL advisors provide the best IHI BUPA Travel Medical Insurance that is designed to protect International Travelers, including Executives Frequent Flyers, Government Officials, Students, Professors, Vacationers and Families traveling outside their home countries.

You can purchase your IHI BUPA International Travel Medical insurance policy online (Annual for Frequent Flyers or per Single Trip Coverage for Vacationers) by clicking the Banner below, or you can send us an Email and one of our Representatives will gladly help you.

Take out Single Trip

USD 70 / 5 Days

If you travel for one defined period, you only pay for the number of days you are away up to 12 months.

Take out Annual Travel

USD 185 / Year

If you travel more than once a year, this plan covers multiple trips of up to one month per trip.

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Bupa Global 2024

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Secure your health with comprehensive insurance plans from Nivabupa

Tell us a bit about you

Why Should You Buy Multi-trip Travel Insurance?

Did the pandemic confine you to your home? Well, now that things are gradually getting back to normal, you might see a lot of people onboarding flights and travelling to a new destination. It can be due to work, education, vacation, or a short visit to your relative.

In the process of booking your accommodation, flights, and getting everything ready, don’t miss out on one important aspect, i.e., travel insurance. You must be wondering about the  relevance of travel insurance . If this is true, you’re on the right page. Travel insurance is needed because it protects and covers unexpected circumstances, which might lead to huge monetary expenses.

How Does Travel Insurance Work?

Travel insurance  acts like your family and provides monetary benefits in case of a mishap. If you have ever travelled by train, you may have encountered the option of taking travel insurance for just INR 0.35 (available by booking through the IRCTC website). The insurance gives covers up to INR 10,00,000 in case of a calamity/ tragedy faced during the journey.

In the same way, a travel insurance plan looks at the bigger picture and provides a cover for different elements. The plan may vary from one company to another and avail different benefits altogether.

Common Feature

One common aspect you may encounter in most plans provided by insurance agents/ companies is medical compensation if there’s an emergency. Hospital expenses can be quite expensive, and without travel insurance, you may end up spending all your savings on this part of the trip.

You don’t want that, right? If you are on a trip, there’s always a need for cost-cutting and availing of maximum pleasure. The role of travel insurance comes in place when you don’t want to add on those extra expenses. It pays for your  hospitalisation expenses and loss of passport or baggage.

What are the Stand-Out Benefits of a Travel Insurance Plan?

Cover loss due to sudden cancellations.

If you suddenly decide to drop the plan due to an emergency, don’t worry; the travel insurance has your back. It will cover all financial loss incurred due to the cancellation of the trip at the eleventh hour.

Cover Loss of Baggage

As mentioned above, it also covers the delay or loss of accompanying checked-in baggage. These features make your trip hassle-free and enable you to travel without worrying about trivial matters.

Cover Maternity and Pre-existing Medical Conditions

Dental expenses are also inclusive of the insurance provided. You may get monetary help if you travel with someone with a pre-existing medical problem. So, there’s no doubt that travel insurance, just like  health insurance , has many benefits .

Which Travel Insurance Plan Should You Choose?

Ideally, from  Niva Bupa works best because you might not be certain about your next trip. Irrespective of the date, this travel insurance plan helps throughout the year for your voyage to a particular place, unlike trip-basis travel insurance, which helps only in case of a monetary loss related to a specific planned trip.

It’s better to plan from a long-term perspective if you are a travel junkie or a person who has to travel for work-related commitments. Just like your passport and visa, keep this annual travel insurance plan handy to avoid any prospect of a tragedy.

NivaBupa’s  Travel Insurance starts from INR 345/year, and it provides cover against COVID-19, which goes up to USD 2,50,000, and for pre-existing diseases, the maximum coverage provided is USD 2,500. It’s quite affordable and offers a diverse range of benefits.

Things to Keep in Mind Before Buying Travel Insurance

A comprehensive package.

The foremost thing while purchasing travel insurance should be thoroughly reading the plan. It should cover most of the losses incurred in your journey, like COVID-19, loss of baggage, medical emergencies, etc.

Provide the Necessary Details at the Initial Stage

You shouldn’t ignore this part as it will form the basis of your plan. If you are traveling with a person diagnosed with a pre-existing medical condition, inform the provider at the initial stage. This would help you cover monetary charges for the same. 

Claims Process

The  claim settlement process can get on your nerves if you don’t opt for the right insurance company. End your journey smoothly by ensuring a hassle-free claim settlement. This can be done by having a word with the travel insurance provider.

You can always enquire by reaching out to our customer support and then choose a travel insurance plan accordingly.

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Travel Insurance

Our goal is to give you peace of mind by offering you, your family and/or your employees coverage at any time or wherever you travel , as well as high quality service, access to adequate treatment and a safe return to your home for you, your family or your employees whenever this is needed.

• WORLDWIDE INDIVIDUAL
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Choose between Annual Travel , which covers all trips of up to one month per trip, or Single Trip , which covers a trip of up to a maximum of 12 months.

With Worldwide Travel Options we offer a solution that lets you personalize your travel insurance policy , giving you flexibility and total peace of mind.

YOU WILL HAVE ACCESS TO:

• 24/7 in-house emergency service
• In-house doctors and nurses
• Guarantee of payment to hospitals
• Assistance in arranging medical evacuations
• Pre-authorization
• Medical advice in-house
• Counselling on treatment
• Medical referrals to most appropiate place of treatment
• Claiming Online
• Free myCard app for iPhone, iPad and Android

SOME UNIQUE ADVANTAGES:

• Worldwide coverage (except in your country of residence)
• Free choice of hospitals and doctors
• No deductible or co-payment on Basic Cover
• Most dangerous sports and occupations covered
• Risk and war zone cover
• Optional coverage for baggage, liability and trip cancellation
• All nationalities covered
• Global risk and security monitor
• Easy to extend online even after start of trip
• 5% online discount here

The premium is based on the total number of travel days per year, which guarantees that you only pay for the days on which insured individuals are actually abroad .

A minimum number of 200 travel days a year for all employees together is required.

Keep in mind that if you need to add more travel days during a coverage period of your insurance, it is easy to buy additional travel days.

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International Citizens Insurance (ICI) introduces prospects to Bupa Global (BG). ICI do not carry out any activities on behalf of BG other than displaying marketing material provided by BG and collecting your basic data and information to be passed on. ICI will not carry out any other activities on your behalf beyond those necessary for the initial introduction. BG contact eligible individuals in the UK and EEA to discuss your needs, and to carry out all activity prior to and after any insurance contract is concluded.

Global Health Plans for Expats Residing in the UK, EEA, and Monaco

Our tiered range of Global Health Plans allow you to choose the level of cover that best suits your needs. We provide premium international coverage with a range of exceptional products and services, giving you direct access to world-leading specialists and medical providers, at home or abroad.

Ready to choose your plan?

Bupa Global's specialists will guide you through a personalized quote.

What Makes Bupa Global Different?

Reinvest in health.

Your health is at the heart of everything we do. To maintain this focus, we continue to remain free of shareholders, reinvesting profits back into our business. It fuels our drive to improve our services to you and offer access to first class care.

Multilingual Advisers

When it comes to healthcare advice, we know that speaking to someone in your own language is more than reassuring. It's key. For this reason, our team of advisers are able to offer telephone assistance in multiple languages any time of the day or night.

Pre-Existing Conditions

We don't believe past health issues should stop you from enjoying your future. That's why, when you join our global health plans, many pre-existing conditions could be covered, subject to underwriting.

The Value of a Second Medical Opinion

The Second Medical Opinion service is available for all our Bupa Global customers when making a medical decision for a serious, complex, or chronic condition, or if you have unanswered questions and you need some reassurance.

Global Access in Your Hands

The Global Virtual Care service, available through the MembersWorld app, provides you with access to a global network of doctors, offering medical guidance and consultations, plus same day virtual appointments – available any time of the day or night.

Financial Reassurance

Health insurance isn't just about your health. It's also about not worrying about unexpected costs. With us by your side, you can simply focus on enjoying life.

Supporting Mental Health

At Bupa Global, we believe that mental health and wellbeing are just as important as physical health. To support this, both annual and monetary limits across our plans for in-patient and day-patient mental health treatment are the same as for physical health treatment.

Access Your Account Online

You can access our exclusive and secure website and mobile app, MembersWorld, whenever you need to. With it, you can submit and track the progress of claims, submit pre-authorization requests, and get access to your membership card and insurance documents.

In this document, Bupa Global is a trading name of the insurer Bupa Insurance Limited (BINS) and insurance intermediary Bupa Insurance Services Limited (BISL), in addition to the insurer Bupa Global Designated Activity Company (Bupa Global DAC).

BINS is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Arranged and administered by BISL, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.

Bupa Global DAC is a designated activity company limited by shares registered in Ireland under company number 623889. Registered office: Second Floor, 10 Pembroke Place, Ballsbridge, Dublin 4. Bupa Global DAC is regulated by the Central Bank of Ireland.

Global Virtual Care and Second Medical Opinion are not regulated by the Financial Conduct Authority, the Prudential Regulation Authority or by the Central Bank of Ireland.

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• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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