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Travel Insurance Disruptor, battleface, Launches New Discovery Product with Customized Products Allowing Customers to Purchase Only What They Need

Recent study shows 33% of Americans don’t purchase travel insurance in fear of wasting money on uneccessary policies; New Discovery options make travel insurance simpler/affordable for clients & customizable to their specific travel needs

battleface Inc., the rapidly growing Insurtech known for designing innovative travel insurance products, today announces the launch of their latest product Discovery Travel Insurance. The new product is the first of its kind to launch in the U.S., changing the insurance game by shifting to a modular approach that allows today’s travelers to pick and choose the benefits they need based on their specific travel plans.

The Discovery Travel Insurance launches just as a recent study commissioned by battleface and conducted by Opinium reports that a third of Americans (33%) don’t consider purchasing travel insurance out of fear of spending money on the coverage they don’t need. Furthermore, 21% of responders felt travel insurance policies were not worth the money. The Discovery product addresses these exact concerns by giving the power to the consumer to choose the benefits that meet their needs and only purchase what is necessary. With the travel landscape in continued flux, the number of Americans who still haven’t purchased travel insurance, 44% for international trips and 54% for domestic trips, are at risk of major financial losses.

“At battleface, we pride ourselves on designing products that grow with the travel industry while remaining relevant to our clients,” says Lisa Conway, Chief Underwriting Officer at battleface. “A lot has changed over the last 10 years when it comes to travel, but not much has changed with travel insurance options. Companies continue to offer the same ‘one-size-fits-all’ packages that were designed years ago and don’t always work for today’s travelers. Our Discovery product is changing all of that,” she adds.

Other research findings show 14% of Americans are not purchasing travel insurance because it’s too complicated and 10% are not considering it because it wasn’t tailored to their needs. With instant quotes and the option to choose only what is needed, battleface’s Discovery product makes travel insurance simple and affordable with customized policies that save travelers time and money. The Discovery product allows for common add-ons like Cancel For Any Reason, Baggage coverage, Trip Interruption, or Travel Medical coverage, to unique coverage such as Pet Medical, Rental Car Damage, and beyond.

Interestingly, the study found that one-fifth of Americans believe medical insurance can cover their travel mishaps, which is a common misconception as medical insurance often does not consistently provide the same coverage as travel insurance. The Discovery product does cover Primary Medical coverage inclusive of protection around adventure, extreme, and winter sport. For more active travelers, battleface offers the Explorer Travel Insurance product, which is a great option that protects against severe situations such as Search and Rescue, and Late Night Delays.

battleface’s research did find that younger Americans are purchasing travel insurance at a much higher rate, with 61% of 18-24 year-olds having purchased for international travel, whereas only 32% of those aged 35-64 have done the same. Designed for today’s digital traveler, battleface makes the travel insurance process easier by offering quality products and a robust platform with information, such as up-to-the-minute information about global travel restrictions and requirements, which is powered by Sherpa. The company also prides itself on unmatched customer care with 24-hour emergency travel and medical services with the support of real-time agents.

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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.