BHTP ExactCare Travel Insurance

It is a comprehensive travel insurance plan that covers trip cancellation, medical emergencies, evacuation, and travel delays.

BHTP ExactCare covers trip cancellation (100% of trip cost), trip interruption (150% of trip cost), emergency medical expenses (up to $50,000), emergency medical evacuation (up to $500,000), baggage loss (up to $1,500), baggage delay, trip delay, missed connections, accidental death & dismemberment, and travel dental coverage. Pre-existing conditions are covered when the plan is purchased within 15 days of the initial trip deposit. Optional car rental collision coverage (up to $35,000) can be added.

No. These are three distinct plans with meaningfully different benefits. ExactCare Value is the entry-level plan secondary medical at $15,000, trip cancellation up to $20,000, no children free benefit, and no missed connection coverage. ExactCare (this plan) is the mid-tier: primary medical at $50,000, trip cancellation up to $100,000, includes children free, missed connection, and AD&D. ExactCare Extra is the premium tier focused on frequent flyers $75,000 secondary medical, fixed benefits for tarmac delays and flight departure delays, and automatic flight tracking for claims. ExactCare Extra does not include the children free benefit.

Yes. BHTP ExactCare includes a pre-existing medical condition exclusion waiver. To qualify, you must purchase the plan within 15 days of your initial trip deposit or first trip payment. The waiver covers both the medical expense benefit and the trip cancellation benefit related to a pre-existing condition. There is no age restriction for the waiver it applies to travelers of all ages who meet the purchase timing requirement.

Yes ExactCare is one of the best-value options for international family travel in the BHTP lineup. The children free benefit (up to 2 per adult) significantly reduces the cost for families. The $50,000 primary medical coverage is meaningful for most international destinations. However, for very expensive healthcare destinations (Japan, Switzerland, Australia) or extended international trips, families may want to evaluate whether $50,000 is sufficient or whether LuxuryCare's $100,000 medical limit is more appropriate for their risk profile.

BHTP is known for processing claims up to five times faster than the industry average. Most claims can be filed using the "pic-and-click" digital system simply photograph your receipts and submit online or via mobile. ExactCare Extra users who add their flight details get the added benefit of automatic flight tracking, allowing eligible flight-related claims to be approved and paid automatically without manual filing.

Yes. Every BHTP plan includes a 15-day free look period from the date of purchase. If you cancel within this window before your departure date and no claims have been filed you will receive a full premium refund. After the 15-day period, the policy is non-cancellable and non-refundable. If a claim is filed during the free look period, cancellation is no longer available.

Under the BHTP ExactCare plan, up to two children aged 17 and under are covered at no additional premium per paying insured adult. The children must be: (1) traveling with the insured adult throughout the trip, and (2) related to the insured adult (children, grandchildren, stepchildren, etc.). This is an exclusive feature of the standard ExactCare plan it is not offered on ExactCare Value, ExactCare Extra, or any other BHTP plan.

No. Berkshire Hathaway ExactCare covers all ages.

ExactCare typically provides primary medical coverage, meaning it pays first without requiring other insurance claims.

Cancel for Work Reasons" is a covered reason that allows trip cancellation reimbursement if your employer requires you to work during your scheduled trip dates. This typically applies when cancellation is required due to an unexpected business emergency, a mandatory change in work obligations, or a required job transfer to a new location. This is a separate benefit from CFAR (Cancel For Any Reason), which reimburses for any cancellation but is only available on LuxuryCare. Review the policy certificate for the specific qualifying conditions for Cancel for Work Reasons.