battleface

Travel insurance for children

Traveling can be an adventure and when traveling with children you may have unforgettable adventures. However, traveling as a family can add another layer of unpredictability to every vacation abroad. Any parent will tell you that it’s key to be prepared for the unexpected when taking a trip with junior jet-setters. Savvy families vacation with a comprehensive travel insurance policy that protects the whole family and all of their belongings.

Travel insurance providers offer plans that include coverage for every family member. Just be sure to include each family member’s details in your application. With a company like battleface, you can customize your policy so it provides the specific coverage needed to manage the challenges or emergencies that you could potentially face during your trip. Here are six types of protection that many families consider to be must-haves when purchasing travel insurance for children.

 

Travel medical coverage

You might think that travel medical coverage is only for adventure travelers and extreme sports lovers, but having travel medical coverage is crucial for families, especially if you’re traveling out of the country. Be sure to ask your travel insurance provider about coverage for any pre-existing medical conditions.

When you’re thousands of miles from home and your baby spikes a fever or your accident-prone toddler gets injured jumping off the hotel bed, you’ll want to make sure you  can be reimbursed for unanticipated emergency medical costs. After all, your regular health insurance company may not cover you if you’re seeking care outside of the United States. International travel medical coverage can help you find medical assistance 24 hours a day, and even arrange and pay upfront for emergency medical evacuations in a worst-case scenario.

 

Trip interruption

Vacations can be expensive — especially when you’re bringing every family member along.Trip interruption provides reimbursement for your unused, prepaid and non-refundable trip costs if a portion of your trip is missed for a covered reason.

Some of the most common covered reasons are if you or someone you’re traveling with becomes ill, has a medical emergency, or is involved in an accident and you’re not able to complete your trip. Trip interruption also provides protection for non health-related reasons, like strikes, terrorist incidents, or your accommodations become uninhabitable due to a natural disaster.

Since these types of unexpected events can mean making costly last-minute travel arrangements to return home, trip interruption coverage with battleface can pay up to 150% of your trip cost.

 

Cancel for any reason

Most standard travel insurance policies will reimburse you for a canceled trip only in certain instances — such as in case of a death or injury before the covered trip, a natural disaster at home or in your destination, or a terrorist incident. Make sure you check the details of your policy.

If you’d like more flexibility in terms of trip cancellation, consider Cancel For Any Reason (CFAR) coverage. As the name suggests, cancel for any reason coverage means you can cancel your trip for any reason, whether it’s personal financial circumstances, a change in school schedules, or simply the ever popular change of plans.

If you personalize a battleface travel insurance plan with this option, CFAR can reimburse up to 75% (50% in FL) of your non-refundable trip costs. Be aware that there are usually certain requirements to be able to purchase CFAR, such as buying within 15 days of initial trip deposit, and insuring your entire trip cost.

 

Baggage loss or delay

When you’re traveling with children, lost or delayed baggage can cause a serious headache. With a travel insurance policy, you can get reimbursed for the actual cash value of your lost items or the cost of replacement (whichever is less).

Reimbursement may be available if your baggage is damaged in flight, lost by an airline or hotel storage facility, or if your baggage is stolen. And if your baggage is delayed long enough that you must buy replacement items, that cost may also be eligible. If you add baggage loss and delay coverage to travel insurance with battleface, it may also cover the cost to ship your baggage and personal effects to your location if they’re recovered.

 

Rental vehicle coverage

Families are more likely than other travelers to rent a car on vacation, because of the convenience of having your own vehicle and the extra luggage frequently needed when you travel with children. Depending on where you’re headed — and especially if you’re traveling abroad — your everyday car insurance may not cover you in case of accident, damage, or theft.

When you add rental vehicle damage cover to a travel insurance plan with battleface, you’ll be reimbursed up to the maximum amount noted in your policy for unexpected events such as collisions, vandalism, windstorms, fire, hail, and floods.

 

Vacation rental damage insurance

Opting to stay in a vacation rental instead of a hotel is a popular choice for families, especially those traveling with small children. The extra space is good to have and access to your own on-site kitchen adds welcome mealtime flexibility.

Vacation rental damage insurance should always be purchased when you stay at a vacation rental, and here’s why. Most vacation rental booking sites and property owners require a damage deposit, but it’s not usually enough to cover major damage — it’s rarely more than 10% of the rental cost.

Whether your little one accidentally ruins an expensive piece of furniture or you somehow start a fire while cooking, the damage deposit you pay up front may not provide enough protection. What’s more, your renters or homeowners insurance coverage back home may specifically exclude vacation rentals.

With battleface, it’s easy to add vacation rental damage coverage to your existing travel insurance policy, so you can enjoy your family vacation without worrying about unexpected mishaps.

 

Peace of mind for every trip

Busy parents have plenty to do to get ready for a family vacation without having to worry about unforeseen circumstances. Travel insurance with battleface is an affordable way to protect your investment on every family trip, whether you’re heading across the state or halfway around the world. Leave the contingency planning to us, so you can spend as much time as possible enjoying your vacation together.

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)