What Is ExactCare?
ExactCare from Berkshire Hathaway Travel Protection is the type of vacation protection travelers ask for most. Offering family-friendly pricing, plus fast, easy claims processing, it’s the safety and security you deserve, from the brand you can trust.
- Comprehensive coverage for trip cancellation and interruption
- Up to $50,000 in emergency travel medical expense, primary coverage
- Two children covered at no additional cost for each covered adult on the policy
- Pre-existing conditions covered (if purchased within 15 days of initial trip deposit)
- Pic-and-a-click claim filing and quick claim payments
- 24/7 global travel assistance
- Optional car-rental insurance (collision coverage)
ExactCare Coverage Details
| Coverages | |
| 100% of Trip Cost | |
| Reimburses you for non-refundable trip payments up to your trip cost if you have to cancel your trip due to an unforeseen covered reason listed in the policy. Our ExactCare plan will insure trips up to $100,000 maximum per traveler. | |
| 150% of Trip Cost | |
| Reimburses you for unused, non-refundable trip payments and additional expenses up to 150% of your trip cost to transport you home or to a point where you can continue your trip. The interruption must be due to an unforeseen covered reason listed in the policy. Our ExactCare plan will provide up to $150,000 in trip interruption coverage per traveler. | |
| Included | |
| When this is listed as “Included,” the exclusion of pre-existing medical conditions is waived as long as you meet all criteria outlined in your Description of Coverage. Please read the plan’s Description of Coverages for complete details. | |
| $1,400 | |
| Reimburses you up to $1,400/max $200/day for additional meals, accommodations, and stated miscellaneous expenses if your travel is delayed due to a covered unforeseen reason and for more than 5 hours. | |
| $750 | |
| Pays up to $750 if you experience a covered delay lasting more than 3 hours which causes you to miss your flight, cruise or other covered transportation’s departure. | |
| $50,000 | |
| Provides reimbursement for emergency medical expenses if you suffer an injury or sickness while on your trip. Medical expense coverage is primary on this plan. Some plans vary by state. Primary coverage means your travel insurance pays first, and you are not required to first submit a claim to your individual health insurance plan. Includes some dental coverage. Please read the plan’s Description of Coverages for complete details. | |
| $500,000 | |
| Covers reasonable and customary charges for an emergency medical evacuation incurred for an injury or sickness that occurs while on a trip. Please read the plan’s Description of Coverages for complete details. | |
| $1,000 | |
| Reimburses you if your luggage, personal items, and documents or visas are lost, damaged or stolen during your trip. Please read the plan’s Description of Coverages for complete details. | |
| $300 | |
| Reimburses you for the purchase of necessary personal effects if your luggage is delayed more than 12 hours. This benefit does not apply if baggage is delayed while traveling to your return destination. | |
| $10,000 | |
| Pays you for an accident that results in the loss of life, limbs or sight. Please read the plan’s Description of Coverages for complete details. | |
| Included | |
| When this is listed as “Included,” the plan covers financial default of an airline, cruise line, common carrier or tour operator as long as you meet all criteria outlined in your Description of Coverage. Please read the plan’s Description of Coverages for complete details. | |
| $35,000 | |
| Available for purchase as an upgrade on certain BHTP plans. Provides reimbursement for repairs if your rental vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood. Eligibility varies by state and destination. A deductible may apply. Please read the plan’s Description of Coverages for complete details. | |
| Included | |
| 24-hour access to a service team that can help in a medical emergency (e.g., locating a doctor, hospital or pharmacy), travel emergency (e.g., finding alternative flights, last-minute hotel changes or car rental assistance), or simply obtain concierge assistance for non-emergency requests (e.g., restaurant reservations, theater or event tickets). Costs of the services are the responsibility of the insured if not covered under the policy. | |
| Included | |
| When this is listed as “Included,” the plan covers cancellation for work reasons as long as you meet all criteria outlined in your Description of Coverage. Please read the plan’s Description of Coverages for complete details. | |
Also from Berkshire Hathaway Travel Protection
Our travel insurance plan lineup lets you choose your coverage, from travel health insurance to trip cancellation coverage to tarmac delay. Compare our plans and discover the best travel insurance for you.
See What Our ExactCare Customers Have to Say
“I got sick days before my trip and had to spend 6 days in the hospital. BHTP took care of me. The money that I couldn’t get refunded from my trip- BHTP cut me a check. I will never use anyone else when traveling.” – Danielle O. (Verified ExactCare Customer)
*If purchased within 15 days of initial deposit. The full coverage terms and details, including limitations and exclusions, are contained in the travel insurance policy. Plans vary per state. If you have questions about coverage available under our plans, please review the policy or contact us at 833-706-3811 or assist@bhtpcom. Please visit www.bhtp.com/legal/disclaimer for additional legal and privacy information. Berkshire Hathaway Travel Protection (BHTP) is a registered trademark of Berkshire Hathaway Specialty Insurance Company (BHSIC). Travel Insurance is underwritten by Berkshire Hathaway Specialty Insurance Company; NAIC #22276. 2025-08-12 A