Bupa Single Trip Policy Summary

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<p>BUPA. HELPING YOU FIND HEALTHY
POLICY
SUMMARY
BUPA TRAVEL INSURANCE
Effective from XXXX  
bupa.co.uk
POLICY
SUMMARY
SINGLE TRIP TRAVEL INSURANCE
1
Insurance provider
The insurance is provided by Bupa Insurance Services Limited 
and underwritten by AIG Europe Limited.
Purpose of the insurance
The purpose of the travel insurance policy is to provide cover for 
losses arising as a result of speciﬁ ed events that occur before or 
during a trip, including: emergency medical expenses, theft or 
loss of baggage and cancellation. Please read the policy 
wording for a full description of the terms of the insurance, 
including the policy deﬁ nitions and refer to the policy for the 
speciﬁ c policy beneﬁ ts, sums insured and exclusions. This policy 
summary does not form part of the policy wording and does 
not contain the full terms of the policy. The full terms of the 
policy can be found in the policy wording.
The cover provided is subject to certain limits and excesses, 
as set out in the Table of beneﬁ ts (see pages 1 to 4 of this 
document).
Significant features, conditions and exclusions
The cover provided is subject to certain terms, conditions and 
exclusions. The following tables summarise the main features 
and beneﬁ ts of the cover and the signiﬁ cant terms, conditions 
and exclusions that apply. To ensure the policy is suitable for 
you, you are advised to read the Policy Wording which sets 
out all of the features, conditions and exclusions.
TRAVE L  IN SURANCE POL ICY  SUMMARY
Signiﬁ cant features
Conditions and exclusions
Policy Wording reference
Medical and other expenses 
outside of the United Kingdom
The following limits and 
excesses apply per person, per 
incident:
Essentials cover: 
Up to £5,000,000 
(£200 excess)
Deluxe cover:
Up to £10,000,000 
(£75 excess)
Superior cover:
Up to £15,000,000 
(£60 excess)
Platinum cover:
Up to £20,000,000 
(£50 excess)
The cover provided includes:
 
o
emergency medical, surgical and hospital 
treatment and ambulance costs;
 
o
additional accommodation and travel expenses 
if you cannot return to the United Kingdom as 
scheduled; and
 o
repatriation to the United Kingdom if it is 
medically necessary.
Signiﬁ cant conditions:
 
o
If you need inpatient medical treatment, you 
must contact the Medical Emergency Assistance 
Company, Travel Guard, immediately on phone 
number +44 (0) 1273 400 610; and
 o Additional accommodation and travel expenses 
and repatriation costs must be approved in 
advance by Travel Guard.
Signiﬁ cant exclusions:
 
o Cover is not provided if:
-  the claim relates to any heart condition, any 
circulatory condition, any respiratory condition 
or any cancerous condition which you knew 
about when you bought the policy unless the 
condition has been declared to us and agreed 
by us in writing;
-  the claim relates to you having a medical 
condition for which you are taking prescribed 
medication or you have seen a hospital 
specialist or needed inpatient treatment within 
the last 12 months unless the condition has 
been declared to us and agreed by us in writing 
when you bought the policy;
-  you are travelling against medical advice or with 
the intention of receiving medical treatment;
Page 24, Section B1
Page 18, 
‘Medical and other 
emergencies’
Pages 14 and 15, 
‘Health conditions’
Pages 21 and 22, 
General exclusions, 
numbers 1 and 23.
2
T RAVE L  IN SURANCE POL ICY  SUMMARY
Signiﬁ cant features
Conditions and exclusions
Policy Wording reference
-  you are receiving or waiting for hospital 
investigation or treatment for any undiagnosed 
condition or set of symptoms when you buy 
the policy and/or at the time of commencing 
travel or you have been given a terminal 
prognosis; or
-  the claim relates to pregnancy or childbirth if 
you are more than 26 weeks pregnant at the 
start of or during your trip.
Cancelling your trip and 
Cutting your trip short
(By paying a reduced 
premium, cover under section 
A - Cancelling your trip can be 
deleted)
The following limits and excesses 
apply per person, per trip:
Essentials cover: 
Up to £2,000 (£100 excess)
Deluxe cover: 
Up to £3,000 (£75 excess)
Superior cover: 
Up to £4,000 (£60 excess)
Platinum cover: 
Up to £6,000 (£50 excess)
Cover is provided for loss of travel and 
accommodation expenses you have paid or have 
agreed to pay under contract, and which you cannot 
get back, if it is necessary and unavoidable for you 
to cancel or cut your trip short for speciﬁ ed reasons, 
including:
 
o
you dying, becoming seriously ill or being injured; 
and
 o
the death, injury or serious illness of a relative, 
business associate or a person with whom you 
have booked to travel, or a relative or friend with 
whom you plan to stay during your trip.
Signiﬁ cant conditions:
If it is necessary for you to cut your trip short and 
return to the United Kingdom, you must contact 
Travel Guard immediately.
Signiﬁ cant exclusions:
 
o Cover is not provided if:
-  the reason for cancellation or cutting your trip 
short relates to a medical condition or illness 
which you knew about when you purchased the 
policy and which could reasonably be expected 
to lead to a claim unless declared to us and 
agreed by us in writing.
Pages 23, 25 and 26, 
Sections A and C
Page 18,
‘Medical and other 
emergencies’
Pages 14 and 15, 
‘Health conditions’
Page 21, 
General exclusions, 
number 1.
3
Signiﬁ cant features
Conditions and exclusions
Policy Wording reference
Personal belongings and 
baggage
(By paying a reduced 
premium, cover under this 
section can be deleted)
The following limits and 
excesses apply per person, 
per incident (please see the 
Table of Beneﬁ ts for the limit 
for any one item/pair or set 
of items and for valuables and 
electronic/other equipment):
Essentials cover:
Up to £1,500 
(£100 excess)
Deluxe cover:
Up to £1,500 
(£75 excess)
Superior cover:
Up to £2,000 
(£60 excess)
Platinum cover:
Up to £3,000 
(£50 excess)
Cover is provided for loss, theft or damage to 
personal belongings and baggage owned by you 
(not borrowed or rented) during your trip.
Signiﬁ cant conditions: 
 
o
In the event of a claim an allowance may be 
made in respect of wear and tear and loss of 
value; and
 o
In the event of a claim you must provide receipts 
or other proof of ownership wherever possible 
for the items being claimed.
Signiﬁ cant exclusions:
 
o Cover is not provided if:
-  you do not report the loss or theft of 
belongings or baggage to the police within 24 
hours of discovery and do not obtain a written 
police report;
-  you leave your belongings or baggage 
unattended in a public place;
-  the loss, theft or damage occurs whilst your 
belongings or baggage are in the custody of 
the airline or transport company unless you 
report this to the carrier within 24 hours of 
discovery and get a written report (a property 
irregularity report will be required if the loss, 
theft or damage takes place whilst in the care 
of an airline); or
-  the loss, theft or damage to valuables and 
electronic/other equipment occurs whilst not 
being carried in your hand luggage while you 
are travelling on public transport or on an 
aircraft.
-  the loss, theft or damage to contact or corneal 
lenses, sunglasses, prescription glasses or 
spectacles, dentures, hearing aids, artiﬁ cial 
limbs, paintings, household equipment, mobile 
phones, bicycles and their accessories, motor 
vehicles and their accessories (this would 
include keys), marine craft and equipment or 
items of a perishable nature.
Pages 28 and 29,
Section F1
Page 20, General 
deﬁ nitions ‘Pair or set 
of items’
Page 20, General 
deﬁ nitions ‘Valuables 
and electronic/other 
equipment’
4
T RAVE L  IN SURANCE POL ICY  SUMMARY
Signiﬁ cant features
Conditions and exclusions
Policy Wording reference
Personal money
(By paying a reduced 
premium, cover under this 
section can be deleted)
The following limits and 
excesses apply per person, 
per incident (please see the 
Table of Beneﬁ ts for cash limits 
for persons 17 years of age or 
under):
Essentials cover:
Up to £200 
(£125 cash limit, £100 excess)
Deluxe cover:
Up to £500 
(£200 cash limit, £75 excess)
Superior cover:
Up to £500 
(£250 cash limit, £60 excess)
Platinum cover:
Up to £500 
(£350 cash limit, £50 excess)
Cover is provided for cash and traveller’s cheques 
lost or stolen during your trip.
Signiﬁ cant conditions: 
 
o
In the event of a claim, you must be able to 
provide evidence of ownership and value (for 
example, receipts, bank statements or cash-
withdrawal slips).
Signiﬁ cant exclusions:
 
o Cover is not provided if:
-  you do not report the loss or theft of personal 
money to the police within 24 hours of 
discovery and do not obtain a written police 
report; or
-  if, at the time of loss or theft, the personal 
money was not carried with you or held in a 
locked safety deposit facility.
Page 28 Section F3
5
Limitations
Policy Wording reference
Geographical areas
The geographical area which you are entitled to 
travel to is shown on your policy schedule. No 
cover is provided under the policy for any trip in, 
to or through Afghanistan, Cuba, Liberia or Sudan. 
No cover is provided for claims arising as a direct 
result of the situation highlighted by the Foreign 
and Commonwealth Ofﬁ ce (FCO) where you have 
travelled to a speciﬁ c country or to an area where, 
prior to your trip commencing, the FCO have 
advised against all (but essential) travel.
Page 17, ‘Geographical 
areas’ and Pages 21 and 
22, General exclusions, 
numbers 4 and 13
Age limits
To be eligible for cover all persons must be 89 years 
of age or under at the date of buying the policy. The 
person buying the policy must be 18 years of age or 
over at the date of purchase.
Page 16, ‘Age limits’
Residency
You and all other insured persons must have your 
main home in the UK, have a UK National Insurance 
number (when aged 16 or over) and be registered 
with a doctor in the UK at the time you buy or renew 
your policy. Residents of the Isle of Man must have 
their main home in the Isle of Man and be registered 
with a local doctor. We do not provide cover to 
residents of the Channel Islands.
Page 15, ‘Residency’
Sports and activities
You must contact Bupa Travel Insurance Customer 
Services by phoning 0845 601 0559 or by e-mailing 
info@bupa-travel.co.uk if you are planning to 
participate in a sport or activity during your trip. 
Please note that if using a two-wheeled motor 
vehicle as a driver or passenger you must wear a 
crash helmet and the driver must hold a licence 
permitting them to drive the two-wheeled motor 
vehicle under the laws of the country in which they 
are travelling (if such a licence is required under the 
laws of that country).
Pages 15 and 41, 
‘Sports and activities’ 
and Page 22, General 
exclusions, number 10
Upgrades
By paying an additional premium you are entitled to 
upgrade your policy to include Winter Sports Cover, 
Golf Cover, Business Cover, Wedding Cover, Natural 
Catastrophe Travel Cancellation and Expenses 
Cover or an Excess Waiver. Please call Bupa Travel 
Insurance Customer Services on 0845 601 0559 for 
further details.
Page 17, ‘Upgrades’ 
and Pages 34 to 40, 
Sections N to X
Law and jurisdiction
The policy will be governed by English law and you 
and we agree to submit to the courts of England 
and Wales to determine any dispute arising under or 
in connection with it, unless you reside in Scotland, 
Northern Ireland or the Isle of Man, in which case the 
law applicable to that jurisdiction will apply and its 
courts will have exclusive jurisdiction, unless agreed 
to the contrary by the policyholder and us before 
the start date of the policy. The terms and conditions 
of the policy will only be available in English and all 
communication relating to the policy will be in English.
Page 12, 'Law and 
jurisdiction'
6
T RAVE L  IN SURANCE POL ICY  SUMMARY
Period of insurance
Cover for cancellation starts at the time you book the 
trip or pay the premium, whichever is the later. Cover for 
cancellation ends as soon as you start your trip.
Cover under all other sections starts when you leave your 
home address in the United Kingdom (but not earlier than 
24 hours before the booked departure time) or from the 
ﬁ rst day of the period of cover as shown on your policy 
schedule, whichever is the later.
Cover ends when you return to your home address in the 
United Kingdom (but not later than 24 hours after your return 
to the United Kingdom) or at the end of the period of cover as 
shown on your policy schedule, whichever is the earlier. 
If you have arranged a One-Way policy, cover ends 24 hours 
after you ﬁ rst leave immigration control in your ﬁ nal country 
of destination or at the end of the period of cover as shown 
on your policy schedule, whichever is the earlier.
Cover cannot start after you have left the United Kingdom.
Unless you have bought a One-Way policy, each trip must 
begin and end in the United Kingdom.
You must be 89 years of age or under at the date of buying 
the policy.
If you are between 66 and 89 years of age, travel is 
restricted to 31 days. The start and end dates of your trip are 
set out on your policy schedule.
‘Cooling-off’ period and your right to cancel your policy
If the cover is not suitable for you and you want to cancel 
your policy, you must contact Bupa Travel Insurance within 
14 days of buying your policy or the date you receive your 
policy documents. In line with the conditions below we will 
refund the premium you have paid within 30 days of the date 
you contact Bupa Travel Insurance to ask to cancel the policy.
We will not refund your premium if you have travelled or 
made a claim before you asked to cancel the policy within 
the 14-day period.
To obtain a refund, please phone 0845 601 0559, email 
info@bupa-travel.co.uk or write to Bupa Travel Insurance 
Customer Services Department, Shoreham Airport, 
Shoreham by Sea, West Sussex BN43 5FF.
Claim notification
You can make a claim for all sections apart from sections M1 
and M2 by contacting:
Bupa Travel Insurance Claims, PO Box 60108, 
London SW20 8US.
Phone: 0845 602 7067
Fax: 01273 376 935
E-mail: uk.claims@travelguard.com
You can make a claim under section M1 and M2 by contacting:
IPP Claims Ofﬁ ce, IPP House, 22-26 Station Road, West 
Wickham, Kent BR4 0PR.
Phone: 020 8776 3752
E-mail: info@ipplondon.co.uk
Website: www.ipplondon.co.uk (a claim form may be 
downloaded from this site)
7
Your right to complain
We are committed to providing a ﬁ rst class service at all 
times, however, we recognise that occasionally you may be 
unhappy with some aspect of this service. If you are not 
satisﬁ ed with the service you have received, you or someone 
on your behalf should contact one of the following.
If your complaint is about a claim under all sections apart 
from sections M1 and M2, please contact:
The Customer Care Manager, Bupa Travel Insurance Claims, 
Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF.
Phone: 0845 602 7067
E-mail: uk.claims@travelguard.com
If your complaint is about a claim under section M1 and M2, 
please contact:
The Claims Manager, IPP Claims Ofﬁ ce, IPP House 22-26 
Station Road, West Wickham, Kent BR4 0PR.
Phone: 020 8776 3752
E-mail: info@ipplondon.co.uk
If your complaint is not about a claim, please contact:
The Sales and Service Manager, Bupa Travel Insurance, 
Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF.
Phone: 0845 601 0559
E-mail: info@bupa-travel.co.uk
To help us to deal with your comments quickly, please quote 
your policy schedule/claim number and the policyholder/
insured person’s name.
We will acknowledge the complaint within 5 business days 
of receiving it, keeping you informed of progress and do our 
best to resolve matters to your satisfaction within 8 weeks. 
If we are not able to resolve the complaint satisfactorily, 
you or the complainant may be entitled to refer any 
disagreement to the Financial Ombudsman Service (FOS) to 
review the case, without affecting legal rights to take action 
against us. We will provide full details of how to do this 
when we provide our ﬁ nal response letter addressing the 
issues raised.
Please note: The FOS will not consider a complaint if you 
have not provided us with the opportunity to resolve it 
previously.
The address and contact details are:
The Financial Ombudsman Service, South Quay Plaza, 183 
Marsh Wall, London E14 9SR.
Phone: 0800 0 234 567
 
 (free for people phoning from a “ﬁ xed line”, i.e. a 
landline at home)
 
0300 123 9 123
 
 (free for mobile phone users who pay a monthly 
charge for calls to numbers starting 01 or 02)
E-mail: complaint.info@ﬁ nancial-ombudsman.org.uk
Are we covered by the Financial Services Compensation 
Scheme (FSCS)?
AIG Europe Limited are covered by the Financial Services 
Compensation Scheme (FSCS). If we are unable to meet our 
ﬁ nancial obligations you may be entitled to compensation 
from the scheme. Further information about compensation 
scheme arrangements is available from the FSCS. Please see 
the policy wording for further details.
travel.bupa.co.uk
AHT0535B/OCT13
Bupa Travel Insurance is sold 
by Bupa Insurance Services 
Limited and underwritten by AIG 
Europe Limited. Bupa Insurance 
Services Limited is authorised 
and regulated by the Financial 
Conduct Authority (FCA number 
312526). AIG Europe Limited 
is authorised by the Prudential 
Regulation Authority and regulated 
by the Financial Conduct Authority 
(FCA number 202628)and the 
Prudential Regulation Authority. 
This information can be checked 
by visiting the Financial Conduct 
Authority website (www.fca.org.uk).
</p>