Road Trip Travel Insurance: Because Even Driving Vacations Can Cost You When Things Go Wrong

ExactCare® Lite was developed specifically for driving vacations.  This road trip travel insurance plan is not for those who will be flying, cruising or traveling internationally. 

It can cover hotel and other non-refundable payments, such as tickets to attractions, plus emergency medical and medical evacuation. 

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Backed by the financial security of Berkshire Hathaway Specialty Insurance.


“I have always used BHTP and they are a great company with excellent customer service and provide prompt service. Staff that is courteous and responsible."

– Shalini D.

Even if your transportation costs are lower, you may still have a lot of money on the line.

Driving is cheaper than flying or a cruise ship, sure.  But most road trips still require upfront reservation expenses, such as for hotel and attractions. You also could find yourself facing unforeseen medical expenses – especially if you’re out of network.

Road trip travel insurance from Berkshire Hathaway Travel Protection is there to help protect you when these issues strike – and with our 24/7 travel assistance, you’ll never be left stranded with no one to contact.

Road Trip Travel insurance protects your investment … and you.

ExactCare Lite from Berkshire Hathaway Travel Protection is easy, road trip travel insurance, specially designed for drive vacation related issues listed below.

  • Unexpected vacation cancellations: Anything from jury duty to a death in the family could force you to cancel your vacation – without guarantee for refunds
  • Travel interruptions: A traffic accident could waylay your plans, forcing you to miss out on events or attractions you already purchased tickets for
  • Medical emergencies: Out-of-network medical treatment can add up, and out-of-pocket health expenses can put a further damper on your vacation

With all these issues, you can count on:

  • Quick quotes: Purchase coverage in five minutes or less
  • Clear coverage: Receive coverage details in clear, easy-to-understand language
  • Easy claim submissions: File most claims in seconds, often with just a picture from your phone – and without piles of forms
  • Fast payments: Get your claims paid up to five times faster than industry averages*
  • Help when you need it: Count on 24/7 emergency travel assistance
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Trip Cancellation Insurance
Trip Cancellation Insurance
100% of trip cost
(up to $500/person)
Reimburses you for non-refundable trip payments up to $500/person if you have to cancel your trip due to an unforeseen covered reason listed in the policy.
Trip Interruption Insurance
Trip Interruption Insurance
Up to 150% of trip cost
($750 max per person)
Reimburses you for unused, non-refundable trip payments and additional expenses up to the stated percentage of your trip cost to transport you home or to a point where you can continue your trip. The interruption must be due to an unforeseen covered reason listed in the policy.
Emergency Medical Insurance
Emergency Medical Insurance
Up to $10,000
($500 dental max)
Covers medically necessary expenses if you're injured or get sick while on your trip (more than 100 miles from home).
Emergency Evacuation & Repatriation Of Remains
Emergency Evacuation & Repatriation Of Remains
Up to $100,000
Provides coverage for emergency medical evacuation and related medical services/supplies to the nearest adequate medical facility or the city of burial, in case of death.
Accidental Death & Dismemberment
Accidental Death & Dismemberment
Up to $10,000
Covers you if you die, lose certain body parts, or lose use of those body parts while on a covered trip.
Bonus Coverages  (Only available if policy is purchased within 15 days of initial trip deposit)
Pre-Existing Condition Waiver
Pre-Existing Condition Waiver
Included when purchased within 15 days of making initial trip deposit
If all conditions are met, the pre-existing medical condition exclusion will be waived up to the maximum listed in the policy.
Kids Included Pricing
Kids Included Pricing
Coverage for one child age 17 and under is included in the pricing of every one adult on the policy.
Services & Features
24/7/365 Worldwide Travel Assistance
24/7/365 Worldwide Travel Assistance
Provides a range of assistance and concierge services, including lost-baggage search, cash advance assistance, flight rebooking, restaurant reservations, directions, event ticketing, roadside assistance and more. Any additional costs (for lodging, transportation, meals, etc.) are the responsibility of the traveler.

Road Trip Travel Insurance With The Strength of Berkshire Hathaway Travel Protection.

Berkshire Hathaway Travel Protection has been protecting all types of vacations for years, and is backed by Berkshire Hathaway Specialty Insurance Company, which provides A.M. Best A++-rated financial security and strength – for peace of mind wherever, however you vacation.

“Wonderfully easy to purchase. Very helpful phone representative helped the process. Explained options and I got exactly what we needed. And we had the knowledge that our policy was backed by Berkshire Hathaway’s stoutness.”

-Peggy O.

“All went well.  Great customer service and great description of coverage.  Will buy again.  Thanks.” 

-Stephanie S.


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Road Trip Travel Insurance Q&A 

What does road trip travel insurance cover?

Our ExactCare Lite plan is specifically for drive vacations.  If you are flying, taking a cruise or traveling internationally, this is not the plan for you, and you should consider one of our other ExactCare plans

ExactCare Lite includes a minimum amount of cancellation insurance to cover your non-refundable deposits like hotels, attractions or event tickets.  It also includes emergency medical and medical evacuation coverage – in case you require out-of-network and out-of-pocket medical expenses while on your drive vacation.

Can you buy road trip travel insurance after booking?

Yes – and if you buy within 15 days of making your initial payment towards your trip, you qualify for bonus coverages, like coverage for pre-existing medical conditions. However, you can also buy coverage up until the day before you leave.

How much does road trip travel insurance cost?

Road trip travel insurance can cost from 5% to 7% of your total trip cost, though that amount can be influenced by:

  • Your age
  • The number of people covered under your policy
  • Number of days of your vacation
  • Number of days prior to your departure

As with any travel insurance, it pays to look around and compare to find the best road trip travel insurance policy for you.


Can trip insurance be worth it for a drive vacation?

Absolutely – road trip travel insurance can be worth it because it can help reimburse you for covered expenses like emergency evacuation, unexpected out-of-network emergency medical bills, and costs related to trip cancellation and interruption – like hotel cancellation penalties or non-refundable attraction or event tickets. The U.S. State Department includes travel insurance as a key component of its traveler’s checklist. (Source:


Do I need medical travel insurance while on a road trip?

A medical emergency outside your health plan’s network could mean hundreds or thousands of dollars of medical bills that you have to pay. Road trip travel insurance can help pay if you get sick or injured when you’re away from home, and can cover costs to evacuate you to an adequate medical facility.


Is ExactCare Lite right for me?

Does your vacation include non-refundable deposits like hotels, attraction or event tickets that you booked months out?  Are your pre-payments protected if you’re forced to cancel for a covered reason? Do you have adequate coverage if a medical emergency occurs while you’re away from home on vacation? ExactCare Lite may be your best road trip travel insurance option.

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*Fastest payments on approved claims when debit card, PayPal or other EFT method is chosen as preferred payment method. Speed of transaction varies by processing financial institution.

Please visit our Disclaimer page for underwriter info. Policies have exclusions and limitations. For complete details of coverage, contact BHTP by calling 844-411-2487, or emailing us at

Berkshire Hathaway Travel Protection (BHTP) is a registered trademark and a subsidiary of Berkshire Hathaway Specialty Insurance Company (BHSI), a leader in specialized casualty and liability insurance.  The information contained herein has been obtained from sources believed to be reliable.  BHTP disclaims all warranties as to the accuracy, completeness or adequacy of such information.  The opinions expressed herein are subject to change without notice.

Not all coverages available on all products. Check product descriptions for details.


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