Always read your policy before you buy, or discuss your questions and concerns directly with the insurance provider. Travel insurance experts can help you determine what plan is best for your type of trip and your concerns.
Your price depends on the element of risk. When figuring out how much travel insurance costs, remember the price you pay depends in large part on how large of a trip investment you are making – your trip cost!
Age, trip cost, plan type, number of travelers, and for some plans destination and trip length: all these factors can help determine risk, and often determine the cost of your policy.
Discounts are not permissible in travel insurance. Our products and rates are required to be filed with each state, and travel insurance providers are prohibited from offering discounts off the filed pricing. Any reduction in price must be based on a rate filed with the state department of insurance. Our ExactCare® plan does offer family-friendly pricing, meaning that 2 children are included in the coverage for every covered adult.
The best time to buy travel insurance is within 15 days of making the first deposit on your trip, since buying early can often qualify you for bonus coverages. However, many plans let you buy coverage up until the day before you leave. Just make sure you understand what is and isn’t covered if you don’t purchase within that 15-day window of making your initial trip deposit. The 15-day window (or the policy’s specified timeframe) applies to your specific policy.
The product descriptions provided here are only brief summaries. Coverage and benefits will vary depending on product and state of residency. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. Travel Insurance is underwritten by Berkshire Hathaway Specialty Insurance Company; NAIC #22276.