BHSF Travel Insurance Review

BHSF Travel Insurance Review

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With the Brexit deadline almost upon us and the current coronavirus pandemic, choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

Once you have read this review of BHSF and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are BHSF Travel Insurance

BHSF Limited is a market-leading not-for-profit health insurer which can trace its history back to a charity which started in 1873, The Birmingham Hospital Saturday Fund, set up to help fund Birmingham hospitals. The company now offer different types of healthcare, including an insurance range.

The travel insurance is managed by Harrison Beaumont Insurance Services Ltd, under the trading name Blue Star Travel Insurance and you are taken to their website when requesting a quotation. Both companies are authorised and regulated by the FCA (Financial Conduct Authority).Travel Insurance is arranged by UK General Insurance on behalf of AGEAS Insurance Ltd. Travel Claims are managed by Direct Group Ltd. There are too many companies involved in this Travel Insurance for it not to be confusing as to who is responsible for what.

How to Buy Travel Insurance from BHSF

Click on the website link to go directly to the insurance providers website. Visit BHSF's Website and Get a Quotation direct

How BHSF Travel Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by BHSF.

Single Trip Policy Ratings Click to Expand

found no policies available for this section.

BHSF Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

BHSF Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from BHSF Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Annual Standard:

BHSF Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

BHSF Longstay Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.
  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.
  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

Key Points you need to know about BHSF's policy wording

We are currently Awaiting Details of Key Points for this provider.

BHSF's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on bhsf-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how BHSF compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for BHSF Policies

We've highlighted Pro's and Cons for BHSF, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by BHSF.

No Pro's

No Con's

What Cover do BHSF policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Standard

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    1,000

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    4,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    180

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    300

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    1,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    Y

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

Sample Quotes from BHSF.

Listed below are some Sample Quotes offered by BHSF

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Annual

Europe

Couple

Age: 18 - 29

Trip Days: 365

BHSF Travel Insurance Review
Product Rating

Experience Rating

Standard

50

Medical Expenses 5,000,000

Cancellation 3,000

Missed Departure 300

Delayed Departure 180

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 60 - 64

Trip Days: 365

BHSF Travel Insurance Review
Product Rating

Experience Rating

Standard

50

Medical Expenses 5,000,000

Cancellation 3,000

Missed Departure 300

Delayed Departure 180

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000