Berkshire Hathaway Travel Protection (BHTP) Insurance
Berkshire Hathaway Travel Protection (BHTP) InsuranceWhich Berkshire Hathaway Plan is Right for You?
| What I Need | Best Plan for Me |
|---|---|
| Pre-existing Medical Condition Exclusion Waiver | ExactCare Value or ExactCare |
| Comprehensive coverage with higher medical limits | ExactCare or ExactCare Extra |
| Flight protection + delay & missed connection coverage | ExactCare Extra |
| Luxury travel with maximum coverage & CFAR option | LuxuryCare |
| Cruise travel with ship-specific benefits | WaveCare |
| Adventure sports & extreme activity coverage | AdrenalineCare |
| Post-departure medical coverage (no cancellation needed) | ExactCare Lite |
About Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection (BHTP) is one of the most trusted travel insurance solutions in the United States, backed by the financial strength of Berkshire Hathaway rated A++ (Superior) by AM Best.
Founded in 2014 and headquartered in Stevens Point, Wisconsin, BHTP travel insurance plans are designed for every type of traveler from budget travelers and solo adventurers to luxury vacationers, cruise passengers, and adventure seekers. As part of Berkshire Hathaway Specialty Insurance, BHTP combines world-class financial stability with a technology-first approach to travel protection.
What sets BHTP apart from other travel insurance providers is its exclusive Burst® claims payment system processing claims up to five times faster than the industry average, with payments made via direct deposit or PayPal in minutes rather than weeks.
Why travelers choose BHTP?- A++ (Superior) Financial Strength Rating by AM Best.
- Claims processed up to 5x faster than the industry average via Burst®.
- 24/7 global emergency travel assistance via phone, chat, email, and social media.
- Children under 17 travel free on select plans.
- Coverage options for trip cancellation, international travel medical insurance, cruise insurance, adventure sports, and flight protection.
- Ideal for travelers looking to buy Berkshire Hathaway travel insurance online with the best price guaranteed.
Whether you need trip cancellation insurance, travel medical insurance for international travel, or flight delay coverage, BHTP offers flexible, reliable solutions for every trip and every budget.
Berkshire Hathaway Travel Insurance Plans
Explore the most popular Berkshire Hathaway Travel Protection (BHTP) plans designed for every type of traveler. Whether you're looking for budget-friendly coverage with ExactCare Value, balanced protection with ExactCare, or enhanced flight benefits with ExactCare Extra, these plans offer reliable trip protection, medical coverage, and peace of mind for your journey.
ExactCare Value
- ✔ Trip Cost: Up to $20,000
- ✔ Trip Duration: 60 days
- ✔ Medical coverage: Up to $15,000
- ✔ Pre-existing conditions: 15 days of Initial Deposit
- ✔ Available for U.S. residents
ExactCare
- ✔ Trip Cost: Up to $100,000
- ✔ Trip Duration: 60 days
- ✔ Medical coverage: Up to $50,000
- ✔ Pre-existing conditions: 15 days of Initial Deposit
- ✔ Available for U.S. residents
ExactCare Extra
- ✔ Trip Cost: Up to $100,000
- ✔ Trip Duration: 60 days
- ✔ Medical coverage: Up to $75,000
- ✔ Pre-existing conditions: 15 days of Initial Deposit
- ✔ Available for U.S. residents
Choose the Best BHTP Travel Insurance Plan for Your Needs
Compare BHTP travel insurance plans like LuxuryCare, WaveCare, AdrenalineCare, and ExactCare Lite to find the perfect coverage for your trip. Get the best Berkshire Hathaway travel insurance for medical, cruise, or adventure travel and buy online in minutes.
LuxuryCare
A premium travel insurance plan from Berkshire Hathaway Travel Protection offering the highest coverage limits, including trip cancellation, medical, and evacuation benefits. It is the only BHTP plan with Cancel For Any Reason (CFAR) coverage.
Best For: Luxury travelers, expensive trips, and international travel- Trip cancellation up to 100% of trip cost up to $100,000 per person.
- Emergency medical coverage up to $100,000.
- Emergency medical evacuation up to $1,000,000.
- Cancel For Any Reason (CFAR) covered up to 50% of non-refundable costs.
- Highest baggage and travel delay limits in the BHTP lineup.
- Ideal for international trips, luxury vacations, and high-cost itineraries.
AdrenalineCare
A specialized plan from Berkshire Hathaway Travel Protection built for adventure travelers, covering high-risk and extreme sports typically excluded by standard travel insurance plans. It provides strong medical and evacuation benefits for active trips.
Best For: Adventure sports travelers, extreme sports, thrill-seekers and outdoor travel- Trip cancellation up to 100% of trip cost up to $50,000 per person.
- Emergency medical coverage for adventure and extreme sports activities excluded by most standard plans.
- Emergency medical evacuation up to $750,000.
- Pays up to $500 for Missed Connection.
- Equipment delay benefit for sports gear.
- Baggage loss and travel delay coverage included.
- Covers activities like skydiving, rock climbing, and scuba diving.
WaveCare
A comprehensive cruise insurance plan from Berkshire Hathaway Travel Protection designed to cover cruise-specific risks like missed ports, ship delays, and itinerary changes. It also includes medical coverage onboard and at sea.
Best For: Cruise vacations and travelers taking international cruises- Trip cancellation up to 100% of trip cost up to $25,000 per person.
- Emergency medical coverage up to $75,000 and evacuation up to $750,000.
- Cruise ship disablement benefit covered up to $500.
- Cruise line bankruptcy protection included.
- Enhanced baggage and luggage delay benefits for cruise travelers.
- 24/7 emergency assistance on land and at sea.
ExactCare Lite
A simple post-departure plan from Berkshire Hathaway Travel Protection designed for travelers who want emergency medical and trip protection after their journey begins. It’s a budget-friendly option for domestic trips without the need for pre-departure coverage.
Best For: Road trips, domestic travelers, and last-minute planners- Post-departure plan designed for domestic drive vacations.
- Covers non-refundable hotel stays, attraction tickets, and other prepaid expenses.
- Emergency medical and medical evacuation coverage included.
- Does not include pre-departure trip cancellation coverage.
- Affordable option for travelers who don't need flight or cancellation protection.
When Should You Buy Berkshire Hathaway Travel Insurance?
The best time to buy Berkshire Hathaway travel insurance is as early as possible, ideally when you make your first trip payment. Buying early ensures you get the full benefits of BHTP travel insurance plans, especially for trip cancellation and medical coverage.
- Pre-existing conditions covered only if purchased within 15 days (ExactCare & LuxuryCare).
- Cancel For Any Reason (CFAR) available only if bought within 15 days (up to 50% reimbursement).
- Trip cancellation coverage starts immediately after purchase.
- Longer coverage window before departure for unexpected events.
- Covers early issues like illness, injury, or family emergencies.
- Last-minute purchase still possible, but with limited benefits.
- ExactCare Lite available for post-departure travel medical insurance.
- No extra cost for buying early, but more benefits included.
Buy BHTP travel insurance early to maximize coverage, including pre-existing conditions, CFAR, and trip cancellation protection.
BHTP Travel Insurance Pros and Cons
- A++ rated financial strength
- Fast claims via Burst® system
- Wide range of plans for every traveler type
- Pre-existing condition coverage available
- Free coverage for children on select plans
- CFAR option available (LuxuryCare plan)
- Lower medical limits on budget plans
- CFAR only available on LuxuryCare (50% reimbursement)
- No annual multi-trip plans
- Some plans offer secondary coverage only
- Not available for non-U.S. residents
Have Questions?
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
How Do I File a Claim With BHTP Travel Insurance?
To file a claim with Berkshire Hathaway Travel 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
Frequently Asked Questions About Berkshire Hathaway Travel Insurance
1. What travel insurance plans does Berkshire Hathaway offer?
BHTP offers seven travel insurance plans: ExactCare Value, ExactCare, ExactCare Extra, LuxuryCare, WaveCare, AdrenalineCare, AirCare, and ExactCare Lite. Each plan is designed for a different type of traveler and trip.
2. Is Berkshire Hathaway travel insurance good?
Yes. BHTP is one of the most financially stable travel insurers in the USA, rated A++ by AM Best. It is well-regarded for fast claims processing, broad plan selection, and family-friendly pricing. It is best suited for budget travelers, families, and adventure sports enthusiasts.
3. Does Berkshire Hathaway travel insurance cover pre-existing conditions?
Yes. Pre-existing medical conditions are covered on ExactCare Value, ExactCare, ExactCare Extra, and LuxuryCare plans provided you purchase within 15 days of your initial trip deposit date.
4. Does Berkshire Hathaway offer Cancel For Any Reason coverage?
Yes, but only on the LuxuryCare plan. CFAR reimburses up to 50% of non-refundable trip costs if you cancel for any reason not covered under standard trip cancellation. You must purchase LuxuryCare within 15 to 21 days of your initial deposit and cancel at least 48 hours before departure.
5. Can children travel for free under a BHTP plan?
Yes. Under the ExactCare plan, up to two children age 17 and under travel free per paying adult when they are traveling with and related to the primary insured adult.
6. How does BHTP process claims?
Berkshire Hathaway Travel Protection uses its Burst® payment system. Most claims are filed with a photo from your smartphone a process BHTP calls "pic-and-a-click." Claims are processed up to five times faster than the industry average, with payments made directly to your bank account, PayPal, or by paper check.
7. What is a post-departure travel insurance plan?
A post-departure travel insurance plan is a plan where all coverages begin only after you have left home and started your trip. Unlike standard travel insurance plans that include pre-departure trip cancellation coverage, post-departure plans do not cover you if you need to cancel your trip before you leave.
8. Which BHTP plan is a post-departure plan?
The BHTP ExactCare Lite plan is a post-departure travel insurance plan, meaning all coverages start once you leave on your trip. It provides emergency medical and medical evacuation coverage.
9. Is Berkshire Hathaway travel insurance available for non-U.S. residents?
No. BHTP travel insurance plans are available to U.S. residents only.
10. What is the BHTP free look period?
Berkshire Hathaway travel insurance offers a 15-day free look period on most plans. If you are not satisfied, you can cancel within 15 days of purchase for a full premium refund, as long as no claim has been filed and your trip has not yet departed.
Why Buy BHTP Travel Insurance from American Visitor Insurance?
American Visitor Insurance is a trusted provider where you can compare and buy Berkshire Hathaway travel insurance plans quickly and easily.
- Best price guaranteed same price as buying directly from BHTP, no extra fees.
- Compare all BHTP travel insurance plans in one place (ExactCare, LuxuryCare, WaveCare & more).
- 24/7 expert support from licensed insurance advisors.
- Instant policy confirmation buy online and get documents immediately.
- Trusted provider for travel insurance USA and international travel coverage, helping travelers find the right plan with confidence.
- Easy comparison to find the best Berkshire Hathaway travel insurance plan.