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Berkshire Hathaway Travel Protection ExactCare

ExactCare® from Berkshire Hathaway Travel Protection offers a higher level of coverage than the ExactCare® Value plan. It includes excellent comprehensive benefits such as trip cancellation, trip interruption, baggage protection and travel delay. ExactCare's many covered reasons for trip cancellation and trip interruption are detailed in the state-specific policy. ExactCare includes medical and emergency medical evacuation coverage, and with the exception of a few states, medical and emergency medical evacuation coverage can be increased to fit your needs.

Other additional benefits are included if you purchase the plan within 15 days of first trip payment such as pre-existing condition waiver, financial default coverage (for trip cancellation and trip interruption), and accidental death and dismemberment - common carrier air only (not available in all states).

Coverage may vary by state.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

View Plan Certificate

Protect your trip with cancellation, interruption, delay and medical benefits.

Highlighted Coverages

Trip Cancellation
Trip Cost

Trip Interruption
Trip Cost + 50%
Baggage Loss
$1,000 (secondary)
Baggage Delay
24+ hours
$200 max. (secondary)
Medical Limit
$25,000* (secondary)

* Medical coverage is Primary if purchased within 15 days of your Initial Trip Payment Date (coverage may vary by state).
Pre-Existing Condition Waiver
If insurance purchased within 15 days of Initial Trip Payment and certain conditions are met. Available up to a maximum of the first $30,000 of Trip Cost per person.
Pre-Existing Condition Lookback Period
180 Days
Medical Evacuation
$500,000

Plan Info

Plan Type
Comprehensive
View Certificate
View Certificate
Refund Policy
15 Day Review Period
Available to
U.S. Residents
AM Best Rating
A++

Trip Protection

Trip Cancellation
Trip Cost

Trip Interruption
Trip Cost + 50%
Financial Default
14 day wait, if purchased within 15 days of Initial Trip Payment
Terrorism in Itinerary City
Foreign and U.S. Domestic
Interrupt for Any Reason
—
Cancel for Any Reason
—
Baggage Loss
$1,000 (secondary)
Baggage Delay
24+ hours
$200 max. (secondary)
Travel Delay
5+ hours
$200/day
$1,000 max. (secondary)
Vacation Rental Damage
—

Medical

Medical Limit
$25,000* (secondary)

* Medical coverage is Primary if purchased within 15 days of your Initial Trip Payment Date (coverage may vary by state).
Dental
$500 included in Medical* (secondary)

* Dental coverage is Primary if purchased within 15 days of your Initial Trip Payment Date (coverage may vary by state).

Pre-Existing Conditions

Waiver
If insurance purchased within 15 days of Initial Trip Payment and certain conditions are met. Available up to a maximum of the first $30,000 of Trip Cost per person.
Lookback Period
180 Days

Accidental Death

24-Hr Full Coverage
$10,000
Common Carrier
Flight Only (If purchased within 15 days of Initial Trip Payment)
Flight Only
—

Evacuation

Medical Evacuation
$500,000

Additional Benefits

24-Hour Emergency Assistance
Details
Rental Car
$35,000 ($100 ded.) (+$)
Optional Coverages
—
Notes
Included Benefit
Missed Connection

Your Quote

To see the most accurate plan information and pricing Get a Quote

Ratings and reviews

Our customers rate the Berkshire Hathaway Travel Protection ExactCare on our site
(4.67) of 5
on average based on 940 reviews.
A++
A.M. Best Rating
A+
Better Business Bureau Rating
Very displeased with your cancellation provisions. I have purchased another policy with you for a trip in November 2023. We will not be able to make the trip and have cancelled it. However, I can not cancel my trip insurance policy as more than 14 days have lapsed since I purchased it. So I threw away over $600. In addition, if you did not have that clause regarding coverage for pre-existing conditions mandating that I must purchase the insurance within a minimal period of time after sending in my deposit, I could have waited to purchase the trip insurance. So I lost out 2 ways-- not happy!!!!
Edna P.
Although it took about four weeks for the adjuster to start the review of the claim, the process itself was very straightforward and painless. Initially, I submitted all required documentation, and that helped to quickly settle the claim.
DANIEL G.
I ould not afford a plan that covered anything other than severe acute hospitalizable medical care. Rather, i had four brief hospital stays all of which were below the deductible PER episode. I paid for each event in cash and none of the events were enough over the deductible for each event. First dollar coverage for any medical need was not in m y policy. It is a crap shoot whether to pay the very very high premium expecting to need a hospital or doctor visits, or pray not to get sick UNLESS it is a catastrophic illness. BH never loses in either scenario. It's just business to them.
A Arthur S.
See all reviews

Other plans by Berkshire Hathaway Travel Protection

ExactCare Value

  • Trip cancellation that includes reasons such as loss of a job, a named hurricane and a terrorist incident
  • Optional Rental Car Collision Coverage
  • Upgrades available for Emergency Evacuation coverage
More benefits...

Average rating:

from 342 customers

Claims Information

Claims
(855) 932-7788
[email protected]
Emergency
(855) 932-7788
(715) 303-6333 (If overseas, call collect.)
Mailing Address
P.O. Box 31003
Charlotte, NC
28231-1003

* Not available in all plans, please review the plan details before purchasing.

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