Your policy can cover emergency ambulance transport or repatriation home to your country of permanent residency if you suffer an unexpected and acute serious injury or illness while on your trip requiring urgent medical treatment.
Depending on where you are and what’s happened to you, there’s cover for emergency medical transport by road ambulance or other suitable transport (including by helicopter if available and medically necessary) to transfer you:
- the nearest, most appropriate hospital/medical facility
- a more suitable place of treatment in another city or nearby country
- back to your country of permanent residence
If repatriation is necessary because your treating physician and our medical consultant have decided that your on-going treatment should be back in your country of permanent residency, there’s cover for:
- reasonable additional travel expenses to get you home.
- reasonable additional travel, accommodation, local transportation and meal expenses for a fellow traveller or a close relative summoned from your country of residency to support and accompany you while in hospital or during your repatriation home if your condition is life-threatening or if you are admitted to hospital for at least 5 nights
If you die while on your trip, then the repatriation cover includes either transportation of your remains home or the cremation and transportation of your ashes home (not both).
How it works
If something happens and you need emergency transport, you (or someone else) MUST:
- contact our Emergency Medical Assistance Team as soon possible. Very important: expenses for a medical evacuation/repatriation must be pre-approved by us or we will not be liable
- work in consultation with the emergency medical assistance team’s medical consultant and your treating physician to decide and arrange the most appropriate transportation
Where you go, when and how you get there, the availability of transport and the suitability of the medical facilities nearby will depend on the where you are located and your medical situation.
What’s not covered
Travel insurance is not designed to cover everything, so take the time to read the policy wording for the full terms and conditions, particularly Section 9 Medical Evacuation or Repatriation Home and the General Exclusions, so there are no surprises if you do need to use it.
Here are the main things that aren’t covered:
- Any medical evacuation or repatriation expenses, which are not pre-approved by ihi Bupa.
- If you refuse to be repatriated or evacuated.
- Any expenses that relate to a pre-existing medical condition as explained in the policy wording.
- Anything else that's listed in the exclusions on the policy.
- Any costs once you are returned to your country of permanent residence.
- The policy excess, deductible or co-pay amount as shown in the policy wording.