battleface

GET QUOTE
GET A QUOTE

What is battleface?

battleface: not your typical travel insurance company.

Leading the Way to Build the Future of Travel Insurance

We identified critical problems and have built (and are building) better solutions

For years, travel insurance had stagnated. An industry that had long been categorized as tech laggards was in need of a significant overhaul. Policy confusion ran unabated, and a market flooded with one-size-fits-all plans that didn’t match the reality of modern travel.

Even worse, the travel insurance process, in general, was frustrating for customers. From buying a plan to filing a claim, travelers often found themselves stuck in the middle, dealing with different companies at each step. None of whom seemed to communicate or coordinate with each other.

We saw this gap and knew there was a better way forward.

Building battleface: The Way Forward to Fix a Broken System

We originally launched in January 2018, built by a team with decades of experience not just in travel insurance, but also emergency medical services, claims handling, and travel technology.

The mission was simple: create relevant travel insurance (products, processes, and services) that works for all the unique ways travelers see the world.

Why did we do this? Because a business traveler flying from New York to London shouldn't be offered the same insurance plan as someone trekking through the Amazon Rainforest. The coverage wasn't designed for the trip itself, causing a deterioration in value making plans more and more un-personalized and irrelevant.

- sasha gainullin, ceo

Technology and Underwriting: We Built an Innovative Tech Platform Allowing Insurers to Price Risk in Real-Time

Traveler's Home Country

Destinations & Duration

Travelers'
Age

Planned Activities

With these key factors and innovation at the intersection of technology and underwriting, coverage became tailored to the actual PERSON and THEIR trip, solving one of the industry’s largest issues.

What's your unique story?

We'd love to hear your story and how we can work together to continue building a better future for travel insurance.

Reach Out

How battleface Grew During the COVID-19 Global Pandemic

Two years in to starting battleface, the travel and travel insurance industries were shaken to its core when the world shutdown in March of 2020.

In 2020 and 2021, travel was at all-time lows. But battleface was able to gain marketshare during this time as one of the few travel insurers able to adapt to continue offering coverage.

How? Many insurers either stopped offering coverage or inflated premiums and priced themselves out of the market. The battleface technology matured in those two years leading up to COVID-19 with enhanced flexibility to allow for real-time pricing adjustments based on pandemic exposure and destination risk. 

Suddenly, we found ourselves in front of millions of travelers searching for coverage.

With this surge in demand, it enabled accelerated growth and led us to:

  • Rapid global expansion across the UK, EU, USA, Canada, and Australia/New Zealand
  • Investment from top venture capital firms
  • A shift from direct-to-consumer to a partner-driven model in 2022

Growth Enabled a New Era: Partner-Driven Embedded Insurance

As we shifted our strategy towards a partner distribution model, we recognized that one-size-fits-all travel insurance wasn’t just a problem facing travelers: it was also a challenge for travel brands, financial institutions, and (other) insurance providers.

The main issue plaguing our partners was diminishing [travel insurance] attachment rates. While there could be a myriad of factors impacting this, the reality was, travel had fully rebounded and there was no other explanation for the attachment decrease other than the product.

We had the opportunity to put our solutions to the test with partners to offer plans within their environment fit to their travelers’ needs. We started by doing one simple but company altering thing.

We Unbundled Traditional Travel Insurance Benefits Allowing Partners Unparalleled Product Customization

Customize + Embed

Hyper-relevant products placed directly in the booking path to optimize attachment.

Build + Modify

Built based on specific audience segment criteria to maximize ancillary revenue.

A/B Testing

Easily determine which benefits travelers value most based on buying behavior.

Lifetime Value

Product relevance combined with exceptional post-purchase CX extends LTV.

Through this approach, partners could finally provide tailored, relevant insurance, leading to better customer experiences and increased revenue.

Curious to learn more? Here is a sample of a pitch deck that helped us win two major RFPs in 2024.

Know more about battleface by visiting these other partner resource pages

Picture of Clay
Clay
SHARE POST

Protect your trip with
battleface travel insurance

GET A QUOTE

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.