Explorer Plan
Insurance

Love adventure? Don’t settle for ordinary travel insurance.
Step up to the Explorer Plan.

Explore more.
Protect more.

Whether its climbing mountains, skiing slopes, catching perfect waves, or similar adrenaline-pumping activities, adventure travelers love to go big or go home.

So, isn’t it time for bigger and better travel insurance? With batteface’s Explorer Plan, adventure travelers like you can match the thrill of exploration with the thrill of knowing you’re covered if anything goes wrong—including coverage for travel to isolated places, emergency medical treatment, search and rescue, evacuation and accidents, sports equipment, and more.

Customize with these options:

Cancel for
Any Reason

Sporting Equipment
Package

Rental Vehicle
Damage

Vehicle
Return

Search and
Rescue

Accidental Death
& Dismemberment

Protect Your Trip with battleface® Travel Insurance

Travel Protection Benefits

Maximum Limits

Trip Cancellation 100% of trip cost (up to a maximum of $20,000)
Cancel For Any Reason (optional) Up to 75% of trip cost
Trip Interruption 100% of trip cost (up to a maximum of $20,000)
Single Occupancy Up to Trip Cancellation maximum
Trip Delay $500 (and $250 for FL residents) per day maximum, of $2,000 per insured
Missed Connection Maximum of $750 per trip

Property Protection Benefits

Baggage & Personal Effects $2,500 per trip
Deductible: $250 and $50 for FL residents
Baggage Delay $100 per day, up to a maximum of $500

Travel Medical Protection

Travel Medical Expense $100,000 per insured
Deductible: $250 and $50 for FL residents
Hospital Room & Board $200 daily limit
Emergency Dental Up to $750
Deductible: $0
Emergency Evacuation and Repatriation

of Mortal Remains

Up to $100,000

Travel Accident Protection

Accidental Death & Dismemberment $25,000 per insured

Travel Inconvenience Protection (not available for FL residents)

Resumption of Trip Up to $500 per trip
Late Night Delay $500 per trip
Extension of Coverage 3 days prior to departure date and 7 days post return date (per trip)

Optional Coverage

Accidental Death & Dismemberment Up to $100,000
Rental Vehicle Damage Up to $35,000 per rented vehicle
Deductible: $250 for loss greater than $2,000
Rental Vehicle Return Up to $2,500
Search & Rescue Up to $50,000
Sports Equipment Package $2,500 per trip, maximum of $1,250 per item
Deductible: $250 per item
Sports Equipment Delay Up to $100 per day, to a maximum of $500
Pre-Existing Condition Waiver If purchased within fifteen (15) days of initial trip payment

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.

What is Trip Delay?

Trip 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 Explorer 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. This 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 does Resumption of Trip do?

If you must interrupt your covered trip due to unforeseen events but are later able to catch up with your original trip, we’ll reimburse you for those extra costs.

Explain Extension of Coverage

If, due to any of the reasons listed under Trip Cancellation, Trip Interruption or Trip Delay, you have to leave up to 3 days early, or you return up to 7 days late, your policy is automatically extended to cover you for that extra time.

How does Late Night Delay work?

If you did not reach your destination until after 2:00 AM due to a delay caused by a missed connection while on a trip, we will reimburse you for additional local transportation and accommodation expenses.

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

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

What is Search & Rescue?

If you become lost, disoriented, or go missing while participating in a recreational activity during your trip, Search and Rescue coverage reimburses the costs of government-authorized search and rescue teams.

What is Rental Vehicle Damage Coverage?

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

What is Vehicle Return coverage?

We will reimburse you for the cost of returning your owned or rented vehicle back to your residence or the rental agency in the event you or your traveling companion are medically unable to continue the trip.

How does battleface work with my existing insurance?

We will coordinate with your primary insurance first. For example, our medical expense coverage is secondary. During a medical assistance case, we will ask you for your primary insurance carrier information so we can notify them of your claim.

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.

What is Adventure Sports Coverage?

Provides coverage for many sports activities which would otherwise be excluded. These include leisure and non-professional sports activities in cycling, mountain climbing up to fifteen thousand (15,000) feet, fishing, scuba diving for qualified divers up to a maximum depth of forty (40) meters (one hundred thirty-one (131) feet) and for unqualified divers up to a maximum depth of thirty (30) meters (ninety-eight (98) feet), snorkeling, white- or black-water rafting (grades one to four), canoeing, kayaking, water skiing, camping, hiking, backpacking, and sailing.

Winter sports include downhill and cross-country skiing, snowboarding, off-trail and back-country skiing and snowboarding, snowmobiling, tobogganing, snow tubing, and ice skating, except where designated unsafe by resort management.

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 79. 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, Indiana, 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, Vermont, 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, Mauritania, Niger, North Korea, 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.

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.

Protect Your Trip with battleface® Travel Insurance