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Berkshire Hathaway Travel Protection ExactCare

ExactCare® from Berkshire Hathaway Travel Protection offers a higher level of coverage than the ExactCare® Value plan. It includes excellent comprehensive benefits such as trip cancellation, trip interruption, baggage protection and travel delay. ExactCare's many covered reasons for trip cancellation and trip interruption are detailed in the state-specific policy. ExactCare includes medical and emergency medical evacuation coverage, and with the exception of a few states, medical and emergency medical evacuation coverage can be increased to fit your needs.

Other additional benefits are included if you purchase the plan within 15 days of first trip payment such as pre-existing condition waiver, financial default coverage (for trip cancellation and trip interruption), and accidental death and dismemberment - common carrier air only (not available in all states).

Coverage may vary by state.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Highlighted Coverages

Trip Interruption
Baggage Loss
Medical Limit
$25,000* (secondary)

Medical Expense Upgrade (+$)


* Medical coverage is Primary if purchased within 15 days of your Initial Trip Payment Date (coverage may vary by state).
Pre-Existing Condition Lookback Period

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
U.S. Residents
AM Best Rating

Trip Protection

Trip Interruption
Terrorism in Itinerary City
Interrupt for Any Reason
Cancel for Any Reason
Baggage Loss

Medical

Medical Limit
$25,000* (secondary)

Medical Expense Upgrade (+$)


* Medical coverage is Primary if purchased within 15 days of your Initial Trip Payment Date (coverage may vary by state).
Dental
$500 included in Medical* (secondary)

* Dental coverage is Primary if purchased within 15 days of your Initial Trip Payment Date (coverage may vary by state).

Evacuation

Additional Benefits

24-Hour Emergency Assistance
Optional Coverages
Notes
Included Benefit
Missed Connection

Your Quote

To see the most accurate plan information and pricing Get a Quote

Ratings and reviews

Our customers rate the Berkshire Hathaway Travel Protection ExactCare on our site
(4.66) of 5
on average based on 665 reviews.
A.M. Best Rating
A+
Better Business Bureau Rating
We had to make a claim on our plan, and the process was fantastic. I would 100% buy insurance from Birkshire-Hathaway Travel Protection Again. We were scheduled to spend Christmas and New Years of 2019/2020 in Europe. We'd bought our airline tickets on miles, so initially didn't plan to even purchase insurance. But, then just a couple weeks before departure, I thought, "Well, stuff happens at the holidays and a lot of our accommodations are non-refundable, so maybe I should get a plan." 2-days before departure, one of our family members had an unexpected medical emergency that prevented us from going on the trip, and required emergent surgery. I contacted BHTP to let them know we were going to have to cancel, and make sure I "read all the fine print" about my responsibilities related to cancellation. The fine print was reasonable, essentially stating that I had to promptly notify all the trip providers that I was canceling, and obtain whatever refund I could. I did this, by email whenever possible for the purposes of easy documentation, and submitted my initial claim with BHTP. I then sort of let things slide for a while. Canceling the trip was emotionally stressful, compounded when COVID came a couple of months later and we had to delay the "replacement' trip indefinitely. Our BHTP rep let me know that I had 1-year from the date of the initial claim to finish submitting documentation, and so I took my time. Finally, last month (November of 2020) I realized I'd been procrastinating for too long and had better act. I collected all the required documentation. Because our trip was booked independently, we had over 10 individual items that we were claiming reimbursement for. AirBnbs, VRBO's, food and city tours, an EasyJet flight and train tickets, and a short-term rental booked direct with a local company. When I gathered everything together and put it in a PDF, there were over 90-pages of documentation (receipts, cancellation emails, documentation of the refunds we were able to obtain, credit card statements and more) in addition to our actual claim form. I summarized the charges in an excel sheet, to make life easier for the claims adjuster, and then sent it off. I fully expected some back and forth, requests for additional documentation or attempts to refuse our claim on some technicality that I'd missed in the fine print. I got none of that. This morning, about 3-weeks after submitting our final claim form and documentation, I got a notification that the full amount of our claim (Just under $6k) was sent to my Paypal account. I would 100% purchase trip insurance from BHTP again, in a second. My interactions with customer service reps were pleasant and helpful, their claim process was not burdensome, and ultimately, our claim was paid promptly and without issue.
Andrew H.
Purchased the Exact Care plan for a recent trip to Mexico during hurricane season. On our departure day a named tropical storm hit us and flight was cancelled. We incurred another night stay at a hotel, as well as food cost. Saved all my receipts of expensive incurred and email communication from airline confirming cancellation, and submitted it with my claim. Claim was processed way sooner than company originally stated and my full claim was approved. Payment was received less than 24 hours after claim was approved. Will definitely purchase trip insurance from Berkshire Hathaway again. They will be my go to travel insurance company from now on.
Gabriela S.
OUSTANDING COMPANY !! We did unfortunately have a claim and it was processed so rapidly, and without any problem- it was really an excellent experience. Highly recommended.
RHEA N.
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