BHTP ExactCare Value Travel Insurance
Affordable travel protection for budget travelers, plans start around $50 for a 15-day trip for a 20-year-old traveler.What is ExactCare Value Travel Insurance?
ExactCare Value is Berkshire Hathaway Travel Protection's entry-level trip cancellation plan designed for U.S. residents who want to protect their travel investment without paying for high medical limits or premium perks they don't need. It covers the core risks that most travelers face: a sudden illness before departure, a family emergency that forces cancellation, or a flight delay that strands you overnight.
Key Highlights- Trip Cancellation & Interruption: Covers up to 100% of your trip cost up to $20,000.
- Emergency Medical Coverage: Up to about $15,000 for illnesses or injuries.
- Emergency Medical Evacuation: Up to $150,000 for transport to a proper facility.
- Pre-existing Condition Waiver: Available if purchased within a set time (typically 15 days).
- Baggage & Travel Delay: Includes limited coverage for lost baggage and delays.
- 24/7 Travel Assistance: Worldwide support during your trip.
With solid core benefits, easy claims processing, and 24/7 global assistance, the ExactCare Value plan helps safeguard both your travel investment and your health while traveling, making it a great choice for budget-conscious travelers.
Berkshire Hathaway ExactCare Value Insurance Reviews
Who Should Buy ExactCare Value?
ExactCare Value is the right plan when cost-efficiency matters more than maximum limits.
- Solo budget travelers taking domestic or short international trips where trip costs are under $20,000.
- Domestic U.S. vacationers who already have health insurance at home and just need trip cancellation protection.
- First-time travel insurance buyers who want a straightforward, no-frills plan to test coverage before upgrading.
- Travelers with pre-existing conditions who purchase within 15 days of their first trip payment and need the waiver.
- Spontaneous or last-minute travelers who book close to departure and want basic cancellation + medical protection.
- Road-trippers protecting hotel bookings and prepaid reservations across U.S. destinations.
How Much Does Berkshire ExactCare Value Insurance Cost?
The ExactCare Value insurance cost per month is starting at just $50 for 15 days duration.
- Traveler’s age
- Trip Duration
For example here we are showing ExactCare Value travel insurance cost for $20,000 maximum coverage for a 15 days trip length and a trip cost of $3,000, $5,000, $10,000 and $20,000 respectively.
What Are the Benefits of ExactCare Value Insurance?
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Trip Cancellation help 100% of Trip Cost up to $20,000 Trip Interruption help 100% of Trip Cost Trip Delay help $500/max $100/day Medical Expense help $15,000 Emergency Evacuation & Repatriation of Remains help $150,000 Lost Baggage help $750 Baggage Delay help $200 Pre-existing Medical Condition Exclusion Waiver Covered if purchased within 15 days of the Initial Trip Deposit Date. Dental $500 Car Rental Collision Coverage $35,000 Non Insurance Service: Worldwide Travel Assistance Included Financial Default Included
Why Choose ExactCare Value Travel Insurance?
Berkshire Hathaway Travel Insurance ExactCare Value is a great choice if you want affordable travel insurance that covers the most important risks without paying for premium-level benefits.
- Protect your trip investment: Covers up to 100% of your trip cost, up to $20,000 for cancellation and interruption due to covered reasons .
- Essential medical coverage while traveling: Includes emergency medical coverage (up to $15,000) and medical evacuation (up to $150,000) for unexpected situations abroad.
- Coverage for common travel issues: Protection for trip delays, baggage loss, and baggage delays, helping cover unexpected travel disruptions .
- Works alongside your existing health insurance: ExactCare Value provides secondary coverage, meaning it can reimburse eligible expenses after your primary insurance pays helping reduce your out-of-pocket costs.
- Fast and simple claims process: Easy “pic-and-click” digital claims filing with faster-than-average claim payments
- Pre-existing condition waiver available: Coverage available if the plan is purchased within a specified time after your initial trip deposit
- Optional add-on benefits: Includes options like rental car collision coverage (up to $35,000) for added protection
- 24/7 worldwide travel assistance: Access support anytime for emergencies, medical help, or travel coordination
Understanding Secondary Medical Coverage
ExactCare Value provides secondary medical coverage. Knowing what this means helps you decide whether this plan fits your health insurance situation.
Secondary Coverage (ExactCare Value)
Secondary coverage pays after your primary health insurance has processed the claim. If your primary plan covers a portion of the medical expense, ExactCare Value reimburses the remaining eligible costs, up to $15,000. If you have no primary health insurance, you would need to pay the provider first and then seek reimbursement from BHTP.
Primary Coverage (ExactCare)
The standard ExactCare plan offers primary medical coverage. It pays first regardless of other insurance up to $50,000, with no need to file with your health plan first. This simplifies the claims process and is better suited for international travel where your domestic insurer may not respond quickly.
How Do I File a Claim With ExactCare Value Insurance?
To file a claim with ExactCare Value Insurance, follow these steps:
Download Form
Get claim form online
Call Support
855-487-1745
Submit Documents
Mail to Berkshire Hathaway Specialty Insurance Company, 1265 Main Street, Suite 301, Stevens Point, WI, 54481. NAIC# 22276.
Email Help
travel.claims@bhspecialty.com
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BHTP ExactCare Value – Frequently Asked Questions
ExactCare Value covers: trip cancellation (100% of trip cost up to $20,000), trip interruption (100% of trip cost), emergency medical expenses (up to $15,000, secondary coverage), emergency medical evacuation (up to $150,000), trip delay ($100/day up to $500, 5-hour trigger), lost baggage (up to $750 with a $50 deductible), baggage delay (up to $200), and dental treatment (up to $500). An optional car rental collision benefit (up to $35,000) can be added. Pre-existing conditions are covered with the waiver if the plan is purchased within 15 days of the initial trip deposit.
ExactCare Value works for both domestic and international travel, but the $15,000 emergency medical limit is on the lower end for international destinations. If you're traveling to a country where a single hospitalization could cost $30,000–$100,000 (such as Japan, Switzerland, or remote regions), you may want to consider upgrading to ExactCare ($50,000 medical) or ExactCare Extra ($75,000 medical). ExactCare Value is most appropriate for international trips to countries with lower healthcare costs or where your existing domestic health plan offers some international coverage.
Yes. ExactCare Value includes a pre-existing medical condition exclusion waiver, meaning pre-existing conditions are covered if you purchase the plan within 15 days of making your initial trip payment or deposit. If you purchase after this 15-day window, pre-existing conditions will be excluded from both the medical and trip cancellation benefits. There is no age restriction for this waiver it applies to travelers of all ages.
Yes, within the 15-day free look period from the date of purchase. If you cancel before your departure date and before any claim has been filed, you will receive a full refund of your premium. If a claim is filed during this window, the cancellation option is voided. After 15 days, the policy is non-cancellable and non-refundable.
ExactCare Value provides secondary medical coverage, which means it pays after any other applicable health insurance. Travelers without primary insurance should review this carefully before purchasing.
Berkshire Hathaway Travel Protection offers a simple “Pic-and-Click” claims process, allowing you to submit claims online quickly. In many cases, claims are processed faster compared to traditional insurance providers.
ExactCare Value is underwritten by Berkshire Hathaway Specialty Insurance Company, which holds an AM Best rating of A++ (Superior).
No. Berkshire Hathaway Travel Insurance ExactCare Value is the budget-friendly entry plan. ExactCare offers higher coverage limits and additional benefits like missed connections and accidental death coverage. ExactCare Extra adds fixed benefits for tarmac delays, flight delays, and automatic flight tracking for claims
No. ExactCare Value is available to U.S. residents of all ages. Coverage terms and pricing may vary based on traveler age, trip cost, and state of residence, but there is no maximum age cutoff for eligibility.
Yes . BHTP ExactCare Value is a great choice especially when traveling within the United States, protecting non-refundable deposits if something unforeseen forces you to cancel.
ExactCare Value offers a 15-day free look period from the date of purchase (before your departure date). During this time, you can cancel the policy for a full refund, provided no claims have been filed.
If a claim is filed during the free look period, the policy cannot be canceled and the premium will not be refunded. After the 15-day period, the policy becomes non-cancellable and non-refundable.