Where did the name ‘battleface’ come from?
Any type of travel requires preparation and determination. Having insurance that won’t quit when the going gets tough, means travelers of all types can focus on the fun, and face any obstacles with confidence.
How is battleface different from other travel insurance plans?
battleface provides customized travel insurance for travelers who need more than ordinary insurance. Unlike most travel insurance plans, battleface provides its own 24/7 emergency travel and medical assistance services, benefits for adventure activities, and remote destinations.
Who are your customers?
We cater to all types of travelers: people on vacation, business trips or adventure travelers, freelancers, and more.
Do you work with groups?
Yes. We customize and develop plans specifically for commercial and non-commercial organizations, institutions and associations for groups of people who travel, live and work internationally. Please visit our B2B page for groups here.
Who are your distribution partners?
We work with companies across tech, insurance, travel and finance industries. Our underwriting team has the ability to custom build products for our partners and their customers. For more information, please visit our partner page here
Can I see policy documents prior to purchase?
You can easily find relevant policy documents and other details regarding our products and services. To view, click here.
Who is the insurer behind battleface?
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.
What is travel insurance?
Travel insurance protects you from financial losses you could incur while traveling, either domestically or internationally. Travel insurance is a standalone policy purchased on a per-trip basis, with costs varying based on factors like your age, the length of trip, activities you’ll be participating in, and how much you spent on the trip.
Trip insurance can cover you for everything from minor inconveniences, like missed airline connections or damaged luggage, to major crises, like emergency medical evacuation in a life-threatening situation. Depending on the terms of your policy, you can be reimbursed up to a certain amount for costs incurred when your vacation plans take a turn for the worse. Plus, travel insurance companies also provide 24/7 assistance to help you navigate emergency situations. Learn more about the ins and outs of travel insurance.
Why do I need travel insurance?
Despite your best-laid plans, sometimes the unexpected happens when you’re traveling. That’s where travel insurance comes in handy. A travel insurance policy gives you peace of mind for your trip, whether you’re vacationing, traveling for business, or even as part of an organized tour group.
And it’s more than just peace of mind. Travel insurance provides financial protection if your travel plans change unexpectedly or an emergency happens. That includes everything from reimbursing you for lost baggage, recouping costs when you have to cancel a trip unexpectedly, or even, in a worst-case scenario, providing medical evacuation in case of injury or serious illness. Learn more about why you need travel insurance.
What does travel insurance cover?
Travel insurance coverage can be bucketed into three main categories: financial reimbursement, travel medical coverage, and 24-hour assistance.
The most common type of travel insurance claim is the financial type. You can submit a claim for costs incurred due to things like needing to cancel your trip (for a covered reason), trip delay or interruption, missed connections, or lost baggage.
Travel medical coverage is an especially important benefit if you’re traveling abroad and your everyday health insurance won’t cover you. Some plans provide primary coverage for medical care you need during your trip.
How can I get travel insurance?
With battleface, you can get an instant quote online. Your best bet is to purchase it as soon as possible after finalizing your travel plans. Just answer a few questions about yourself, where you live, where you’re headed, and how much you’ve spent on the trip. From there, you can customize your coverage, add in extra protection like Cancel for Any Reason coverage or rental car insurance.
What does travel insurance not cover?
While travel insurance provides coverage for a wide range of unexpected events, it’s important to know what’s not included. Be sure to read the specific details of your policy, but generally speaking, travel insurance won’t cover anything that doesn’t fall under “unforeseen circumstances.” You’ll also find exclusions on trips to certain countries or on participation in certain extreme sports.
When should I buy travel insurance?
The best time to buy travel insurance is immediately after making your first payment or deposit for your trip, whether that’s a hotel reservation, airline ticket, or tour package. If you have a pre-existing medical condition, you may receive an exclusion waiver if you purchase your policy within 15 days of your initial trip payment.
Of course, better late than never. You can buy a battleface travel insurance policy up to the day before your departure and still enjoy peace of mind for your vacation.
How much is travel insurance?
On average, travel insurance costs between 4-8% of your total trip cost, but your individual policy cost may vary based on factors like age, trip cost, and trip length.
battleface travel insurance policies are customizable, so you can adjust your coverage to meet your needs, and your budget. Learn more.
How much travel insurance do I need?
How much and what type of coverage you need depends on the details of your trip. battleface travel insurance’s Discovery plan is modular and allows you to add coverage for some of the most common travel woes, like trip interruption, trip delay, lost baggage, and travel medical care. But, you can also add on coverage for things like rental car protection, pet coverage, or Cancel For Any Reason.
Does travel insurance cover pets?
Yes, battleface travel insurance provides an option to add pet coverage to your policy. The pet coverage option provides financial reimbursement if your dog or cat is injured or falls ill during a covered trip. Additionally battleface pet travel insurance will pay to have your pet returned home if you can’t continue your trip due to sickness or injury. That even includes the cost of an attendant to accompany your pet home, if necessary.
Does travel insurance cover vacation rentals?
Yes, when added to a policy, travel insurance covers vacation rental damage insurance in case you or the guests traveling with you cause damage to the property you’re staying in. It offers financial protection and peace of mind in case accidental damage occurs while on vacation.
Does travel insurance cover COVID-19?
Travel insurance provides specific coverage related to the COVID-19 pandemic, including:
- Travel medical expense, emergency evacuation, and repatriation of remains if you or a traveling companion require medical treatment or emergency evacuation due to COVID-19-related sickness while on a covered trip.
- Trip cancellation, trip interruption, and trip delay benefits if you, a traveling companion, or a family member develop an unforeseen COVID-19-related sickness before or during your covered trip and meet the policy requirements for coverage due to sickness.
Your policy won’t include coverage for expenses incurred due to stay-at-home orders or precautionary isolation ordered by local health authorities upon arrival at your destination.
If you become ill with COVID-19 while traveling, your travel medical coverage will cover you, just as it would for any other illness.
Does travel insurance cover COVID testing?
If you contract COVID-19 while traveling and require medical treatment (including testing) during your trip, it would be covered through your policy’s travel medical coverage. However, routine testing required to enter or leave another state or country is not covered under your policy.
Does travel insurance cover COVID quarantine?
If you are diagnosed with COVID-19 and required to quarantine, you may have coverage under your policy. If you contract COVID-19 in your destination, your trip delay coverage may cover additional expenses you incur. If you contract COVID-19 before your trip (and after you’ve purchased your policy), you will be covered under your trip cancellation benefits.
Note that stay-at-home orders and isolation due to potential COVID-19 exposure aren’t covered.
Does travel insurance cover flights and airfare?
Yes, travel insurance covers flights and airfare as long as you include the cost of the flight(s) when you first purchase your policy. Your travel protection benefits will reimburse you up to a maximum amount if you experience a covered event.
Note that there are some exclusions for pre-existing conditions. Please read your policy carefully.
Does travel insurance cover medical issues?
Yes. battleface travel insurance offers coverage for travel medical expenses, dental expenses, and emergency evacuation if you become ill or seriously injured during the course of your covered trip.
Does travel insurance cover lost passports?
Yes, if selected, your travel insurance policy will provide trip cancellation, trip delay, or trip interruption coverage if your passports, travel documents, or visas are lost or stolen during your trip, or within 14 days of departure. Benefits may also cover the cost to replace travel documents, but only up to a certain amount. Plus, our travel assistance team is available 24/7 to help you figure out how to get your documents replaced.
Does travel insurance cover adventure sports?
Yes, the battleface Discovery plan automatically provides coverage for Adventure Activities, such as cycling, mountain climbing, SCUBA diving, kayaking, skiing, and more. Also, when you select the optional Baggage Package, battleface automatically covers your Sporting Equipment, such as scuba gear and golf clubs, from loss, damage or delay
What does emergency evacuation insurance cover?
Emergency Evacuation insurance can pay for emergency medical evacuation if you fall ill or become seriously injured while traveling. Emergency Evacuation insurance is available for both domestic and international travel, and since it’s a primary benefit, you won’t need to file a claim through your everyday medical insurance and wait to be reimbursed.
Does travel insurance cover rental cars?
Rental car coverage is available as an add-on to your general travel insurance policy. It covers damage to the vehicle you’ve rented, whether it’s caused by a collision, extreme weather, vandalism, or if it’s stolen during your rental period.
Learn more about the importance of rental car coverage when traveling.
What is Cancel For Any Reason insurance and what does it cover?
Just as the name implies, cancel for any reason insurance allows you to cancel a covered trip for any reason and recover a percentage of your non-refundable trip costs. Coverage is typically 50-75% of the total insured trip cost.
Unlike standard travel insurance policies that will only reimburse you for a canceled trip in certain scenarios, cancel for any reason insurance provides maximum flexibility and peace of mind if your travel plans are likely to change.
Does travel insurance cover terrorism?
Acts of terrorism are covered as long as the US Department of State has deemed an act of violence to be terrorism. Trip cancellation, trip interruption, travel medical, and emergency evacuation coverage are all valuable in a terrorist situation.
Keep in mind that acts of war, civil disorders, and riots are not considered terrorist incidents. battleface does not offer coverage in certain countries.
Does travel insurance cover hurricanes and other natural disasters?
Yes, travel insurance protects you in case of a natural disaster either in your destination (leading up to your trip or while you’re on vacation) or a natural disaster at home that prevents you from being able to take your trip.
Keep in mind that there are certain limitations for hurricanes. You must have already purchased your travel insurance before the hurricane is headed for your destination.
What is accidental death and dismemberment insurance and what does it cover?
Accidental death and dismemberment insurance (AD&D) provides a cash payment in the event of accidental loss of life or limb during a covered trip. When you purchase this add-on, you’ll name a beneficiary.
Does travel insurance cover trip cancellation?
Most travel insurance is sold in a bundled fashion, but battleface allows you to pick and choose what you want. If selected, trip cancellation protects you if you need to cancel your trip unexpectedly for specific reasons including an unexpected death, illness, or medical condition; transportation issues like airport closures, traffic accidents, or strikes; major weather issues or natural disasters; adoption-related travel, issues of personal safety and security in your destination, and certain employment-related scenarios.
Be sure to read your policy details, and if you’d like additional coverage, consider cancel for any reason coverage.
Does travel insurance cover trip delays?
Yes, your travel insurance policy will reimburse you for certain expenses you incur if your trip is delayed for a defined period of time. That can include things like hotel accommodations, meals, and local transportation. Be sure to keep your receipts. Learn more about trip delay insurance.
Does travel insurance cover trip interruption?
Yes, your policy covers trip interruption, meaning a situation where you have to return early from a trip due to specific unforeseen circumstances. In these cases, your trip interruption insurance will help you recoup the unused portion of your trip costs, as well as extra transportation expenses required to return home. Learn more about trip interruption insurance.
Does travel insurance cover lost baggage?
Yes, travel insurance protects you if your baggage is lost, damaged, or stolen at any time during your trip. There’s typically a maximum payout per trip and, and there may be a small deductible. Learn more about baggage coverage.
Does travel insurance cover cruises?
Yes, you can take out a travel insurance policy for a cruise vacation. Cruise vacations can be expensive, and generally require large up-front deposits, plus, have stringent cancellation penalties
Does travel insurance cover business trips?
Yes, you can take out a travel insurance policy for both business trips and leisure vacations.
What is a pre-existing medical condition, and how can I get coverage for it?
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 most travel insurance 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 battleface, if you purchase your travel insurance policy within 15 days of making your initial trip payment, we’ll give you a pre-existing medical condition exclusion waiver. This can be a complicated subject, so make sure you read the policy, and contact battleface if you have particular questions about pre-existing medical conditions.
What happens in case of emergencies?
How do I file a claim?
If something happens during your trip and you want to use your travel insurance, you’ll need to file a claim to be reimbursed. Here’s more info on how to start a claim.
Here’s some general background. Let’s say your baggage is delayed and you need to buy clothes and toiletries. You would submit a claim (keep your receipts) to seek reimbursement.
We recommend bringing a print out of your plan documents with you when traveling so if you are affected by a storm and lose power or can’t connect to the Internet, you’ll still know what number to call and what instructions to follow.
You may contact us directly to file your claim through our 24/7 emergency medical and travel assistance department:
Chat to us from the website
Email: [email protected]
Traveling with a Group of 10 or More?
What sanctions and 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.
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 Afghanistan, Belarus, Burundi, Central African Republic, Chad, Cuba, Iran, Iraq, Libya, Niger, North Korea, Mauritania, Somalia, Republic of South Sudan, Russia, Sudan, Syria, Ukraine, Venezuela, and Yemen.
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.
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.