Policy summary of Bupa Direct TravelCover

1. What is this policy summary?

This is a summary of the key information about Bupa Direct TravelCover. You should read this carefully and keep it in a safe
place afterwards. Please note that it does not contain the full terms and conditions and exclusions of cover which you will find
in the policy wording document. A copy is available on request.

2. Who is providing this insurance policy?

Bupa Direct TravelCover is provided by Bupa Insurance Limited, a subsidiary of The British United Provident Association Limited.
Other services are provided by or via other subsidiary companies.

3. What type of insurance policy is this?

This is a travel policy that, subject to the terms, conditions and exclusions contained in the policy wording document, will meet
certain costs that might arise during the course of your travels.
4. What are the significant features and benefits of this policy?
Certain sections of your scheme carry a standard excess or benefit limit, which is applicable per person per claim, unless
otherwise stated. These are set out in the table below. If you have paid the appropriate premium to either increase or waive a
benefit or excess, this will be set out on your policy schedule.
Please refer to your policy schedule for confirmation of your personal excess and benefit limits.

Benefits Significant or unusual exclusions Excess Essential Premier Gold Policy wording
or limitations reference

Assistance cover
Pre travel assistance
• Excludes costs incurred in obtaining
Advice on visa and vaccination
requirements, motoring the appropriate visa, inoculation or Nil ✓ ✓ ✓ Section 1
regulations and restrictions, time vaccination.
zones and bank opening hours.
Personal assistance
Such as transfer of emergency • Provides assistance when you are
funds using your debit or outside the UK. Nil £500 £500 £1,000
credit card, assistance to • Excluding the cost of any items transfer transfer transfer
replace essential drugs and/or unless they are insured under
prescription glasses which another section of the policy.
have been lost.

Medical emergency and other
related expenses
If during the trip you suffer an
accidental bodily injury, illness or
die we will make arrangements
with the hospital regarding
treatment.
Hospital daily benefit
Hospital benefit payable for a
hospital in-patient stay.
• In the event of claims over £500 you
must contact Bupa Travel Assistance
immediately on +44 (0) 20 8763
£50 Unlimited Unlimited Unlimited Section 2
3115 or cover may be declined.
• Emergency dental treatment limited
to £1,000.
• Excludes any claims in respect of:
- any accommodation costs other
than the cost of a room
- treatment for cosmetic reasons
- any pre-existing medical condition
unless disclosed to and accepted
by us
- costs incurred in the UK.
• Treatment in a private hospital or
ward unless agreed by us including
the cost of a private room.
• We must accept your claim for
medical expenses under Section 2 –
Nil £600 £600 £1,000 Section 3
Medical emergency and other related (£15 per (£15 per (£25 per
expenses above. day) day) day)

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4. What are the significant features and benefits of this policy? (continued)

Benefits Significant or unusual exclusions Excess Essential Premier Gold Policy wording
or limitations reference

Emergency return home

Travelling costs to return you
home immediately following the
death, serious illness or accident
of a close relative or accidental
damage to your home, and the
cost to return you to the resort
afterwards.
• Excluding claims: Nil ✓ ✓ ✓ Section 4
- resulting from your close relative
having a pre-existing medical condition
- costs where we have not arranged
the transportation
- air travel costs above
economy/tourist class.

Legal protection
Legal expenses to pursue
compensation or damages from
a third party as a result of
death or injury resulting from
an accident occurring during
the trip.
Legal guidance and assistance
line available from the start of
your trip until 7 days after the
completion of your trip.
• We will appoint and control the legal Nil £25,000 £25,000 £25,000 Section 5
representative if the incident occurs
outside the EU.
• Excluding claims:
- made against the insurer, us or
FirstAssist
- prior to us agreeing in writing to
support your claim
- where there is no prospect of success
in obtaining a reasonable outcome
- not reported within 90 days of the
incident
- where you are injured or die as a
result of taking part in hazardous
activities or sports.

Personal accident
Cover for permanent total
disablement, loss of life, limb
or sight that occurs during the
trip following an accidental
bodily injury.
• Death benefit limited to £15,000. Nil £30,000 £30,000 £30,000 Section 6
• Reduced benefits for under 18's and
over 69's.
• Excluding claims related directly or
indirectly from disease, physical
defect, infirmity or illness which
existed before the start of the trip.

Cancellation or cutting
short the trip
If you have to cancel or cut
short your trip as a result
of accidental bodily injury or
illness, death of a close relative
and/or close business colleague
and/or travelling companion
living in your country of
residence or your redundancy
or cancel after a
12 hour delay.
• Cover does not apply if you have £50 Not £5,000 £10,000 Section 7
chosen Essential TravelCover. (£10 Covered
• Excluding claims arising from: loss of
- any circumstances you knew about deposit)
when booking the journey which
indicated you might need to cancel
- your disinclination to travel or loss
of enjoyment of the trip
- any pre-existing medical condition
- where a person insured under this
policy has not checked in on time

Missed departure and • Cover does not apply if you have Nil Not £500 £500
travel assistance chosen Essential and/or Extended Covered Europe Europe
1. Extra transport and Stay TravelCover. £1,000 £1,000
accommodation costs if you world- world-
miss your outward departure wide wide
from your country of • You must allow sufficient time for £300 £300
residence due to failure of your journey.
public transport or
immobilisation of your
vehicle. • Excluding claims resulting from:
- delays caused by strike or industrial
2. Additional costs to enable action which has started or was
you to travel home from announced before you made your
your international arrival travel arrangements
point in your country of - trips solely within the UK
residence if you are delayed - the costs of all repairs and towing
by the failure of public charges. Nil Not Section 8
transport or the vehicle in Covered
which you were to travel is
immobilised or lost.

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4. What are the significant features and benefits of this policy? (continued)
Benefits
Personal baggage
If your personal baggage is lost,
stolen or damaged we will cover
the cost of replacement (less
wear and tear).
Baggage delay
Cover is provided for the cost
of essential items if the carrier
has misplaced or delayed your
baggage for more than 12 hours
during the outward journey of
a trip.
Money and passport
If your money is lost, stolen or
destroyed during a trip (from
your person or left it in a safety
deposit box).
Additional travel and
accommodation expenses
incurred to obtain a replacement
passport lost or stolen outside
the United Kingdom, the
Channel Islands or the Isle of
Man whilst on a trip.
Travel delay
If your booked transport is
delayed for more than 12 hours
as a result of strike, industrial
action, adverse weather or
mechanical breakdown of the
aircraft, ship or train.
Personal legal responsibility
Damages or costs you are
legally liable to pay as a result
of accidental death or injury or
accidental loss of or damage to
property during a trip.
Significant or Unusual Exclusions Excess Essential Premier Gold Policy Wording
or Limitations Reference
• This section does NOT apply if you have
chosen Essential TravelCover or if under £50 Not £1,500 £2,500 Section 9
Premier or Gold Option you have Covered
decided to exclude Baggage cover.
• The limit for any one item or pair or
set of items is the amount shown on Not £300 £750
your Policy Schedule per trip. Covered
• The limit for valuables is the amount Not £300 £750
shown on your Policy Schedule per trip. Covered
• You must report the loss to the police
within 24 hours of discovery and
obtain a written police report or a
Property Irregularity Report from the
carrier if your belongings are lost or
damaged in transit.
• Excluding losses:
- baggage from an unattended motor
vehicle unless the items were locked
out of sight in a secure area
- valuables from unattended vehicles
- sports equipment whilst in use
- resulting from damage to fragile
items
- where baggage has been left
unsecured and unattended in a
public place.
• This section does NOT apply if you Nil Not £100 £250 Section 10
have chosen Essential and/or Covered
Extended Stay TravelCover or if under
Premier or Gold Option you have
decided to exclude Baggage cover.
• You must keep all receipts for the
purchase of the essential items.
• You must provide written confirmation
of the period of the loss from the
carrier.
• This section does NOT apply if you £50 Not £500 £500 Section 11
have chosen Essential TravelCover. Covered
• You must report the loss to the police
within 24 hours of discovery of the
incident and obtain a written police Not £300 £300
report. Covered
• Cash losses limited to £250 and for
persons aged under 18 years £50.
• Excluding losses where the money
was not being carried by the insured
person or left in a safety deposit box.
• Excluding claims for delays caused Nil Not £100 £250 Section 12
by strike or industrial action which Covered
happened or was expected to
happen.
• Cover does not apply if you have
chosen Essential TravelCover.
• Excludes any liability arising from: Nil Not £2m £2m Section 13
- the death, illness or injury to you Covered
or any of your family
- loss of or damage to your property,
or their family's property or
employee's property
- ownership or use of aircraft,
horse-drawn vehicles, motorised or
mechanically propelled, assisted
vehicles or towed vehicles, boats
(other than rowing boats, punts and
canoes), jet skis, jet bikes or wet
bikes, animals (other than horses,
domestic dogs or cats) or firearms
(other than sporting guns).
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4. What are the significant features and benefits of this policy? (continued)

Benefits Significant or unusual exclusions Excess Essential Premier Gold Policy wording
or limitations reference
Bupa health screen benefit
If you make a valid claim under
Medical Emergency and Other
• You must use the voucher within 3
months of returning to the UK.
Nil Not ✓ ✓ Section 14
Related Expenses and are Covered
hospitalised as an in-patient
for at least 5 days in a row we
will give you a voucher for a
Bupa Health Screen.

UK trips
We will provide limited cover • Your trip must be for at least three £50 Not As per As per Section 15
under Sections 2, 6, 7, 9 and nights in a row Covered section section
11 if you suffer a loss whilst on • In the event of a claim you must notify claimed claimed
a trip in the UK. Bupa Travel Assistance immediately under under

Winter sports cover - only available if you are under 65 years and you have paid an additional premium or
selected Premier or Gold Annual TravelCover
Policy wording
Benefits Significant or unusual exclusions or limitations Excess Limit
reference

Avalanche and landslide

Additional travel and accommodation £50 £150 Section 16
costs if your scheduled transport (£30 per
service is cancelled or cut short because day)
of an avalanche or landslide.
Piste closure
Additional transport costs and lift passes • Cover is only available for the period 1 November £200
if you have to travel to another resort - 31 March. (£20 per
in the event of total closure of the lift • Excluding any claim: day)
system due to lack of snow for at least - which involves the closure of the winter sports
24 hours at your pre-booked resort. lift system because of dangerous high winds.
Ski pack • You must obtain a medical certificate.
Costs of the unused ski pack costs if pro-rata
during the trip you are unable to ski as refund up
a result of accidental bodily injury or to £150
sudden and unforeseen illness.
Ski equipment
Cover is extended to include the loss, £50 £500
damage or theft of your own or hired
ski equipment, during the trip.
Baggage delay
Cost of hiring replacement ski equipment Nil £300
lost or misplaced by the carrier for more (£15 per
than 12 hours on the outward journey. day)

Golf cover - only available if you have paid an additional premium

Policy wording
Benefits Significant or unusual exclusions or limitations Excess Limit
reference

Golf equipment
Cover is extended to include the loss,
damage or theft of your golf
equipment, during the trip.
Cost of hiring replacement golf clubs.
• You must report the loss to the police within 24 £50 £1500 Section 17
hours of discovery and obtain a written report or
a Property Irregularity Report from the carrier if
your belongings are lost or damaged in transit.
• Excluding losses: Nil £35 per
- baggage from unattended vehicles unless locked day up
out of sight or from roof or boot luggage racks to a max.
- valuables from unattended vehicles of £250
- sports equipment whilst in use
- resulting from damage to fragile items
- where baggage has been left unsecured and
unattended in a public place.

Baggage delay
Cost of hiring replacement golf clubs.
Pre-paid green fees
Cost of any pre-booked, unused green
fees which are non-refundable.
• You must keep all receipts for the purchase of Nil £35 per Section 17
the essential items. day up
• You must provide written confirmation of the to a max.
period of the loss from the carrier. of £250
• In the event of medical claims over £500 you must £50 £250 Section 17
contact Bupa Travel Assistance immediately.
• You must contact Bupa Travel Assistance before
you curtail your trip.
• Excluding claims for delays caused by strike or
industrial action which happened or was expected
to happen before you planned your trip.

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4. What are the significant features and benefits of this policy? (continued)
Business over - only available if you have paid an additional premium

Policy wording
Benefits Significant or unusual exclusions or limitations Excess Limit
reference

Replacement business colleague

If you are hospitalised for more than
3 days while on a business trip we will
pay for a colleague to replace you.
Baggage delay
Increased cover for the cost of essential
items if your baggage is delayed in
excess of 12 hours on your outward
journey.
• In the event of claims over £500 you must contact £50 £1500 Section 18
Bupa Travel Assistance immediately.
• We will pay up to £1,500 towards the cost of a
single journey air ticket, of the same class of travel
as that paid by you on your outward trip, to
enable a close business colleague, where
necessary, to replace you.
• The limit for the purchase of essential items Nil Increased Section 18
following a baggage delay in excess of 12 hours from
on your outward journey is increased to £500. £100 to
£500

Business machines and equipment

Cover is extended to include the loss,
damage or theft of your business
equipment, during the trip.
Your business machines and equipment are covered £50 £2000 Section 18
if they are lost, damaged, stolen or destroyed and
not recovered during a trip:
• the most we will pay for any one claim is £2,000
for each person insured under the policy
• the most we will pay for any one item or pair or
set of items is a maximum of £500.

Wedding cover - only available if you have paid an additional premium

Policy wording
Benefits Significant or unusual exclusions or limitations Excess Limit
reference

Personal baggage
Cover is extended to include the loss, For the loss, theft or damage to the items shown £50 Per ring Section 19
damage or theft of your wedding: below, we will pay up to: limit –
• rings • £250 for each wedding ring taken by you or £250
• gifts purchased by you on the trip Wedding
• attire • £1,000 for wedding gifts taken by you on the gifts –
during the trip. trip or sent in advance £1000
• £1,500 for your wedding attire which is specifically Wedding
to be worn by you on your wedding day attire –
£1500

5. What are the other significant exclusions and limitations?

Please refer to pages 21 – 23 of the policy wording, which provides a full list of the policy exclusions applicable to all sections of cover.
1. Any claim caused directly or indirectly from you: -
- having a condition before the policy started (commonly known as a ‘pre-existing medical condition’)
- travelling against the advice of a medical practitioner
- travelling having received a terminal prognosis
- travelling for the purpose of obtaining treatment abroad
- awaiting day-patient, in-patient or out-patient treatment
Unless you have been medically screened and we have accepted and confirmed our acceptance of that medical condition in writing.
2. Any person aged 80 or over unless we have specifically accepted cover, the appropriate premium has been paid and this is
shown on your policy schedule.
3. An insured person taking part in steeplechasing, canyoning, polo, hunting, any professional sport(s), mountaineering (normally
requiring ropes or requiring the services of a guide), pot holing, fighting (except in self-defence), scuba-diving below a depth
of 30 metres, parachuting, racing, speed or endurance tests or practising for such events (other than athletics), or any form
of organised team sport, flying (other than as a fare paying passenger in a regular scheduled airline or licensed charter
aircraft); motorcycling as a rider or passenger (unless wearing a helmet and the rider is a holder of a full and valid motorcycle
licence), winter sports (only available to persons aged under 65 years) unless the appropriate cover has been purchased and
in all circumstances:- off piste skiing unless accompanied by a qualified instructor or guide, snowboarding without a leash or
bindings and protective headgear, ski jumping, ski racing, ski acrobatics, ice hockey, or the use of a bobsleigh, skeleton or
luge. Manual work of any kind.
4. The insured person's suicide, attempted suicide, developing psychiatric, mental or nervous condition(s), anxiety or
depression, intentional self-injury, alcoholism, drug addiction or solvent abuse or any act of self-exposure to danger (except
in an attempt to save human life). The insured person being under the influence of alcohol or drugs.
5. The cost of treatment for pregnancy or childbirth within 10 weeks of estimated date of delivery.
6. Any costs you or the insured person would have expected or would have been required to pay, if the event resulting in the
claim had not happened.
7. Travel to areas the Foreign and Commonwealth Office have advised against travelling to.
(See page 23 of the policy wording for full details).

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6. What is the duration of this policy?
1. If you have chosen Essential or Premier Annual TravelCover you will have cover for your trip up to 31 days in a row and a total of
183 days in each annual insurance period.
2. If you have chosen Gold Annual TravelCover you will have cover for your trip up to 91 days in a row and a total of 183 days in each
annual insurance period.
3. If you have chosen Single Trip TravelCover you will only have cover for the period shown on your schedule up to a maximum of 91
days in a row.
4. If you have chosen Premier Annual TravelCover you will automatically have Winter Sports for up to 17 days in each insurance
period.
5. If you have chosen Gold Annual TravelCover you will automatically have Winter Sports for up to 21 days in each insurance period.
6. If you have chosen Premier or Gold Annual TravelCover you will have cover for trips within the UK for three or more consecutive
nights.
7. Please refer to the policy schedule for confirmation of when cover commences and expires.

7. What are the cancellation rights?

If this insurance cover is not suitable, return it to us within 14 days of receipt and providing you have not already taken your trip or made a
claim, we will cancel the policy and refund your premium in full. We cannot refund your premium after this date.
Cancelling your policy after 14 days of receipt: Although we cannot refund your premium after 14 days of receipt, you may cancel your
policy at any time by giving us notice in writing or by telephone. We will cancel your policy on the date we receive your letter or the day you
telephone us.
(See page 6 of the policy wording for full details).

8. How do I notify you of a claim that I wish to make?

If you wish to notify us of a claim, please contact us:
… in writing Write to Bupa Travel Claims, Thames Side House, South Street, Staines, Middlesex. TW18 4XF.
… by phone Telephone Bupa Travel Claims on 01784 410910**.
(See page 8 of the policy wording for full details).

9. How do I make a complaint about this insurance policy?

If we have not been able to resolve a problem and you wish to take your complaint further, you can contact our Quality Manager.
Please write to: The Quality manager, Bupa Travel Services, Thames Side House, South Street, Staines, Middlesex TW18 4TL.
Phone on 0800 00 10 22#
It is rare that we are unable to settle a complaint but if this does happen, you may refer your complaint to the Financial Ombudsman
Service. You can write to them at: South Quay Plaza, 183 Marsh Wall, London E14 9SR or call them on 0845 080 1800.

10. The Financial Services Compensation Scheme

In the unlikely event that we cannot meet our financial obligations, you may be entitled to compensation from the Financial Services
Compensation Scheme. This will depend on the type of business and the circumstances of your claim. The FSCS may arrange to
transfer your policy to another insurer, provide a new policy or, where appropriate, provide compensation. The first £2,000 of any claim
paid by the FSCS would be met in full and above this amount, 90% of the remainder will be met.
Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or on its
website http://www.fscs.org.uk/

**Standard national rates apply to all (0)1784 numbers. Calls may be recorded and may be monitored. Personal lines are open 8.30am - 6pm, Monday to Friday
and 9am - 1pm, Saturdays and Public holidays. Business lines are open 9am - 5pm, Monday to Friday.
# Calls from landlines are free, however, mobile phone providers may charge. Calls may be recorded and may be monitored. Personal lines are open 8.30am - 6pm,
Monday to Friday and 9am - 1pm, Saturdays and Public holidays. Business lines are open 9am - 5pm, Monday to Friday.
BT/5133/APR08

Bupa TravelCover is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Authorised and regulated by the Financial Services
Authority. Registered Office Bupa House 15-19 Bloomsbury Way London WC1A 2BA.
Bupa and the heartbeat symbol are trademarks of The British United Provident Association Limited.