Discovery

A.M. Best Rating: A
By: battleface, Underwriter: Spinnaker Insurance

Discovery (A.M. Best Rating: A) is a customizable trip insurance plan for travelers who want to build coverage around their specific travel needs. Choose from benefits like Trip Cancellation, Emergency Medical Expenses, rental vehicle coverage, baggage protection, and optional Cancel For Any Reason (CFAR) coverage, creating personalized protection for domestic and international travel. Coverage is available for trips up to 90 days.

Optional Cancel For Any Reason (CFAR) coverage is available when purchased within 15 days of the initial trip deposit. With its flexible, build-your-own approach, the battleface Single-Trip Discovery Plan is ideal for travelers who want personalized protection without paying for benefits they don't need.

Discovery does not participate in any PPO network. You can visit any doctor or hospital of your choice.

Discovery includes coverage for pre-existing conditions if the waiver requirements are met, including purchasing the plan within 15 days of the initial trip deposit.

Review the Discovery policy documents for complete coverage details, exclusions, and limitations.

Plan Brochure

Key Trip Insurance Benefits

Here are some of the top benefits, for your convenience*

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Accident & Sickness

Up to $100000

Baggage & Personal Effects

Up to $2500, $1250 per item

Cancel for Any Reason Option

Optional add-on

Trip Delay

Up to $200 per day, $2500 maximum

Rental Car Damage

Optional add-on

Baggage Delay

Optional add-on

Trip Cancellation

Up to 100%

Cancel for Any Reason Option

Optional add-on

Trip Interruption

Up to 150%

Trip Delay

Up to $200 per day, $2500 maximum

Accident & Sickness

Up to $100000

Rental Car Damage

Optional add-on

Baggage & Personal Effects

Up to $2500, $1250 per item

Baggage Delay

Optional add-on

*Note: Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge

Eligibility

For U.S residents traveling within the U.S and internationally
For Ages 1 to 85 years old
Coverage for a maximum of 90 days (30 days for FL residents)
Must be purchased prior to departure.
Trip must be scheduled, prepaid, and 100 miles or more from your primary residence.
Cancel For Any Reason (CFAR) must be purchased within 15 days of initial trip deposit date and more than 10 days away from departure date.
Plan cost is based on age, trip cost, and duration of trip

Cancel For Work Reasons

Covered

Interruption For Any Reason

Not covered

Trip Cancellation

Optional Trip Cancellation Package:
Up to 100%

Includes Single Occupancy: Up to 100% of trip cost

Trip Interruption

Optional Trip Interruption:
Up to 150%

Trip Delay

Optional Trip Delay Package:
Up to $200 per day, $2,500 maximum

Missed Connection

Optional Trip Delay Package:
Up to $1,000

Emergency Medical Evacuation & Repatriation

Optional Travel Medical Package:
Up to $500,000 ($1,000,000 for NH residents)

Cancel For Any Reason

Optional Trip Cancellation Package:
Up to 75% (50% for FL residents).

(Not available to NY residents)

Pre-existing Medical

Pre-existing waiver available if purchased within 15 days of initial trip payment

Primary Medical

Covered

Non-Medical Evacuation

Up to $100,000

Accident & Sickness Medical Expense

Optional Travel Medical Package:
Up to $100,000 ($50,000 for NH residents); $50 Deductible

(Residents of IN must purchase Travel Medical Package)

Dental Expense

Optional Travel Medical Package:
Up to $750; $0 Deductible

Covid-19 Coverage

If you become ill with COVID-19 while traveling, your Travel Medical Expense coverage can cover those medical expenses, just as it would for any other illness.

Trip Cancellation Due to Covid-19

Trip cancellation, trip interruption, and trip delay benefits may be available if you, a traveling companion, or a family member develop an unforeseen COVID-19-related illness before or during your covered trip and meet the policy requirements for coverage due to illness.

Covid-19 Quarantine

If you are diagnosed with COVID-19 and required to quarantine, before or during your trip, you may have coverage under Trip Cancellation or Trip Delay coverages. Note that stay-at-home orders and isolation due to potential COVID-19 exposure aren’t covered.

Sports Equipment Delay

Covered

Sports Equipment Loss

Up to $2,500

Sports & Activities

Covered

Telehealth Service

Covered

Baggage & Personal Effects

Optional Baggage Package:
Up to $2,500; $1,250 per item; $100 Deductible

Rental Car Damage

Optional Rental Vehicle Damage Package:
Up to $35,000; $250 Deductible for loss greater than $2,000

(Not available to FL residents)

Baggage Delay

Optional Baggage Package:
Up to $500

Pet Package

Optional Pet Medical Package:
Pet Medical Expense: Up to $2,000; $100 Deductible
Pet Return: Up to $500

(Not available to FL residents)

Accidental Death & Dismemberment

Up to $500,000

Vacation Rental Damage

Optional Vacation Rental Damage Package:
Choose from $1,500, $3,000, or $5,000; Up to 90 Days

Please refer to the following article concerning the claim process:
Trip Insurance Claim Process

US citizens and US Residents, who live in the US, are covered by these plans, for traveling both within the US, as well as internationally outside the US.

The plan includes an exclusion for Pre-Existing Medical Conditions of you, a family member, or traveling companion, for which treatment occurred or there were symptoms within the 180 days (120 in VT) prior to plan purchase. This can be a complicated subject, so read the plan document carefully. The exclusion for Pre-Existing Condition will be waived provided: (a) This plan is purchased within fifteen (15) days of initial trip payment. (b) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the trip at the time of purchase and the costs of any subsequent arrangements added to the same trip are insured within fifteen (15) days of the date of payment or deposit for any subsequent trip arrangements. (c) All insureds are medically able to travel when this plan cost is paid. (d) The trip cost does not exceed $20,000 per person.

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.

You may cancel the Discovery policy within the 10 days free look-back period from the date of purchase. For residents of IN, a 30 day free look-back period is allowed from the date of purchase. A full refund will be provided if you have not filed a claim or you have not departed on your trip.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.

After purchasing the policy online, you will receive your ID card in your confirmation email.

Discovery can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence with the optional Travel Medical Package. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

The Discovery plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date with the optional Travel Medical Package. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Discovery will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes with the optional Travel Medical Package. COVID-19 tests to meet travel requirements will not be covered.

Quarantine coverage in Discovery plans fall under the “Trip Delay” benefit offered under the optional Trip Delay Package. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.

The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.

Discovery has an optional Cancel For Any Reason benefit that can be added to the Trip Cancellation Package. The limit coverage is 75% (50% for FL residents) of your original trip cost. Not available to NY residents. Cancel For Any Reason must be purchased within 15 days of initial trip payment, you must insure the full trip cost, and any cancellations must be at least 48 hours before departure date. Available up to a maximum trip cost of $10,000 per traveling party.

All options of the plan would cover for the specific covered reasons. Some of these include: Sickness, Injury or Death, Felonious Assault, Court Ordered Appearance, Military Duty for Natural Disaster Relief, Jury Duty, Termination/Layoff, Strike, Inclement Weather, Hijacking, Terrorist Incident, Traffic Accident, Quarantine, Residence Uninhabitable

The Trip Cancellation Package is a pre-departure set of benefits that provides coverage in the event you have to cancel your trip for a covered reason before the departure date. Trip Interruption provides coverage after the departure date, and can cover up to 150% of 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.

The Discovery plan offers an optional Vacation Rental Damage Package, that can cover vacation rental damage in case you or the guests traveling with you cause damage to the property you’re staying in. It offers financial protection and peace of mind in case accidental damages occur while on vacation. Please review your policy document for limits and exclusions.

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

The optional Trip Cancellation Package offered in the Discovery plan covers up to 100% of your pre-paid, non-refundable trip cost if you need to cancel your trip for a covered reason. For instance, if you or your traveling companion become sick with COVID-19 before your departure date, Trip Cancellation will cover expenses for your unused, not refunded trip cost to a max of $20,000.00. Single Occupancy coverage up to 100% of 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. This can be purchased with an additional premium at the time of purchase.

The optional Trip Interruption benefit offered in the Discovery plan covers up to 150% of 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. For instance, if you or your traveling companion become sick with COVID-19 while traveling, Trip Interruption will cover expenses like additional flight costs if you aren't cleared to travel home on your original return date. This can be purchased with an additional premium at the time of purchase.

The optional Trip Delay Package offered in the Discovery plan includes:

Trip Delay provides up to $200 per day and $2,500 per trip to provide coverage for the costs of meals, local transportation, and accommodations when your trip is unexpectedly delayed for covered reasons.

Missed Connection provides $1,000 of coverage which can cover the cost of extra transportation to rejoin the trip, additional local expenses, and the cost of missed arrangements.

This can be purchased with an additional premium at the time of purchase.

The optional Baggage Package offered in the Discovery plan covers baggage and personal effects and provides up to $2,500 for reimbursement with a $100 deductible for lost, stolen, or damaged luggage, sporting equipment, and personal effects. Baggage Delay provides up to $100 per day or $500 per trip to cover the purchase of clothing, toiletries, and other essential items if your luggage is delayed for a specified period of time. This can be purchased with an additional premium at the time of purchase.

The optional Travel Medical Package offered in the Discovery plan includes:

Travel Medical Expense provides coverage up to $100,000 (up to $50,000 in NH), a $50 deductible for the costs to treat a medical emergency, including COVID-19, during a trip.

Emergency Medical Transportation and Repatriation of Remains, up to $500,000, for the transportation of a traveler to the nearest adequate medical facility or home in the event of a medical emergency during their covered trip.

Please note: Indiana residents must select the Travel Medical Package to qualify for the purchase of the insurance. This can be purchased with an additional premium at the time of purchase.

The optional Pet Medical Package offered in the Discovery plan includes Pet Medical Expense coverage up to $2,000 with a $100 deductible and Pet Return coverage up to $500. This can be purchased with an additional premium at the time of purchase.

The optional Rental Vehicle Damage benefit offered in the Discovery plan covers up to $35,000 per rented vehicle. A $250 deductible applies for a loss greater than $2,000. This can be purchased with an additional premium at the time of purchase.

The optional Accidental Death & Dismemberment benefit offered in the Discovery plan can cover up to the selected coverage amount of $100,000, $250,000, or $500,000 to cover loss of eyesight or hearing, loss of limbs or fingers, and death resulting from an accident while traveling. The coverage limit is chosen by you and can be purchased with an additional premium at the time of purchase.

Didn’t find what you are looking for?

Our smart travel assistant Luna is ready to assist you 24/7. She’ll answer your question instantly. Let’s Chat!

Send your question to one of our licensed agents. You’ll receive a response typically within 1 business day.

Ask An Expert

How COVID-19 is Covered Under Discovery

COVID-19 Medical Expenses

If you become ill with COVID-19 while traveling, your Travel Medical Expense coverage can cover those medical expenses, just as it would for any other illness.

COVID-19 Testing

If you contract COVID-19 while traveling 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.

COVID-19 Vaccination/Booster

This is not a covered expense.

Quarantine Benefit

Emergency Medical Evacuation

Emergency evacuation and repatriation of remains may be covered if you or a traveling companion require emergency evacuation due to COVID-19-related sickness while on a covered trip.during your trip, you may have coverage under Trip Cancellation or Trip Delay coverages.

Trip Cancellation

Disclaimer

All examples require that you have purchased the appropriate applicable coverage(s) for benefits to apply.

Similar Plans

Atlas Journey Premier

Underwriter: U.S. Specialty (USSIC)

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Baggage Loss

Up to $2,000, $500 per item

Cancel For Any Reason

Optional Add-on benefit

Emergency Medical*

Up to $150,000

Medical Evacuation*

Up to $1,000,000

*Pre-existing waiver available if purchased within 21 days of initial trip payment

iTravelInsured Travel LX

Underwriter: US Fire / SiriusPoint America

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Baggage Loss

Up to $2,500, $250 per item

Cancel For Any Reason

Optional Add-on benefit

Emergency Medical*

Up to $500,000

Medical Evacuation*

Up to $1,000,000

*Pre-existing waiver available if purchased within 20 days of initial trip payment

0/3 selected

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Discovery

Key Trip Insurance Benefits

Eligibility

Travel Coverage

Emergency Services

COVID-19 Benefits

Other

Discovery Exclusions

Discovery FAQs

Didn’t find what you are looking for?

How COVID-19 is Covered Under Discovery

COVID-19 Medical Expenses

COVID-19 Testing

COVID-19 Vaccination/Booster

Quarantine Benefit

Emergency Medical Evacuation

Trip Cancellation

Disclaimer

Similar Plans

Products

Popular Plans

Useful Links

Company