Advance Travel Insurance

Currently there are no countries excluded from your policy. Please contact BF&M if you need additional information.

The policy will cover any number of trips in a single year. However, any one trip within that year can not exceed 30 days.

These are annual polices that are automatically renewed provided the premium is paid within 30 days of renewal.

Business trips are not included as part of this personal Travel Insurance policy.

The Policyholder can cancel this policy within 14 days of the effective date or after the renewal date and receive a full premium refund provided the Policyholder or any of the Insured's have not traveled outside of the Cayman Islands during this period. If the Policyholder cancels after the first 14 days, no premium refund will be made.

You have the option to purchase additional 'Adventure Travel' insurance coverage if you will be participating in sports and outdoor activities overseas. This is an additional coverage feature if you plan to snow ski, snow board, skin diving or scuba diving.

Regarding sickness when traveling abroad, your initial contact should be with your personal health insurance provider. The coverage provided under this policy is designed to cover additional costs such as deductibles and ancillary costs that may not be covered by your healthcare provider.

This policy provides coverage for money lost or stolen subject to a limit of $250. Please contact the claims helpline for information required to make a claim.

The Travel Insurance policy does provide coverage for flight cancellation or curtailment as a result of illness, death, or injury of any of the insured's or a close relative or business associate.

Yes. The Family Travel Plan applies to families residing in the same household; a family is defined as two parents or a single parent and any number of their children, step children or foster children aged not under 2 or over 21 who normally reside in the same residence or up to 25 if attending, on a full time basis, an accredited academic or vocational institution.

All claims should be submitted to the BF&M Insurance Group. BF&M has a 24 hour 7 days a week, Travel Assist hot line which offers support and assistance. Please have your policy number ready for reference or keep it in a safe place when traveling.