Image of magnifying glass looking at travel insurance documents and plane, luggage and mountains in background

WHAT IS TRAVEL INSURANCE ALL ABOUT?

Ready to dig into the ultimate travel insurance guide? We’ve done our research to provide in-depth answers to all your travel insurance questions starting with: 

Chapter 1: What is travel insurance?

Don't have time to read right now? 
Download the guide so you can read it whenever you'd like!

Get your FREE Guide!

Remember, those are under normal travel circumstances. When the weather turns bad or flight disruptions occur, travel can become an even chancier proposition.

For more detail about how travel insurance can help in these scenarios, visit Should I Buy Travel Insurance?

Learn more about our Travel Insurance Plans


What It CoVERS

Components of travel insurance generally include:

    +  Emergency medical insurance

    +  Emergency medical evacuation insurance

    +  Trip cancellation coverage

    +  Travel delay protection

    +  Protection for lost, damaged, or stolen luggage

    +  24/7 travel assistance

However, when you choose the right travel insurance for you it's important to match the plan to your specific travel type.

To learn more about coverage specifics, visit What Does Travel Insurance Cover? 

The Best Time To Buy It

The best time to buy travel insurance is right after booking  – but depending on how you like to travel and the plan you’re looking for, you can buy travel insurance until the day before you take off.

Keep in mind that if you buy travel insurance within two weeks of making the first deposit on your trip, you can often qualify for bonus coverages.

Besides right after booking, other great times to buy travel insurance include:

1. 50 days before departure

2. Two weeks before departure

3. The day before you leave

Chapter 6 of "What is Travel Insurance All About" guide, icon of calendar date

Get more information on the best times to buy travel insurance at When Is the Best Time To Buy Travel Insurance?

How Much It Costs

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

• The amount of coverage you’re choosing

• What’s covered in your plan

• The number of people covered under your policy

And some plans may even factor into the price:

• Your destination

• The length of your travel

• How far out from your departure date

• Your number of flight segments

You can learn more about the cost of travel insurance by visiting What Does Travel Insurance Cost?

Where You Buy It

As you might expect, the places where you buy travel insurance are the places where you buy travel, plus the places where you buy insurance. Basically, that means:

Chapter 8 of "What is Travel Insurance All About" guide, icon of desktop and mobile device with website on display

1. Directly from an insurance company

2. Online through an insurance aggregator

3. Through a travel professional

4. Through an insurance agent

5. Through a travel supplier

6. Through a credit card

If your travel professional doesn’t offer travel insurance when you book, ask about it. If you book online, search for “travel insurance” after you book to get the widest selection.

You can find out more about buying through these specific channels on our page titled Where Do I Buy Travel Insurance?

How You Buy It

Buying travel insurance is simple. All it takes is five steps:

1. Answer a few questions

2. Get a quote

3. Choose your plan

4. Review the coverage and read your policy

5. Buy coverage

Chapter 7 of "What is Travel Insurance All About" guide, icon of shopping cart with insurance policy inside

If you have second thoughts, many plans let you cancel coverage without obligation for a time after you buy the policy.

Buying directly from Berkshire Hathaway Travel Protection is one of the easiest ways to buy travel insurance. Getting a quote is fast, and there’s no obligation.

For more information about the travel insurance buying process, visit our page titled How Do I Buy Travel Insurance?



Is It Worth It?

In the end, the value of travel insurance will be proven when you actually have trouble when traveling, and travel insurance is there to help.

You’ll be a believer when you discover for yourself how easy it is to file a claim and be reimbursed for your medical expenses, your lost luggage, or the portion of the trip you were unable to complete.

And even if you never use your insurance protection, the travel assistance included with most plans can help with everything from lost passports to directions to concierge-type requests like restaurant reservations or theatre tickets.

To learn more about everything travel insurance can provide, visit Is Travel Insurance Worth It?

And if you’re ready to get a travel insurance quote, we’re ready to help.



GET A QUOTE

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 assist@bhtp.com.

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.

 

Want to become a safer traveler? Sign up for our monthly newsletter.