LuxuryCare®- Luxury Travel Insurance
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
LuxuryCare Coverage Details
| Coverages | |
| 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 LuxuryCare plan will insure trips up to $100,000 maximum per traveler. | |
| Available | |
| Provides reimbursement for up to 50% of your non-refundable trip payments if you have to cancel a trip for any reason not listed in the Description of Coverages. CFAR is only available on LuxuryCare, for trips up to $10,000 per individual, and only if you are purchasing your travel insurance plan within 15 days of your initial trip deposit date. Must be added at time of purchase. CFAR cannot be added after purchase of a LuxuryCare plan. Please read the plan’s Description of Coverages for complete details. | |
| 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 LuxuryCare plan will provide up to $150,000 in trip interruption coverage per traveler. | |
| Included | |
| 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. | |
| $2,000 | |
| Reimburses you up to $2,000/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. | |
| $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. | |
| $100,000 | |
| 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. | |
| $1,000,000 | |
| 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. | |
| $2,500 | |
| Reimburses you if your luggage, personal items, and documents or visas are lost, damaged or stolen during your trip. Please read the plan’s Description of Coverages for complete details. | |
| $500 | |
| 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. Please read the plan’s Description of Coverages for complete details. | |
| $25,000 | |
| 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. | |
| Included | |
| When this is listed as “Included,” the plan covers financial default of an airline, cruise line, common carrier or tour operator as long as you meet all criteria outlined in your Description of Coverage. 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. | |
A Travel Insurance Company Backed By Experts
Berkshire Hathaway Travel Protection is a division of Berkshire Hathaway Specialty Insurance Company, which holds a financial strength rating of A++ from AM Best.
See What Our LuxuryCare Customers Have To Say
Great coverage and easy claim and reimbursement process
“BHTP has excellent coverage with many options, I've used them many times.
On my most recent trip, I had a new pair of headphones stolen.
Submitting a claim was easy and there were no extra steps to receive a quick approval and reimbursement. Highly recommend and will purchase again!”
—Scott C.
Prompt payment of claim
“We were unable to complete a major part of our trip due to weather issues. Our claim was promptly handled and settled to our satisfaction. I would use Berkshire Hathaway again.”
—Dennis M.
Easy to use
“Easy to use and follow the benefits”
—Lillian M.
Overseas/international medical
“Since Medicare does not cover persons traveling outside of the U.S., I decided to get medical insurance from Berkshire Hathaway just in case. I traveled to Mexico with extra medical coverage gave me peace of mind.”
—Edward N.
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.
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.
* 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.