What is ExactCare Value Travel Insurance?
ExactCare Value is is a budget-friendly travel insurance plan from Berkshire Hathaway Travel Protection, designed for travelers who want essential protection at a lower cost without paying for high coverage limits.
It combines trip protection benefits with basic medical coverage, making it a practical choice for budget-conscious travelers who still want protection against common travel risks.
Key Highlights- Trip Cancellation & Interruption: Covers up to 100% of your trip cost up to $20,000.
- Emergency Medical Coverage: Up to about $15,000 for illnesses or injuries.
- Emergency Medical Evacuation: Up to $150,000 for transport to a proper facility.
- Pre-existing Condition Waiver: Available if purchased within a set time (typically 15 days).
- Baggage & Travel Delay: Includes limited coverage for lost baggage and delays.
- 24/7 Travel Assistance: Worldwide support during your trip.
With solid core benefits, easy claims processing, and 24/7 global assistance, the ExactCare Value plan helps safeguard both your travel investment and your health while traveling, making it a great choice for budget-conscious travelers.
Berkshire Hathaway ExactCare Value Insurance Reviews
Who Can Buy ExactCare Value Travel Insurance?
- Available for U.S. Residents taking domestic or international trips.
- Maximum trip length: Up to 60 days.
- Pre-existing condition waiver requires purchase within 15 days of initial deposit.
- Valid for a wide range of travel types, including vacations, business travel, and leisure trips.
- Coverage and availability may vary by state and policy terms.
Who Is the ExactCare Value Plan Best For?
- Budget travelers wanting affordable trip cancellation and medical coverage.
- Solo travelers on spontaneous or international trips.
- Domestic U.S. travelers who still want cancellation protection.
- Travelers with pre-existing conditions who buy within 15 days of initial deposit.
- First-time travel insurance buyers wanting a simple, straightforward plan.
What Are the Benefits of ExactCare Value Insurance?
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Trip Cancellation help 100% of Trip Cost up to $20,000 Trip Interruption help 100% of Trip Cost Trip Delay help $500/max $100/day Medical Expense help $15,000 Emergency Evacuation & Repatriation of Remains help $150,000 Lost Baggage help $750 Baggage Delay help $200 Pre-existing Medical Condition Exclusion Waiver Covered if purchased within 15 days of the Initial Trip Deposit Date. Dental $500 Car Rental Collision Coverage $35,000 Non Insurance Service: Worldwide Travel Assistance Included Financial Default Included
Why Choose ExactCare Value Travel Insurance?
Berkshire Hathaway Travel Insurance ExactCare Value is a great choice if you want affordable travel insurance that covers the most important risks without paying for premium-level benefits.
- Protect your trip investment: Covers up to 100% of your trip cost, up to $20,000 for cancellation and interruption due to covered reasons .
- Essential medical coverage while traveling: Includes emergency medical coverage (up to $15,000) and medical evacuation (up to $150,000) for unexpected situations abroad.
- Coverage for common travel issues: Protection for trip delays, baggage loss, and baggage delays, helping cover unexpected travel disruptions .
- Works alongside your existing health insurance: ExactCare Value provides secondary coverage, meaning it can reimburse eligible expenses after your primary insurance pays helping reduce your out-of-pocket costs.
- Fast and simple claims process: Easy “pic-and-click” digital claims filing with faster-than-average claim payments
- Pre-existing condition waiver available: Coverage available if the plan is purchased within a specified time after your initial trip deposit
- Optional add-on benefits: Includes options like rental car collision coverage (up to $35,000) for added protection
- 24/7 worldwide travel assistance: Access support anytime for emergencies, medical help, or travel coordination
How Do I File a Claim With ExactCare Value Insurance?
To file a claim with ExactCare Value 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
Need Assistance Choosing The Right Plan?
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Our Customer Service team is available 24x7, putting your needs first every step of the way.
BHTP ExactCare Value – Frequently Asked Questions
ExactCare Value covers trip cancellation (100% of trip cost), trip interruption (100%), emergency medical expenses up to $15,000, emergency medical evacuation up to $100,000, baggage loss up to $500, baggage delay, trip delay, and travel dental up to $250. Pre-existing conditions are covered if the plan is purchased within 15 days of the initial trip deposit.
Yes. Pre-existing medical conditions are covered under ExactCare Value, provided you purchase the plan within 15 days of making your initial trip deposit. This is an important distinction from many budget plans that exclude pre-existing conditions entirely.
Yes, you can purchase the plan after booking your trip, as long as it is done before your departure date. However, buying early (within 15 days of your first trip payment) is important if you want to qualify for the pre-existing condition waiver.
Yes, ExactCare Value can be used for both domestic and international travel. However, since it offers secondary medical coverage with lower limits (up to $15,000), travelers going abroad may want to compare higher coverage plans depending on their destination and medical needs.
ExactCare Value provides secondary medical coverage, which means it pays after any other applicable health insurance. Travelers without primary insurance should review this carefully before purchasing.
Berkshire Hathaway Travel Protection offers a simple “Pic-and-Click” claims process, allowing you to submit claims online quickly. In many cases, claims are processed faster compared to traditional insurance providers.
ExactCare Value is underwritten by Berkshire Hathaway Specialty Insurance Company, which holds an AM Best rating of A++ (Superior).
No. Berkshire Hathaway Travel Insurance ExactCare Value is the budget-friendly entry plan. ExactCare offers higher coverage limits and additional benefits like missed connections and accidental death coverage. ExactCare Extra adds fixed benefits for tarmac delays, flight delays, and automatic flight tracking for claims
No. Berkshire Hathaway ExactCare Value covers all ages.
Yes . BHTP ExactCare Value is a great choice especially when traveling within the United States, protecting non-refundable deposits if something unforeseen forces you to cancel.
ExactCare Value offers a 15-day free look period from the date of purchase (before your departure date). During this time, you can cancel the policy for a full refund, provided no claims have been filed.
If a claim is filed during the free look period, the policy cannot be canceled and the premium will not be refunded. After the 15-day period, the policy becomes non-cancellable and non-refundable.