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Multi-Trip Annual Plan

Annual Multi Trip Plan

Travel confidently with comprehensive cover.
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Comprehensive coverage for 365 days

Travel insurance made to work for your needs without confusing, hard-to-understand coverage.

Trip Cancellation

Cancellation cover applies if You have booked a Trip to take place within the Period of Insurance, but You are forced to cancel Your travel plans because of changes in circumstances, which is beyond Your control, and of which You were unaware at the time You booked the Trip.

Covers up to £2000 per person per trip.

We will reimburse up to the amount shown in the Schedule of Benefits for financial loss You suffer, being non-refundable deposits and amounts You have paid for travel and accommodation You do not use because of Your inability to commence travel or complete the Trip due to unforeseen circumstances, including illness, injury, or death. Covers up to £2000 per person per trip

Curtailment cover applies if You are forced to cut short a Trip You have commenced, and return to Your Home Country, because of one of the following changes in circumstances being beyond Your control and of which You were unaware at the time You booked the Trip.Curtailment claims will be calculated from the date You return to Your Home Country.

Provides £2,000 of coverage per policy which can cover you for the cost of extra transportation to rejoin the trip, additional local expenses, and the cost of missed arrangements. Limitations apply.

Baggage and Personal Effects

Up to £2000 per policy for reimbursement of lost, stolen, or damaged luggage, sporting equipment and personal effects. £100 excess applies.

Any claim relating to Baggage delayed at any other time during Your Trip or on Your return journey to Your Home Country will not be covered in this policy.

Travel Medical Expense

Up to £10,000,000 per policy for the costs to treat medical emergencies, including COVID-19, during your trips. £100 excess applies.

We will pay up to the amount shown in the Schedule of Benefits (for the cover level as shown on Your Policy Certificate) for each Insured Person for the costs of providing necessary temporary treatment for the immediate relief of pain or discomfort, and/or emergency repairs to dentures and orthodontic appliances carried out solely to alleviate distress in eating.

GBP 25 per day, maximum GBP 100

Up to the value highlighted in the benefit section emergency medical expenses includes transporting you to the nearest adequate medical facility, or home, in the event of a medical emergency during a covered trip.

Robin Assist

Robin Assist is our travel emergency assistance team, worldwide, available 24/7, providing optional services any time you need it. To learn more please click here.

Whether you’re skiing, scuba diving or mountain climbing, battleface is there for you. Additional premium applies. See policy for full details.

Any claims arising directly or indirectly as a result of any Pre-existing Medical Conditions will not be covered.  

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

  1. 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);
  2. medical advice or treatment for any respiratory condition relating to the lungs or breathing;
  3. medical advice or treatment for any heart, stroke or diabetic condition.

battleface covers losses due to COVID-19. Restrictions apply. View our COVID-19 statement for more details.

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FAQ

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Multi-Trip Annual

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

battleface single-trip travel medical policies provide cover for a single trip and can be purchased up to 365 days in advance. Some of the benefit limits are adjustable and you can add optional extras such as Sports and Activities cover.

The Annual Multi-Trip Travel Medical policy is a comparable package of benefits but is best suited for those who love to travel spontaneously, or take multiple trips per year.

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

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

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How many trips per year am I covered for?

There is no limit to the number of trips you can take each 365-day period. Note that the benefit limits shown within the policy document are per annual plan, not per trip . The maximum covered length for any one trip is set as standard to 31 days, but you can upgrade this limit to 62 or 92 days.

 

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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 plan is valid the entire 12 months.

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

Pretty much! There are a few countries and regions where we can’t offer cover. These are detailed on your policy document and insurance certificate.

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What is a Pre-Existing Medical Condition, and can I get coverage for it on the Multi-Trip Annual Plan?

A Pre-exiting Medical Condition is any Medical Condition that, within the last 12 months, required any:

  1. 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);
  2. medical advice or treatment for any respiratory condition relating to the lungs or breathing;
  3. medical advice or treatment for any heart, stroke or diabetic condition.

If you, a family member, or a traveling companion have a pre-existing medical condition you need to be aware that many travel medical insurance policies 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 will not be covered.

 

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

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

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Who is the Annual Multi-Trip Travel Medical policy best suited for?

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 benefits
  • COVID-19 medical and cancellation cover
  • Available coverage for Pre-Existing Medical Conditions
  • Optional Sports & Activities cover
  • 24/7 Worldwide Travel Assistance
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I notice that the maximum Trip Cancellation limit for the Multi-Trip Annual plan is £2,000. Is that per-trip, or for the entire year?

The limits shown for the Multi-Trip Annual plan are the aggregate maximum limits for the plan year. Cancellation limit is based on per person per trip.

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What if I think I might be taking one or more trips with a value greater than £2,000?

We would encourage you to purchase a single-trip plan, instead of the Multi-Trip Annual plan, to ensure you have sufficient coverage in the event you need to cancel or interrupt your trip.

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Can I purchase both a Multi-Trip Annual plan and a Single-trip plan to cover the same trip?

We don’t recommend it. It’s more cost-effective for you to select one plan or the other. In the event of a claim, only the policy with the highest benefit limits would apply.

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PRE-EXISTING MEDICAL CONDITION

Pre-Existing Medical Condition means an illness, disease, or other condition during the 180 day period immediately prior to the date Your coverage is effective :
  1. received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; or
  2. took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 180 day period before coverage is effective under this policy.
  3. required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped and/or new medications have been prescribed due to the worsening of an underlying condition that is being treated with the medication, unless the change is:
    1. between a brand name and a generic medication with comparable dosage; or
    2. an adjustment to insulin or anti-coagulant dosage.
If you, or someone you are traveling with, has a Pre-Existing Medical Condition, you can still buy a policy from us but there is no cover for any claim arising directly or indirectly from that condition.

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

Coverages Available:

*not all coverages are available in all states
Travel Protection Benefits Limits
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(CFAR not available to NY residents)
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

How many trips are you looking to insure?

A single trip

Customizable coverage for a single trip

Multiple trips

Annual coverage plan for frequent travelers

Travel Medical Insurance

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.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section F 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

Travel Medical Insurance

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.

Benefits Limits
Trip Interruption 2,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 5,000
Baggage Loss or Delay up to 2,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250) *** Limited to 250 in respect of cash
Personal Liability 500,000
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Personal Accident up to 250,000
Baggage up to 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

Travel Medical Insurance

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.

Benefits Limits
Cancellation up to $20,000
Trip Interruption $1,000
Medical and Emergency Expenses $5,000,000 (deductible $250)
Hospital Benefit $25 per day, maximum $100
Personal Accident up to $50,000
Baggage $2,000 (deductible $250)
Personal Money and Passport, limited to $250 in respect of cash $500 (deductible $250)
Personal Liability $500,000
Optional Benefits Limits
Business Extension up to $1,000 (deductible $100)
Winter Sports (Ski Equipment) up to $750 (deductible $50 or $100)
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 and Winter Sports is not available for those aged 75 years or over
  • Medical and Emergency Expenses are limited to $50,000 within Canada if you are not covered by government health insurance plan (GHIP) at the time of your claim

Travel Medical Insurance

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.

Benefits Limits
Cancellation and Curtailment 5,000
Emergency Medical Expenses, Evacuation and Repatriation of Mortal Remains 10,000,000 (excess 250 or 50)
Hospital Benefit 25 per day, maximum 100
Personal Accident up to 250,000
Baggage Loss or Delay up to 5,000 (excess 250 or 50)
Personal Money and Passport, limited to 250 in respect of cash 500 (excess 250 or 50)
Personal Liability 500,000
Travel Delay 500
Optional Benefits Limits
Business Extension up to 1,000 (excess 100)
Winter Sports (Ski Equipment) up to 750 (excess 50 or 100)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section F 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

How many trips are you looking to insure?

A single trip

Purchase your individual policy by adding business extension

Multiple trips

Customisable annual policy for groups with employees who are frequent travellers