Custom travel protection that business owners can count on

Ensure you are covered for every trip, whether its flying to London or travelling from region to region. Get the travel protection that you really need.

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Choose your trip. Choose your cover. Introducing battleface’s Travel Medical Plan.

Trip Cancellation and Interruption
24/7 Emergency Medical Assistance
Hospital Benefit and Emergency Medical Expenses
“Avoid non-essential travel” and “Avoid all travel” location coverage
COVID-19 Medical expenses

Emergency Assistance Services 24/7

All non-insurance services are provided by Global Excel Management. Here are just some of the services you can count on when you buy a policy through [page_title].

Medical Assistance

Medical referrals
Medical case management
Dental/vision/hospital referrals
Medical payment arrangements
Emergency Rx assistance

Travel Assistance

Emergency travel arrangements
Embassy/consulate information
Missed connections coordination
Lost baggage search
Lost passport assistance

Claims Services

Online claims filing, status check and updates
Filed claim acknowledgement response within 24 hours
24/7 availability
Dedicated claims examiner handles your claim beginning to end

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Frequently asked questions

How are we different from other travel insurance plans?

We provide specialist travel insurance for vacationers and extraordinary travellers who need more than ordinary insurance. Unlike most travel insurance plans, we offer cover for popular tourist destinations worldwide as well as unconventional or remote destinations, including those that are under government travel advisories and COVID-19 restrictions.

You can also purchase our policies while already travelling. When purchasing policies while travelling cover will start 24-hours after purchase and an exclusion for pre-existing medical conditions would re-apply.

Use our Travel Tool to make informed and timely decisions based on factors including trip origin, destination, travel dates and nationality.

Am I covered for COVID-19?

Yes. COVID-19 is treated as any other sickness.

This policy covers You for medical expenses arising from Covid-19 infection while You are outside Home Province or Territory. The Covid-19 benefit is available for COVID-19 (the disease); SARS- CoV-2 (the virus); and any mutation or variation of SARS-CoV-2. For the avoidance of doubt, coverage for COVID-19 is only applicable to Section B, Medical and additional travel expenses and to no other section of this policy.

What is Winter Sports Optional Coverage?

Winter Sports coverage, when selected, covers equipment loss or damage for skiing and snowboarding. It extends the standard benefits of your policy to include claims which may arise when you are participating in winter sports. No coverage will apply in respect of Personal Liability claims.

Winter Sports cover is only available if you are under 75 years old.

Can I see policy documents prior to purchase?

Yes. You can download a copy of the full Policy Wording from our customer library here.

What happens in case of emergencies?

We strongly recommend that you provide your battleface policy and contact information to your travel companies, friends or family members, in case you can’t contact us. In case of an emergency, contact us 24/7 through:

For Emergency Medical Assistance

Call Global Excel Management on:

+1 (519) 735 4392
+1 (833) 982 3967

Are there any hidden fees or charges?

No. We are committed to treating our customers fairly and are transparent in everything we do. When buying a policy with us, you will not pay us a fee. Instead we receive a commission from the insurance carriers that we work with.

Am I covered for delay or cancellation caused by adverse weather conditions?

Yes for delays in excess of 24 hours from your planned departure. Cancellation and delay cover applies to outward travel only. There is no cover for additional expenses in the event of travel disruption or delays.

My return trip has been delayed, am I covered for any additional expenses?

If you are delayed by more than 12 hours as a result of an insured event, battleface does provide trip delay cover for all persons included within the policy. Terms and Conditions apply.

Your documentation says that certain pandemics are excluded from cover, does this mean battleface will not cover COVID-19?

The statement within our product information document is to notify you that certain pandemic viruses are excluded e.g. Ebola. battleface does provide cover for medical expenses incurred by an Insured Person aged 65 years or under for the treatment of COVID-19, SARS-CoV-2 and symptoms thereof, subject to the terms and conditions of the policy.

Am I covered if the resort closes due to COVID-19?

No, this product does not cover for resort closure due to Covid-19. If you are notified of a resort closure due to Covid-19 we recommend you contact your travel agent.

Can I claim for lost or stolen baggage?

Yes, our Single-Trip product includes baggage cover up to the limits shown on your policy. There are some important limitations to cover that will apply, so please refer to section E of your Policy Document for full details. For example, we will pay a maximum of 250 for each single article, pair or set of items and up to 100 for mobile phones or smartphones. If you are planning to take expensive items such as cameras, e-readers, games consoles, laptops, mobile/smart phones, tablets, jewelry, watches or other Valuables with you then we recommend you have adequate personal possessions cover under a home contents or other insurance policy.

Please note that baggage claims are subject to the excess (deductible) and paid based on the original value of the goods, less a deduction for wear and tear and loss of value based on the age of the goods at the time that they are lost. An original receipt, valuation report or other satisfactory proof of ownership and value is required to support the claim. Evidence of replacement value is not sufficient.

Why is price my different today than when I first quoted my policy?

We’re always tracking the global travel ecosystem to ensure we’re covering the right risks at the right rates. For example, your destination country is part of our rating algorithm and if that country is high risk when you quote and then is lower risk when you buy, you may see a lower premium for your policy.

What is the battleface Winter Sports Optional Cover?

Winter Sports cover, when selected, covers equipment loss or damage for skiing and snowboarding. It extends the standard benefits of your policy to include claims which may arise when you are participating in winter sports. No cover will apply in respect of Personal Liability claims.

What equipment does Winter Sport cover and for how much?

Equipment includes snowboards, skis, bindings, sticks/poles and boots. Winter Sports equipment is covered up to 750 (500 per single article, set or pair). Hired equipment is also covered (300 per single article, set or pair). Exclusions do apply, so please check the Policy Document for full details.

The excess (deductible) for ski equipment is 50 per person or 100 per family for each incident which gives rise to a claim. Standard excesses will apply for the remaining sections of the policy.

Am I covered when skiing off-piste?

Only if you are skiing with a qualified instructor or guide. In all other cases, skiing off-piste will not be covered.

Am I covered for competitive sports?

Participation in winter sports in a professional capacity or on a competitive basis are not covered.

Do you cover extreme Winter Sports?

There is strictly no cover under the terms and conditions of this policy when engaging in freestyle skiing, ski-jumping, ski flying, ski/snowboard-acrobatics, ski snowboard stunting, extreme skiing/ snowboarding, skeleton and luge or any variations.

Do I need to declare my pre-existing conditions?

Single-Trip Travel Medical product will not cover any claim arising directly or indirectly from a known pre-existing medical condition. You don’t need to disclose your pre-existing conditions to us when you buy a policy, but we may ask for relevant details of your medical history in the event of a claim.

What do you consider to be a pre-existing medical condition?

Any Medical Condition that, within the last 12 months, required any:

surgery, inpatient or outpatient treatment, referrals or investigations of any sort. This includes being on any waiting list, taking any prescription medication, tablets or required medical treatment (This will not apply to common colds, flu or contraceptive medication)
medical advice or treatment for any respiratory condition relating to the lungs or breathing;
medical advice or treatment for any heart, stroke or diabetic condition;

Hypertension or high cholesterol controlled by 1 prescription drug only and where the dosage has not been changed within the last 12 months will not be considered a pre-existing medical condition.

Am I covered for dental treatment?

Yes, we will pay for the costs, up to the limit shown on your policy, of providing necessary temporary treatment for the immediate relief of pain or discomfort, and/or emergency repairs to dentures and orthodontic appliances. Please note the policy does not cover for any pre-planned dental treatment or diagnostic procedures.

I need a policy which covers my whole family, can I get a discount?

We offer a 10% discount as standard when you buy a policy covering more than one traveller. Just add each additional traveller at the quotation stage and the discount will automatically be applied.

Am I covered if I take part in sports and activities during my trip?

This insurance excludes certain sports and pastimes. Please see the Policy Document for the list of Excluded Activities: here

Policy changes and cancelling my policy?

You can change your travel dates any time before you travel and cancellation is free within the cooling off period. If you wish to cancel we can offer you a full refund provided you cancel within 14 days of receiving your policy documents and before the start date of your policy.

If you have already embarked on your trip or need to cancel after the 14 days cooling off period, your premium will be refunded pro-rata from the date your instructions are received, provided you have not made a claim.

Can I extend my policy if I plan to travel longer?

The easiest option would be to buy a new policy, to cover the remaining part of your journey. We strongly advise that you buy cover for as long as you need in one go, although we understand that travel plans may change.

Please note that it would be subject to your continuing to meet the eligibility criteria and the pre-existing exclusion would re-apply at the effective date of your new policy. When purchasing policies while travelling cover will start 24-hours after purchase.

Availability of cover may also be limited by your location at the time of intended purchase and how long you have been there.

Am I eligible to purchase?

This product cannot be purchased more than 364 days in advance. You are eligible to buy if:

You are not yet 80 years of age (children aged over one month and not yet 18 years old can either be covered under the same policy as your parent or guardian, or the main policy holder with parental consent); and
You have received all immunisations recommended by your home country prior to entry into the host country; and
You do not at any time during the Policy Period carry any firearm or any instrument or device designed or intended to cause injury or death to another person unless you have told us in advance, it has been accepted by us and you have paid the appropriate additional premium and you are not an active member of any military or paramilitary force at any time during the Policy Period

If for any reason you cannot satisfy all of these criteria, please contact us and we will do our utmost to find a product to suit your needs.

Important Note: This website is powered by battleface Insurance Services Ltd. Address 80 Churchill Square, Kings Hill, West Malling, Kent, ME19 4YU, United Kingdom. This travel medical insurance policy is underwritten by Northbridge General Insurance Corporation, 105 Adelaide Street West, Toronto, Ontario M5H1P9 and distributed through Arthur J Gallagher Canada Limited. 1200-145 Wellington Street West, Toronto, Ontario M5J 1H8.

Benefits	Sum Insured	Excess
Cancellation and Curtailment	€5,000
Medical and Emergency Expenses	€10,000,000	€250
Hospital Benefit	€25 per day Maximum €100
Personal Accident	€50,000
Baggage	€2,000	€250
Personal Money and Passport	€500	€250
Personal Liability	€500,000
Travel Delay	€50 per 12 hr period Maximum €500
Optional Upgrades	Sum Insured	Excess
Business Cover	€1,000	€100
Winter Cover	€750	€50 per person (€100 per family)
* Plans not available for residents of France, Spain, Portugal, Italy, Croatia, Hungary and Poland. * These are only brief description(s) of the coverage(s). The policy will contain reductions, limitations, exclusion, and termination provisions. Full details of each coverage are contained in the policy document. Please read the policy carefully to fully understand the coverages, terms conditions, limits, and exclusions. If there are any conflicts or discrepancies between the descriptions above and the policy or any point is not covered above, the terms and conditions of the policy shall govern. Please contact battleface for more information.

Benefit	Limit	Deductible
Trip Cancellation Package (Required for VA and WA residents)
Trip Cancellation	100% of trip cost (up to a maximum of $20,000 per order)
Single Occupancy	Up to trip cost
Cancel for Any Reason (Not available to NY residents)	Up to 75% of trip cost Up to 50% of trip costs in FL (Available for trip cost up to $10,000 per traveling party.)
Trip Interruption	Up 150% of trip cost
Delay Package
Trip Delay Package	Up to $200 per day and $2,500 per trip
Missed Connection	Up to $1,000 per covered trip
Baggage Package – Excess
Baggage and Personal Effects	Up to $2,500	$100 deductible applies
Baggage Delay	Up to $100 per day and $500 per trip
Travel Medical Package – Excess (Required for IN residents) AK, CO, ID, ND, NH – Primary
Travel Medical Expense – Adventure sports included	Up to $100,000 ($50,000 for NH residents)	$50 deductible applies
Emergency Dental	Up to $750
Emergency Evacuation and Repatriation of Remains	Up to $500,000 ($1,000,000 for NH residents)
Accidental Death & Dismemberment	Select $100,000, $250,000, or $500,000 ($50,000 maximum for NH residents)
Pet Medical Package (Not availble for FL residents)
Pet Medical Expense	Up to $2,000	$100 deductible applies
Pet Return	Up to $500
Rental Vehicle Damage – Primary (Not available to FL residents)	Up to $35,000 per rented vehicle	Primary $250 deductible for loss greater than $2,000
Vacation Rental Damage	Select $1,500, $3,000 or $5,000 per vacation rental reservation
These are only brief description(s) of the coverage(s). The policy will contain reductions, limitations, exclusion, and termination provisions. Full details of each coverage are contained in the policy document. Please read the policy carefully to fully understand the coverages, terms conditions, limits, and exclusions. If there are any conflicts or discrepancies between the descriptions above and the policy or any point is not covered above, the terms and conditions of the policy shall govern. Not all plans or coverages are available in every state. Please contact battleface for more information.

Benefit	Limit	Deductible
Trip Cancellation	Up to $30,000
Trip Interruption	Up to 150% of trip cost, to a maximum of $30,000
Single Occupancy	Up to trip cancellation maximum
Trip Delay	$250 per day to a maximum of $2,500
Missed Connection	$750
Security Evacuation	$50,000
Baggage and Personal Effects	$1,500 per-item restrictions apply Sporting Equipment Coverage Included	$0 Deductible
Baggage Delay	$250 Sporting Equipment Delay Included
Travel Medical Expense	$50,000	$0 Deductible
Hospital Room and Board	$200 per day
Emergency Dental	$750	$0 Deductible
Emergency Evacuation and Repatriation of Remains	$500,000
Optional Coverage: The following will be included if elected and appropriate costs have been paid. Cancel For Any Reason, reimburses up to 75% of trip cost (50% within the state of FL). Not available to NY residents. You must purchase prior to final trip payment, insure your full trip cost, and cancel before 48 hours of scheduled departure. Other benefits include: · Available coverage for Pre-Existing Medical Conditions. The Pre-Existing Medical Condition exclusion is waived if the full cost of all nonrefundable payments are insured and the plan is purchased prior to final trip payment. · No exclusion for mental, nervous or psychological disorders.

Standard Benefits	Limit	Excess
Trip Interruption	US $2,000
Emergency Medical Expenses and Repatriation	US $10,000,000	US $250
Hospital Benefit	US $25 per day Maximum US $100
Personal Accident	Up to US $50,000
Baggage Loss or Delay	Up to US $2,000	US $250 or US $50
Personal Money and Passport	US $500 Limited to US $250 in respect of cash	US $250
Personal Liability	UUS $500,000

Optional Benefits	Limit	Excess
Business Extension	Up to US $1,000	US $100
Winter Sports (Ski Equipment)	Up to US $750	US $50 or US $100
Increased Personal Accident	Up to US $250,000
Increased Baggage	Up to US $10,000	US $50
Please see the full underwriting disclosures here. *These are only brief description(s) of the coverage(s). The policy will contain reductions, limitations, exclusion, and termination provisions. Full details of each coverage are contained in the policy document. Please read the policy carefully to fully understand the coverages, terms conditions, limits, and exclusions. If there are any conflicts or discrepancies between the descriptions above and the policy or any point is not covered above, the terms and conditions of the policy shall govern. Please contact battleface for more information.

Benefits	Sum Insured	Excess
Cancellation and Curtailment	£5,000
Medical and Emergency Expenses	£10,000,000	£250
Hospital Benefit	£25 per day Maximum £100
Personal Accident	£50,000
Baggage	£2,000	£250
Personal Money and Passport	£500	£250
Personal Liability	£500,000
Travel Delay	£50 per 12 hr period Maximum £500
Optional Upgrades	Sum Insured	Excess
Business Cover	£1,000	£100
Winter Cover	£750	£50 per person (£100 per family)
*These are only brief description(s) of the coverage(s). The policy will contain reductions, limitations, exclusion, and termination provisions. Full details of each coverage are contained in the policy document. Please read the policy carefully to fully understand the coverages, terms conditions, limits, and exclusions. If there are any conflicts or discrepancies between the descriptions above and the policy or any point is not covered above, the terms and conditions of the policy shall govern. Please contact battleface for more information.