How to use travel insurance?

• Any illness, injury or physical disability, which has shown symptoms prior to the insurance start date. Cosmetic surgery and treatment and consequences thereof
• Private room in hospital unless medically prescribed and approved by the Company
• Epidemics
• Medical assistance in connection with maternity after 36 weeks of pregnancy
• The use of alcohol, drugs or medicines
• Medical check-ups, vaccinations and other preventative treatment
• Any illness or injury resulting from active engagement in any illegal act
• Sports activities, motor racing, paragliding, hang gliding, speedflying, among others.
• Pre-existing and chronic conditions, unless previously approved by the Company
• Medical treatment that can await the insured's arrival home
• Injury caused by gross negligence and /or with intent.

Other exclusions apply (see general conditions)

• The insurance does not provide cover within the insured’s country of permanent residence.
• Repatriation of the insured may be requested if the insured is medically fit to be transferred to his/her country of permanent residence
• Waiting period of three days when the cover was purchased after leaving the country of permanent residence (although trip cancellation is not covered leaving the country of permanent residence).
• The insured must not have reached the age of 75 on the start date for a Single Travel Insurance, and 70 for an Annual Multi-trip Insurance.
• Single Trip cover can only be taken out for an insurance period of maximum 12 months.
• If you choose the Annual Multi-Trip Insurance option, the cover will only be valid for trips with a maximum duration of one month, unless additional travel days are purchased.
• Daily limit applies to following benefit:
• Accommodation (overnight stay) when it is not possible to continue the travel itinerary due to illness or injury (per day): US$300
• Hospital daily benefit (per day): US$50
• Travel delay, accommodation (overnight stay) and meals (per day): US$100
• There is a 10% deductible for security and legal assistance
• Coverage is always subject to compliance with stated requirements.
• Bupa will only cover the usual and reasonable expenses s in the area or country in which treatment is provided
• Bupa only covers medically necessary and eligible treatments.
• We will not provide cover nor pay claims under this insurance policy if the Company's obligations (or the obligations of the Company's group companies and administrators) under the laws of any relevant jurisdiction, including Guatemala, the United Kingdom, the European Union, and the United States, or any international law, prevent the Company from doing so.
• The basic medical cover must be taken out before any other options can be added.

Other restrictions may apply (see General Conditions)

Prior to the start of the contract:

The premium must be paid to the Insurer in advance before the start of the Insurance. Otherwise, the Insurance will not come into effect.

During the term of the contract:

You must notify or provide the Insurer with all the information that can be obtained and that is required to process claims, including medical history records and original invoices when requested.

The start date and period covered by the insurance are specified in the quote or insurance policy.

If a trip cancellation cover has been purchased, it will end when leaving the country of permanent residence to start the trip.

If the Annual Multi-trip Travel Insurance has been chosen, the policy will not be renewed when the insured has reached 70 years of age at the renewal date.

• If the period covered by the insurance is longer than one month, you can cancel your policy within 14 days of the date of your purchase.
• You can cancel your Annual Multi-trip policy with 30 days prior notice. If the policy has not been renewed at least once, there will be an administration fee of US$700,
• You can cancel your Single Trip insurance before the expiry date set out on the insurance card, in which case an administration fee of US$65 will apply.