battleface’s Danny List caught up with our in-house technical insurance expert Suzanne Chambers to answer some questions about conflict zone insurance. (She’s the one we ask when we have weird and not-so-weird insurance questions.)
Here are some things you should know before you get out your wallet.
1. What’s the biggest difference between conflict zone insurance and backpacker’s insurance?
Unlike most travel insurance plans, battleface™ covers accidental death, accidental dismemberment, medical expenses and emergency medical evacuation even if caused by an act of war and terror (as long as the insured is not actively participating in a war or terror act).
Cover for acts of war and terror is usually excluded under any other standard travel insurance policy which, generally speaking, contain an FCO Travel Advice exclusion. battleface is different from other standard policies because it was specially designed to cover travel to all countries (except the United States of America) including any countries that are on FCO or other equivalent travel advisory list.
Acts of war or terror have unfortunately become common place and can happen anywhere in the world and this is where our battleface plan can respond where other travel policies do not.
2. What are some common mistakes people make when buying conflict zone insurance?
The assumption that the policy provides them with coverage for trip interruption and travel delay benefits.
Not checking who the service and claims providers are and their service strengths particularly in conflict zones.
Not knowing who the underwriters are to ensure that they are of international good repute and sound financial strength.
Considering that battleface is underwritten by certain Underwriters at Lloyd’s of London our customers can rest assured both points are satisfied. Emergency Assistance and Claims Administration on battleface fact is provided by Tangiers International Ltd who have a wealth of experience in servicing medical situations in conflict zones worldwide.
3. What about adventure sports? Can I get coverage for my mid-life crisis climb up Mt Kilimanjaro?
There are restrictions on our battleface policy whilst an insured person is participating in certain adventure sports and activities, so it is important that people read the exclusions which are detailed in the Exclusion Section of the Policy, which can be downloaded from our website www.battleface.com.
4. What about football matches in Qatar?
Sure, as long as you’re not a playing as a professional for competition. If you want to go and watch, no problem.
5. Do I really need bf for a trip to Toronto?
Not really, but Canadian hospitals are horrible for foreigners/foreign companies and having people on the ground to handle claims like we do to deal with the invoicing and medical expenses makes a huge difference. Plus, battleface is super cheap for trips to Canada.
6. My itinerary: Jakarta, Djibouti, Jordan. 3 very different places. 3 very different policies?
No, it’s the same policy, just 3 different destinations. We like to track where our customers are, but the pricing is based on the highest tier country.
7. Belt-and-suspenders: people often get regular travel medical as well as conflict zone insurance. Is this a good idea?
Yes, it’s a good idea, especially if they also go to a non-conflict zone country. Plus, they get extras: trip interruption, delay and other benefits. Most credit cards offer some travel insurance gratis if the card is used to book the trip. As always, read the fine print!
8. Kidnap insurance? Rip-off or sound investment?
It’s a sound investment, especially for conflict zones. battleface offers planb, a Crisis Response package that offers supplemental assistance for battleface customers headed into areas of conflict. It offers assistance for violent crimes, wrongful detention, mysterious disappearance, kidnapping, blackmail, extortion, political threats, hijacking, and acts of terrorism.
9. What’s the best value in conflict zone insurance?
The best value is medical & evacuation coverage. Getting medically evacuated from a conflict zone is expensive. And with the med & evac, the details are already in place. If you’re in trouble, you don’t want to go looking for ‘air ambulance’ in the phone book, which may be in Arabic.