Berkshire Hathaway Travel Insurance Review: Is It Worth the Cost?
Low medical coverage limits aside, Berkshire Hathaway offers plans that are likely to meet most travelers' needs.
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Updated · 5 min read
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Berkshire Hathaway Travel Protection
BHTP offers plans that give travelers the ability to choose which is most suited to their trip’s activities.
at Squaremouth
Pros
- ExactCare Value (basic) plan is among the least expensive we surveyed.
- Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
- Company may reimburse claimants faster than average, including possible same-day compensation.
Cons
- Multiple "Trip Delay" coverage types might make claims confusing.
- Cheapest plan only includes fixed amounts for its coverage.
Berkshire Hathaway Travel Protection can be more expensive than its competitors; it’s not the cheapest travel insurance option that NerdWallet investigated, but it’s also not the most expensive. However, where it excels is its speedy claim reimbursement timeline and specialty plans for those who don’t need comprehensive coverage.
Why trust NerdWallet?
Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default toward transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines.
On this page
- Why trust NerdWallet?
- Berkshire Hathaway travel insurance offerings
- What Berkshire Hathaway travel insurance covers
- Berkshire Hathaway Travel Protection policy overview
- What Berkshire Hathaway travel insurance plans do not cover
- How Berkshire Hathaway Travel Protection compares with its competitors
- How much is Berkshire Hathaway travel insurance?
- Which Berkshire Hathaway travel insurance plan is best for me?
- Does Berkshire Hathaway travel insurance offer 24/7 travel assistance?
- How to file a claim with Berkshire Hathaway travel insurance
- Is Berkshire Hathaway travel insurance worth it?
- Star rating methodology
Berkshire Hathaway travel insurance offerings
Berkshire Hathaway offers eight travel insurance plans, each tailored to a different kind of traveler. Three of those offerings are comprehensive travel insurance plans:
- ExactCare Value: A budget-friendly plan that covers the essentials, like trip delay/cancellation/interruption, baggage issues and medical costs during your trip.
- ExactCare: Offers comprehensive protection with increased coverage limits and additional benefits for missed connections, accidental death and dismemberment, and cancellation for work reasons.
- ExactCare Extra: A comprehensive plan with higher medical coverage limits and extra protection for tarmac and flight departure delays.
If you’re looking for more specific coverage, there are five that offer tailored coverage:
- AirCare: Gives travelers peace of mind with fixed benefits for flight-related inconveniences.
- AdrenalineCare: Ideal for adventurous thrill-seekers who’d like injury coverage while participating in extreme sports or activities.
- ExactCare Lite: Best for spontaneous trips and travelers who simply want medical protection while abroad without pre-departure coverage.
- LuxuryCare: Offers increased coverage limits for medical emergencies and evacuations, luggage mishaps and trip issues.
- WaveCare: A comprehensive cruise protection plan for unforeseen events in the air and at sea.
What Berkshire Hathaway travel insurance covers
Berkshire Hathaway travel insurance plans offer the following types of coverage. Keep in mind that not all plans offer all types of coverage, and coverage limits vary based on the plan you choose.
- Trip cancellation and trip interruption: Reimburses prepaid, nonrefundable costs incurred as a result of your trip being canceled or interrupted.
- Health insurance coverage: Covers emergency medical situations such as illnesses and injuries.
- Emergency medical evacuation: Covers the costs of evacuating you in an emergency medical situation.
- Lost luggage: Replaces the value of the items lost in your luggage.
- Rental car insurance: Provides insurance when renting a car.
- Baggage delay: Covers reimbursements for essential items if the airline is late in getting your luggage to you.
- Trip delay: Reimburses additional expenses due to trip delays, such as lodging, transportation and meals.
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Berkshire Hathaway Travel Protection policy overview
One concern some travelers have is flight disruptions. If you’re looking for budget-friendly air travel protection, Berkshire Hathaway’s AirCare offers fixed benefit amounts for mishaps en route to your destination, like lost baggage and tarmac delays. For travelers who want similar coverages as AirCare, plus broader protection like trip cancellation and interruption, ExactCare Extra might be a better fit.
Another key coverage that’s worth having while abroad is medical protection. This is an area where limits vary greatly between Berkshire Hathaway travel insurance plans. For example, the ExactCare Lite versus ExactCare Value medical expense limits are up to $50,000 and $15,000, respectively, yet the latter costs more because it offers complete coverage in other areas.
Travelers might also have the option to purchase additional coverages, like car rental collision protection, with their plan. LuxuryCare is the only plan with a Cancel For Any Reason (CFAR) add-on that reimburses you for up to 50% of nonrefundable trip expenses if you can no longer travel.
Below is a comparison of coverage and maximum limits across each plan.
| Coverage | Coverage limits |
|---|---|
| Trip cancellation | AirCare: $150 per flight. ExactCare Lite: N/A. ExactCare Value: 100% up to $20,000. ExactCare Extra: 100% up to $100,000. AdrenalineCare: 100% up to $50,000. WaveCare: 100% up to $25,000. ExactCare: 100% up to $100,000. LuxuryCare: 100% up to $100,000. |
| Trip interruption | AirCare: N/A. ExactCare Lite: Up to $1,000 (transportation only). ExactCare Value: 100% up to $20,000. ExactCare Extra: 150% up to $150,000. AdrenalineCare: 150% up to $75,000. WaveCare: 150% up to $37,500. ExactCare: 150% up to $150,000. LuxuryCare: 150% up to $150,000. |
| Medical expense | AirCare: N/A. ExactCare Lite: Up to $50,000. ExactCare Value: Up to $15,000. ExactCare Extra: Up to $75,000. AdrenalineCare: Up to $50,000. WaveCare: Up to $75,000. ExactCare: Up to $50,000. LuxuryCare: Up to $150,000. |
| Emergency evacuation & repatriation of remains | AirCare: N/A. ExactCare Lite: Up to $500,000. ExactCare Value: Up to $150,000. ExactCare Extra: Up to $750,000. AdrenalineCare: Up to $750,000. WaveCare: Up to $750,000. ExactCare: Up to $500,000. LuxuryCare: Up to $1 million. |
| Lost baggage | AirCare: $500 (fixed). ExactCare Lite: Up to $1,000. ExactCare Value: Up to $750 ($50 deductible). ExactCare Extra: $500 (fixed). AdrenalineCare: Up to $1,500. WaveCare: Up to $1,500. ExactCare: Up to $1,000. LuxuryCare: Up to $2,500. |
| Baggage delay | AirCare: $200 (fixed). ExactCare Lite: Up to $250. ExactCare Value: Up to $200. ExactCare Extra: $150 (fixed). AdrenalineCare: Up to $200. WaveCare: Up to $200. ExactCare: Up to $300. LuxuryCare: Up to $500. |
| Trip delay | AirCare: N/A. ExactCare Lite: Up to $1,000 ($250 per day). ExactCare Value: Up to $500 ($100 per day). ExactCare Extra: Up to $1,800 ($225 per day). AdrenalineCare: Up to $600 ($200 per day). WaveCare: Up to $1,000 ($200 per day). ExactCare: Up to $1,400 ($200 per day). LuxuryCare: Up to $2,500 ($250 per day). |
| Missed connection | AirCare: $100 (fixed) per connection. ExactCare Lite: Up to $500. ExactCare Value: N/A. ExactCare Extra: $100 (fixed) per connection. AdrenalineCare: Up to $500. WaveCare: Up to $500. ExactCare: Up to $750. LuxuryCare: Up to $1,000. |
| Tarmac delay | AirCare: $1,000 (fixed). ExactCare Lite: N/A. ExactCare Value: N/A. ExactCare Extra: $1,000 (fixed). AdrenalineCare: N/A. WaveCare: N/A. ExactCare: N/A. LuxuryCare: N/A. |
| Flight departure delay | AirCare: $50 (fixed) per flight. ExactCare Lite: N/A. ExactCare Value: N/A. ExactCare Extra: $50 (fixed) per flight. AdrenalineCare: N/A. WaveCare: N/A. ExactCare: N/A. LuxuryCare: N/A. |
| Accidental death & dismemberment | AirCare: N/A. ExactCare Lite: Up to $10,000. ExactCare Value: N/A. ExactCare Extra: Up to $10,000. AdrenalineCare: Up to $10,000. WaveCare: Up to $10,000. ExactCare: Up to $10,000. LuxuryCare: Up to $25,000 |
What Berkshire Hathaway travel insurance plans do not cover
The protections excluded from your coverage depend on the policy you buy. For example, the AirCare plan doesn’t offer coverage for emergency medical expenses. So look closely at the policy terms to make sure you have the protections you're looking for.
As a general rule, travel insurance — including Berkshire Hathaway Travel Protection — won’t cover these situations:
- Adventure activities (unless specifically included).
- Anything that happens while under the influence of drugs or alcohol.
- Unlawful acts.
- Epidemics.
How Berkshire Hathaway Travel Protection compares with its competitors
On a 5-star scale, NerdWallet rated Berkshire Hathaway Travel Protection 5 stars. Jump to see our methodology.
A sample $1,500 trip for a 45-year-old traveler from Illinois to Mexico for seven days found that the cheapest Berkshire Hathaway Travel Protection plan was AirCare at $26. If you chose the basic ExactCare Value plan, expect to pay $51, while Berkshire Hathaway’s highest coverage option, LuxuryCare, costs $114.
The basic plans from two dozen other providers for the same sample trip range in cost from approximately $7 to $112. Berkshire Hathaway travel insurance’s basic plan hits a middle-of-the-road price point, with most standard coverages included.
Note that price isn't the only differentiating factor. Coverage isn't identical across plans; each company offers various levels of scope, limits and exclusions. For example, for just $2 more than the ExactCare Value plan, Aegis’ Choice plan includes accidental death and dismemberment coverage up to $10,000. When shopping across insurance providers, ensure you’re noting these differences so you’re fairly weighing costs against benefits.
| Company | Star rating | Basic plan cost | Premium plan cost | Generate a quote |
|---|---|---|---|---|
| GeoBlue Travel Insurance | | $10. | $18. | |
| Berkshire Hathaway Travel Protection | | $26. | $75. | |
| Tin Leg | | $36. | $188. | |
| WorldTrips Travel Insurance | | $47. | $66. | |
| World Nomads | Currently being rated and reviewed. | $63. | $115. | |
| Trawick International | | $100. | $194. | |
| AXA Assistance USA | | $114. | $159. | |
| Generali | | $123. | $164. | |
| Travelex Insurance Services | | $135. | $198. | |
| AEGIS (GoReady) Travel Insurance | | $139. | $208. | |
| HTH Travel Insurance | | $146. | $233. | |
| Seven Corners | | $154. | $225. | |
| Travel Insured International | | $164. | $218. | |
| Allianz Global Assistance | | $166. | $291. | |
| USI Affinity Travel Insurance Services | | $169. | $297. | |
| AAA | Currently being rated and reviewed. | $183. | $222. | |
| IMG | | $183. | $252. | |
| Travel Guard by AIG | Currently being rated and reviewed. | $135. | $236. | |
| Chubb | | $185. | $312. | |
| TravelSafe | | $200. | $468. | |
| Arch RoamRight | | $202. | $225. | |
| These star ratings are based on a separate analysis of each travel insurance provider’s offerings. For more detailed scoring, see our recommendations for the best travel insurance companies, read each individual provider's NerdWallet review or view our methodology at the end of this article. Pricing is subject to change based on your specific trip details. You can verify the latest price by clicking through to Squaremouth (a NerdWallet partner). | ||||
How much is Berkshire Hathaway travel insurance?
Purchasing travel insurance can offer peace of mind when faced with the unexpected during your trip, but some travelers are hesitant to dip into their travel budget for worst-case scenarios. The good news is that Berkshire Hathaway Travel Protection provides plans that support a range of budgets.
Pricing, however, shifts considerably depending on the coverages included in each plan. For instance, compared with the basic ExactCare Value plan, the cost doubles under the ExactCare plan, which has higher coverage limits and the addition of missed connections and accidental death and dismemberment insurance protection.
| Plan | Cost |
|---|---|
| AirCare | $26. |
| ExactCare Lite | $29. |
| ExactCare Value | $51. |
| ExactCare Extra | $90. |
| AdrenalineCare | $95. |
| WaveCare | $101. |
| ExactCare | $102. |
| LuxuryCare | $114. |
Which Berkshire Hathaway travel insurance plan is best for me?
The best Berkshire Hathaway travel insurance plan for you depends on what you’re doing.
For example, the AdrenalineCare option may be a good idea if you’re planning to do extreme sports since it offers increased coverage for emergency evacuation and health care.
The LuxuryCare plan has the highest limits for medical expenses and medical evacuation, but it’s also the most expensive. On the other plans, the medical coverage is rather limited.
On the flip side, budget-conscious travelers who still want some protection when flying may prefer the less expensive AirCare plan, which will reimburse fixed costs when flights go awry.
Many travel credit cards include various trip protections, so look over those benefits to ensure you’re not paying for something you already have.
» Learn more: 11 credit cards that provide travel insurance
Does Berkshire Hathaway travel insurance offer 24/7 travel assistance?
Yes, Berkshire Hathaway Travel Protection includes 24/7 assistance. This includes concierge services as well as help with emergency situations. To access it, call 844-411-2487.
How to file a claim with Berkshire Hathaway travel insurance
You can file a claim with Berkshire Hathaway Travel Protection online or over the phone. If you plan to do so over the phone, call 855-487-1745.
If you file a claim online, head to Berkshire Hathaway Travel Protection’s claim page. Same-day payment options are available if you choose an electronic payment for reimbursement.
Is Berkshire Hathaway travel insurance worth it?
Is Berkshire Hathaway travel insurance good? In short: Yes. There’s a reason it scored high marks in NerdWallet's review of the best travel insurance companies. You’ll pay more for your policy, but in return, you’ll have access to fast repayments and a policy backed by one of the top-rated insurance companies.
Frequently Asked Questions
Does Berkshire Hathaway travel insurance cover flight cancellation?
Yes, Berkshire Hathaway Travel Protection will reimburse you if your flight is canceled. The AirCare plan covers a fixed amount, while other plans will reimburse you for delays and interruptions as a result of the canceled flight.
How long does a Berkshire Hathaway refund take?
A Berkshire Hathaway Travel Protection refund is among the fastest in the industry. Depending on the claim and the refund method, you could be reimbursed the same day.
Is Berkshire Hathaway travel insurance primary or secondary?
Most Berkshire Hathaway Travel Protection plans that include emergency medical coverage offer primary coverage. Only the ExactCare Value plan includes secondary coverage.
Star rating methodology
Travel insurance rating and review methodology
Travel insurance
NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:
- Scope of coverage.
- Customizability.
- Consumer experience and complaints.
- Cost.
The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.
Data collection and review process
NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.
Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."
The reviews team
The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence.
In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.
Rating specifics
Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:
- Scope of coverage (25%).
- Customizability (25%).
- Consumer experience and complaints (25%).
- Cost (25%).
Scope of coverage ratings are based on assessments of a company’s standard protections, including:
- Travel medical insurance.
- Trip cancellation.
- Trip interruption.
- Trip delay.
- Baggage and personal belongings, lost luggage.
- Emergency medical assistance.
- Emergency medical evacuation.
- Emergency medical repatriation.
- Accidental death and dismemberment insurance.
- Rental car coverage.
Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.
- 24-hour assistance.
- Pre-existing medical conditions coverage.
- Extreme sport coverage.
- CFAR add on availability.
- Travel health insurance.
- Interruption for Any Reason.
- Travel Inconvenience.
- Cancel for Work Reasons.
- Electronics coverage.
Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.
Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.
How to maximize your rewards
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- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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