The sum insured
Is it enough to do the job, and not so large that you are insuring a lifestyle you do not have?
Cover, explained
Travel Insurance
Travel insurance is there for the parts of a journey you cannot control: a cancelled departure, a medical bill away from home, a lost bag, or a missed connection that strands a family overnight. Single-trip and annual plans are both available. We ask where you are going, how long you will be away, and whether anyone travelling has a condition that a standard medical section would exclude.
- Single-trip and annual multi-trip options
- Cancellation, curtailment, and delay benefits
- Emergency medical expenses with stated limits
- Declared activities such as winter sports when you need them
Before you buy
Special points we want you to notice
Buy travel cover when you book, not the night before you fly, if you want cancellation protection from the start. Tell us about cruises, work trips, and equipment you must take with you. A policy bought for a beach week will not quietly become cover for a mountaineering holiday. If you already hold health insurance, we will show where the two overlap so you are not paying twice for the same hospital bed.
Nothing on this page starts a policy. Cover begins only on the date printed on a schedule, after you have accepted it and any first contribution has been paid. If a sentence here disagrees with that schedule, the schedule wins.
Good to know
What people check before they accept
The excess
Could you pay it next month without borrowing? A lower contribution is not a saving if the excess is fantasy.
The exclusions
Read them while nothing is wrong. Ask us to restate any sentence that still feels slippery.
The claims path
Know the mailbox, the photographs you would take, and who in the household can write to us.
Our promise is to make complex insurance language readable, to answer claim questions in writing, and to show the price of cover before you commit.
Every illustration separates the insurance contribution from taxes or fees that must be added. If a number on our pricing page is only an example, we say so.
You will know what we still need from you, why a decision is waiting, and where to write if you disagree. The claims desk is claims@bfdwinery.com.
Advisors are asked to list what they recommended and what they deliberately left out. That note belongs to you.