What Is ExactCare?
With the trip protection travelers want most – for trip cancellation or interruption, medical emergencies, lost baggage, and more – plus speedy* claims processing and family-friendly pricing, ExactCare from Berkshire Hathaway Travel Protection might be the comprehensive vacation insurance you’re looking for.
- Comprehensive coverage for trip cancellation and interruption
- Up to $25,000 in emergency travel medical insurance
- Pre-existing conditions covered (if purchased within 15 days of initial trip deposit)
- Optional car-rental insurance (collision coverage)
- Pic-and-a-click claim filing and quick* claim payments
- 24/7 global travel assistance
Different Travel Insurance
Better Travel Insurance.
Need some trip insurance for that first holiday with the kids? You can afford it when you’re saving with the family-friendly pricing of ExactCare. A lot can happen from here to there. ExactCare travel insurance covers anyone, any day, practically anywhere.
Is ExactCare Right For Me?
Traveling with a family? Are you more comfortable with conventional luggage and trip cancellation benefits? Traveling to a single location, like a theme park? ExactCare could be your best travel insurance option – the perfect combination of coverage and price.
ExactCare Coverage Details
|100% of Trip Cost|
|Reimburses you for non-refundable trip payments up to your trip cost if you have to cancel your trip due to an unforeseen covered reason listed in the policy. Our ExactCare plan will insure trips up to $100,000 maximum per traveler.|
|150% of Trip Cost|
|Reimburses you for unused, non-refundable trip payments and additional expenses up to 150% 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. Our ExactCare plan will provide up to $150,000 in trip interruption coverage per traveler.|
|Reimburses you for additional transportation expenses incurred in order to reach your return destination due to unforeseen events.|
|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.|
|Reimburses you up to $1000/max $200 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.|
|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.|
|Covers medically necessary expenses if you're injured or get sick while on your trip. Could be primary or secondary medical coverage based on your trip details. Primary coverage means your travel insurance pays first, and you are not required to first submit a claim to your individual health insurance plan. Secondary coverage means your medical expense claim should first be submitted to your individual health insurance plan. Includes up to $500 in emergency dental coverage.|
|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.|
|Covers your lost, stolen or damaged luggage, personal items, and documents. Please read the plan’s Description of Coverages for complete details.|
|Reimburses you for the purchase of necessary personal effects if your luggage is delayed more than 24 hours. This benefit does not apply if baggage is delayed while traveling to your return destination.|
|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.|
|Available for purchase as an upgrade on certain BHTP plans. Provides compensation if the insured dies or experiences loss of limbs, etc. while a passenger on a scheduled commercial airline.|
|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. A deductible may apply. 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
Our travel insurance plan lineup lets you choose your coverage, from travel health insurance to trip cancellation coverage to tarmac delay. Compare our plans and discover the best travel insurance for you.
Quick Claims. No Headaches.
- Berkshire Hathaway Travel Protection processes claims up to five times faster*
- Most 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)
Get Paid For Travel Troubles. Fast.*
Every travel-insurance policy issued by Berkshire Hathaway Travel Protection includes secure and speedy* claim-payment processing with BHTP Burst®. Get paid in minutes* – not days, weeks, or months – via your preferred channel: Direct Deposit, PayPal, or into a specified account.
* Based on industry average. Fastest payment on approved claims is based on electronic payment of claim. Speed of transaction varies by processing financial institution.
* Subject to limitation and exclusion of the policy.
** Based on industry average. Fastest payment on approved claims is based on electronic payment of claim. Speed of transaction varies by processing financial institution.