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

100% of Trip Cost
150% of Trip Cost
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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

five star rating

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.

five star rating

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.

five star rating

Easy to use
“Easy to use and follow the benefits”

—Lillian M.

five star rating

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.