Travel Medical Insurance

We provide single-trip travel medical insurance coverage with the benefits and limits listed below.

With the exception of Personal Accident and Personal Liability, all 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.

As you go through our purchase path, you will find an Add-ons section, where you can choose your own limit for Accidental Death & Permanent Total Disability and Baggage Loss or Delay. You can also choose to add Winter Sports and Business Extension cover.

This page is only a summary of our programme. Please read the policy carefully to fully understand the coverage, terms, conditions, limits, and exclusions. This summary does not replace or change any part of the policy. If there is a conflict between this summary and the policy, the policy will control. Based on your primary country of residence, you will be able to find and view appropriate policy documents here.

All benefits and limits are per person, available in USDGBP, CHF and EUR currencies. This product cannot be purchased more than 364 days in advance.

Protect Your Trip with battleface® Travel Insurance

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

Good to know

Am I covered for delay or cancellation caused by adverse weather conditions?

Cancellation cover applies to outward travel only. There is no cover for additional expenses in the event of travel disruption or delays.

My return trip has been delayed, am I covered for any additional expenses?

battleface does provide trip delay cover for all persons included within the policy, terms and conditions apply

Does battleface cover for COVID-19?

Yes, our benefits include cover for medical expenses caused by or resulting from COVID-19 for travellers up to and including age 65. All other benefits remain available as standard for travellers aged one month or over on the date of travel and 79 years or under when the trip, for which this insurance is purchased, finishes.

We do not include cover in relation to COVID-19 expenses for trip cancellations, curtailment of a holiday or lockdowns.

Your documentation says that certain pandemics are excluded from cover, does this mean battleface will not cover COVID-19?

The statement within our product information document is to notify you that certain pandemic viruses are excluded e.g. Ebola. battleface does provide cover for medical expenses incurred by an Insured Person aged 65 years or under for the treatment of COVID-19, SARS-CoV-2 and symptoms thereof, subject to the terms and conditions of the policy.

Am I covered if the resort closes due to COVID-19?

We do not include cover in relation to COVID-19 expenses for trip cancellations, curtailment of a holiday or lockdowns, including resort or piste closures.

Does battleface cover trips to areas where the Foreign Commonwealth & Development Office (FCDO) has advised against travel?

Yes, this product provides full benefits, up to the policy limits, for all destinations including countries under FCDO and government essential and non-essential travel advisories.

Can I claim for lost or stolen baggage?

Yes, battleface includes 2,000 baggage cover as standard and this can be customised up to 5,000.

There are some important limitations to cover that will apply, so please refer to section E of your Policy Document for full details. For example, we will pay a maximum of 250 for each single article, pair or set of items and up to 100 for mobile phones or smartphones. If you are planning to take expensive items such as cameras, e-readers, games consoles, laptops, mobile/smart phones, tablets, jewellery, watches or other Valuables with you then we recommend you have adequate personal possessions cover under a home contents or other insurance policy.

Please note that baggage claims are subject to the excess (deductible) and paid based on the original value of the goods, less a deduction for wear and tear and loss of value based on the age of the goods at the time that they are lost. An original receipt, valuation report or other satisfactory proof of ownership and value is required to support the claim. Evidence of replacement value is not sufficient.

Based on your primary country of residence, you will be able to find and view appropriate policy documents: here

Why is price my different today than when I first quoted my policy?

At battleface we’re always tracking the global travel ecosystem to ensure we’re covering the right risks at the right rates. For example, your destination country is part of our rating algorithm and if that country is high risk when you quote and then is lower risk when you buy, you may see a lower premium for your policy.

What is the battleface Winter Sports Optional Cover?

battleface Winter Sports cover, when selected, covers equipment loss or damage for skiing and snowboarding. It extends the standard benefits of your policy to include claims which may arise when you are participating in winter sports. No cover will apply in respect of Personal Liability claims.

What equipment does Winter Sport cover and for how much?

Equipment includes snowboards, skis, bindings, sticks/poles and boots. Winter Sports equipment is covered up to GBP750 (GBP500 per single article, set or pair). Hired equipment is also covered (GBP300 per single article, set or pair).

Exclusions do apply, so please check the Policy Document for full details.

What is the excess?

The excess for ski equipment is 50 per person or 100 per family for each incident which gives rise to a claim. Standard excesses will apply for the remaining sections of the policy.

Am I covered when skiing off-piste?

Only if you are skiing with a qualified instructor or guide. In all other cases, skiing off-piste will not be covered.

Am I covered for competitive sports?

Participation in winter sports in a professional capacity or on a competitive basis are not covered.

Do you cover extreme Winter Sports?

There is strictly no cover under the terms and conditions of this policy when engaging in freestyle skiing, ski-jumping, ski flying, ski/snowboard-acrobatics, ski snowboard stunting, extreme skiing/ snowboarding, skeleton and luge or any variations.

Do I need to declare my pre-existing conditions?

battleface will not cover any claim arising directly or indirectly from a known pre-existing medical condition. You don’t need to disclose your pre-existing conditions to us when you buy a policy but we may ask for relevant details of your medical history in the event of a claim.

What do you consider to be a pre-existing medical 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

I can’t find travel insurance which covers my pre-existing medical condition, what can I do?

The Money and Pensions Service (MaPS) has launched a travel insurance directory on its website for people with serious pre-existing medical conditions. You can access the directory: here or call 0800 138 7777.

Am I covered for Dental Treatment?

Yes, we will pay up to £500 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. However the policy does not cover for any pre-planned dental treatment or diagnostic procedures. Please see the Policy Document for full details.

I need a policy which covers my whole family, can I get a discount?

We offer a 10% discount as standard when you buy a policy covering more than one traveller. Just add each additional traveller at the quotation stage and the discount will automatically be applied.

Am I covered if I take part in sports and activities during my trip?

This insurance excludes certain sports and pastimes. Please see the Policy Document for the list of Excluded Activities: here

Policy changes and cancelling my policy?

You can change your travel dates any time before you travel and cancellation is free within the cooling off period. For policies with a duration of one month or more, we can offer you a full refund provided you cancel within 14 days of receiving your policy documents and before the start date of your policy.

If you have already embarked on your trip, or need to cancel after the 14 day cooling off period, your premium will be refunded pro-rata from the date your instructions are received, provided you have not made a claim. For travel policies of one month or less, there is no statutory cooling off period so please get in touch with us by emailing [email protected] or calling +44 (20) 80895338 and we will do what we can to help.

Can I extend my policy if I plan to travel longer?

The easiest option would be to buy a new policy, to cover the remaining part of your journey. We strongly advise that you buy cover for as long as you need in one go, although we understand that travel plans may change.

Please note that it would be subject to your continuing to meet the eligibility criteria and the pre-existing exclusion would re-apply at the effective date of your new policy. When purchasing policies while travelling cover will start 24-hours after purchase.

Availability of cover may also be limited by your location at the time of intended purchase and how long you have been there.

Who can buy?

This product is available to legal residents of the following countries: Anguilla, Antigua and Barbuda, Austria, Bahamas, Barbados, Belgium, Bermuda, British Virgin Islands, Bulgaria, Cayman Islands, Cyprus, Czech Republic, Denmark, Dominica, Estonia, Falkland Islands (Malvinas), Finland, French Polynesia, Germany, Gibraltar, Greece, Grenada, Guernsey, Hong Kong, Iceland, Ireland, Isle of Man, Jamaica, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malawi, Malta, Mauritius, Monaco, Netherlands, Norway, Romania, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Slovakia, Slovenia, Sri Lanka, Sweden, Switzerland, Trinidad and Tobago, Turkey, United Kingdom, Vanuatu and Zimbabwe.

Am I eligible to purchase?

This product cannot be purchased more than 364 days in advance. You are eligible to buy if:

  • You are not yet 80 years of age (children aged over one month and not yet 18 years old can either be covered under the same policy as your parent or guardian, or the main policy holder with parental consent); and
  • You have received all immunisations recommended by your home country prior to entry into the host country; and
  • You do not at any time during the Policy Period carry any firearm or any instrument or device designed or intended to cause injury or death to another person unless you have told us in advance, it has been accepted by us and you have paid the appropriate additional premium and you are not an active member of any military or para military force at any time during the Policy Period
  • If for any reason you cannot satisfy all of these criteria, please contact us at
    [email protected] or by calling us on +44 (20) 80895338 and we will do our utmost to find a product to suit your needs

Children under 18 can be the main/only applicant on a policy with parental consent.

Wait, any exclusions?

Yes. In addition to those mentioned above, certain exclusions apply under each section of the policy. There is also a list of general exclusions and general conditions that you need to be aware of. Please refer to our policy documents for a complete summary. Based on your home country of residence, you will be able to find appropriate documents: here

Due to sanctions restrictions imposed by the United Kingdom, European Union, United Nations and United States, it may not be possible for us to provide the full range of cover in one or more of the countries you plan to travel to.

Who is the insurer?

battleface Travel Insurance plans are underwritten by certain underwriters at Lloyd’s of London and, in the EEA, on behalf of Lloyd’s Insurance Company S.A. (“Lloyd’s Brussels”). Lloyd’s Brussels is a subsidiary of Lloyd’s and is authorised by the National Bank of Belgium (NBB). Lloyd’s is the world’s specialist insurance and reinsurance market.

I still have questions

Need answers? Contact us

Full details of battleface plans are set out in our policy documents and summarised in the table of benefits. Based on your home country of residence, you will be able to find appropriate documents: here

Protect Your Trip with battleface® Travel Insurance