Berkshire Hathaway Travel Insurance – What You Need to Know

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Consider these questions when you are considering purchasing travel insurance: Would you be able to afford new winter clothes if your luggage wasn’t delivered to Iceland? What if an unplanned event canceled your trip to Italy? What if you were to get stuck in Cancun due to a hurricane? It is unlikely that you would […]

Consider these questions when you are considering purchasing travel insurance:

Would you be able to afford new winter clothes if your luggage wasn’t delivered to Iceland?
What if an unplanned event canceled your trip to Italy?
What if you were to get stuck in Cancun due to a hurricane?

It is unlikely that you would want to add expenses to an already expensive vacation. Travel insurance can cover you for any additional expenses that may arise if there is an accident.

Let’s take a look at the travel insurance options that Berkshire Hathaway Travel Protection has to offer globetrotters. How to purchase a policy, and what factors to consider when selecting the right one.

What’s Berkshire Hathaway?

Berkshire Hathaway, the multinational holding company, is headed by Warren Buffett as CEO. It owns many businesses, including Duracell and Geico, but also a range of manufacturing, retail, and insurance companies. Berkshire Hathaway Travel Protection would be the place to go if you were looking for travel insurance.

Is Berkshire Hathaway travel coverage legal?

All plans include 24/7 emergency travel assistance. The company claims it pays out claims five-times faster than the industry average. In some cases, you might receive reimbursement as soon as you file your claim.

What types of plans does Berkshire Hathaway Travel Protection offer?

There are many plans that travelers have the option to choose from depending on their specific needs and desired coverage limits. Let’s take a look at each plan.

ExactCare Plus: This plan covers cancellations, interruptions, and delays. This plan also covers missed connections and delays on the tarmac. You are covered up to $500,000 in emergency medical evacuation. The plan also provides a reimbursement for medical expenses up to $50,000
ExactCare The policy pays $500,000 towards medical evacuation costs, but only $25,000 towards emergency medical expenses.
ExactCare Valu: The budget option can cover up to $15,000 for emergency medical expenses and $150,000 for medical evacuation expenses.
LuxuryCare: This plan provides up to $100,000 for emergency medical coverage and up $1,000,000 for medical evacuation. Sporting equipment delay coverage is also available.
WaveCare: This plan covers up to $750,000 in medical evacuation and $75,000 in medical expenses. The policy also includes $10,000 towards accidental death coverage. This can be increased to $50,000 if purchased within 15 days of the initial deposit. The policy also covers you if you are confined to a ship without power, food, or water.
AdrenalineCare is the only plan that offers extreme and adventure sport coverage. It provides coverage for up to $750,000 in medical evacuation, $50,000 in medical costs, and up to $10,000 in accidental death.
AirCare: This plan covers all things that can go wrong on your flight. It includes flight cancellations, flight delay, flight diversion and missed connections. This plan does not offer evacuation or medical coverage.

All plans, except AirCare, come with a preexisting conditions waiver when you purchase a policy within the first 15 days.

What is the cost of Berkshire Hathaway’s travel insurance?

Let’s look at the coverage and prices of Berkshire Hathaway plans for a 10-day trip in Italy for a 36 year-old Utah traveler. It costs $2,000 to cover that trip.


ExactCare Additional	Trip delay up to $1,000 per day, up to $200 Trip cancellation: $2,000. Trip interruption $3,000. Baggage delay: $150. Lost baggage: $500. Tarmac delay: $1,000. Flight departure delay: $50. Missed connection $100 Medical expense: $50,000. Emergency evacuation: $500,000. Unexpected death or dismemberment: $10,000
	Trip delay up to $1,000 per day, up to $200 Trip cancellation: $2,000. Trip interruption $3,000. Baggage delay: $200. Lost baggage: $1,000. Missed connection $500 Medical expense: $25,000. Emergency evacuation: $500,000. Unexpected death or dismemberment: $10,000 (or $50,000 if you purchase within 15 days).
ExactCare	Trip delay up to $500 per day, up $100 per day Trip cancellation: $2,000. Trip interruption: $2,000. Baggage delay: $200. Lost baggage: $750 ($50 deductible). Medical expense: $15,000 Emergency evacuation: $150,000. Unexpected death or dismemberment: $25,000 (if purchased within 15 days of initial deposit).
LuxuryCare	Trip delay up to $2,000 per day Trip cancellation: $2,000. Trip interruption $3,000. Baggage delay: $200. Lost baggage: $2,500. Golf equipment and sport delay: $500 Missed connection $500 Medical expense for $100,000. Emergency evacuation: $1,000,000. Unexpected death or dismemberment: $25,000
	Trip delay up to $1,000 per day, up to $200 Trip cancellation: $2,000. Trip interruption $3,000. Baggage delay: $200. Lost baggage: $1,500. Missed connection $500 Cruise disablement: $500. Medical expense: $75,000. Emergency evacuation: $750,000. Unexpected death or dismemberment: $10,000 (up to $50,000 if purchased within 15 days of your initial deposit).
AdrenalineCare	Trip delay: $600 – up to $200 per Day Trip cancellation: $2,000. Trip interruption $3,000. Baggage delay: $150. Lost baggage: $1,500. Golf equipment and sport delay: $500 Missed connection $500 Medical expense: $50,000. Emergency evacuation: $750,000. Unexpected death or dismemberment: $10,000 Coverage of adventure sports: Included.
	Flight cancellation: $150. Flight departure delay: $50. Flight diversion: $150. Tarmac delay: $1,000. Missed connection $100 Baggage delay: $200. Lost baggage: $500. Late-night delay: $100.

How to request a Berkshire Hathaway quote

Destination country.
Transport method (planes, automobiles or cruises).
Trip dates.
Date you paid the first payment for your trip.
Zip code for your primary residence.
Date of Birth.
Total trip cost.
Numbers of travelers.
Email address.

To proceed, you must complete all fields. To view the price for each plan, click on “Check our Prices”.

You can edit any or all of the parts of your quote including your destination, residence and travel mode.

Which Berkshire Hathaway Travel Protection Plan is the best?

Once you have received a quote, take the time to review all policy details and determine which one is best for you. LuxuryCare has the highest limits on medical expenses and evacuations, but it is also the most costly. The medical coverage on the other plans is quite limited.

We recommend that you compare quotes from multiple insurance companies to ensure that you get the best value for your money. Squaremouth, a NerdWallet partner and a travel insurance marketplace, provides quotes from multiple providers to help customers make informed decisions when purchasing travel insurance.

Many trip credit cards offer various trip protections. Make sure you look at those benefits so you don’t pay for something you don’t have.

Berkshire Hathaway Travel Protection Insurance review, recapped

It’s impossible to predict what could happen on a trip. This is why buying travel insurance is a smart idea. Trip protection policies can help you to recoup unanticipated costs and save you headaches later.

Berkshire Hathaway Travel Protection has a reputation for being dependable and fast in processing claims. Its medical coverage limits aren’t the best. We recommend looking at other providers if you need emergency medical coverage.

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