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FAQ Category: Travel Insurance 101

Does travel protection cover trip delays?

Yes, if selected as an option or included in your plan, trip delay coverage can reimburse you for certain expenses you incur if your trip is delayed for a defined period of time. The benefit can include reimbursement for things like hotel accommodations, meals, and local transportation; be sure to keep your receipts. Learn more […]

Does travel protection cover trip cancellation?

If selected as an option or included in your plan, trip cancellation protects you if you need to cancel your trip unexpectedly for specific reasons including an unexpected death, illness, or medical condition; transportation issues like airport closures, traffic accidents, or strikes; major weather issues or natural disasters; adoption-related travel, issues of personal safety and […]

Does travel protection cover hurricanes and other natural disasters?

Yes, travel protection can provide benefits to you in case of a natural disaster either in your destination (leading up to your trip or while you’re on vacation) or a natural disaster at home that prevents you from being able to take your trip. Keep in mind that there are certain limitations for natural disasters […]

Does travel protection cover terrorism?

Acts of terrorism are covered as long as the US Department of State has deemed an act of violence to be terrorism. Trip cancellation, trip interruption, travel medical, and emergency evacuation coverage are all valuable in a terrorist situation. Keep in mind that acts of war, civil disorders, and riots are not considered terrorist incidents. […]

Does travel protection cover rental cars?

Rental car coverage is available as an add-on to your single-trip Discovery and Scout travel protection plans. It covers damage to the vehicle you’ve rented, whether it’s caused by a collision, extreme weather, vandalism, or if it’s stolen during your rental period. Learn more about the importance of rental car coverage when traveling.

What does emergency evacuation insurance cover?

The Emergency Evacuation benefit can pay for emergency medical evacuation to the nearest appropriate hospital, or even to your home, if you fall ill or become seriously injured while traveling.  is available for both domestic and international travel, and since it’s a primary benefit, you won’t need to file a claim through your everyday medical insurance […]

Does travel protection cover adventure sports?

Yes, the battleface Single-Trip Discovery, Scout and Multi-Trip Annual plans automatically provide coverage for Adventure Activities, such as cycling, mountain climbing, scuba diving, kayaking, skiing, and more. Also, when you select the Single-Trip Discovery plan’s optional Baggage Package, battleface automatically covers Sporting Equipment such as scuba gear and golf clubs, from loss, damage or delay.

Does travel protection cover flights and airfare?

Yes, travel protection covers flights and airfare as long as you include the cost of the flight(s) when you first purchase your Discovery or  Scout plan. Your travel protection benefits can reimburse you up to a maximum amount if you experience a covered event. The Multi-Trip Annual Plan has set amounts for Trip Cancellation and […]

Does travel protection cover vacation rentals?

Yes, when added to your plan, the Single-Trip Discovery plan can offer a vacation rental damage benefit in case you or the guests traveling with you cause damage to the property you’re staying in. It offers financial protection and peace of mind in case accidental damage occurs while on vacation.

Does travel protection cover pets?

Yes, the battleface Single-Trip Discovery and Scout plans provide an option to add pet coverage to your plan. The pet coverage option provides financial reimbursement if your dog or cat is injured or falls ill during a covered trip. Additionally, battleface pet travel protection can pay to have your pet returned home if you can’t […]

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FRAUD WARNING STATEMENT

FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

ALASKA: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

COLORADO:  It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

FLORIDA:  Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KANSAS: A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

KENTUCKY: 

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND:  Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA:  A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY:

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. 

WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

NEW YORK*:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.