BHTP ExactCare Lite Travel Medical Insurance

BHTP ExactCare Lite® is Berkshire Hathaway Travel Protection's domestic-only, post-departure road trip travel insurance plan. It is designed specifically for U.S. residents taking drive vacations trips made by car, RV, or other ground transportation at least 100 miles from their home. It provides primary emergency medical coverage up to $50,000, medical evacuation up to $500,000, trip interruption up to $1,000 (transportation costs only), trip delay up to $1,000, missed connection up to $500, baggage loss up to $1,000, baggage delay up to $250, and accidental death and dismemberment up to $10,000. It is NOT for flights, cruises, or international travel.

No. ExactCare Lite is a post-departure plan, meaning all coverages activate only after you have left home and begun your trip. There is no pre-departure trip cancellation benefit. If you cancel before your trip starts for any reason ExactCare Lite will not reimburse your prepaid, non-refundable hotel stays, attraction tickets, or event tickets. If you want pre-departure cancellation protection, you need a plan from the standard BHTP ExactCare series (ExactCare Value, ExactCare, or ExactCare Extra).

ExactCare Lite provides primary emergency medical coverage. This means it pays eligible medical expenses first before your domestic health insurance processes the claim. You do not need to file with your home health insurer first. This is especially valuable for road trippers who may be far from home and out of their health insurance network, where out-of-network ER or urgent care costs can be significant.

No. ExactCare Lite is strictly for domestic U.S. drive vacations. It does not cover: (1) trips made by airplane, (2) cruise vacations, or (3) international travel outside the United States. If you are flying to your destination, BHTP recommends ExactCare Value, ExactCare, or ExactCare Extra. For cruises, WaveCare is the appropriate plan. This restriction is fundamental to ExactCare Lite's design purchasing it for a trip involving flights or international travel would result in no coverage for flight-related events.

The trip interruption benefit in ExactCare Lite covers up to $1,000 in transportation costs only not all non-refundable expenses when your trip is interrupted by a covered event (such as a traffic accident). This means if you need to return home early or travel to a medical facility, the cost of transportation (gas, rental car, bus, etc.) is covered up to $1,000. Unlike the full trip cancellation/interruption benefit in other ExactCare plans, this does not reimburse prepaid hotel nights, attraction tickets, or event costs that you miss out on due to the interruption.

Yes, with a timing condition. The pre-existing medical condition exclusion waiver is available if you purchase ExactCare Lite within 15 days of making your initial trip payment or deposit. Once the waiver is active, the policy applies a 60 days look-back period prior to the Policy Effective Date. This means any condition for which you had symptoms that would prompt a reasonable person to seek medical advice, received medical advice or treatment, or were taking prescription medication (with any change in dosage) in the 60 days before your coverage start date is considered a pre-existing condition. Without the waiver, all pre-existing conditions are excluded. If you purchase after the 15-day window, the waiver does not apply.

Road trip travel insurance like ExactCare Lite generally costs between 5% and 7% of your total trip cost. The final premium depends on factors including the traveler's age, trip duration, and state of residence. For example, a $2,000 road trip might cost between $100–$140 for coverage. To get an exact premium, use the quote tool at americanvisitorinsurance.com you can compare and buy in under 5 minutes.

Yes. ExactCare Lite can be purchased up until the day before your departure date, making it suitable for spontaneous road trip planners. However, to qualify for the pre-existing medical condition exclusion waiver which adds coverage for eligible conditions you already have you must purchase within 15 days of your first trip payment or deposit. Buying later is still possible and still provides the core medical, delay, and baggage benefits, but without the pre-existing waiver.

Yes. BHTP ExactCare Lite includes a 15-day free look period from the date of purchase. If you cancel the policy within 15 days of purchase before your trip has begun and before filing any claims you receive a full premium refund. Once 15 days have passed, or once your trip has started or a claim has been filed, the policy is non-refundable.

The key differences: ExactCare Lite has higher emergency medical coverage ($50,000 primary vs. $15,000 secondary in ExactCare Value), but ExactCare Value includes trip cancellation (up to $20,000) which Lite does not. ExactCare Value also covers flights and international travel, while Lite is domestic drive-only. For road trippers who want better medical protection and don't need pre-departure cancellation coverage, ExactCare Lite's $50,000 primary medical is a meaningful advantage. For travelers who want the ability to cancel before departure, ExactCare Value is more appropriate even for road trips.

ExactCare Lite is available in 40 U.S. states. The plan was launched as BHTP's first domestic-only coverage plan. Specific state availability is subject to regulatory approval and may change check the current quote tool at americanvisitorinsurance.com for availability in your state of residence. Benefits and terms may also vary by state for residents of certain states (such as NY and WA).

BHTP Burst® is Berkshire Hathaway Travel Protection's proprietary claims payment system designed to accelerate the claims process. Most ExactCare Lite claims can be filed with a smartphone photo through BHTP's digital "pic-and-click" process no paper forms required. Per the official policy wording, claims are paid within five business days once the Company receives complete proof of loss and is in agreement with the payable amount. BHTP's Burst® system and electronic payment options are designed to process approvals as quickly as possible within this timeline. Contact the Travel Insurance Administrator at 855-487-1745 or travel.claims@bhspecialty.com to start the claims process.