Battleface’s Scout policy stands out for its low average cost. If you value a low price over lots of add-on options and high coverage limits, the Scout plan is worth considering. It is sold only at CompareCoverage.com.
Travelers who want more robust coverage and/or who plan to participate in adventure sports should take a look at Battleface’s Discovery policy, which is sold at the company’s website. This policy is fully customizable, allowing you to subtract coverage types that you don’t want.
Battleface Travel Insurance Plans
In addition to the Scout policy, Battleface provides customizable travel insurance tailored to frequent travelers and adventure activity enthusiasts alike. With its build-your-own modular plan, you can select the coverages you need from options like emergency medical, evacuation, trip cancellation, baggage and adventure sports. It offers single-trip and multi-trip policies.
Battleface Single Trip Travel Insurance
You can customize your Single-Trip Discovery plan, but here are key benefits of the standard offering, along with those for the Scout plan.
| Benefit | Scout | Single Trip Discovery Policy |
|---|---|---|
Trip cancellation | 100% of insured trip cost | 100% of insured trip cost |
Trip interruption | 125% of insured trip cost | 150% of insured trip cost |
Travel delay | $150/day (up to $1,000) with six-hour waiting period | $200/day (up to $2,500) with six-hour waiting period |
Travel medical expenses | $100,000 | $100,000 |
Medical evacuation | $300,000 | $500,000 |
Baggage and personal effects | $1,000 | $2,500 |
Baggage delay | $500 with 24-hour wait | $100/day (up to $500), with 24-hour wait |
Missed connection | Not included | $1,000 |
“Cancel for any reason” | Covers 75% of insured trip cost | Covers 75% of insured trip costs |
Single occupancy (if your travel partner cancels) | Up to 100% of trip cost | Up to 100% of trip cost |
Scout Policy
The Scout policy provides core benefits found in many standard travel insurance plans, and is for trips up to 90 days. You can add:
- Accidental death and dismemberment coverage of $25,000, $50,000 or $100,000.
- CFAR upgrade.
- Rental car coverage of $35,000.
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.
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.
Battleface Multi-Trip Travel Insurance
The single-trip plans require 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 provides more flexibility and value.
| Multi-Trip Annual Policy | |
|---|---|
Best for | Frequent travelers |
Trip cancellation | $1,500, $3,000 or $5,000 |
Trip interruption | 150% of insured trip cost |
Travel delay | $200/day (up to $1,000) with six-hour delay |
Travel medical expenses | $250,000 |
Medical evacuation | $500,000 |
Baggage and personal effects | Up to $2,000 |
Baggage delay | $100/day (up to $750), with 24-hour wait |
Missed connection | $1,000 |
“Cancel for any reason” | Not available |
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.
Battleface Travel Insurance Optional Add-ons
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.
Cost of Battleface Travel Insurance Plans
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 | Scout plan |
|---|---|
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days | $132 |
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days | $222 |
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days | $438 |
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days | $438 |
Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days | $438 |
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days | $495 |
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days | $450 |
Average cost (based on seven sample trips) | $373 |
Does Battleface Travel Insurance Offer 24/7 Travel Assistance?
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.
What Does Battleface Travel Insurance Cover?
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.
What’s Not Covered by Battleface Travel Insurance?
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.
Customer Experience for Battleface
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.
How To File a Claim with Battleface Travel Insurance
You’ll need your policy number and date of birth to start the claims process. Follow these steps to file a claim with Battleface:
- Complete a claim form online at battleface.com or print one to fill out. Provide details on the incident, expenses to reimburse and documentation.
- 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.
- 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.
- A claims analyst will review your claim against your policy and communicate the outcome.
- 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.
How Does Battleface Travel Insurance Compare to Other Travel Insurance Companies?
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
Travel Insured International has a much higher limit for medical evacuation coverage and much shorter waiting periods for travel and baggage delays. The policies cost about the same.
| Benefit | Battleface Scout Plan | Travel Insured International Worldwide Trip Protector |
|---|---|---|
Trip cancellation | 100% of insured trip cost | 100% of insured trip cost |
Trip delay | $150/day (up to $1000) with six-hour waiting period | $200 per day ($1,500 total) after three-hour delay |
Travel medical/evacuation | $100,000/$300,000 | $100,000/$1 million |
Trip interruption | 125% of insured trip cost | 150% of insured trip cost |
Baggage and belongings | $1,000 | $1,000 |
Baggage delay | $500 with 24-hour wait | $500 after three-hour delay |
“Cancel for any reason” reimbursement | 75% | 75% |
Average cost (based on seven sample trips) | $373 | $370 |
Battlesafe vs. TravelSafe
The TravelSafe Classic policy has higher limits for medical evacuation, trip delay and baggage and belongings. It also has half the required waiting period for baggage delay benefits to apply. But the Scout plan costs about $60 less than the Classic plan, on average.
| Benefit | Battleface Scout Plan | TravelSafe Classic |
|---|---|---|
Trip cancellation | 100% of insured trip cost | 100% of insured trip cost |
Trip delay | $150/day (up to $1000) with six-hour waiting period | $150/day ($2,000 max) after six-hour delay |
Travel medical/evacuation | $100,000/$300,000 | $100,000/$1 million |
Trip interruption | 125% of insured trip cost | 150% of insured trip cost |
Baggage and belongings | $1,000 | $2,500 |
Baggage delay | $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) | $373 | $431 |
Battleface vs. Travelex
Battleface’s Scout plan has twice as much medical expense coverage than the Travel Select plan from Travelex, but the Select plan has higher limits for evacuation benefits. The Select plan also has more generous trip delay and trip interruption coverage.
| Benefit | Battleface Scout Plan | Travelex Travel Select |
|---|---|---|
Trip cancellation | 100% of insured trip cost | 100% of insured trip cost |
Trip delay | $150/day (up to $1000) with six-hour waiting period | $200/day ($2,000 max) with five-hour waiting period |
Travel medical/evacuation | $100,000/$300,000 | $50,000/$500,000 |
Trip interruption | 125% of insured trip cost | 150% of insured trip cost |
Baggage and belongings | $1,000 | $1,000 |
Baggage delay | $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) | $373 | $391 |
Compare & Buy Travel Insurance
Methodology
We researched and analyzed 42 policies to find the best travel insurance. When companies had more than one travel insurance policy, we used the highest-scoring plan. Ratings are based on the following metrics.
Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:
- 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.
Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.
Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.
Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.
“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.
Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.
Cancel for work reasons (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.
Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.
“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.
Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).
Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.
Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.
Best Travel Insurance Companies Methodology
Read more: How Forbes Advisor Rates Travel Insurance Companies
Editor’s note: While our parent company has an interest in the Battleface Scout policy sold at CompareCoverage.com, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.
0 Comments