ExactCare Lite®- Travel Medical Insurance
What Is ExactCare Lite?
ExactCare Lite is a post-departure travel insurance plan offering coverage for medical emergencies while traveling. Post-departure means your coverage kicks in the day you depart. Ideal for last-minute trips, or travelers not concerned about protecting nonrefundable trip deposits.
- Up to $50,000 in emergency travel medical expense, primary coverage
Also includes coverage for trip delay, missed connection, and baggage delay Up to $1,000 in trip interruption – transportation only to cover early return flight change fees 24/7 global travel assistance Pic-and-a-click claim filing and quick claim payments
Is ExactCare Lite Right For Me?
Are you worried about a medical emergency while on your dream vacation? Traveling overseas and concerned about emergency medical coverage? What if you need to see a doctor, are rushed to the hospital while traveling overseas, or require an emergency medical evacuation? ExactCare Lite provides the coverage you're looking for.
What if trip delays, missed connections or delayed baggage add unexpected costs while on vacation? ExactCare Lite provides coverage for those type of unexpected incurred expenses as well.
The fact is, many what-ifs turn into real issues when traveling. That's why you need the security and peace of mind of BHTP.
ExactCare Lite Coverage Details
| Coverages | |
| $50,000 | |
| Provides reimbursement for emergency medical expenses if you suffer an injury or sickness while on your trip. Medical expense coverage is primary on this plan. Some plans vary by state. Primary coverage means your travel insurance pays first, and you are not required to first submit a claim to your individual health insurance plan. Includes some dental coverage. Please read the plan’s Description of Coverages for complete details. | |
| $500,000 | |
| Covers reasonable and customary charges for an emergency medical evacuation incurred for an injury or sickness that occurs while on a trip. Please read the plan’s Description of Coverages for complete details. | |
| $1,000 | |
| Reimburses up to $1,000 maximum per insured traveler to transport your return. The interruption must be due to an unforeseen covered reason listed in the policy. Please read the plan’s Description of Coverages for complete details. | |
| $1,000 | |
| Reimburses you up to $1000/max $250 per day for additional meals, accommodations, and stated miscellaneous expenses if your travel is delayed due to a covered unforeseen reason and for more than 5 hours. | |
| $500 | |
| Pays up to $500 if you experience a covered delay lasting more than 3 hours which causes you to miss your flight, cruise or other covered transportation’s departure. | |
| $1,000 | |
| Covers your luggage, personal items, and documents. Please read the plan’s Description of Coverages for complete details. | |
| $250 | |
| Reimburses you for the purchase of necessary personal effects if your luggage is delayed more than 12 hours. This benefit does not apply if baggage is delayed while traveling to your return destination. | |
| $10,000 | |
| Pays you for an accident that results in the loss of life, limbs or sight. Please read the plan’s Description of Coverages for complete details. | |
| $35,000 | |
| Available for purchase as an upgrade on certain BHTP plans. Provides reimbursement for repairs if your rental vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood. Eligibility varies by state and destination. A deductible may apply. Please read the plan’s Description of Coverages for complete details. | |
| Included | |
| 24-hour access to a service team that can help in a medical emergency (e.g., locating a doctor, hospital or pharmacy), travel emergency (e.g., finding alternative flights, last-minute hotel changes or car rental assistance), or simply obtain concierge assistance for non-emergency requests (e.g., restaurant reservations, theater or event tickets). Costs of the services are the responsibility of the insured if not covered under the policy. | |
See What Our Customers Have To Say
“We have made it a habit to take BHTP when traveling out of the USA and have luckily had to claim only once but the process is simple, well defined, and the claim was processed and paid in a reasonable time.”
—Kunda J.
“Easy to purchase online or with a representative over the phone. Offered good coverage for the money.”
—Susan T.
“The recent trip to Nigeria was better than my first trip. I went with the confidence of knowing I was fully covered by insurance should anything interrupt my travels.”
—Gloria H.
“BHTP makes applying for travel insurance easy and affordable.”
—Paul L.
Also from Berkshire Hathaway Travel Protection
Our ExactCare suite of travel insurance lets you choose the plan with the coverage that best suits your vacation needs. From travel medical coverage, to full, comprehensive plans with trip cancellation coverage, we have a number of plans to choose from. Compare our plans and discover the best travel insurance for you.
With BHTP, Hassle-Free Claims Come Standard
- We offer a fast, easy claims process
- If you have a claim, file it easily and conveniently on your phone or online, and get paid quickly using your selected payment method
- Most travel insurance claims can be filed with a “pic-and-a-click” – on the go, without piles of forms
- Have a problem with your claim? Live help is available worldwide (7 a.m.-7 p.m. Central Time M-F)