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Multi-Trip Annual Plan

Multi-Trip Annual Plan

Travel confidently with a full year of comprehensive coverage
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Comprehensive coverage for 365 days

Travel insurance made to work for your needs without confusing, hard-to-understand coverage.
Trip Cancellation

Protects the financial investment for your trips in case you must cancel for a covered reason. Three levels of coverage are available: $1,500, $3,000, or $5,000 per policy.

Up to 150% of the Trip Cancellation limit, to reimburse your pre-paid and non-refundable trip cost if a portion of a trip is missed, or if you must return home early due to unforeseen circumstances, including illness, injury, or death.
Provides reimbursement up to 100% of your trip cancellation costs, up to your Trip Cancellation maximum, if your traveling companion cancels or interrupts their trip for a covered reason and you still choose to go but have additional costs.
Up to $200 per day and $1,000 per policy to provide coverage for the costs of meals, local transportation and accommodations when your trip is unexpectedly delayed for covered reasons.
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.
Baggage and Personal Effects
Up to $2,000 per policy for reimbursement of lost, stolen, or damaged luggage, sporting equipment and personal effects. $100 deductible applies ($50 in FL).
Provides up to $100 per day, to a maximum of $750 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
Up to $250,000 per policy ($50,000 for residents of NH) for the costs to treat medical emergencies, including COVID-19, during your trips. $100 deductible applies ($50 in FL). Includes coverage for Adventure Activities.
Up to $750, $0 deductible.
$200 per day while you’re in the hospital.
$500,000 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.
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 mountain climbing, battleface is there for you. See policy for full details.

Pre-Existing Medical Conditions are covered after the policy has been in effect for 60 days. See policy for full details.

battleface covers losses due to COVID-19. Restrictions apply. View our COVID-19 statement for more details.

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FAQ

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Multi-Trip Annual

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What’s the difference between the Single-Trip Discovery and the Multi-Trip Annual Plan?

The Discovery Plan gives you the ultimate flexibility to choose only the coverages you need for a single trip, depending on your destination, activities and trip cost. The Multi-Trip Annual Plan is a comprehensive package of coverages that are perfect for those who travel spontaneously, or take more than two trips per year.

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How many trips per year am I covered for?

There is no limit to the number of trips you can take each 365-day period. Note that the coverage limits described are per annual plan, not per trip. The maximum covered length for any one trip is 40 days.

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Do I need to notify battleface when I go on a trip?

There’s no need to notify us! Go ahead and plan your trip, knowing that your battleface plan is valid the entire 12 months.

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Can I pick a future date on which to start my plan?

You may select a start date for your plan up to 180 days into the future.

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Is the Multi-Trip Annual plan valid for travel anywhere in the world?

Pretty much! There are a few countries and regions where we can’t offer coverage or services: Afghanistan, Belarus, Burkina Faso, Central African Republic, Chad, Crimea, Cuba, Donetsk, Haiti, Iran, Islamic Republic of, Iraq, Israel, Lebanon, Libya, Luhansk, Mali, Mauritania, Myanmar, Niger, North Korea, Russian Federation, Somalia, South Sudan, Sudan, Syrian Arab Republic, Ukraine, Venezuela, Bolivarian Republic of, Yemen

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How do I know which entry requirements apply to particular countries?

Use our handy Travel Tool to easily find entry regulations and COVID-19 travel requirements for your next destination.

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What is a Pre-Existing Medical Condition, and can I get coverage for it on the Multi-Trip Annual Plan?

If you, a family member, or a traveling companion have a pre-existing medical condition, such as heart disease, diabetes, autoimmune disorders, or other conditions, you need to be aware that many travel protection plans exclude any losses resulting from that condition. If you have to cancel or interrupt your trip due to that condition, or if you become ill with that condition while traveling, you may not have coverage.

With the battleface Multi-Trip Annual Plan, the Pre-Existing Medical Condition Exclusion is waived after the plan has been in force for 60 days. This can be a complicated subject, so make sure you read the plan, and contact our team if you have questions about pre-existing medical conditions.

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Who is the Multi-Trip Annual Plan best suited for?

It’s the perfect, budget-friendly plan for people who like to travel frequently or spontaneously. The Multi-Trip Annual Plan offers you a full range of benefits, including:

  • A comprehensive range of coverages
  • Coverage for sickness due to COVID-19
  • Available coverage for Pre-Existing Medical Conditions
  • Coverage for Adventure Activities
  • Worldwide Travel Assistance
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I notice that the maximum Trip Cancellation limit for the Multi-Trip Annual plan is $5,000. Is that per-trip, or for the entire year?

The limits shown for the Multi-Trip Annual plan are the aggregate maximum limits for the plan year.

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What if I think I might be taking one or more trips with a value greater than $5,000?

We would encourage you to purchase a single-trip Discovery plan, instead of the Multi-Trip Annual plan, to ensure you have enough coverage in the event you need to cancel or interrupt your trip.

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Can I purchase both a Multi-Trip Annual plan and a Single-trip Discovery plan to cover the same trip?

We don’t recommend it. It’s more cost-effective for you to select one plan or the other. It’s important to evaluate your travel plans for the year before taking an annual plan. If you did not initially anticipate taking a single trip with a value greater than $5,000, you would benefit from also taking a single trip plan to fully protect your trip cost. Please note, in the event of a claim, only one plan (the plan with the highest limits) would apply. Contact us if you have any questions about which plan is best for your particular circumstances.

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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