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.
We strongly recommend that you provide your battleface policy and contact information to your travel companies, friends or family members. In case of an emergency, if you are not able to reach us, your next of kin should be able to contact us 24/7 through: Email: [email protected] Tel: +1.855.998.2928 or +1.571.441.0775
No. The Emergency Evacuation and Repatriation of Remains benefit only applies to medically related emergencies. If a service is not covered by your insurance policy, Robin Assist is a 24/7 assistance company can help make the arrangements for events such as political unrest. You would be responsible for any costs incurred. For the full list … Read more
Yes, the Robin Assist medical advisory teams consists of physicians and nurses who provide oversight to recommended emergency assistance services. They will usually coordinate with the local attending medical teams when obtaining medical and necessary case information. For medical evacuation and transportation, based on Fit to Travel recommendations, patients are often accompanied by a physician, … Read more
If it’s medically necessary, Robin Assist will arrange for transfers from the hospital to the airport. Medical evacuation transportation is bed-to-bed service when patients are moved to another location or home. If the patient needs to get to a hospital or be transported from the hospital back home, a bed-to-bed service is facilitated.
The type of aircraft used in a medical evacuation and transportation will depend on a variety of factors including the nature of the case, medical diagnosis, the patient’s Fit to Travel status, distance, and attending medical crew required. Transportation may take place via air ambulance, commercial airline with medical escorts, ground ambulances, and private motor … Read more
Depending on the location, the patient’s medical condition and needs, and the adequacy of local medical facilities, there are times when transportation back home is the appropriate choice. Every situation is different–that’s why the Robin Assist medical team will coordinate with treating medical facilities, attending physicians and next of kin when determining medical evacuation services.
Travelers will need Emergency Evacuation and Repatriation of Remains coverage in order to be eligible. Medically necessary evacuation would be available for the transportation of a traveler to the nearest adequate medical facility or home. Every situation is different but, in general, it’s a two-step process when arranging for medical transportation back home: Step 1 … Read more
There are two benefits that could apply here (if selected or included with your plan): Accidental Death & Dismemberment: This benefit provides a cash payment in the event of accidental loss of life or limb during a covered trip. Repatriation of Remains: In the event of your death while traveling, this coverage (Emergency Evacuation and … Read more
If you are diagnosed with COVID-19 and required to quarantine, you may have coverage under your policy. For example: If you contract COVID-19 at your destination, Trip Delay coverage may cover additional expenses you incur If you contract COVID-19 before your trip (and after you’ve purchased your policy), you may be covered under Trip Cancellation … Read more
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.
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.
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
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.
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.
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.
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.
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
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.
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’.
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 |
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| 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 |
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| Optional Upgrades | Sum Insured | Excess |
| Business Cover | €1,000 | €100 |
| Winter Cover | €750 | €50 per person (€100 per family) |
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* 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.
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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.) |
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| 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 |
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| 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 | |
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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.
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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 |
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| 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 | |
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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. |
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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 |
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| 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 |
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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.
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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 |
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| Optional Upgrades | Sum Insured | Excess |
| Business Cover | £1,000 | £100 |
| Winter Cover | £750 | £50 per person (£100 per family) |
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*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.
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| 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 |
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Important notes:
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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 |
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*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.
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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 |
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| 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 |
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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.
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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.
The maximum covered length for any one trip is 40 days.
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.
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.
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.
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.
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.
The maximum covered length for any one trip is 40 days.
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.
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.
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.
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.
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.
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.
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.
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:
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.
You may select a start date for your policy up to 180 days into the future.
Pretty much! There are a few countries where we can’t offer coverage:
Use the handy battleface Travel Tool to easily find entry regulations and COVID-19 travel requirements for your next destination.
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.
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:
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.
Click here to see the plan details that are applicable to your state.
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 |
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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.
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Yes! This is the perfect policy for a single trip.
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]
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.
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.
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.
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:
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.