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Discovery : Reviews, Ratings, and Feedback

Discovery

Trip Plan, A.M. Best Rating: A- (Excellent)
Underwriter: Spinnaker Insurance

Discovery Insurance is a customizable single-trip travel insurance plan from battleface, designed primarily for U.S. residents traveling domestically or internationally rather than visitors coming to the United States. The plan lets travelers select coverage packages based on their trip, with options that can include travel medical expenses, emergency evacuation and repatriation, trip cancellation and interruption, trip delay, baggage protection, and other travel-related benefits. Travel medical coverage can provide up to $100,000 for eligible emergency medical expenses, with limits and availability varying by state.

For travelers comparing Discovery Insurance or Discovery travel insurance, the plan may be relevant if you want to build coverage around a specific trip instead of purchasing a fixed package. battleface administers the plan, while Spinnaker Insurance Company underwrites the insurance. Discovery is not traditional visitor insurance for the USA, and its medical coverage is a limited-benefit travel insurance component rather than comprehensive major medical insurance. As with any travel medical insurance, benefits are subject to the policy’s eligibility requirements, deductibles, exclusions, limits, and state-specific terms.

No optional add-on benefits on this plan.

Plan Highlights

  • Trip Cancellation Package
  • Pre-Existing Conditions (Pre-Ex)
  • Optional Trip Interruption
  • Optional Travel Medical Package
  • Optional Trip Delay Package
  • Optional Baggage Package
  • Optional Cancel For Any Reason (CFAR)
  • Optional Accidental Death & Dismemberment
  • Optional Rental Car Damage
  • Optional Pet Medical Package
  • Optional Vacation Rental Damage
Key Metrics

Key Metrics

  • Administrator: battleface
  • Underwriter: Spinnaker Insurance
Reviews and Ratings

Reviews & Ratings

  • A.M. Best Rating: A- (Excellent)
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • Customizable Trip Insurance Coverage: Travelers can add various optional riders to customize a plan to meet their specific needs
  • Available for U.S residents up 85 years of age
  • Covers trips up to 90 days domestically or internationally (30 days for FL residents)
  • Up to 10 people allowed on one policy
What's Not So Good

What's Not So Good

  • Not available for non-U.S residents
  • Cancel For Any Reason (CFAR) must be purchased within 15 days of initial trip deposit date
  • Not Available for the following Destination Countries: Afghanistan (AFG), Belarus (BLR), Burkina Faso (BFA), Central African Republic (CAF), Chad (TCD), Cuba (CUB), Haiti (HTI), Iran (IRN), Iraq (IRQ), Libya (LBY), Mali (MLI), Mauritania (MRT), Myanmar (MMR), Niger (NER), North Korea (PRK), Russia (RUS), Somalia (SOM), South Sudan (SSD), Sudan (SDN), Syria (SYR), Ukraine (UKR), Venezuela (VEN) & Yemen (YEM)
  • Not Available to Residents of the Following U.S. States/Territories: Puerto Rico (PR), Washington (WA), American Samoa (AS), Guam (GU), New Hampshire (NH) & Virgin Islands (VI)

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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.

Luna
VisitorsCoverage Support