© Berkshire Hathaway Specialty Insurance Company, 2014 - 2024
The full coverage terms and details, including limitations and exclusions, are contained in the travel insurance policy. Plans vary per state. If you have questions about coverage available under our plans, please review the policy or contact us at 844-411-2487 or [email protected]. Please visit www.bhtp.com/legal/disclaimer for additional legal and privacy information. Berkshire Hathaway Travel Protection (BHTP) is a registered trademark of Berkshire Hathaway Specialty Insurance Company (BHSIC). Travel Insurance is underwritten by Berkshire Hathaway Specialty Insurance Company; NAIC #22276.
FAQs
Travel insurance can be useful, but it's not always necessary. The key to knowing if you need travel insurance is figuring out your specific risks for any given vacation, then deciding if you can buy coverage that adequately protects you from any financial losses and pitfalls that might occur.
Are trip protection and travel insurance the same thing? ›
Travel protection focuses primarily on trip cancellation and gives limited protection for unforeseen circ*mstances that may cause you to cancel or interrupt your trip. Travel insurance supplies broader coverage, protecting against a wider range of possible financial losses during your travels.
What is the best travel insurance to buy? ›
The Best Travel Insurance Companies
- AXA Assistance USA – Best for Baggage.
- Generali Global Assistance – Great for Pre-Existing Medical Condition Coverage.
- Travelex – Best for Families.
- HTH Worldwide Travel Insurance – Best for Trip Interruption.
- Nationwide – Great for Cruise Itinerary Change/Inconvenience.
What reasons are not covered by traveler's insurance? ›
According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."
How much does trip protection insurance cost? ›
While travel insurance costs vary, the average is somewhere between 4-12% of your total trip cost*. If you're on the fence, then consider this: an emergency situation can cost tens of thousands of dollars, but the insurance plan might be a fraction of your trip cost.
Does travel insurance cover cancelled flights? ›
Cancellation cover is a common inclusion with most standard travel insurance policies, but you can take it out separately if it doesn't offer enough cover. Alternatively, if you only want cancellation cover to protect you against cancelled flights rather than baggage protection, you can get it for that.
Does travel insurance cover trip cancellations? ›
Depending on the travel insurance plan, your policy will help cover costs up to the time and date of your departure. Trip cancellation benefits are usually included in a standard travel insurance policy, but some travel insurance companies sell trip cancellation as a stand-alone policy.
Does travel insurance cover trips already booked? ›
If you buy a policy straight after booking, it should mean you're covered if you need to cancel your trip or if your holiday company goes bust before you go away. Sorting out your travel insurance well in advance also gives you time to compare prices and make sure you get the right policy for you.
How much travel insurance is enough? ›
How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.
What is the most common travel insurance claim? ›
Medical emergencies (59.8%) Needing to cancel a trip for an unforeseen reason (31.2%) Lengthy travel delays (5.7%)
In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations. The sooner you buy travel insurance, the sooner you'll have protection and the more benefits you may be eligible to receive.
Do I need travel insurance if I have health insurance? ›
The short answer: Yes. According to Medicare.gov, health care you get while traveling outside the U.S. isn't covered. There are a few rare exceptions.
Does travel insurance get more expensive closer to the trip? ›
Unlike other aspects of your travel experience like airfares or hotel-room rates, the price of travel insurance doesn't increase the closer you get to your travel date. There's no financial penalty if you wait to buy travel insurance (except for those bonus coverages, of course).
When should you get travel insurance? ›
When to buy travel insurance can depend on the trip or trips you're taking and the kind of policy you choose to suit them. Usually, though, it's best to get cover in place for your holiday as soon as you've booked or made a financial commitment to it.
Does it matter when I buy travel insurance? ›
In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations. The sooner you buy travel insurance, the sooner you'll have protection and the more benefits you may be eligible to receive.
Is it worth getting travel medical insurance? ›
If you intend on traveling outside of the U.S. it's a good idea to purchase some form of travel medical insurance, even if you're in good health.
What is the advantage of travel protection? ›
One of the main reasons of opting for Travel Insurance is to compensate against accident or medical treatment costs that may incur during travel. In case of any accident, dental treatment or medical treatment, expenses up to the limit specified in the insurance policy are reimbursed by the insurance company.
Is there a downside to using a travel agent? ›
Travel agents can save you money sometimes, but it comes at a cost that might not fit into your budget. Some agents charge high fees or percentages of the total vacation cost. Finding the right agent. It can take time to find the right travel agent, advisor or expert.