battleface

Multi-Trip Annual Plan

Travel confidently with a full year of comprehensive coverage

Comprehensive coverage for 365 days

Travel insurance made to work for your needs without confusing, hard-to-understand coverage.
Trip Cancellation

Protects the financial investment for your trips in case you must cancel for a covered reason. Three levels of coverage are available: $1,500, $3,000, or $5,000 per policy.

Up to 150% of the Trip Cancellation limit, to reimburse your pre-paid and non-refundable trip cost if a portion of a trip is missed, or if you must return home early due to unforeseen circumstances, including illness, injury, or death.
Provides reimbursement up to 100% of your trip cancellation costs, up to your Trip Cancellation maximum, if your traveling companion cancels or interrupts their trip for a covered reason and you still choose to go but have additional costs.
Up to $200 per day and $1,000 per policy to provide coverage for the costs of meals, local transportation and accommodations when your trip is unexpectedly delayed for covered reasons.
Provides $1,000 of coverage per policy which can cover you for the cost of extra transportation to rejoin the trip, additional local expenses, and the cost of missed arrangements.
Baggage and Personal Effects
Up to $2,000 per policy for reimbursement of lost, stolen, or damaged luggage, sporting equipment and personal effects. $100 deductible applies ($50 in FL).
Provides up to $100 per day, to a maximum of $750 per policy to cover the purchase of clothing, toiletries, and other essential items if your luggage is delayed for a specified period of time.
Travel Medical Expense
Up to $250,000 per policy ($50,000 for residents of NH) for the costs to treat medical emergencies, including COVID-19, during your trips. $100 deductible applies ($50 in FL). Includes coverage for Adventure Activities.
Up to $750, $0 deductible.
$200 per day while you’re in the hospital.
$500,000 for transporting you to the nearest adequate medical facility, or home, in the event of a medical emergency during a covered trip. Primary coverage, plus includes coverage for Adventure Activities.
Robin Assist

Robin Assist is our travel emergency assistance team, worldwide, available 24/7, providing optional services any time you need it. To learn more please click here

Whether you’re skiing, scuba diving or mountain climbing, battleface is there for you. See policy for full details.

Pre-Existing Medical Conditions are covered after the policy has been in effect for 60 days. See policy for full details.

battleface covers losses due to COVID-19. Restrictions apply. View our COVID-19 statement for more details.

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Multi-Trip Annual

The Discovery Plan gives you the ultimate flexibility to choose only the coverages you need for a single trip, depending on your destination, activities and trip cost. The Multi-Trip Annual Plan is a comprehensive package of coverages that are perfect for those who travel spontaneously, or take more than two trips per year.

There is no limit to the number of trips you can take each 365-day period. Note that the coverage limits described are per annual plan, not per trip. The maximum covered length for any one trip is 40 days.

There’s no need to notify us! Go ahead and plan your trip, knowing that your battleface plan is valid the entire 12 months.

You may select a start date for your plan up to 180 days into the future.

Pretty much! There are a few countries and regions where we can’t offer coverage or services: Afghanistan, Belarus, Burkina Faso, Central African Republic, Chad, Crimea, Cuba, Donetsk, Haiti, Iran, Islamic Republic of, Iraq, Israel, Lebanon, Libya, Luhansk, Mali, Mauritania, Myanmar, Niger, North Korea, Russian Federation, Somalia, South Sudan, Sudan, Syrian Arab Republic, Ukraine, Venezuela, Bolivarian Republic of, Yemen

Use our handy Travel Tool to easily find entry regulations and COVID-19 travel requirements for your next destination.

If you, a family member, or a traveling companion have a pre-existing medical condition, such as heart disease, diabetes, autoimmune disorders, or other conditions, you need to be aware that many travel protection plans exclude any losses resulting from that condition. If you have to cancel or interrupt your trip due to that condition, or if you become ill with that condition while traveling, you may not have coverage.

With the battleface Multi-Trip Annual Plan, the Pre-Existing Medical Condition Exclusion is waived after the plan has been in force for 60 days. This can be a complicated subject, so make sure you read the plan, and contact our team if you have questions about pre-existing medical conditions.

It’s the perfect, budget-friendly plan for people who like to travel frequently or spontaneously. The Multi-Trip Annual Plan offers you a full range of benefits, including:

  • A comprehensive range of coverages
  • Coverage for sickness due to COVID-19
  • Available coverage for Pre-Existing Medical Conditions
  • Coverage for Adventure Activities
  • Worldwide Travel Assistance

The limits shown for the Multi-Trip Annual plan are the aggregate maximum limits for the plan year.

We would encourage you to purchase a single-trip Discovery plan, instead of the Multi-Trip Annual plan, to ensure you have enough coverage in the event you need to cancel or interrupt your trip.

We don’t recommend it. It’s more cost-effective for you to select one plan or the other. It’s important to evaluate your travel plans for the year before taking an annual plan. If you did not initially anticipate taking a single trip with a value greater than $5,000, you would benefit from also taking a single trip plan to fully protect your trip cost. Please note, in the event of a claim, only one plan (the plan with the highest limits) would apply. Contact us if you have any questions about which plan is best for your particular circumstances.

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)