Question: Is pre-existing medical conditions covered on this plan?
- Answer 1: No maintenance of a pre-existing medical condition is covered at anytime while on this travel insurance policy.
- Answer 2: We can possibly have acute pre-existing medical conditions covered. To see if this is an option we will need you to fill out a one page form. Please call one of our agents at 480.633.9500 or email us at for this. If accepted, BUPA will cover acute care and we will need you to fill out the BUPA short term travel insurance application.
- Answer 3: The pre-existing medical one page form will need to be filled out each time you are going on your trip.
Question: Where will this BUPA short term travel insurance plan cover me?
- Answer: This travel insurance plan will cover you anywhere in around the world minus your country of residence from 1 day up to a maximum of a year.
Question: Will I be covered outside my country of citizenship or my country of residence?
- Answer: You will be covered outside the country you are residing. For example:
- If you are a German. citizen but residing in India you will be covered throughout the world including the U.S. minus India.
- If you are an Australian citizen residing in South Africa you will be covered throughout the world including the U.S, Australia, the rest of the world minus South Africa.
- If you are an Indonesian citizen residing in Indonesia you will be covered throughout the world minus Indonesia.
- U.S. residents and Canadian residents are not eligible to purchase this plan, however it covers non-U.S. residents and non-Canadian residents in both the USA and Canada.
Question: If I have a U.S. health insurance policy that will cover me overseas (U.S. domestic insurance policies do not cover for medical evacuation, return of mortal remains, as well as trip cancellation benefits. Not all U.S. domestic insurance plans cover your medical needs overseas.) but it has a high deductible do I have to pay my deductible before BUPA short term medical and evacuation overseas insurance will cover me?
- Answer: No. BUPA is secondary insurance but will handle the claim first. How this works is you file a claim with them, and give them the information of any other policy that may cover the claim. BUPA will then handle the claim as if there are no other policies covering the incident.
After the claim has been settled, BUPA will contact the other companies, where applicable, to get your U.S. domestic insurance policy to pay what they would have covered. It is possible that this may mean that BUPA could end up paying only your deductible with your primary company. Basically, after your claim with BUPA has been accepted they will handle how the payment will be divided.