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Discovery FAQs

How should I split up the trip cost for multiple people traveling together?

We recommend, as much as possible, that you enter the exact trip cost for each person. This can prevent problems at claim time.

For a family traveling together, you may split the cost evenly among all parties, especially if you are traveling with minor children. Even in that scenario, we’d recommend entering exact trip costs for each family member if possible.

When does my coverage begin and end for Trip Cancellation? How about Trip Interruption?

Trip Cancellation coverage starts at 12:01 AM the day after you purchase your policy and ends the earlier of: when you cancel your trip, or at 11:59 PM the day before your scheduled departure date.

Trip Interruption coverage begins on the later of: 12:01 AM on your scheduled departure date, or the date and time you start the trip. It ends on the earlier of: your arrival at the return destination, or your scheduled return date.

What is Cancel For Any Reason?

Cancel For Any Reason provides complete flexibility that truly allows you to cancel for any reason, even one not covered under Trip Cancellation. This benefit is sold as an add-on to your chosen trip cancellation benefit.The limit of coverage is 75% (or 50% if you reside in FL) of your original trip cost. You can select this option if you meet the following:

1 – purchase the plan within 15 days of the deposit date

2 – the plan must be purchased more than 10 days before the departure date

3 – purchase the plan to cover the entire cost of the trip

4 – when using this benefit, the cancelation of the covered trip occurs more than 48 hours from the originally scheduled departure

5 – any later arrangement(s) or payment(s) need to be added within 15 days of the date of payments

Cancel For Any Reason coverage may not be available in all states.

To learn more, please visit our article “Cancel For Any Reason Travel Insurance Explained” article here

What should I do if my flight is delayed?

The best answer we can give you is “it depends” — when the delay occurs during your trip, how long the delay is, and why you were delayed. Different coverages could apply, and there may be different covered reasons and time frames for each coverage. We recommend that you document as much as possible. This includes the reason for the delay, such as emails, texts from the airline, and weather alerts, as well as receipts for any expenses incurred. This will help you at claim time.

Connect with us right away via +1 (855) 998 2928 or email. We can clarify your benefits and help you navigate the situation at hand.

What if my flight is cancelled?

Oftentimes if the cancellation is due to problems with the airline, such as staffing shortages, they are responsible for rebooking you and covering any expenses you incur. If it’s due to something like a hurricane, there could be coverage under Trip Cancellation, Trip Interruption, Trip Delay or even Missed Connection. Your best bet is to document everything and contact our team for guidance.

What should I do if my travel dates or trip cost change?

Contact our team via +1 (855) 998 2928 or email as soon as you know about these changes – we can quickly and easily update your policy.

How can I check for entry requirements to my destination?

Visit our Travel Tool  for the most up-to-date entry requirements for each country. We recommend checking this periodically before your departure to see if there have been any changes.

How does the claim process work, and what can I do to help with the processing of my claim?

Filing a claim starts with completing a claim form. The claim form is a questionnaire meant to help you achieve the following:

Step 1 – Inform us about the incident that caused your claim

Step 2 – Specify the financial loss you want reimbursed

Step 3 – Supply evidence of the incident to support your claim

Once submitted, your claim is promptly assessed by a claims analyst who determines whether it meets the terms of your policy and communicates the outcome to you. You can find your claim form here

Can I use battleface for travel within the United States?

Yes, battleface plans cover both domestic and international trips. For domestic travel, you must be traveling at least one hundred (100) miles from your primary residence.

Am I eligible for battleface insurance?

This plan is not available for travelers over age 85. The main applicant must be 18 or older to apply for insurance. A parent or other legal custodian must apply for coverage for a minor under 18. Children under the age of 18 may be covered as additional travelers. If the child is not yet 1 year old, enter ‘0’.

EU/EEA

Increase your Personal Accident and Baggage cover or add the Business Extension to customise your policy.

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.

United States Single-Trip Discovery

Mix and match as you choose to create a customized policy.

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.

United States Activity Coverage

Mix and match as you choose to create a customized policy.

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.

International Travel Medical Insurance Plan

Some benefits are subject to an excess (aka, the deductible, or what you have to pay before we pay), as stated in the Policy Schedule, and are per Policy Period.

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.

UK Single Trip Travel Medical Insurance

Increase your Personal Accident and Baggage cover or add the Business Extension to customise your policy.

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.

Global Travel Medical Insurance

Benefit	Limit
Trip Interruption	US $2,000
Emergency Medical Expenses,Evacuation and Repatriation of Mortal Remains	US $10,000,000 (excess US $250)
Hospital Benefit	US $25 per day, maximum US $100
Personal Accident	up to US $5,000
Baggage Loss or Delay	up to US $2,000 (excess US $250 or US $50)
Personal Money and Passport, limited to 250 in respect of cash	US $500 (excess US $250) *** Limited to US $250 in respect of cash
Trip Delay	Maximum US $200 per day up to US $2,500
Missed Connection	Maximum of US $1,000 per covered trip
Personal Liability	US $500,000
Optional Benefits	Limit
Business Extension	up to US $1,000 (excess US $100)
Winter Sports (Ski Equipment)	up to US $750 (excess US $50 or US $100)
Personal Accident	up to US $250,000
Baggage	up to US $10,000
Important notes: Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section G of the policy Travellers up to the age of 79 can purchase this product. Cover for illness is not available for those aged 75 years or over

Australia Single-Trip Discovery

Mix and match as you choose to create a customised policy.

Standard Benefits	Sum Insured	Excess
Emergency Medical	Unlimited	Yes
Funeral Expense Abroad	AUD 20,000	No
Hospital Benefit and Confinement	AUD 50 per day Up to AUD 1,000	No
Airfare Reimbursement	Up to AUD 2,500	Yes

Optional Benefits	Sum Insured	Excess
Trip Cancellation	Up to AUD 40,000	Yes
Trip Interruption	Up to AUD 40,000	Yes
Travel Delay	AUD 50 per 6 hours Up to AUD 2,000	No
Personal Accident	AUD 25,000	No
Personal Liability	Up to AUD 2,500,000	No

Luggage and personal effects	Up to AUD 10,000	Yes
*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.

United States Single-Trip Discovery

Mix and match as you choose to create a customized policy.

Benefit	Limit
Trip Cancellation Package
Trip Cancellation	100% of trip cost (up to a maximum of $20,000)
Single Occupancy	Up to trip cost
Cancel for Any Reason	Up to 75% of trip cost Up to 50% of trip costs in FL
Trip Interruption	150% of trip cost
Delay Package
Trip Delay	Maximum $200 per day up to $2,500
Missed Connection	Maximum of $1,000 per covered trip
Baggage Package – Excess
Baggage and Personal Effects	$2,500 $100 Deductible
Baggage Delay	$100 per day up to a maximum of $500
Travel Medical Package – Excess AK, CO, ID, ND, NH – Primary
Travel Medical Expense – Adventure sports included	$100,000 $50,000 in NH $50 Deductible
Emergency Dental	$750
Emergency Evacuation and Repatriation of Remains	Up to $500,000 Up to $1,000,000 in NH
Accidental Death & Dismemberment	$100,000 or $250,000 or $500,000
Pet Medical Package
Pet Medical Expense	Up to $2,000 $100 Deductible
Pet Return	Up to $500
Rental Vehicle Damage – Primary	Up to $35,000 per rented vehicle- Primary $250 Deductible for loss greater than $2,000
Vacation Rental Damage	$1,500 or $3,000 or $5,000
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.

Multi-Trip Annual FAQs

How to I download the Employee Travel Roster?

Click the link to download and open the document. From there, you are able to fill it out, save it as a CSV file and upload it.

How to I fill out the Employee Travel Roster?

Open the file
Fill out traveler information such as traveler name, required for quote information, and required for purchase information.
Save the document

How to I upload the Employee Travel Roster?

On the Travel Champion page, click “Submit Form”
Fill out the multi-traveler form
Upload the file by clicking “Choose File”
Make sure the file has been selected. Click “Submit”

What is the max trip length?

The maximum covered length for any one trip is 40 days.

Can I cover all my team for all their trips?

Yes, the Multi-Trip Annual plan is an annual plan for the frequent traveler, planning to take, in general, three or more trips per year. Each trip must be 40 days or less. You may take unlimited trips in a year and do not need to report departure and return dates unless in the event of a claim.

How much is it? Can you bill me monthly?

For the Multi-Trip Annual plan, cost is determined by age and the selected trip cost amount. Plans be paid in full at the time of purchase and becomes non-refundable after the free-look period.

Can I put all my travelers on one plan?

Up to 10 travelers’ policies can be purchased together, so long as they all reside in the same state. Travelers from different states will need to be purchased separately, as pricing, benefits and policy language may vary by state.

Does the travel insurance cover cancellations for pre-existing conditions?

If you, a family member, or a traveling companion have a pre-existing medical condition, such as heart disease, diabetes, autoimmune disorders, or other conditions, you need to be aware that most travel insurance plans exclude any losses resulting from that condition. If you have to cancel or interrupt your trip due to that condition, or if you become ill with that condition while traveling, you may not have coverage.

The Pre-Existing Medical Condition Exclusion, however, is waived after the policy has been in force for 60 days

This can be a complicated subject, so make sure you read the policy, and contact battleface if you have any questions about pre-existing medical conditions.

What does the travel insurance cover (meetings, events, transient?)

Travel insurance can cover any type of travel with benefits including medical, trip cancellation, travel inconveniences and loss luggage to name a few. For the Multi Trip Annual plan you will receive up to 40 days of coverage per trip.

Multi-Trip Annual FAQs

What is the max trip length?

The maximum covered length for any one trip is 40 days.

Can I cover all my team for all their trips?

Yes, the Multi-Trip Annual plan is an annual plan for the frequent traveler, planning to take, in general, three or more trips per year. Each trip must be 40 days or less. You may take unlimited trips in a year and do not need to report departure and return dates unless in the event of a claim.

How much is it? Can you bill me monthly?

For the Multi-Trip Annual plan, cost is determined by age and the selected trip cost amount. Plans be paid in full at the time of purchase and becomes non-refundable after the free-look period.

Can I put all my travelers on one plan?

Up to 10 travelers’ policies can be purchased together, so long as they all reside in the same state. Travelers from different states will need to be purchased separately, as pricing, benefits and policy language may vary by state.

Does the travel insurance cover cancellations for pre-existing conditions?

If you, a family member, or a traveling companion have a pre-existing medical condition, such as heart disease, diabetes, autoimmune disorders, or other conditions, you need to be aware that most travel insurance plans exclude any losses resulting from that condition. If you have to cancel or interrupt your trip due to that condition, or if you become ill with that condition while traveling, you may not have coverage.

The Pre-Existing Medical Condition Exclusion, however, is waived after the policy has been in force for 60 days

This can be a complicated subject, so make sure you read the policy, and contact battleface if you have any questions about pre-existing medical conditions.

What does the travel insurance cover (meetings, events, transient?)

Travel insurance can cover any type of travel with benefits including medical, trip cancellation, travel inconveniences and loss luggage to name a few. For the Multi Trip Annual plan you will receive up to 40 days of coverage per trip.

Multi-Trip Annual FAQs

What's the difference between the Single Trip Discovery and the Multi-Trip Annual Plan?

The Discovery Plan gives you the ultimate flexibility to choose only the coverages you need for a single trip, depending on your destination, activities and trip cost. The Multi-Trip Annual Plan is a comprehensive package of coverages that are perfect for those who travel spontaneously, or take more than two trips per year.

How many trips per year am I covered for?

There is no limit to the number of trips you can take each 12-month period. Note that the coverage limits described are per annual policy term, not per trip. The maximum covered length for any one trip is 40 days.

Who is Multi-Trip Annual Plan best suited for?

With rates as low as $92.27 for one full year, it’s the perfect, budget-friendly plan for people who like to travel frequently or spontaneously. The Multi-Trip Annual Plan offers you a full range of benefits, including:

A comprehensive range of coverages
Coverage for sickness due to COVID-19
Available coverage for Pre-Existing Medical Conditions
Coverage for Adventure Activities
Worldwide Travel Assistance

Do I need to notify battleface when I go on a trip?

There’s no need to notify us! Go ahead and plan your trip, knowing that your battleface policy is valid the entire 12 months from the start date you choose.

Can I pick a future date on which to start my policy?

You may select a start date for your policy up to 180 days into the future.

Is the Multi-Trip Annual policy valid for travel anywhere in the world?

Pretty much! There are a few countries where we can’t offer coverage:

Afghanistan
Belarus
Burundi
Central African Republic
Chad
Cuba
Iran
Iraq
Libya
Mauritania
Niger
North Korea
Republic of South Sudan
Russia
Somalia
Sudan
Syria
Ukraine
Venezuela
Yemen

How do I know which entry requirements apply to particular countries?

Use the handy battleface Travel Tool to easily find entry regulations and COVID-19 travel requirements for your next destination.

What is a pre-existing medical condition and am I covered for it?

If you, a family member, or a traveling companion have a pre-existing medical condition, such as heart disease, diabetes, autoimmune disorders, or other conditions, you need to be aware that many travel insurance plans exclude any losses resulting from that condition. If you have to cancel or interrupt your trip due to that condition, or if you become ill with that condition while traveling, you may not have coverage.

With the battleface Multi-Trip Annual Plan, the Pre-Existing Medical Condition Exclusion is waived after the policy has been in force for 60 days. This can be a complicated subject, so make sure you read the policy, and contact battleface if you have particular questions about pre-existing medical conditions.

What if I, my travel companion, or a family member gets sick with COVID-19?

Until further notice, as an accommodation, the following coverages will be extended to include COVID-19 related losses occurring due to sickness, as sickness is defined in the policy:

Travel Medical Expense and Emergency Evacuation and Repatriation of Remains benefits if you or a traveling companion require medical treatment or Emergency Evacuation due to COVID-19-related sickness while on a covered trip
Trip Cancellation, Trip Interruption and Trip Delay benefits if you, a traveling companion or a family member develop COVID-19-related sickness before or during your covered trip and meet the policy requirements for coverage due to sickness

This coverage accommodation applies strictly to loss due to sickness resulting from COVID-19 and is available only if the purchased plan includes the applicable benefits. All other terms, conditions, and exclusions apply. Note that certain terms such as “sickness” are defined within the policy; check your policy for full details. Learn more about COVID-19 travel insurance coverage and exclusions.

Can I see the policy prior to purchase?

Click here to see the plan details that are applicable to your state.

Multi-Trip Annual

This is a comprehensive plan – all coverages are included.

COVERAGE	MAXIMUM LIMITS PER ANNUAL POLICY TERM
Trip Cancellation	Select your limit: $1,500 / $3,000 / $5,000
Trip Interruption	150% of Trip Cancellation Limit
Single Occupancy	up to Trip Cancellation Limit
Trip Delay	$200 per day up to $1,000
Missed Connection	$1,000
Baggage and Personal Effects	$2,000 / $1,000 per item
Baggage Delay	$100 per day, up to a maximum of $750
Travel Medical Expense	$250,000 / $50,000 in NH
Emergency Dental	$750
Hospital Room & Board	$200 / day
Emergency Evacuation and Repatriation of Remains	$500,000
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.

Discovery FAQs

Can I cover just one team member for just one trip?

Yes! This is the perfect policy for a single trip.

Can I put all my travelers on one plan?

Up to 10 travelers can be purchased at a time, so long as they all reside in the same state, are taking the same trip and select the same benefits. Travelers from different states will need separate plans, as pricing, benefits and policy language may vary by state. For groups larger than 10, please contact battleface directly for a quote at +1 (855) 998 2928 or [email protected]

How much is it? Can you bill me monthly?

For the Discovery plan, cost is determined by age, trip cost, trip length and selected benefits. The plan cost must be paid in full at the time of purchase, and it is non-refundable after the free-look period.

What does the travel insurance cover (meetings, events, transient?)

Travel insurance can cover any type of travel with benefits including medical emergencies, trip cancellation, travel inconveniences and loss luggage to name a few. For the Discovery plan you will receive up to 90 days of coverage per trip.

Does the travel insurance cover cancellations for pre-existing conditions?

If you, a family member, or a traveling companion have a pre-existing medical condition, such as heart disease, diabetes, autoimmune disorders, or other conditions, you need to be aware that most travel insurance plans exclude any losses resulting from that condition. If you have to cancel or interrupt your trip due to that condition, or if you become ill with that condition while traveling, you may not have coverage.

Single-Trip Discovery plan: If you buy your travel insurance policy within 15 days of making your initial trip payment, insure the cost of all trip arrangements, and are medically able to travel at the time of purchase, you can qualify for a waiver of the Pre-Existing Medical Condition Exclusion.

This can be a complicated subject, so make sure you read the policy, and contact battleface if you have any questions about pre-existing medical conditions.

Are voluntary cancellations covered?

Generally, the cancellation must result from an unforeseeable event outside of your control, such as sickness, natural disaster, strikes, etc.

However, the Discovery plan does offer optional Cancel For Any Reason coverage.

Cancel For Any Reason provides complete flexibility that truly allows you to cancel for any reason, even one not covered under Trip Cancellation. This benefit is sold as an add-on to your chosen trip cancellation benefit.

The limit of coverage is 75% (or 50% if you reside in FL) of your original trip cost. You can select this option if you meet the following criteria:

You purchase the policy within 15 days of the deposit date
You purchase insurance to cover the entire cost of the trip

When using this benefit, the cancelation of the covered trip must occur more than 48 hours from the originally scheduled departure. Any later arrangement(s) or payment(s) need to be added within 15 days of the date of payments. Cancel For Any Reason coverage may not be available in all states.