Berkshire Hathaway Travel Protection Insurance

BHTP currently offers seven plans ExactCare Value (budget trip protection), ExactCare (mid-tier with children free), ExactCare Extra (premium with flight delay fixed benefits and auto-tracking), LuxuryCare (highest limits + CFAR), WaveCare (cruise-specific), AdrenalineCare (adventure sports), and ExactCare Lite (post-departure only, no pre-departure cancellation).

ExactCare Value is the entry-level plan with $15,000 medical and $150,000 evacuation. It provides secondary coverage and no children free benefit best for solo budget travelers. ExactCare steps up to $50,000 medical, $500,000 evacuation, primary coverage, and includes two children free per adult the best value for families. ExactCare Extra offers the highest medical limit in the series ($75,000 medical, $750,000 evacuation) plus unique fixed benefits for tarmac delays, flight departure delays, and automatic flight tracking for claims purpose-built for frequent flyers.

Yes. BHTP is one of the most financially stable travel insurers in the USA, rated A++ by AM Best. It is well-regarded for fast claims processing, broad plan selection, and family-friendly pricing. It is best suited for budget travelers, families, and adventure sports enthusiasts.

Yes. ExactCare Value, ExactCare, ExactCare Extra, and LuxuryCare all include a pre-existing medical condition exclusion waiver, provided you purchase the policy within 15 days of your initial trip deposit. If you miss this window, pre-existing conditions will not be covered under any of these plans. ExactCare Lite, WaveCare, and AdrenalineCare have separate terms review their policy documents carefully.

Only the LuxuryCare plan includes CFAR coverage. It reimburses up to 50% of your non-refundable trip costs if you cancel for any reason not covered by standard trip cancellation. To qualify, you must purchase LuxuryCare within 15 to 21 days of your initial trip deposit and cancel at least 48 hours before scheduled departure.

Yes, but only on the standard ExactCare plan. Up to two children aged 17 and under are included at no additional premium with each paying insured adult, provided they are related to and traveling with that adult. This benefit is not available on ExactCare Value, ExactCare Extra, or any other BHTP plan.

Berkshire Hathaway Travel Protection uses its Burst® payment system. Most claims are filed with a photo from your smartphone a process BHTP calls "pic-and-a-click." Claims are processed up to five times faster than the industry average, with payments made directly to your bank account, PayPal, or by paper check.

A post-departure travel insurance plan is a plan where all coverages begin only after you have left home and started your trip. Unlike standard travel insurance plans that include pre-departure trip cancellation coverage, post-departure plans do not cover you if you need to cancel your trip before you leave.

The BHTP ExactCare Lite plan is a post-departure travel insurance plan, meaning all coverages start once you leave on your trip. It provides emergency medical and medical evacuation coverage.

No. All Berkshire Hathaway Travel Protection plans are available exclusively to U.S. residents. Non-U.S. residents visiting the United States should explore visitors insurance plans specifically designed for international travelers.

All BHTP plans include a 15-day free look period from the date of purchase. If you cancel within this period before your departure date and before filing any claim you will receive a full premium refund. Once a claim is filed, the free look cancellation option is no longer available. After 15 days, the policy is non-cancellable and non-refundable.