General
About Us
About Us
We’re a full-stack global company enabling customers and partners to easily select travel insurance products and services that perfectly fit their needs. Access to custom built embedded products, relevant benefits and responsive customer service from any device, any time, any place – welcome to a better insurance experience. Welcome to battleface.
battleface travel insurance policies are continuously being updated to respond to the needs of today’s customers. Developed by battleface Inc, products are underwritten by certain underwriters at Lloyd’s of London, on behalf of Lloyd’s Insurance Company S.A. (“Lloyd’s Brussels”), Spinnaker Insurance Company, Berkley A&H, Northbridge General Insurance Corporation, Crum & Forster and Pacific International Insurance, and distributed through:
- battleface Insurance Services Limited, a UK insurance intermediary authorized and regulated by the Financial Conduct Authority (FCA); registration number 774757
- battleface Underwriting Services SRL, a Belgian insurance intermediary authorized and regulated by the Financial Services and Markets Authority (FSMA); registration number BCE.0744.970.292
- battleface Insurance Services LLC, USA National Producer Number 18731960 (FL License number L107363/CA License number 0M75381)
- battleface Insurance Services Pty Limited, an insurance intermediary authorized and regulated by the Australian Securities and Investment Commission (ABN 28 650 606 045, AFSL 536280)
Any type of travel requires preparation and determination. Having insurance that won’t quit when the going gets tough, means travellers of all types can focus on the fun, and face any obstacles with confidence.
battleface provides specialist travel insurance for holidaymakers and extraordinary travellers who need more than ordinary insurance. Unlike most travel insurance, we offer cover for popular tourist destinations worldwide as well as unconventional or remote destinations including those that are under government travel advisories and COVID-19 restrictions. battleface also provides its own 24/7 emergency travel and medical assistance services, benefits for adventure activities, and remote destinations.
You can also purchase our policies while already travelling. When purchasing policies while travelling cover will start 24-hours after purchase and an exclusion for pre-existing medical conditions would re-apply.
We take the protection of your personal data very seriously. Any personal data we collect will be processed in accordance with all applicable data protection legislation including the General Data Protection Regulation (GDPR) and Data Protection Act 2018. For full information about how we handle your data, please refer to our privacy policy and our cookies policy.
Any payments will only be made in full compliance with international 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) and the UK Office of Financial Sanctions Implementation (OFSI).
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 here, OFSI website here or connect with our team.
No. We are committed to treating our customers fairly and are transparent in everything we do. When buying a policy with us, you will not pay us a fee. Instead, we receive a commission from the insurance carriers that we work with.
Robin Assist is our brand name for providing 24/7 responsive customer service, claims, emergency travel and medical assistance from any device, any time, any place. Our operations team consists of multi-lingual talented humans who come from an extensive travel protection service backgrounds. To learn more please click here.
Customers
Customers
We cater to all types of travellers: people on vacation, business trips or adventure travellers, freelancers, and more.
Yes. We customize and develop policies specifically for commercial and non-commercial organizations, institutions, and associations for groups of people who travel, live and work internationally.
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.
Products
Top questions
Top questions
Sure! Just check out our Customer Library to see the plan applicable to your state.
Yes, our benefits include cover for cancellation, curtailment, quarantine and medical expenses caused by or resulting from COVID-19 for travellers up to and including age 65.
Yes. We provide full benefits, up to the policy limits, for destinations worldwide including countries under the government all but essential and non-essential travel advisories. This includes areas affected by COVID-19.
Yes, as long as you are not actively participating in war or terrorism. Terrorist activity has increased in frequency and severity over the last two decades. With battleface, travellers can rest easy knowing they are covered in the event of a terrorist attack.
Filing a claim essentially involves completing a claim form. The claim form is a questionnaire meant to help you achieve the following:
- Tell us about the incident that caused your claim
- Specify the financial loss you want reimbursed
- Provide evidence of the incident to support your claim
Once submitted, your claim is promptly assessed by a claims analyst who determines whether it meets the terms of your policy and communicates the outcome to you. You can start your claim here.
It’s hard for us to give definitive answers to hypothetical situations because one small detail in the situation can change everything. That said, we’ll do our best to answer your questions, or at least help you understand the policy language and how it might apply to various situations.
The cost can vary based upon your age, destination, chosen limits and trip length.
Policy excess is an amount you have to pay towards making a claim. You can change the excess value before you complete the purchase your policy.
Our two-page IPID summarises key information about your policy. It highlights some of the significant exclusions and restrictions, to ensure they have been brought to your attention before you buy. For the full wording, please refer to your policy document here.
What’s Covered?
What’s Covered?
Yes, our benefits include cover for cancellation*, curtailment/interruption, quarantine and medical expenses caused by or resulting from COVID-19 for travellers up to and including age 65. All other benefits remain available as standard for travellers aged one month or over on the date of travel and 79 years or under when the trip, for which this insurance is purchased, finishes.
*Not all of our policies include Cancellation benefits so always check the policy wording for full details.
If you contract COVID-19 while travelling and require medical treatment (including testing) during your trip, it would be covered if you have Travel Medical Expense coverage. However, routine testing required to enter or leave another state or country is not covered under your policy.
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, Medical Expense coverage may cover additional expenses you incur. If you contract COVID-19 before your trip (and after you’ve purchased your policy), you may be covered under Trip Cancellation benefits. Note that stay-at-home orders and isolation due to potential COVID-19 exposure aren’t covered.
Yes, you can take out our travel insurance policy for both business and leisure trips.You will need to select the business cover extension to see the additional benefits available.
Travel insurance doesn’t cover everything. It is designed to provide coverage for unforeseeable circumstances. The information we provide here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the policies 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 or connect with our team to discuss.
Single-Trip Travel Medical
Single-Trip Travel Medical
This product cannot be purchased more than 364 days in advance. You are eligible to buy if:
- You are not yet 80 years of age (children aged over one month and not yet 18 years old can either be covered under the same policy as your parent or guardian, or the main policy holder with parental consent); and
- You have received all immunisations recommended by your home country prior to entry into the host country; and
- You do not at any time during the Policy Period carry any firearm or any instrument or device designed or intended to cause injury or death to another person unless you have told us in advance, it has been accepted by us and you have paid the appropriate additional premium and you are not an active member of any military or paramilitary force at any time during the Policy Period
If for any reason you cannot satisfy all of these criteria, please contact us and we will do our utmost to find a product to suit your needs.
The statement within our product information document is to notify you that certain pandemic viruses are excluded e.g. Ebola. battleface does provide cover for medical expenses incurred by an Insured Person aged 65 years or under for the treatment of COVID-19, SARS-CoV-2 and symptoms thereof, subject to the terms and conditions of the policy.
No, this product does not cover for resort closure due to Covid-19. If you are notified of a resort closure due to Covid-19 we recommend you contact your travel agent.
If you are delayed by more than 12 hours as a result of an insured event, battleface does provide trip delay cover for all persons included within the policy. Terms and Conditions apply.
Equipment includes snowboards, skis, bindings, sticks/poles and boots. Winter Sports equipment is covered up to 750 (500 per single article, set or pair). Hired equipment is also covered (300 per single article, set or pair). Exclusions do apply, so please check the Policy Document for full details.
The excess (deductible) for ski equipment is 50 per person or 100 per family for each incident which gives rise to a claim. Standard excesses will apply for the remaining sections of the policy.
The Optional Activities and Sports cover, when selected, covers additional sports and activities not included in our standard policy, including Winter sports. This includes equipment loss or damage for skiing and snowboarding. It also extends the standard benefits of your policy to include claims which may arise when you are participating in winter sports. No cover will apply in respect of Personal Liability claims.
We’re always tracking the global travel ecosystem to ensure we’re covering the right risks at the right rates. For example, your destination country is part of our rating algorithm and if that country is high risk when you quote and then is lower risk when you buy, you may see a lower premium for your policy.
You can change your travel dates any time before you travel and cancellation is free within the cooling off period. If you wish to cancel we can offer you a full refund provided you cancel within 14 days of receiving your policy documents and before the start date of your policy.
If you have already embarked on your trip or need to cancel after the 14 days cooling off period, your premium will be refunded pro-rata from the date your instructions are received, provided you have not made a claim.
Yes, we will pay for the costs, up to the limit shown on your policy, of providing necessary temporary treatment for the immediate relief of pain or discomfort, and/or emergency repairs to dentures and orthodontic appliances. Please note the policy does not cover for any pre-planned dental treatment or diagnostic procedures.
There is strictly no cover under the terms and conditions of this policy when engaging in freestyle skiing, ski-jumping, ski flying, ski/snowboard-acrobatics, ski snowboard stunting, extreme skiing/ snowboarding, skeleton and luge or any variations.
We also do not cover any Trip where the primary purpose is to:
- set or break a speed, distance, endurance or other record;
- to participate in a commercial film, documentary or other program;
- to test a product
Unless this has been declared in advance to Us and We have agreed in writing to provide cover for such activities.
Yes, our Single-Trip product includes baggage cover up to the limits shown on your policy. There are some important limitations to cover that will apply, so please refer to section E of your Policy Document for full details. For example, we will pay a maximum of 250 for each single article, pair or set of items and up to 100 for mobile phones or smartphones. If you are planning to take expensive items such as cameras, e-readers, games consoles, laptops, mobile/smart phones, tablets, jewelry, watches or other Valuables with you then we recommend you have adequate personal possessions cover under a home contents or other insurance policy.
Please note that baggage claims are subject to the excess (deductible) and paid based on the original value of the goods, less a deduction for wear and tear and loss of value based on the age of the goods at the time that they are lost. An original receipt, valuation report or other satisfactory proof of ownership and value is required to support the claim. Evidence of replacement value is not sufficient.
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 :
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- 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
- 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.
- 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:
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- between a brand name and a generic medication with comparable dosage; or
- an adjustment to insulin or anti-coagulant dosage.
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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.
Single-Trip Travel Medical product will not cover any claim arising directly or indirectly from a known pre-existing medical condition. You don’t need to disclose your pre-existing conditions to us when you buy a policy, but we may ask for relevant details of your medical history in the event of a claim.
Participation in winter sports in a professional capacity or on a competitive basis are not covered.
Only if you are skiing with a qualified instructor or guide. In all other cases, skiing off-piste will not be covered.
Yes for delays in excess of 24 hours from your planned departure. Cancellation and delay cover applies to outward travel only. There is no cover for additional expenses in the event of travel disruption or delays.
We offer a 10% discount as standard when you buy a policy covering more than one traveller. Just add each additional traveller at the quotation stage and the discount will automatically be applied.
This insurance excludes certain sports and pastimes. Please see the Policy Document for the list of Excluded Activities: here
The easiest option would be to buy a new policy, to cover the remaining part of your journey. We strongly advise that you buy cover for as long as you need in one go, although we understand that travel plans may change.
Please note that it would be subject to your continuing to meet the eligibility criteria and the pre-existing exclusion would re-apply at the effective date of your new policy. When purchasing policies while travelling cover will start 24-hours after purchase.
Availability of cover may also be limited by your location at the time of intended purchase and how long you have been there.
Space Travel
Space Travel
We customise to your needs and focus on asset protection – covering any inheritance liability if there is a catastrophic event occurring to a launch and return vehicle resulting in the death or permanent disablement of the traveller.
Currently, there are several things to consider when looking at costs for civilian space travel insurance. Age and health status of the traveller, the type of coverage being requested, and details of the trip – distance into space, the duration of the flight, and what type of space craft will be used.
When evaluating a client’s space travel coverage, battleface’s underwriters work with a dedicated space team and a Personal Accident team at Lloyds of London. Using a scientific and measured approach, our collaborative expertise allows the development of coverage premiums for this new frontier in civilian travel.
Most insurances will void coverage if you are undertaking a more hazardous activity than that contemplated and declared on the application. battleface Space insurance has been negotiated with certain underwriters at Lloyd’s to cover these short period, high hazard risks.
In general, travel insurance is important especially if the policy was specifically built for the activities that you’re about to take. We suggest considering a travel insurance that would provide protection even while traveling to/from the space launch site.
Adventurers thinking about space travel need to consider the personal risk: temporary or permanent disablement, medical expenses, death. They should examine the booking conditions closely to see what the cancellation conditions are, both ways, and what liability the operator has in the unlikely event of an incident.
At battleface, we believe that travel is unique to each person’s interests and needs. This embodies the origin of our principles – to create a tech platform that allows customers to build their own custom policies. Space travel versus rock-climbing or scuba diving or bungee jumping are all different when it comes to risk calculation, pricing, and available benefits. One point these activities have in common is that one-size-fits all travel insurance policies don’t work here.
With space tourism in its infancy, the risk perception is high. Earth-based adventure activities have a known risk frequency, amassed by the millions of thrill seekers who have taken part and the small percentage who have, unfortunately, been injured or worse. Those statistics are not yet available for such a new risk so rating is influenced by caution but, as time goes by, rating will start to reflect the actual risk.
Most commonly, travellers think about how to protect their trip investments, followed by potential risks when it comes to unforeseen expenses such as emergency medical treatment, evacuation and transportation back home.
Services
Claims
Claims
If something happens before or during your trip and you want to use your travel insurance, you’ll need to file a claim with us.
We recommend bringing a print-out of your policy 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.
For non-emergency situations before or during your trip: document the situation as much as possible and keep receipts for any expenses incurred. If you have any questions about your situation, or you need guidance, please connect with us for a chat.
For emergency situations, or if you need assistance during your trip: we can help you with any situation and answer questions about next steps and required documentation.
Filing a claim starts with completing a claim form. The claim form is a questionnaire meant to help you achieve the following:
- Inform us about the incident that caused your claim
- Specify the financial loss you want reimbursed
- Supply evidence of the incident to support your claim
Once submitted, your claim is promptly assessed by a claims analyst who determines whether it meets the terms of your policy and communicates the outcome to you. You can find your claim form here.
If you wish to make a complaint, you can do so by contacting battleface Insurance Services.
battleface Insurance Services
Suite 24
80 Churchill Square, Kings Hill
West Malling, Kent, ME19 4YU
United Kingdom
t: +44 (20) 8089 5338
e: [email protected]
Travel Assistance
Travel assistance provides optional services while travelling (or even before). Examples include help with lost baggage or passports, travel arrangements, and many other services.
Medical Assistance
In the event you become sick or injured while traveling, we can help! We’ll get you started with a referral to a local licensed medical professional. We’ll monitor your condition, and if medically necessary, make arrangements to transport you to the nearest medical facility that can properly treat you. If you have the necessary Emergency Evacuation coverage, we will even pay for those medical transportation costs up front, including getting you home.
Emergency Assistance
Regardless of the type of travel emergency—from a natural disaster to terrorist attack, to a serious injury—we can help you. Contact us soon as possible and we’ll guide you every step of the way.
Travel Insurance 101
Purpose
Purpose
Travel insurance protects you from financial losses you could incur while traveling. Travel insurance is a standalone policy that can either be purchased on a per-trip basis, or as an annual policy covering multiple trips. Costs can vary 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 may cover you for 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 holiday plans take a turn for the worse. Plus, travel insurance companies also provide 24/7 assistance to help you navigate emergency situations.
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 may include 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.
Coverage
Coverage
Travel insurance coverage can be grouped 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. Depending on your policy benefits, you can submit a claim for costs incurred due to things like needing to cancel your trip (for a covered reason), trip delay or curtailment/interruption, missed connections, or lost baggage.
Travel medical coverage is an especially important benefit if you’re traveling abroad, and your everyday health insurance may not or won’t cover you. Many policies also have emergency medical evacuation available, which can arrange and pay for medical transportation to a hospital or even to your home if it’s medically necessary.
While travel insurance can provide 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. Generally speaking, travel insurance won’t cover anything that doesn’t fall under “unforeseen circumstances.”
Emergency Evacuation insurance can pay for emergency medical evacuation to the nearest appropriate hospital, or even to your home, if you fall ill or become seriously injured while traveling. Additionally, our team will make the necessary arrangements on your behalf.
Yes, trip cancellation protects you if you need to cancel your trip unexpectedly for specific reasons such as an unexpected death, illness, or medical conditions; certain transportation issues or strikes; major weather issues or natural disasters; issues of personal safety and security in your destination, and certain employment-related scenarios.
Note that not all our policies include Cancellation benefits so please read your policy in full for details.
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.
This benefit provides a cash payment in the event of accidental loss of life or limb during a covered trip.
Purchase
Purchase
With battleface, you can get an instant quote online, just answer a few questions about yourself, where you live, where you’re headed, and how long you plan to travel for. The Single-Trip Travel Medical Insurance also allows you to customize your coverage, adding in extra benefits and limits.
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. Of course, better late than never. You can also buy our policies while travelling.
Our pricing is based on your age, destination, and numbers of travel days; this approach allows us to deliver the most relevant benefits and at the right price.
