Battleface Travel Insurance Review 2024

Battleface allows you to customize your travel insurance by selecting from various types of coverage based on your specific needs and trip details.

Trip cancellation coverage: With trip cancellation insurance, you can get reimbursed for non-refundable prepaid trip expenses if you need to cancel due to a covered reason listed in the policy—such as illness or injury. Battleface offers “cancel for any reason” coverage for an additional fee.

Travel medical insurance: Travel medical insurance covers emergency medical treatment if you get sick or hurt while traveling. It pays for hospital visits, doctor bills, prescriptions and other care, up to your medical limits within the policy.

Emergency medical evacuation insurance: Emergency medical evacuation insurance pays to transport you to the nearest facility that can provide appropriate care if you need urgent medical treatment not available locally during your trip.

Travel delay insurance: Travel delay insurance gives you reimbursement for accommodations, meals and other expenses if your trip is delayed for a problem listed in your policy, such as bad weather. It also covers unused prepaid expenses for missed parts of a trip. Waiting periods may apply.

Travel interruption insurance: If your trip is cut short due to reasons listed in your coverage (such as a family member getting sick), trip interruption insurance can pay the cost to get you home.

Adventures sports: If during your trip you participate in adventure activities listed in your Discovery policy, travel medical expense insurance applies if you get injured.

Baggage and personal effects coverage: If your luggage or belongings are damaged, lost or stolen during your travels, baggage insurance can reimburse you up, but only up to specified limits and based on the depreciated value of your belongings. Baggage delay insurance can also help you pay for necessities like toiletries and clothing if your luggage arrives late.

Battleface travel insurance policies are underwritten by Spinnaker Insurance Co. and designed to fit a range of needs. The types of policies and add-ons available depend on where you live. But in general, you can choose between these two plans:

	Single Trip Discovery Policy	Multi-Trip Annual Policy
Best for	Those who travel 1 or 2 times per year	Frequent travelers
Trip cancellation	Up to 100% of insured trip cost (up to $20,000)	$1,500, $3,000 or $5,000
Trip interruption	150% of insured trip cost	150% of insured trip cost
Travel delay	$200/day (up to $2,500) with six-hour waiting period	$200/day (up to $1,000) with six-hour delay
Travel medical expenses	$100,000	$250,000
Medical evacuation	$500,000	$500,000
Baggage and personal effects	Up to $2,500	Up to $2,000
Baggage delay	$100/day (up to $500), with 24-hour wait	$100/day (up to $750), with 24-hour wait
Missed connection	$1,000	$1,000
“Cancel for any reason”	Covers 75% of insured trip costs	Not available
Single occupancy (if your travel partner cancels)	Up to 100% of trip cost	Up to $5,000
Pre-existing medical condition exclusion waiver available	Yes (if policy is purchased within 15 days of first trip payment)	Yes (after policy is active for 60 days)
Rental car coverage available?	Yes	No

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Single Trip Discovery Policy

The single-trip plan from Battleface provides coverage for one specific trip up to 90 days in length. When you purchase a policy, you select your exact travel dates and destinations.

The single-trip plan includes important coverage like emergency medical treatment, emergency medical evacuation, trip cancellation and trip interruption. You can also add optional coverage like rental car damage, vacation rental damage, accidental death and dismemberment (AD&D), pet travel and “cancel for any reason.”

The Discovery plan also helps pay for medical costs if you’re injured doing any of the following activities:

• Backpacking.
• Canoeing.
• Camping.
• Cycling.
• Downhill and cross-country skiing.
• Fishing.
• Hiking.
• Ice Skating.
• Kayaking.
• Mountain climbing up to fifteen thousand (15,000) feet.
• Sailing.
• 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.
• Snowboarding (including off-trail and backcountry skiing and snowboarding, except as designated unsafe by the resort management).
• Snowmobiling.
• Snow tubing.
• Tobogganing.
• Water skiing.
• White or black water rafting (Grades one (1) to four (4).

Note that adventure activities are excluded from medical evacuation benefits.

A key advantage of the single-trip option is you can customize the coverage specifically for an upcoming trip. The single-trip plan covers longer trips up to 90 days in length, compared to the 40-day per trip limit on the multi-trip version.

The single-trip plan requires purchasing a new policy for each trip, which may be less convenient if you travel frequently throughout the year. For multiple trips, the multi-trip plan may provide more flexibility and value.

Multi-Trip Annual Policy

When you purchase a multi-trip policy from Battleface, you’re covered for unlimited trips for 365 days. Each trip can be up to 40 days long.

The multi-trip plan includes the same core benefits as the single-trip plan, such as emergency medical coverage, emergency medical evacuation, trip cancellation and trip interruption.

You can select your maximum coverage limit for the year: $1,500, $3,000 or $5,000. If you’re taking a trip that costs more than these limits, Battleface suggests purchasing a single-trip plan.

A key advantage of the multi-trip option is convenience—you can take as many trips as you want knowing you already have coverage in place, without having to purchase a new policy for each trip. The multi-trip plan may also be more economical compared to buying single-trip policies for each individual vacation you take throughout the year.

Space Travel Insurance

Battleface also has a Space Travel Insurance plan for space flights. While statistics are limited for commercial space flight risks, Battleface partners with underwriters at Lloyd’s of London to build a customized protection plan. These plans help cover any catastrophic events that result in death or disability.

The main optional add-ons for Battleface’s Discovery Single-Trip travel insurance policies are:

• Pet travel package: Covers up to $2,000 in veterinary care if your pet gets sick or injured while traveling. Also covers pet transportation home up to $500 if you can’t travel due to illness or injury.
• Rental vehicle damage: Up to $35,000 in coverage for theft of or damage to a rented vehicle.
• Accidental death & dismemberment: Choose a coverage amount up to $500,000 for accidents resulting in loss of life, limbs, eyesight or hearing.
• Vacation rental damage: Reimburses you for damage to personal property in a vacation rental. All traveling companions are covered if they are listed on the rental agreement.
• “Cancel for any reason” upgrade: Get up to 75% refund on prepaid trip costs if you cancel for any reason not covered in the base policy. You must buy this add-on within 15 days of making your initial trip deposit. “Cancel for any reason” travel insurance upgrades typically add 50% to your travel insurance cost. You have to cancel your trip no less than 48 hours before your departure in order to make an insurance claim using this coverage.

Travel benefits vary among Battleface travel insurance plans and so does pricing for each policy. Travel insurance costs generally vary by your age and the trip cost being insured.

Travelers and trip	Cost per trip for the Battleface Discovery plan
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$20
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$48
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$95
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days	$95
Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days	$95
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$233
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$182
Average cost	$110

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Battleface provides 24/7 travel assistance services with all policies. If you need medical or travel help while abroad, you can call the emergency assistance team anytime day or night.

Services include getting help with natural disasters, terrorist attacks, serious injuries, emergency medical evacuations and other support. Having round-the-clock assistance available provides peace of mind when traveling.

Battleface policies, like all travel insurance plans, contain many exclusions around medical issues, unlawful acts and travel to high-risk areas. Know what is and isn’t covered to avoid surprises if you need to file a claim.

• Losses or expenses related to pre-existing conditions (unless you have a waiver).
• Intentionally self-inflicted injuries, suicide.
• War, civil disorder or unrest.
• Mental health disorders without hospitalization.
• Being under the influence of drugs or alcohol.
• Criminal acts.
• Normal pregnancy.
• Traveling for medical treatment.
• Travel supplier restrictions on baggage.
• Pre-diagnosed terminal illnesses.
• Palliative care for conditions likely to cause death within six months.

Battleface Travel Insurance is available in all 50 states, but not every coverage type is available everywhere. For instance, “cancel for any reason” insurance isn’t available to New York residents. Also, Multi-Trip Plans aren’t available to Washington residents. Get a quote online to see which coverage options are available to you.

Here’s what to expect of Battleface’s customer service experience:

• Website: Battleface’s website is user-friendly with an easy quote process and helpful plan information. You can compare policies side-by-side and read FAQs.
• App: Battleface doesn’t have an app.
• Claims: The quickest way to file a claim is through Battleface’s website, although you can also mail in claim forms.
• Customer service: Contact support via live chat, email (usa@battleface.com) or phone (855-998-2928 in Canada and the U.S.). The team is available 24/7 for emergency assistance.

You’ll need your policy number and date of birth to start the claims process. Follow these steps to file a claim with Battleface:

1. Complete a claim form online at battleface.com or print one to fill out. Provide details on the incident, expenses to reimburse and documentation.
2. For non-emergencies, keep receipts and contact Battleface with questions before/during your trip. For emergencies abroad, call Battleface 24/7 assistance services for guidance.
3. Submit the claim form within 20 days of loss (if possible), and supply full documentation within 90 days. Technically, you have up to one year to submit.
4. A claims analyst will review your claim against your policy and communicate the outcome.
5. Check status or ask questions by emailing claims@battleface.com or calling 855-425-7911.

Documentation requirements can vary by claim type. Review your policy documents for specific requirements relating to baggage delay, rental car damage, vacation rental damage or other claims.

Seeing how Battleface compares to other companies can help you decide if it’s the right choice for you. Benefit levels available and cost depend on the travel insurance company, but here’s a look at how Battleface stacks up against some of the best travel insurance companies.

Battleface vs. Travel Insured International

Compared to Travel Insured International, Battleface has a higher limit for trip delay coverage and baggage and belongings coverage. But Travel Insured International has a much higher limit for medical evacuation coverage and much shorter waiting periods for travel and baggage delays. Still, the Discovery plan is $260 cheaper than the Worldwide Trip Protector plan, on average.

Benefit	Battleface Single Trip Discovery	Travel Insured International Worldwide Trip Protector
Trip cancellation	100% of insured trip cost	100% of insured trip cost
Trip delay	$200 per day ($2,500 total) after six-hour delay	$200 per day ($1,500 total) after three-hour delay
Travel medical/evacuation	$100,000/$500,000	$100,000/$1 million
Trip interruption	150% of insured trip cost	150% of insured trip cost
Baggage and belongings	$2,500	$1,000
Baggage delay	$500 after 24-hour wait	$500 after three-hour delay
“Cancel for any reason” reimbursement	75%	75%
Average cost (based on seven sample trips)	$110	$370

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Battlesafe vs. TravelSafe

Comparing Battleface’s Single Trip Discovery to TravelSafe’s Classic policy, we found the two have similar limits for many categories, but TravelSafe Classic has double the coverage for medical evacuation and half the required waiting period for baggage delay benefits to apply. But the Classic plan from TravelSafe is nearly four times the cost of Battleface’s Discovery plan, on average.

Benefit	Battleface Single Trip Discovery	TravelSafe Classic
Trip cancellation	100% of insured trip cost	100% of insured trip cost
Trip delay	$200 per day ($2,500 total) after six-hour delay	$150/day ($2,000 max) after six-hour delay
Travel medical/evacuation	$100,000/$500,000	$100,000/$1 million
Trip interruption	150% of insured trip cost	150% of insured trip cost
Baggage and belongings	$2,500	$2,500
Baggage delay	$100/day (up to $500), with 24-hour wait	$250 with a 12-hour waiting period
“Cancel for any reason” reimbursement	75%	75%
Average cost (based on seven sample trips)	$110	$431

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Battleface vs. Travelex

Battleface’s Discovery plan and the Travel Select plan from Travelex have the same medical evacuation limits, but Battleface has a higher limit for travel medical expenses and baggage and belongings. The Discovery plan also has a much cheaper average cost—it’s about $275 less expensive than the Travel Select plan.

Benefit	Battleface Single Trip Discovery Plan	Travelex Travel Select
Trip cancellation	100% of insured trip cost	100% of insured trip cost
Trip delay	$200 per day ($2,500 total) after six-hour delay	$200/day ($2,000 max)
Travel medical/evacuation	$100,000/$500,000	$50,000/$500,000
Trip interruption	150% of insured trip cost	150% of insured trip cost
Baggage and belongings	$2,500	$1,000
Baggage delay	$100/day (up to $500), with 24-hour wait	$200 with a 12-hour waiting period
“Cancel for any reason” reimbursement	75%	75%
Average cost (based on seven sample trips)	$115	$391

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Battleface is a travel insurance provider founded in 2017 and headquartered in Columbus, Ohio. It offers customized coverage for trips worldwide, with policies available in 61 countries.

Battleface aims to make travel insurance easy to understand, with online quotes and claims filing. It focuses on adventure travel and provides medical expense coverage for those who need coverage for specified high-risk activities.

For our Battleface travel insurance review, we analyzed the average cost for each travel insurance policy for trips to popular destinations for various traveler profiles:

• Couple, age 30, for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.