The Best Adventure Travel Insurance?

In the event you’ve been looking for journey insurance coverage these days, there’s an excellent probability you’ve seen the identical corporations pop up again and again. 

However in the present day I’d wish to introduce you to a model new participant: battleface, an organization specializing in journey and high-risk journey insurance coverage. Their crew has tons of expertise servicing the likes of NGOs and journalists headed into conflict zones, and now they’ve prolonged this service to any adventurer who likes to journey outdoors the field. 

After being a loyal buyer of World Nomads for over 10 years, I’m fascinated by making battleface my go-to journey insurance coverage. This battleface assessment will inform you why.

Who Is battleface?

battleface was based by a passionate group of individuals with intensive emergency claims administration, in addition to tons of expertise in medical and journey help. 

These of us initially began out by offering protection for Warfare & Terrorism with no vacation spot exclusions for journalists, NGO employees, skilled explorers, divers, and different journey vacationers. 

This expertise led to the individuals behind battleface noticing a niche available in the market for specialty insurance coverage merchandise. Now they’ve created merchandise for every type of vacationers, whether or not you’re a digital nomad or an excessive sports activities fanatic. 

Because of battleface’s aggressive pricing and glorious companies and advantages, their plans turned in style for traditional locations as properly. 

Plus, by way of their Journey Help companies (Tangiers Worldwide), battleface has brokers on-the-ground to assist handle your claims in individual. That is particularly useful in the event you’re in a extra complicated (or harmful) nation.

What Is Journey Insurance coverage?

Journey insurance coverage could also be complicated for first-time customers, or for anybody who’s seeking to change suppliers. My objective is to interrupt all of it down for you a bit higher. 

Within the easiest phrases, journey insurance coverage protects you towards accidents, emergencies or monetary losses (like stolen items) that will occur whilst you’re on the highway. 

If you’d like good journey insurance coverage, be sure that it contains the next:

• Journey cancellations, interruptions, and adjustments
• Stolen, misplaced, delayed or broken baggage and property
• Medical therapies and bills

Simply because you could have medical insurance in your individual nation doesn’t imply it applies to journey abroad. For instance, if you find yourself in a automotive accident whereas touring round Asia, journey insurance coverage will assist get you dwelling with out having to pay tens of 1000’s of {dollars}. 

Journey insurance coverage additionally helps shield you towards travel-specific losses, like flight cancelations and stolen expertise. No one needs to pay to exchange their stolen laptop computer or digital camera tools!

Having journey insurance coverage is one thing I (and most different seasoned vacationers) urge individuals to do. Simply examine my expertise with how journey insurance coverage saved my ass in Singapore, and also you’ll perceive why. 

Is Journey Insurance coverage Value It? 

Is journey insurance coverage price it? Easy reply: sure. In the event you can’t afford journey insurance coverage, you may’t afford to journey.

It doesn’t matter how younger you’re, or how wholesome you’re — it is best to all the time anticipate the surprising. And certain, whereas having to spend $2,000 to exchange your stolen laptop computer gained’t wreck your life, paying tens of 1000’s in emergency medical payments will. 

Even when your journey insurance coverage prices a few a whole bunch of {dollars}, you may journey with peace of thoughts figuring out that you simply’re in secure arms if one thing ought to go incorrect. 

Who Is battleface For?

battleface covers many various kinds of vacationers, together with:

• Journey Seekers and Explorers. It doesn’t matter in the event you’re a surfer or a skydiver or a rock climber (or something in between), battleface has emergency medical and evacuation, and even Search & Rescue.
• Digital Nomads, Freelancers, and Enterprise Vacationers. You’ll be lined for misplaced, delayed, or stolen baggage and belongings. You may as well go for Enterprise Upgrades.
• College students and Different Vacationers. Even in the event you’re not an adventure-seeker, battleface’s aggressive costs and packages nonetheless work for many vacationers. 
• Expats. This doesn’t fall beneath the journey insurance coverage class, however in the event you’re residing overseas, battleface has insurance coverage for expats that covers well being and medical, life, auto, property, and extra.

All journey plans embody 24/7 emergency journey and medical help companies and on-the-ground brokers.

Who Isn’t battleface For?

battleface continues to be rising, so there are a number of limitations. Plus, exclusions could rely upon your private home nation or state. Be sure to learn up on all of the documentation earlier than you commit!

In the event you’re in one of many classes under, you could not qualify:

• Seniors Over 80 Years Outdated. It’s important to be between 18-80 years outdated to qualify for insurance coverage. Travelex could be the higher possibility for you on this case. 
• Individuals With Pre-Current Situations. battleface doesn’t cowl bills related to pre-existing situations until you could have already notified them of your situations and you’ve got been accepted earlier than you start touring. Once more, Travelex could also be a greater possibility for individuals with pre-existing situations. 
• Individuals From Sure International locations. As a result of battleface is a start-up, you could not but qualify for battleface journey insurance coverage in the event you’re a resident of a sure nation. For instance, on the time of scripting this, battleface doesn’t serve Canadians. 

What’s Included in battleface Journey Insurance coverage?

Your battleface journey insurance coverage plan will embody 24/7 emergency journey and medical help companies, and a few advantages are non-obligatory.

Let’s take a look at all the things battleface has to supply.

Hospitalization and Medical Bills

In the event you want hospitalization or outpatient care, battleface will cowl you. This implies all the things from caring for damaged bones to easily getting a prescription for a instantly very sore throat.

Medical bills abroad could be extraordinarily pricey, so this is among the most necessary inclusions for journey insurance coverage.

Emergency Medical Evacuation

Whether or not it is advisable be rushed to a neighborhood hospital to deal with a life-threatening situation or evacuated again to your private home nation, battleface will cowl you. 

Emergency Reunion

If it is advisable be hospitalized out of the country, battleface will cowl the price of journey and lodging for one individual to be with you and to accompany you dwelling. battleface additionally makes all of the preparations in order that the one you love doesn’t have any additional stress. 

That is significantly helpful in the event you’re a solo traveler! 

Native Burial or Cremation/Repatriation of Mortal Stays

Within the unlikely occasion that you simply die abroad (unlikely being the necessary phrase right here), battleface takes care of your burial/cremation regionally, or they’ll make preparations to your stays to be returned dwelling.

Disaster Response

battleface’s non-obligatory and complete Disaster Response protection is among the issues that makes this supplier so distinctive. Their product contains help for:

• Victims of violent crimes
• Wrongful detention
• Mysterious disappearance or kidnapping
• Blackmail, extortion, and political threats
• Hijacking
• Acts of terrorism

I do know these attainable eventualities are terrifying, however in the event you’re touring to a high-risk nation, protection is extremely necessary. And with terrorism assaults on the rise in even international locations like France and Spain, Disaster Response supplies a further security web. 

You may as well get extra protection for emergency political evacuation prices, bills associated to having an unbiased interpreter, prices of relocation journey and lodging, and bills associated to non permanent safety guards so that you’re escorted to security. 

In the event you’re touring round a rustic and a civil conflict breaks out, or an act of terrorism happens, you could be assured you’re in good arms. 

Enterprise Extension Protection

In the event you’re a enterprise traveler, your coverage has the choice to incorporate unintentional loss, theft, or harm to your enterprise tools and/or money. It additionally contains worker substitute if an sickness or harm retains you from finishing the journey.

Journey Cancellation and Interruption

Some issues occur earlier than your journey even begins. If it’s important to cancel your journey plans as a result of there’s a hurricane making landfall or as a result of a member of the family will get sick, battleface will cowl the prices. In the event you’re already touring and the identical state of affairs occurs, they’ll allow you to to get dwelling. 

Baggage Loss or Delay

Caught in your vacation spot with out clear lingerie? Your insurance coverage will cowl the prices of buying what you want.

battleface Journey Insurance coverage Plans

If you’re getting a quote for battleface journey insurance coverage, you’ll be provided two plans to select from:

1. Journey Medical Insurance coverage – For the usual traveler with medical protection for accidents, accidents, and emergency evacuation and transportation.
2. Journey Journey Insurance coverage – Covers sports activities actions, emergency medical remedy, evacuation, and accidents, in addition to journey to off-grid locations with protection for tools and search and rescue. 

Whereas each plans cowl the necessities, Journey Journey Insurance coverage presents some extra advantages and better protection limits:

There’s additionally a multi-trip possibility, which means protection for journey for a interval not exceeding 30 days. Every journey should have an outlined departure date and return date.  

Many of the advantages are the identical, though there are some key variations for journey cancellation and journey interruption. 

There are lots of non-obligatory protection choices and will increase for single-trip plans as properly:

Clearly, the add-ons will price you a bit additional. I’ll speak a bit about that subsequent.

battleface’s Journey Medical Insurance coverage

The usual Journey Medical Insurance coverage plan has some glorious protection, together with as much as $500,000 for medical bills and emergency evacuation. That is mainly your normal journey insurance coverage plan. 

If it’s important to cancel your journey, you’ll be lined as much as 100% of your journey price. This plan doesn’t cowl journey delay or interruption. For multi-plan vacationers, you’ll rise up to $1,500 per journey for cancellations. 

The Journey Medical Insurance coverage plan comes with as much as $2,500 in misplaced, theft or broken baggage safety, and you’ll obtain a most of $1,250 per merchandise. In the event you’re touring with costly tools or gear, understand that the per article restrict won’t cowl the complete price of your misplaced items.

battleface’s Journey Journey Insurance coverage

The Journey Journey Insurance coverage plan will cowl lower than the usual plan, and contains $100,000 for medical bills and emergency evacuation (as a substitute of $500,000). 

You probably have multi-plan insurance coverage, you’ll rise up to $1,500 per journey for cancellations. For journey delays, you’ll get $500 per day (as much as $2,000), and as much as $1,500 per journey for journey interruption. 

Not like the earlier plan, in the event you’re injured resulting from journey actions, you’ll be lined. That features actions like snowboarding, snowboarding, diving, mountaineering (as much as 15,000 toes), white or black water rafting, snowmobiling, biking, crusing, and extra.

If it’s important to cancel your journey, you’ll be lined as much as 100% of your journey price. Journey delay and interruption are lined for this plan, with as much as 100% of the journey price for the interruption, and as much as $500 per day for journey delay.

This plan additionally comes with as much as $2,500 in misplaced, theft or broken baggage safety, and you’ll obtain a most of $1,250 per merchandise. 

battleface’s Add Ons

You probably have single journey insurance coverage, you may also customise your plan so as to add issues like Enterprise Upgrades and Disaster Response (which covers all of the scary issues we listed earlier than, together with kidnappings and acts of terrorism). 

Impressively, this doesn’t add an excessive amount of to your complete invoice. For instance, so as to add Disaster Response to a week-long journey to China is simply a further $50, which features a most restrict of $150,000. For a most restrict of $250,000, you’ll pay about $60 for Disaster Response.

What’s Not Coated by battleface Journey Insurance coverage?

Even a high-risk journey insurance coverage firm like battleface can’t cowl all the things — there are limitations and exclusions. 

International Availability

As a result of battleface is a startup, their largest pitfall in the intervening time is international availability. 

battleface is at present out there for retail (particular person) gross sales in 52 international locations, however they’re including new international locations quickly. The US is included, however Canada shouldn’t be.

Pre-Current Medical Situations

Like most suppliers, battleface doesn’t cowl bills associated to a pre-existing medical situation, however presents a waiver if insurance policies are bought inside 15 days of journey deposit.

Harmful Actions

Though battleface’s Journey Journey Insurance coverage contains journey sports activities, some actions are simply too harmful to be included.

That features air journey on privately-owned plane, bull using, operating of the payments, free diving, free climbing, scuba diving past 50 meters, and mountaineering over 6,000 meters.

International locations That Have Sanctions Restrictions

Though battleface covers vacationers to remoted areas or international locations of conflicts, resulting from sanctions restrictions imposed by the U.Okay., E.U., Canada, U.N., and the U.S., full protection in sure international locations will not be included. 

Execs and Cons of battleface Journey Insurance coverage

Execs

• Journey Journey Protection: Commonplace insurance coverage insurance policies don’t present protection for actions, tools, and locations wanted by journey vacationers. battleface covers almost all the things!
• Disaster Response: Their Disaster Response add-on product shouldn’t be supplied by some other U.S. firm and contains protection for all the things from kidnapping to acts of terrorism.
• Commonplace Insurance coverage Protection. Though battleface is a superb possibility for journey journey and high-risk journey, in addition they have normal insurance policy to cowl your “much less adventurous” journeys (and costs are aggressive). 
• “A” Rated Underwriters: battleface solely makes use of A-rated underwriters to make sure the standard of the product they’re providing. For U.S. clients, battleface makes use of Spinnaker, and out of doors the U.S. they use Lloyds.
• On-the-Floor Brokers: Irrespective of the place you’re, your claims are managed on-the-ground. That is unbelievable for complicated international locations. There’s additionally help out there 24/7, and the customer support is great. 
• Reasonably priced, With Add-On Choices: battleface presents inexpensive plans with inexpensive add-on choices to be sure to’re properly lined, together with Enterprise Upgrades and Disaster Response.

Cons

• Not Accessible In all places. As a result of they’re a start-up, protection shouldn’t be out there in all places. At the moment, they’re out there for retail gross sales in 52 international locations.
• They’re Not the Least expensive. Though battleface is inexpensive for anybody who participates in journey journey, in the event you’re a traveler simply in search of a low-key expertise, this will not be the most suitable choice for you.  

battleface vs. World Nomads vs. SafetyWing

At this level, you could have an excellent understanding of what battleface does and doesn’t present. And in the event you’ve been following TravelFreak for a while, you possible know that World Nomads and SafetyWing are two journey insurance coverage corporations I like and use essentially the most.  

At the moment, World Nomads is the most suitable choice for journey journey and SafetyWing is the most suitable choice for digital nomads. So how does battleface stack up?

battleface vs. World Nomads

I’ve been singing World Nomads’ praises for a protracted, very long time — particularly with regards to being a go-to supplier for journey journey. So let’s evaluate an journey journey.

Let’s say you’re an American eager to do a week-long browsing journey to South Africa a number of months from now. You’ll want battleface’s Journey Journey Plan and World Nomads’ Explorer Plan. 

	battleface	World Nomads
Price	$128.20	$112.13
Emergency Medical	$100,000	$100,000
Emergency Evacuation	As much as $100,000	$500,000
Journey Cancellation	As much as 100% of complete price	$10,000
Journey Interruption	As much as 100% of complete price	$10,000
Baggage and Private Belongings	$2,500 per journey (as much as $1,250 per merchandise)	$1,500 per journey (as much as $500 per merchandise)

World Nomads clearly has some higher protection on this case; nevertheless, battleface’s Journey Cancellation and Journey Interruption advantages are a lot better.

battleface’s Baggage and Private Belongings advantages are additionally considerably greater which is a enormous plus in my guide, on condition that I journey with costly tools like telephones, cameras and laptops.

In the event you fear in regards to the potential dangers in an unstable space of the nation, the Disaster Response possibility from battleface is much superior. 

battleface additionally has on-the-ground brokers to help together with your claims, which takes loads of the stress out of the complete course of in the event you want help.

battleface vs. SafetyWing

The important thing benefit of SafetyWing for digital nomads is the truth that you don’t need to specify the period of your journey upfront — you may journey open-ended for so long as you need, and SafetyWing will insure you. You should buy insurance coverage for chunks of time, like 4 weeks at a time.

battleface doesn’t have this feature. You will need to have outlined begin and finish dates to your journey, even in the event you’re doing multi-trips.

In the event you’re a digital nomad headed to Bali for 4 weeks of labor, right here’s how the battleface Journey Medical Insurance coverage Plan stacks up towards the SafetyWing Journey Insurance coverage plan (SafetyWing at present has one easy plan in place).   

	battleface	SafetyWing
Price	$65.21	$10.56
Emergency Medical	$100,000	$100,000
Emergency Evacuation	As much as $100,000	As much as $100,000
Journey Cancellation	As much as 100% of complete price	N/A
Journey Interruption	N/A	As much as $5,000
Baggage and Private Belongings	$2,500 per journey ($1,250 per merchandise)	As much as $3,000 per journey (most $500 per merchandise)

Whereas SafetyWing is the cheaper possibility, and though it does have some nice advantages, it’s worthwhile to level out that Baggage and Private Belongings for SafetyWing doesn’t embody electronics like your smartphone or your laptop computer. And people issues are fairly necessary while you’re a digital nomad, don’t you suppose?

If you’d like extra data on SafetyWing, take a look at my full assessment. 

Easy methods to File an Insurance coverage Declare with battleface

battleface’s course of for submitting a declare totally relies on your private home nation, declare and the product.

For the reason that dwelling nation dictates the claims course of, battleface got here up with a customized however one-size matches all resolution that makes the method easy and easy.

If it is advisable file a declare whereas touring, simply contact them! They really ask that you simply join with battleface as quickly as attainable through electronic mail or the cell app to allow them to help you on the bottom and organize for pre-payment of the bills.

Every plan contains 24/7 Emergency Journey and Medical Help companies, so that they’re all the time out there.

In any other case, normal claims are processed by way of Broadspire through a soon-to-launch on-line portal.

Cellphone: +1 (866) 357-1225
E mail: [email protected]

Accomplished declare kinds could be submitted at this hyperlink or to the next mailing handle:

P.O. Field 459084
Dawn, FL 33345

Plus on-the-ground brokers with native know-how present an distinctive customer support expertise, and so they hold wait time for claims low.

When Ought to I Buy Journey Insurance coverage?

Buying a plan earlier than your journey is a good suggestion. This ensures that you’ve journey cancellation protection in case one thing surprising pops up. 

You possibly can usually buy a journey insurance coverage coverage days, weeks, or months earlier than your journey. It actually relies on your supplier.

Some journey insurance coverage corporations will even allow you to prolong your insurance coverage whilst you’re on the highway. Having an excessive amount of enjoyable in Bali? One of the best journey insurance coverage corporations will allow you to stick with it together with your protection. battleface, for instance, will allow you to buy a brand new coverage to maintain touring.

With battleface, you may’t buy journey insurance coverage greater than 90 days upfront of your journey. That’s fairly normal of most insurance coverage corporations, nevertheless. 

battleface Assessment: Ultimate Ideas

I completely love battleface’s complete journey insurance policy, and particularly their Disaster Response add-on. I’ll definitely be utilizing it if I occur to go to unstable international locations sooner or later, and coping with claims on-the-ground is a large asset. 

In relation to journey journey in steady international locations, battleface is a beast and is a unbelievable different to Phrase Nomads. 

As a digital nomad who travels adventurously with a number of pictures tools and different gear, battleface wins out by way of protection for misplaced or stolen gadgets and baggage. 

So if you wish to really feel secure and safe whereas touring overseas, I positively suggest battleface. However backside line: get journey insurance coverage!