Do I need travel insurance?

Travel is essential when living on an island. Whether you're going overseas for a long weekend or an extended period of time, you might be wondering if you need travel insurance. The short answer is yes — it's always wise to purchase travel insurance, no matter the length of your trip. Travel insurance can protect you from a variety of unexpected expenses that could lead to financial trouble if you had to pay for them out of pocket — everything from emergency medical care to luggage loss.

Travel insurance from BF&M covers:

 

1. Baggage and personal property insurance. For loss, theft, and damage to the clothing and personal belongings you've brought with you on a trip or bought on your travels. If your baggage is delayed for longer than 12 hours, your policy will contribute towards essential items you might need to buy.
2. Personal accident insurance. For expenses related to injuries or death as a result of an accident that happens during your trip. Our policy also provides a disablement benefit in case you’re temporarily unable to work due to an accident.
3. Medical and emergency travel expenses. For the cost of any medical expenses that are not covered by regular medical insurance while you’re overseas, such as if you have to get a prescription filled. Emergency expenses could include additional transportation costs and accommodation if you, or anyone traveling with you, is injured or killed during your trip.
4. Cancellation and curtailment. For expenses such as lost deposits or non-refundable fees for transportation and accommodation if your trip is cancelled or cut short due to a number of factors, such as illness, injury, or jury duty.

Travel insurance for students studying abroad

If you’re studying overseas and traveling back and forth to visit your family, you don’t need to buy a new travel insurance policy for every trip. BF&M offers a student travel insurance policy that protects you for unlimited trips, 365 days a year. Student travel insurance from BF&M covers:

• Replacement cost of personal property, dorm and apartment furniture, and electronics
• Reimbursement for travel or accommodation if a trip is cancelled or curtailed
• Compensation if you’re involved in an accident
• Medical and emergency travel expenses for you and close relatives

Get a quote today for travel insurance from BF&M

Travel insurance might cost less than you think, and it’s well worth it to make sure the trip you’ve been saving for doesn’t end up costing a lot more than you budgeted for. If you’re getting ready to travel, get a quote and buy travel insurance from BF&M before you go — and take peace of mind with you. Have questions? Give us a call at +1 441 295 5566 today.