Discovery Plan
Insurance

Choose your adventures. Choose your coverage.
Introducing battleface’s Discovery Insurance.

Discover what’s important to you.
Discover a better way.

Forget one-size-fits-none insurance products. Instead, enjoy the freedom of choosing the best custom coverage for you and your unique trip. A great option for just about any activity—especially domestic travel in the U.S.—including road trips, camping, hiking, cruises, and more. The best part? Trip Cancellation comes standard with every policy.

Customize with these options:

Cancel for
Any Reason

Trip
Interruption

Trip
Delay

Travel
Medical

Baggage Loss
and Delay

Pet
Medical

Accidental Death
& Dismemberment

Rental Vehicle
Damage

Protect Your Trip with battleface® Travel Insurance

Included Coverage:

Travel Protection Benefits Limits
Trip Cancellation 100% of trip cost (up to a maximum of $20,000)
Single Occupancy Up to trip cost

Optional Coverages:

*not all options are available in all states
Cancel for Any Reason Up to 75% of trip cost
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 – Primary
Travel Medical Expense – Adventure sports included $500,000
$250,000 in FL
$50,000 in NH
$100 Deductible
$50 Deductible in FL
Emergency Dental $750
Emergency Evacuation and Repatriation of Remains Up to $1,000,000
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

Good to know

What’s included?

Please refer to your policy for additional information.

What is Trip Cancellation?

Trip Cancellation is a pre-departure benefit that can reimburse up to 100% of your pre-paid, non-refundable trip cost if your need to cancel your trip for a covered reason. The most common covered reason is unforeseen sickness, injury, or death of the traveler, a traveling companion, or a non-traveling family member, but there are many other covered reasons, such as damage to your home, being laid off from your job, strikes, common carrier delays, extension of the school year, being called to active military duty, terrorist incidents, inclement weather, or a natural disaster. In fact, there are over 20 different covered reasons. Make sure you read your policy carefully for full details.

What does Single Occupancy mean?

If your traveling companion cancels or interrupts their trip for a covered reason, but you’re still going on the trip, the per person occupancy rate cost as a single traveler can increase. This coverage can reimburse you for those extra costs.

Explain Cancel For Any Reason coverage

Cancel For Any Reason coverage is just like it sounds – you can cancel your trip for any reason –change of mind, a bad hair day, whatever. The coverage reimburses up to 75% of your non-refundable trip cost, and you have to purchase your insurance within 15 days of your initial trip deposit in order to be able to add Cancel For Any Reason coverage. What if you cancel your trip for one of the many covered reasons? You can still be reimbursed up to 100% of your non-refundable trip cost.

What is Trip Interruption?

Trip Interruption provides reimbursement for prepaid and non-refundable trip payments if a portion of a trip is missed, or if you must return home early due to unforeseen circumstances, including illness, injury, or death. As with Trip Cancellation, there are a number of covered reasons for Trip Interruption, such as terrorist incidents, strikes, hijacking, mechanical breakdown of a common carrier, a hurricane warning at your destination, and many others. Trip Interruption can also reimburse your additional travel expenses to return home.

Note: the Discovery plan offers Trip Interruption coverage of up to 150% of your trip cost, as your actual loss (when factoring in unused arrangements and extra airfare to return home) can sometimes exceed the original trip cost.

What is Trip Delay?

Travel Delay reimburses the costs of meals, local transportation and accommodations when your trip is unexpectedly delayed for covered reasons.

What is Missed Connection coverage?

If you miss your trip departure due to inclement weather or common carrier delays, Missed Connection can reimburse you for the cost of extra transportation to rejoin the trip, additional local expenses, and the cost of your missed arrangements.

What is Accidental Death & Dismemberment?

AD&D provides a cash payment in the event of accidental loss of life or limb during a covered trip. The Discovery plan gives you the option to upgrade to higher levels of coverage.

What does Baggage Loss or Delay include? What does Sporting Equipment Package Cover?

Baggage and Personal Items Loss provides reimbursement for lost, stolen, or damaged luggage and personal effects.

Baggage Delay provides reimbursement for the purchase of clothing, toiletries, and other essential items if your luggage is delayed for a specified period of time.

Sporting Equipment Package Loss can reimburse you in the event your own sports equipment is lost or damaged during a covered trip.  Sporting Equipment Delay can cover the cost of renting equipment in the event your own equipment is delayed while on the way to your destination.

What does Travel Medical Expense cover?

Travel Medical can reimburse the costs to treat a medical emergency during a trip.

Note: the Discovery plan offers primary Travel Medical coverage, which means we pay first. You don’t have to file a claim with your health insurance. Travel Medical coverage also includes a benefit for emergency dental expenses.

What is Emergency Medical Evacuation?

A Medical Evacuation can be extremely costly and difficult to arrange. Emergency Medical Evacuation coverage can provide coverage for your transportation to the nearest adequate medical facility in the event of a medical emergency during your trip. Our 24-hour assistance team will make the necessary arrangements on your behalf. Repatriation of remains can transport a traveler’s remains back home.

What is Rental Vehicle Damage coverage?

Rental Vehicle Damage provides primary reimbursement for damage to, or theft of, a rental vehicle during a covered trip.

What does Pet Return cover?

If you’re traveling with your pet, and can’t continue due to your sickness or injury, we’ll reimburse you for the cost to return your pet home.

How about Pet Medical coverage?

If your pet becomes sick or is injured while traveling with you, we’ll reimburse you for necessary veterinarian expenses.

What’s the maximum length of coverage for a policy?

The Discovery plan provides coverage for trips up to 90 days in length.

Can I use battleface for travel within the United States?

Yes, battleface plans cover both domestic and international trips.  For domestic travel, you must be traveling at least one hundred (100) miles from your primary residence.

Who is the Insurer?

battleface Travel Insurance plans are underwritten by Spinnaker Insurance Company (an IL Corporation, NAIC #24376). Administrative office is located at One Pluckemin Way, Suite 102, Bedminister, NJ 07921. Plans are administered by battleface Insurance Services LLC, 629 N. High Street 6th Floor, Columbus, OH 43215, a wholly owned subsidiary of battleface, Inc. battleface Insurance Services LLC, National Producer Number is 18731960 (FL License number W522470; L107363 / CA License number 0M75381). Not all insurance coverage or products may be available in all jurisdictions.

Non insurance services are provided by battleface Assist.

What is a Deductible? Can I change my deductible?

That’s the amount you pay before we do. The deductible amount is fixed and can’t be changed.

Am I eligible for battleface insurance?

This plan is not available for travelers over age 85. The main applicant must be 18 or older to apply for insurance. A parent or other legal custodian must apply for coverage for a minor under 18. Children under the age of 18 may be covered as additional travelers. If the child is not yet 1 year old, enter ‘0’.

Residents of Alabama, Alaska, Arizona, Arkansas, Colorado, District of Columbia, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin and Wyoming may purchase this plan.

Are there any exclusions?

Travel insurance doesn’t cover everything as it was designed to provide coverage for unforeseeable circumstances. The information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Coverage may not be the same or available for residents of all states. For a full description of coverage, please carefully read your policy wording here.

Our products and services are not available for trips to Burundi, Central African Republic, Chad, Cuba, Iran, Iraq, Libya, Niger, North Korea, Mauritania, Somalia, Republic of South Sudan, Sudan, Syria, Venezuela, and Yemen.

What Sanctions & Regulations does battleface follow?

Any payments under this policy will only be made in full compliance with all United States of America economic or trade sanction laws or regulations, including, but not limited to, sanctions, laws, and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (OFAC). Therefore, any expenses incurred or claims made involving travel that is in violation of such sanctions, laws, and regulations will not be covered under this policy. For more information, consult the OFAC website at www.treas.gov/offices/enforcements/ofac/ or a travel services provider/insurer representative.

Protect Your Trip with battleface® Travel Insurance