ExactCare Lite®- Road Trip Travel Insurance
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
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.
ExactCare Lite Coverage Details
|Reimburses you up to $500 maximum per traveler if you have to cancel your trip due to an unforeseen covered reason listed in the policy.
|Reimburses you for unused, non-refundable trip payments and additional expenses up to $750 maximum per insured traveler 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.
|When this is listed as “Included,” the exclusion of pre-existing medical conditions is waived as long as you meet all criteria outlined in your Description of Coverage. Please read the plan’s Description of Coverages for complete details.
|Provides reimbursement for emergency medical expenses if you suffer an injury or sickness while on your trip. Medical expense coverage is secondary on this plan. Some plans vary by state. Secondary coverage means your travel insurance pays second, and you may be 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.
|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.
|Pays you for an accident that results in the loss of life, limbs or sight. Some plans provide higher benefit limits if the accident occurs on a common carrier. Please read the plan’s Description of Coverages for complete details.
|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.
Also From Berkshire Hathaway Travel Protection
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 AM Best A++-rated financial security and strength – for peace of mind wherever, however you vacation.
See What Our ExactCare Lite Customers Have To Say
Claim Processing at Berkshire Hathaway
“I had the best claim processing exerience ever with a travel insurance company. Not only was the website so easy to use but their representatives were very courteous.”
“Super easy website to understand. Fair price.”
Great experience ...
“Great experience with simple claim process.”
Just the Coverage We Required
“Quick and easy to get coverage, also at a good price.”
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: Travel.state.gov)
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.
*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.