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Berkshire Hathaway
This review will help you understand what Berkshire Hathaway Travel Protection has to offer and guide you toward the right insurance package for your needs.
Berkshire Hathaway offers several travel insurance policies for diverse needs. If you're unsure of what you need, the flagship product covers the essentials. If you are planning a road trip, taking a cruise, or focusing on luxury or adventure, Berkshire Hathaway Travel Protection offers plans for your unique needs.
The most popular policy, ExactCare, will work for most travelers. ExactCare's travel-agnostic insurance package offers 3 coverage tiers: ExactCare Value, ExactCare, and ExactCare Extra. Each of these policies covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance.
ExactCare Value | ExactCare | ExactCare Extra | |
Trip Cancellation | Up to full trip cost | Up to full trip cost | Up to full trip cost ($100K max) |
Trip Interruption | Up to full trip cost | Up to 150% of the trip cost | 150% of trip cost ($150K max) |
Travel Delays | Up to $500 | Up to $1K | Up to $1K |
Medical Expenses | Up to $15K | Up to $25K | Up to $50K |
Emergency Medical Evacuation | Up to $150K | Up to $500K | Up to $500K |
Missed Connections | N/A | Up to $500 | $100 (fixed) |
Lost, Damaged, or Stolen Luggage | Up to $750 ($50 deductible) | Up to $1K | $500 (fixed) |
Baggage Delays | Up to $200 | Up to $200 | $150 (fixed) |
Accidental Death and Dismemberment | N/A | Up to $10K | Up to $10K |
24/7/365 Worldwide Travel Assistance | Included | Included | Included |
Category-specific insurance plans are available as well for the following types of travel:
ExactCare Lite is a low-coverage policy for nonrefundable costs on domestic road trips such as hotel rooms, attractions, and event tickets. ExactCare Lite also includes emergency medical and medical evacuation coverage for covered events occurring more than 100 miles away from your home.
ExactCare Lite | |
Trip Cancellation | Up to full trip cost |
Trip Interruption | Up to 150% of trip cost ($750 max/person) |
Emergency Medical Insurance | Up to $10K ($500 dental max) |
Emergency Medical Evacuation & Repatriation of Remains | Up to $100K |
Accidental Death and Dismemberment | N/A |
24/7/365 Worldwide Travel Assistance | Included |
Importantly, if you have preexisting conditions that require ongoing care such as diabetes, high blood pressure, etc., a preexisting conditions waiver can be purchased within 15 days of the initial trip payment. Similarly, coverage for your kids can be included if purchased within 15 days of the initial trip payment.
WaveCare | |
Cruise Cancellation | Up to full trip cost ($25K/person) |
Cruise Interruption | Up to 150% of trip cost ($37.5K max/person) |
Cruise Interruption (Return Air Only) | Up to $1K (applies if $0 trip cost was selected at the time of insurance policy purchase) |
Cruise Delay | Up to $1K ($200 max/day of delay after delay of 5+ hours) |
Cruise Ship Disablement | $500 |
Lost, Stolen, or Damaged Baggage | Up to $1.5K |
Baggage Delay | Up to $200 (after 24+ hours) |
Missed Connection | Up to $500 (after delay of 3+ hours) |
Emergency Medical Insurance | Up to $75K ($500 dental max) - coverage if travel insurance policy is purchased within 15 days of your initial trip payment |
Emergency Medical Evacuation & Repatriation of Remains | Up to $750K |
Accidental Death and Dismemberment | Up to $10K |
24/7/365 Worldwide Travel Assistance | Included |
Coverage for preexisting conditions can only be added if insurance policy is purchased within 15 days of initial trip payment)
If you're taking a bucket list trip with increased risk, higher costs, or complex travel details, take a look at AdrenalineCare. This comprehensive policy offers higher coverage ceilings for trip cancellation or interruption, equipment delay, license fee refunds, medical emergencies, lost baggage, and medical evacuation. This product is especially useful if you're planning a trip with tight connections for transit, such as short times between connecting flights or a risky transfer from a vehicle to a boat or plane since the plan includes coverage for missed connections.
AdrenalineCare | |
Trip Cancellation | Up to full trip cost ($50K/person) |
Trip Interruption | Up to 150% of trip cost ($75K max/person) |
Trip Interruption (Return Air Only) | Up to $750 |
Trip Delay | Up to $600 ($200 max/day of delay after delay of 5+ hours) |
Equipment Delay | $500 (6+ hours) |
Lost, Stolen, or Damaged Baggage | Up to $1.5K |
Baggage Delay | $150 (after 12+ hours) |
Missed Connection | Up to $500 (after delay of 3+ hours) |
Emergency Medical Insurance (Primary Coverage) | Up to $50K ($500 dental max) |
Emergency Medical Evacuation & Repatriation of Remains | Up to $750K |
Accidental Death and Dismemberment | Up to $10K |
24/7/365 Worldwide Travel Assistance | Included |
Travelers with preexisting conditions need not worry with this plan. Coverage is included as are financial default and terrorism coverages.
LuxuryCare offers Berkshire Hathaway's highest ceilings for coverage for those times when your trip is too important or expensive to risk your investment.
LuxuryCare | |
Trip Cancellation | Up to full trip cost ($100K per person) |
Trip Interruption | Up to 150% of trip cost ($150K max/person) |
Trip Interruption (Return Air Only) | Up to $1K |
Trip Delay | Up to $2K ($200 max per day of delay after delay of 5+ hours) |
Sporting and Golf Equipment Delay | $500 (6+ hours) |
Lost, Stolen, or Damaged Baggage | Up to $2.5K |
Baggage Delay | Up to $200 (after 12+ hours) |
Emergency Medical Insurance (Primary Coverage) | Up to $100K except in New Hampshire, where coverage is up to $50K ($500 dental max) |
Emergency Medical Evacuation & Repatriation of Remains | Up to $1M |
Accidental Death and Dismemberment | Up to $25K |
24/7/365 Worldwide Travel Assistance | Included |
Coverages for preexisting conditions and financial default are included.
AirCare covers expenses specific to aviation travel including unexpected aircraft and tarmac delays, equipment failure, lost luggage, flight diversions, and late-night travel delays. This product is a good fit for travelers who are comfortable managing other aspects of travel risk on their own but want additional peace of mind in the event of flight-related hiccups.
AirCare sells a standalone policy or as an add-on alongside
AirCare | |
Flight Delay Insurance | $50 |
Flight Cancellation Insurance | $150 |
Missed Connection Protection | $100 |
Flight Disruption and Diversion Insurance | $150 |
Late Night Flight Delay Protection | $100 |
Tarmac Delay | $1K |
Lost Luggage Coverage | $500 |
24/7/365 Worldwide Travel Assistance | Included |
On average, travel insurance costs fall between 4% to 12% of your total trip costs, depending on the type of coverage you purchase. Based on the trips we tested,
Berkshire Hathaway Travel Protection makes it easy to file a claim using the dedicated app, available for both iOS and Android devices. Register for an online account, upload your travel details under your insurance policy, and complete the required information to submit your claim even while you're still on your trip.
For certain types of claims, such as lost baggage, you only need to submit a photograph of the claim you filed with the airline in addition to some basic information about the situation.
Many of the most positive customer reviews for
If you prefer to file a claim more traditionally, you can reach Berkshire Hathaway Travel Protection customer service via:
Website: https://www.bhtp.com/contact
Email: claims@bhtp.com
Phone: (844) 411-2487 (select option 5 to file a claim)
International number: +1 (715) 303-6333 (international calling rates will apply)
Customer service representatives are available between 7 a.m. and 7 p.m. Central Time, Monday through Friday, and the company is closed for national holidays. Callers can also reach an emergency operator 24/7 for travel or medical assistance by selecting options 1 or 2.
If you're in the market for one of
If you need travel medical insurance for a study abroad program, WorldTrips offers an international policy designed to meet students' needs. Keep in mind, WorldTrips has exclusions for pre-existing conditions on many policies. So if you're planning on being abroad for an extended period, you should make prior arrangements for things like diabetes, asthma, or other chronic conditions.
If you're considering the ExactCare Lite or AirCare travel plans from
Some credit card providers offer travel insurance benefits with sizable payouts. This includes reimbursements for lost or delayed baggage far exceeding Berkshire Hathaway's coverage limits. Similarly, some of the best credit cards offering travel insurance also advertise generous ceilings for medical insurance and evacuation benefits extending coverage into the million-dollar range.
To review Berkshire Hathaway Travel Protection, we looked at coverage limits, cost, customer service, claim limits, how plans can be customized, and much more. Then we compared these factors with other options in the travel insurance marketplace.
We named
Berkshire Hathaway is one of the most reputable travel insurance providers in the industry. The company provides several plans backed by great customer service.
You can use the Berkshire Hathaway app to file travel insurance claims directly on your phone. Most claims can be submitted with a few basic pieces of information and a photo or screenshot. Reimbursement times will vary, but Berkshire Hathaway offers multiple channels for customer service including phone, email, phone apps, etc.
You can easily buy a travel insurance policy online from Berkshire Hathaway Travel Protection. The website quote generator allows you to select the best plan, compare pricing, and check out in mere minutes.
Under some circumstances, credit card travel insurance benefits outperform standalone travel insurance products at no extra cost. This is best for short or simple trips. If you're planning an expensive, lengthy, or complex trip, a dedicated insurance policy can provide additional peace of mind.
