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Benefits

What's the Best Way to Save on Travel Insurance?

Easy. You choose only the benefits you need. 

It’s travel protection designed for you and by you.

build your custom plan and save

Trip insurance tailor-made by you

This isn’t a gimmick. You actually pick your own benefits.

There are many ways to buy travel insurance, few of which allow you to pick and choose what benefits go into your policy. 

With an entire world out there to see and experience, do you really think the same travel protection would make sense for every trip?

When you get a quote, you’ll see we pre-select five of the most commonly chosen benefits to your cart. 

That cart and price is by no means final. You can add and remove to your heart’s delight until the plan and price is right for you. 

Your trip. Your benefits. Travel insurance your way.

quote and buy online

Discover all the Benefit Options

Trip Cancellation Package
  • Trip Cancellation protects the financial investment in your trips in case you must cancel for a covered reason. We suggest insuring the cost of all pre-paid, nonrefundable trip arrangements. Coverage available up to $20,000 per traveling party. Virginia & Washington residents must select the Trip Cancellation Package.
  • Single Occupancy can reimburse up to 100% of the insured trip cost if your traveling companion cancels or interrupts their trip for a covered reason, and you choose to still go but have additional costs.

Up to 150% of the Trip Cancellation limit, to reimburse your pre-paid and non-refundable trip cost, plus extra transportation expenses, if you must return home early due to unforeseen circumstances, including illness, injury, or death.

  • Trip Delay reimburses up to $200 per day and $2,500 per policy to provide coverage for the costs of meals, local transportation and accommodations when your trip is unexpectedly delayed for covered reason.
  • Missed Connection 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.

You must insure your full trip cost, purchase the plan more than 10 days before departure date, purchase within 15 days of initial trip deposit, and cancel more than 48 hours before your scheduled departure date.

*CFAR not available to NY residents.

Maximum trip cost eligible for CFAR is $10,000 per traveling party.

Baggage and Personal Effects

Reimburses up to $2,500 for lost, stolen, or damaged luggage, sporting equipment and personal effects. $100 deductible.

Provides up to $100 per day, to a maximum of $500 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

Reimburses to $100,000 ($50,000 for residents of NH) for the costs to treat medical emergencies, including COVID-19, during your trips. $50 deductible applies. Includes coverage for Adventure Activities. Emergency Dental Expense limit is up to $750, with a $0 deductible. Indiana residents must select the Travel Medical Package.

Covers up to $500,000 (up to $1,000,000 in NH) 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.

Rental Vehicle Damage Primary coverage
Covers up to $35,000 for one rented vehicle per traveling party for theft or damages due to collision, vandalism, windstorm, fire, hail or flood, or any cause beyond your control while in your possession. $250 deductible for loss greater than $2,000.

Reimbursement for the cost to replace damaged personal property assigned to that rental property during a stay. Coverage is provided to all traveling companions occupying the rental property during the covered trip, provided you are listed on the rental agreement. Select your level of coverage: $1,500, $3,000 or $5,000 per reservation.

Pet Medical

Reimburses up to $2,000 for necessary veterinarian expenses if your pet becomes sick or injured while traveling with you. $100 deductible.

Provides $500 of coverage if you’re traveling with your pet, and can’t continue due to your sickness or injury, and your pet needs to return home.

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 hiking, battleface is there for you.

You can qualify for a waiver of the Pre-Existing Medical Condition Exclusion if you purchase the policy within 15 days of initial trip payment and insure the full trip cost. See the policy for full details here.
Coverage for death, or loss of eyesight, hearing or limbs resulting from an accident while traveling. Select your level of coverage: $100,000, $250,000 or $500,000 per person.

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Travel Insurance FAQ

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Single-Trip Discovery

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How should I split up the trip cost for multiple people traveling together? (applicable to Discovery plan only)

We recommend, as much as possible, that you enter the accurate trip cost for each person. This can prevent problems at claim time.

For a family traveling together, you may split the cost evenly among all parties, especially if you are traveling with minor children. However, even in that scenario, we’d recommend entering accurate trip costs for each family member when possible.

Note: the maximum insurable trip cost is $20,000 per traveling party.

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What is the Cancel For Any Reason benefit and what does it cover? (Available on Single-Trip Discovery plan only)

Cancel For Any Reason provides complete flexibility that truly allows you to cancel for any reason, even one not covered under Trip Cancellation. This benefit is sold as an add-on to your chosen trip cancellation benefit.

The limit of coverage is 75% (or 50% if you reside in FL) of your original trip cost. You can select this option if you meet the following criteria:

  • Maximum trip cost for all travelers of $10,000
  • The plan must be purchased more than 10 days before the departure date
  • You purchase the plan within 15 days of the deposit date
  • You purchase the plan to cover the entire cost of the trip

When using this benefit, the cancelation of the covered trip occurs more than 48 hours from the originally scheduled departure. Any later arrangement(s) or payment(s) need to be added within 15 days of the date of payments. Cancel For Any Reason coverage is not available to residents of NY.

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How is the 15-day period calculated for Cancel For Any Reason coverage and the Pre-Existing Medical Conditions Exclusion Waiver? (applicable to Single-Trip Discovery plan only)

In order to purchase Cancel For Any Reason coverage, and to qualify for the Pre-Existing Medical Conditions Exclusion Waiver, you must purchase your plan within 15 days of your initial trip deposit.

When counting the number of days, the date you first made a reservation or deposit for your trip is considered day zero.  For example, if you made your initial trip deposit on November 1, you have until November 16 to purchase your plan and be eligible to purchase Cancel For Any Reason coverage, or to qualify for the Pre-Existing Medical Conditions Exclusion Waiver.

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How does customization of my plan work?

Every trip is not the same, and every traveler is not the same. The great thing about the our Single-Trip Discovery plan is that it gives you the freedom to fully customize a travel protection plan that’s just right for you. You can select any combination of coverages to suit your own situation. We understand, though, that it can be a bit overwhelming. We’re here to help!

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FRAUD WARNING STATEMENT

FOR RESIDENTS OF ALL STATES OTHER THAN THOSE LISTED BELOW: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

ALASKA: A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.

ARIZONA: For your protection Arizona law requires the following statement to appear on this form. Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

CALIFORNIA: For your protection California law requires the following to appear on this form: Any person who knowingly presents false or fraudulent information to obtain or amend insurance coverage or to make a claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

COLORADO:  It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.

DELAWARE: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.

FLORIDA:  Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

IDAHO: Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.

INDIANA: A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.

KANSAS: A “fraudulent insurance act” means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.

KENTUCKY: 

Application: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

Claim Form: Any person who knowingly and with intent to defraud any insurance company or other person files a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.

MAINE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.

MARYLAND:  Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.

MINNESOTA:  A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.

NEW HAMPSHIRE: Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.

NEW JERSEY:

Application: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.

Claim Form: Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.

PENNSYLVANIA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

NEW MEXICO: ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.

OHIO: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

OKLAHOMA: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

OREGON: IMPORTANT NOTE: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison.

TENNESSEE: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefit.

TEXAS: Any person who knowingly presents a false or fraudulent claim for payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. 

VIRGINIA: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits. 

WASHINGTON: It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.

NEW YORK*:  Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.

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

How many trips are you looking to insure?

A single trip

Customizable coverage for a single trip

Multiple trips

Annual coverage plan for frequent travelers

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)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section F of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness is not available for those aged 75 years or over

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
Medical and Emergency Expenses 10,000,000 (excess 250)
Hospital Benefit 25 per day, maximum 100
Personal Accident 50,000 as standard, optional increase up to 250,000
Baggage Loss or Delay 2,000 as standard, optional increase up to 10,000
Personal Money and Passport 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 per person, 100 per family)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section G of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness is not available for those aged 75 years or over

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)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section G of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness and Winter Sports is not available for those aged 75 years or over
  • Medical and Emergency Expenses are limited to $50,000 within Canada if you are not covered by government health insurance plan (GHIP) at the time of your claim

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)
Important notes:
  • Winter Sports optional cover, where selected, does not extend to the Personal Liability benefit under Section F of the policy
  • Travellers up to the age of 79 can purchase this product. Cover for illness is not available for those aged 75 years or over

How many trips are you looking to insure?

A single trip

Purchase your individual policy by adding business extension

Multiple trips

Customisable annual policy for groups with employees who are frequent travellers