battleface

Travel Insurance Disruptor, battleface, Launches New Discovery Product with Customized Products Allowing Customers to Purchase Only What They Need

Recent study shows 33% of Americans don’t purchase travel insurance in fear of wasting money on uneccessary policies; New Discovery options make travel insurance simpler/affordable for clients & customizable to their specific travel needs

battleface Inc., the rapidly growing Insurtech known for designing innovative travel insurance products, today announces the launch of their latest product Discovery Travel Insurance. The new product is the first of its kind to launch in the U.S., changing the insurance game by shifting to a modular approach that allows today’s travelers to pick and choose the benefits they need based on their specific travel plans.

The Discovery Travel Insurance launches just as a recent study commissioned by battleface and conducted by Opinium reports that a third of Americans (33%) don’t consider purchasing travel insurance out of fear of spending money on the coverage they don’t need. Furthermore, 21% of responders felt travel insurance policies were not worth the money. The Discovery product addresses these exact concerns by giving the power to the consumer to choose the benefits that meet their needs and only purchase what is necessary. With the travel landscape in continued flux, the number of Americans who still haven’t purchased travel insurance, 44% for international trips and 54% for domestic trips, are at risk of major financial losses.

“At battleface, we pride ourselves on designing products that grow with the travel industry while remaining relevant to our clients,” says Lisa Conway, Chief Underwriting Officer at battleface. “A lot has changed over the last 10 years when it comes to travel, but not much has changed with travel insurance options. Companies continue to offer the same ‘one-size-fits-all’ packages that were designed years ago and don’t always work for today’s travelers. Our Discovery product is changing all of that,” she adds.

Other research findings show 14% of Americans are not purchasing travel insurance because it’s too complicated and 10% are not considering it because it wasn’t tailored to their needs. With instant quotes and the option to choose only what is needed, battleface’s Discovery product makes travel insurance simple and affordable with customized policies that save travelers time and money. The Discovery product allows for common add-ons like Cancel For Any Reason, Baggage coverage, Trip Interruption, or Travel Medical coverage, to unique coverage such as Pet Medical, Rental Car Damage, and beyond.

Interestingly, the study found that one-fifth of Americans believe medical insurance can cover their travel mishaps, which is a common misconception as medical insurance often does not consistently provide the same coverage as travel insurance. The Discovery product does cover Primary Medical coverage inclusive of protection around adventure, extreme, and winter sport. For more active travelers, battleface offers the Explorer Travel Insurance product, which is a great option that protects against severe situations such as Search and Rescue, and Late Night Delays.

battleface’s research did find that younger Americans are purchasing travel insurance at a much higher rate, with 61% of 18-24 year-olds having purchased for international travel, whereas only 32% of those aged 35-64 have done the same. Designed for today’s digital traveler, battleface makes the travel insurance process easier by offering quality products and a robust platform with information, such as up-to-the-minute information about global travel restrictions and requirements, which is powered by Sherpa. The company also prides itself on unmatched customer care with 24-hour emergency travel and medical services with the support of real-time agents.

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

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)

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

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)

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)