There are many travel insurance products on the market today so we would encourage
you to be cautious when you find a package that looks like a real bargain. For
instance, we know of one package that, on the surface is appealing, however when
you read the "what's covered" section, you will find cover is only offered
when you are on the plane/train/bus/taxi. Our policy provides 24 hour cover while
you are on vacation.
This information is intended to be a summary of the policy cover. For complete
details of the policy cover, terms and conditions, please refer to the policy
Travel coverage is split into four sections - feel free to explore each section
to get yourself up to date with BF&M's travel policies.
As a traveller, you can purchase any of the sections separately or the four together.
Accidental death and permanent injury as a result of an accident happening whilst
you are on the trip.
Weekly Disablement benefit for adults who are temporarily unable to work.
Anyone over 75 years of age and anyone under 5 years of age are not covered for
For an insured person under 16 and older than 5, the benefit is restricted to
$3,000 death benefit and $50 per week for the Temporary Disablement benefit
for Personal Accident cover:
The Personal Accident section (death, permanent injury, temporary total disablement)
excludes scuba diving, snow skiing and the like. If anyone thinks they may participate
in these sports, you can extend the policy for a small additional premium
If there is a traveller who is over 75 and wants the Personal Accident cover,
you will need to contact BF&M to obtain special acceptance. We may require
certain evidence of medical health (a letter from a recognised doctor for example)
before we will accept the proposal.
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and Emergency Expenses Section
Any incidentals that are not covered by the travellers regular medical insurance,
such as prescriptions.
Emergency expenses could include additional cost of transportation and accommodation
incurred as a result of death of or injury to the insured person or anyone travelling
Anyone over the age of 75
For children under 5, the first $50 of each and every claim
Helpful Hints for Medical and Emergency Expenses cover:
If the client has Major
Medical Health insurance, the minimum of $250 is the suggested option. If not,
we would suggest that this limit be increased to the $5000 maximum.
Many travel expenses are non-refundable so the unexpected cancellations or curtailment
of your trip could be costly.
Lost deposits, non-refundable fees for transportation and accommodation if the
trip is cancelled or cut short because of:
1. death, injury, illness of
a) a close family member
b) a travelling companion
c) a business associate
2. Jury Duty
3. Hijacking of the plane
Flight delays/cancellation due to
a) weather e.g. hurricanes, snow storms
b) mechanical problems
c) missed connections
Helpful Hints for the Cancellation Section
Add a little extra to cover
any unforeseen costs e.g. a hasty return home because of a family illness may
involve an overnight hotel stay and taxi fares, which can be pricey. Also, changing
the flight dates means airline penalties, which can quickly add up.
Personal Property Section
Loss or theft of and damage to clothing and personal effects that the travellers
take with them, or buy along the way. It even includes personal effects that they
mail back home, as long as they include them in the sum insured.
Helpful Hints for Personal
Jewellery, watches and camera equipment should be covered under a Special Risks
policy. The Travel Policy has certain exclusions, which make it to the customers
disadvantage to insure them under this policy.
Any item over $1,000 in value (e.g. designer clothing, luggage, golf clubs, laptop
computer) needs to be noted separately under the Specified Articles sub-section
section on Baggage/Personal Property. Remember to include any items listed as
a Specified Item in the total sum insured for Baggage/Personal Possessions.
Breakage of fragile articles in transit. If you buy crystal, china or other breakables,
make sure that it's packed properly because the airlines deny liability for breakage
and this policy doesn't cover it.
There is only $150 insurance for loss of money subject to an excess of $25 per
loss, so credit cards and travellers cheques are the way to go.
Claims Procedure Helpful
Notify BF&M as soon as possible of any loss or any event that may give rise
to a loss
Obtain Police reports if you lose any Personal Property. If the police are not
available, report the loss to the relevant persons and keep a copy of that report.
Keep all receipts for any items that you have had to replace as a result of the
loss of your personal property or medical condition.
If your credit card is stolen or lost, notify the issuing body as soon as possible