Luxury Travel Insurance: Travel Insurance Specifically for High-End Travel

LuxuryCare® is a comprehensive travel insurance plan with Berkshire Hathaway Travel Protection’s highest medical and medical evacuation benefits, trip cancellation for trips costing up to $100,000 per person, Cancel for Any Reason upgrade, and more.

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Backed by the financial security of Berkshire Hathaway Specialty Insurance.

“From purchasing a policy to submitting a claim to receiving a settlement, the process was simple and fast. BHTP is by far my favorite travel insurance company. Staff is courteous and knowledgeable. I highly recommend this company.” 

- Sheryl W.


Don’t Gamble With Your Travel Investment.

A luxurious vacation is a big investment – and you could lose that investment if you don’t protect it from:

  • Unexpected cancellation: If one of the insureds, their spouse or domestic partner becomes pregnant or approved for an adoption, or extra days are added to your child’s school calendar unexpectedly, you could be forced to cancel your vacation – without guarantee of a refund.
  • Medical emergencies: Medical treatment away from home can be complicated and costly – and almost always out-of-network.
  • Travel delays: Getting stranded in an airport and missing flight connections is more than an inconvenience – it can be costly to catch up on your vacation plans.
  • Lost luggage: Clothes, electronics, and more can vanish in an instant – and how will you recover what you need on vacation?

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

Luxury Travel insurance protects your investment … and you.

LuxuryCare from Berkshire Hathaway Travel Protection is easy, full-featured trip insurance, specially designed for travel issues listed below.  

LuxuryCare covers more reasons for cancellation than any other offered by Berkshire Hathaway Travel Protection. Some of these additional covered reasons include:

  • You become pregnant or approved for an adoption and can’t travel
  • Your child’s school calendar is adjusted over the holidays or at the end of the year to make up for lost days
  • You or your traveling companions are not medically able to receive the proper vaccinations or your travel documents are lost or stolen
  • Plus, LuxuryCare offers the Cancel for Any Reason upgrade on eligible trips.


With all these issues, you can count on: 

  • Quick quotes: Get covered in as little as five minutes
  • Clear coverage: Receive coverage details in clear, easy-to-understand language
  • Easy claim submissions: File many 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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Emergency Medical Insurance
Emergency Medical Insurance
Up to $100,000*
($500 dental max) Note: Coverage is primary *NH is $50,000
Can cover medically necessary expenses if you're injured or get sick while on your trip.
Emergency Evacuation & Repatriation Of Remains
Emergency Evacuation & Repatriation Of Remains
Up to $1 million
Can provide 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.
Trip Cancellation Insurance
Trip Cancellation Insurance
100% of trip cost
(up to $100,000/person)
Can reimburse 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.
Trip Interruption Insurance
Trip Interruption Insurance
Up to 150% of trip cost
($150,000 max per person)
Can reimburse 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.
Trip Interruption – Return Air Only
Trip Interruption – Return Air Only
Up to $1,000
Can reimburse you for additional transportation expenses to reach your return destination due to one of the unforeseen events covered under Trip Interruption. Cannot be combined with Trip Interruption.
Trip Delay
Trip Delay
Up to $2,000
($200/day) (5 hours or more)
Can reimburse you for additional meals, accommodations, and stated miscellaneous expenses if your travel is delayed by a covered unforeseen reason for the number of hours your policy specifies.
Missed Connection
Missed Connection
Up to $500
(3 hours or more)
Can reimburse you if you experience a covered delay which causes you to miss your flight, cruise or other covered transportation's departure.
Baggage & Personal Effects
Baggage & Personal Effects
Up to $2,500
Can reimburse you if your luggage or travel documents are lost, damaged or stolen while you are traveling.
Baggage Delay
Baggage Delay
Up to $200 Fixed
(12 hours or more)
Can pay a fixed amount if your luggage is delayed for the time period specified in your policy. This benefit does not apply if baggage is delayed while traveling to your return destination.
Sporting & Golf Equipment Delay
Sporting & Golf Equipment Delay
Up to $500
(6 hours or more)
Can reimburse you for the rental or purchase of sporting equipment if yours is delayed for the time period specified in your policy.
Accidental Death & Dismemberment
Accidental Death & Dismemberment
Up to $25,000
Can cover 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
If all conditions are met, the pre-existing medical condition exclusion will be waived up to the maximum listed in the policy.
Financial Default
Financial Default
If all conditions are met, provides coverage for financial default of an airline, cruise line, common carrier or tour operator.
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.

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

Berkshire Hathaway Travel Protection has been protecting 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 you vacation.

“Easy to use, great value!  This insurance has been great for me -- affordable, comprehensive, and no-hassle!”

– Sarah M.


“Our experience with Berkshire Hathaway was extraordinary. They were prompt to respond and payed us for delays on the way home. Thank you!”

– Jennifer F.

Luxury Travel Insurance Q&A 


What does luxury travel insurance cover?

Our luxury travel insurance plan includes cancellation insurance for trips up to $100,000 per person, and our highest levels of medical expense and medical evacuation limits.  LuxuryCare also includes trip interruption, trip delay, missed connection, and coverage for lost, damaged, or stolen luggage.* LuxuryCare’s medical coverage is primary in the base plan – which means no need to meet certain requirements or pay more for medical coverage to be primary.

Does LuxuryCare include Cancel For Any Reason?

Our luxury travel insurance plan includes the option to purchase the Cancel For Any Reason (CFAR) coverage upgrade.  Coverage includes up to 50% trip cancellation coverage for trips valued up to $10,000 per traveler. CFAR may only be added at the time of policy purchase and within 15 days of the initial trip deposit. All travelers must be medically able to travel at time of purchase and full trip cost must be insured. Trips must be cancelled no less than 48 hours prior to the departure date.


Can you buy luxury travel insurance after booking?

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

How much does luxury travel insurance cost?

Luxury travel insurance can cost from 5% to 10% of your total trip cost, though that amount can be influenced by:

  • Your age
  • How much you’re spending on your trip
  • Number of days you are vacationing
  • When you are traveling
  • Number of days until your departure
  • The number of people covered under your policy
  • Where you are going

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

Can trip insurance be worth it for a luxury vacation?

Absolutely – trip insurance can be worth it because it can help reimburse you for covered expenses like emergency evacuation, medical bills, and costs related to trip cancellation and interruption. The U.S. State Department includes travel insurance as a key component of its traveler’s checklist.

Do I need medical travel insurance while on a vacation?

A medical emergency away from home could mean thousands of dollars of bills that you have to pay. Travel medical insurance can help pay if you get sick or injured when you’re traveling, and can cover costs to evacuate you to an adequate medical facility.

Should I insure my luxury vacation?

Savvy travelers usually do. If you’re not sure, ask your travel professional, or someone who’s suffered mishaps while vacationing.

Is LuxuryCare right for me?

Is your vacation booked months out?  Is your vacation payment 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? LuxuryCare may be your best travel insurance option.

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

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