BHTP LuxuryCare Travel Medical Insurance
Premium protection for high-value trips with primary medical coverage, $1M evacuation, and $100K trip cancellation.What is LuxuryCare Travel Insurance?
The LuxuryCare Travel Insurance plan by Berkshire Hathaway Travel Protection is a premium travel insurance plan designed for travelers planning luxury vacations, international trips, and high-cost itineraries. It provides broad protection with high coverage limits for trip cancellation, emergency medical care, and evacuation, making it ideal for expensive or complex travel plans.
Whether you're planning a luxury cruise, a bucket-list international vacation, or a high-value tour package, LuxuryCare helps protect your travel investment and provides peace of mind backed by the financial strength of Berkshire Hathaway.
Key highlights of the LuxuryCare:- Designed for luxury vacations, international travel, and high-value trip itineraries.
- Trip cancellation protection for trips up to $100,000 per traveler.
- High-limit emergency medical and medical evacuation coverage.
- Optional Cancel For Any Reason (CFAR) upgrade for greater flexibility.
- Primary medical coverage that can pay eligible medical expenses directly.
- Ideal for luxury cruises, multi-country trips, and premium guided tours.
- Backed by the financial strength of Berkshire Hathaway.
Berkshire Hathaway Luxury Care Insurance Reviews
Who IS BHTP LuxuryCare Best For?
- Travelers booking expensive trips - cruises, international tours, luxury resort packages.
- Anyone with pre-existing medical conditions who needs a waiver.
- Travelers who want primary medical coverage.
- Seniors or older travelers concerned about high medical costs abroad.
- Anyone booking non-refundable trip deposits well in advance.
- Travelers going to remote destinations where evacuation could be costly.
- Business travelers who may need to cancel for work reasons.
What Makes LuxuryCare the Highest-Level BHTP Travel Insurance
LuxuryCare is the highest-level travel insurance plan offered by Berkshire Hathaway Travel Protection, providing premium benefits, higher coverage limits, and exclusive protections not available in other BHTP plans.
local_hospital Primary Medical Coverage
Emergency medical expenses are reimbursed up to $150,000 on a primary basis LuxuryCare pays first, before your domestic health insurance kicks in. No coordination hassle when you need care abroad.
helicopter $1 Million Evacuation Limit
The highest emergency evacuation benefit in the entire BHTP lineup. Covers transportation to the nearest adequate medical facility, escort expenses, bedside visits, and return of children if you're hospitalized.
cancel Trip Cancellation up to $100K
Recover 100% of your non-refundable trip costs flights, hotels, tours, cruises, deposits for any covered cancellation reason. LuxuryCare covers the broadest list of cancellation reasons of any BHTP plan.
health_and_safety Pre-Existing Condition Waiver
Buy within 15 days of your initial trip deposit, insure your full trip cost, and be medically able to travel at purchase and pre-existing medical conditions are fully covered under trip cancellation and interruption.
work Cancel for Work Reasons
Included when purchased within 15 days of deposit. Covers cancellation if employer requires you to work during trip, company undergoes merger or acquisition, or disaster recovery plan is activated.
smartphone Pic-and-Click Claims
File a claim from your phone in minutes with BHTP's photo-based "pic and click" system. Approved claims can be deposited directly to your bank account within 24 hours of approval.
What Are the Benefits of LuxuryCare Insurance?
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Trip Cancellation help 100% of Trip Cost up to $100,000 Trip Interruption help 150% of Trip Cost up to $150,000 Trip Delay (5 Hours) help $2,500/max $250/day Missed Connection (3 Hours) help $1,000 Medical Expense help $150,000 Emergency Evacuation & Repatriation of Remains help $150,000 Lost Baggage help $2,500 Baggage Delay help $500 Accidental Death & Dismemberment help $25,000 Pre-existing Medical Condition Exclusion Waiver Covered if purchased within 15 days of the Initial Trip Deposit Date. Dental $500 Cancel for Any Reasons (CFAR) 50% of insured Trip Cost, up to a maximum of $5,000 Car Rental Collision Coverage $35,000 Non Insurance Service: Worldwide Travel Assistance Included Financial Default Included
Buy Within 15 Days to Unlock Maximum LuxuryCare Coverage
To qualify for several of LuxuryCare’s most valuable travel protections including the pre-existing condition waiver and Cancel For Any Reason upgrade the policy must be purchased within 15 days of your initial trip deposit.
- Pre-Existing Medical Condition Waiver: Covers conditions that existed before your policy effective date.
- Financial Default Protection: Covers forfeited costs if your travel supplier ceases operations.
- Cancel for Work Reasons: Covered if required to work, or employer merger/acquisition affects your trip.
- Cancel for Any Reason (Optional Benefit): Optional add-on; recover 50% of trip cost for any reason; cancel 48hrs before departure.
Customize Your LuxuryCare Travel Insurance Coverage
LuxuryCare already provides premium travel protection, but travelers can further customize their policy with optional upgrades that expand cancellation flexibility and rental car protection.
1. Cancel For Any Reason (CFAR) Upgrade
Enjoy greater flexibility with the Cancel For Any Reason (CFAR) option. This upgrade allows you to cancel your trip for reasons not normally covered under standard trip cancellation benefits. If you cancel at least 48 hours before your scheduled departure, you can receive 50% reimbursement of your insured, non-refundable trip costs, giving you added peace of mind when travel plans change unexpectedly.
50% trip cost refund Up to $5,000 Must cancel 48hrs before departure2. Rental Car Collision Coverage
Add protection for your rental vehicle during your trip with Rental Car Collision Coverage. This benefit helps cover damage to your rental car caused by collision, vandalism, fire, windstorm, hail, or flood while the vehicle is in your possession. Coverage applies to both the insured traveler and a traveling companion listed on the rental agreement, helping reduce unexpected repair expenses during your trip.
$35,000 per policy Covers collision & weatherHow Do I File a Claim With LuxuryCare Insurance?
To file a claim with LuxuryCare 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
What LuxuryCare Travel Insurance Does Not Cover?
While LuxuryCare offers one of the most comprehensive travel insurance protections available, certain situations and activities are not covered under the policy. Travelers should review the key exclusions below before purchasing coverage.
- Adventure sports including skydiving, BASE jumping, caving, scuba diving below 60 feet, and motor racing.
- War or acts of war (declared or undeclared); civil disorder, riot, or insurrection.
- Pre-existing medical conditions (unless waiver is purchased within 15 days of initial deposit).
- Trips taken against the advice of a physician.
- Trips less than 100 miles from your primary residence.
- Losses due to intoxication or drug use (unless physician-prescribed).
- Normal pregnancy (covered under optional Pregnancy Rider if added).
- Routine dental care, physical examinations, or elective procedures.
- Losses caused by government regulations, general stay-at-home orders, or health advisory orders.
- Travel arranged for the purpose of obtaining medical care.
Need Assistance Choosing The Right Plan?
Need help understanding your policy?
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Why Should I Buy Berkshire Hathaway LuxuryCare Travel Insurance?
Berkshire Hathaway LuxuryCare is a premium travel insurance plan designed for travelers who want strong protection for both their trip cost and unexpected emergencies. It is offered by Berkshire Hathaway Travel Protection, backed by a financially strong and trusted insurance provider. This plan is ideal for international travelers, families, and anyone booking expensive trips who wants peace of mind. Here are the key reasons to choose LuxuryCare Travel Insurance:
- Comprehensive trip protection: Covers 100% of trip cancellation and 150% of trip interruption, helping you recover your prepaid expenses if your plans change due to covered reasons.
- High emergency medical coverage: Provides up to $150,000 for medical expenses and $1,000,000 for emergency evacuation, protecting you from high healthcare costs during travel.
- Strong coverage for travel delays and missed connections: Includes up to $2,500 for trip delays and $1,000 for missed connections, helping cover hotel, meals, and rebooking costs.
- Baggage and personal belongings protection: Covers up to $2,500 for lost baggage and $500 for baggage delay, ensuring you are compensated for inconvenience or loss.
- Pre-existing condition waiver: Included when purchased within the required time, making it a good option for travelers with existing health conditions. Financial default coverage: Protects your trip investment if an airline, cruise, or tour operator goes out of business.
BHTP LuxuryCare Insurance – Frequently Asked Questions
LuxuryCare is BHTP's top-tier plan. It offers the highest medical ($150,000) and evacuation ($1 million) limits in the BHTP lineup, covers the broadest list of trip cancellation reasons, and provides medical expense coverage on a primary basis paying before your other insurance. It also covers trips up to $100,000 per traveler, making it ideal for expensive or luxury trips.
LuxuryCare covers trip cancellation (up to $100,000), trip interruption (up to $150,000), emergency medical expenses ($150,000 primary), emergency evacuation ($1 million), baggage loss, baggage delay, trip delay, missed connections, and accidental death & dismemberment. It also includes 24/7 worldwide assistance services.
Purchase LuxuryCare within 15 days of your initial trip deposit, insure the full non-refundable trip cost, and be medically able to travel at the time of purchase. If these conditions are met, pre-existing medical conditions are covered.
Standard LuxuryCare covers cancellation for a wide list of specific covered reasons. An optional Cancel for Any Reason (CFAR) upgrade is available if purchased within 15 days of your initial deposit. This reimburses 50% of insured trip costs (up to $5,000) if you cancel at least 48 hours before departure.
LuxuryCare's emergency medical expense coverage is primary. It pays first, before any other insurance you hold, such as your regular health insurance.
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.
If your trip is delayed by 5 or more consecutive hours due to a covered reason (e.g., common carrier delay, strike, weather, lost documents), LuxuryCare reimburses reasonable additional expenses meals, lodging, local transport up to $250/day, to a maximum of $2,500.
Yes. If you miss a trip departure due to a flight cancellation or delay of 3 or more hours caused by inclement weather, a named storm, or common carrier delay, LuxuryCare covers the cost to join your departed trip and reimburses unused prepaid trip costs up to $1,000.
Not by default, but an optional Car Rental Collision Coverage upgrade can be added, covering up to $35,000 per policy with a $100 deductible for collision, vandalism, fire, windstorm, hail, or flood damage.
Yes. LuxuryCare covers lost, stolen, or damaged baggage up to $2,500. The first item is covered up to $500; each additional item up to $250. If your bags are delayed 12+ hours, you can claim up to $500 for necessary personal effects purchases.
LuxuryCare is underwritten by Berkshire Hathaway Specialty Insurance Company, which holds an AM Best rating of A++ (Superior).