What Is ExactCare Lite?
ExactCare Lite from Berkshire Hathaway Travel Protection is a post-departure travel insurance plan offering coverage for medical emergencies while traveling. Ideal for last-minute trips, or travelers not concerned about protecting nonrefundable trip deposits. All backed by a provider you can trust.
- Up to $50,000 in emergency travel medical expense, primary coverage
- Also includes coverage for trip delay, missed connection, and baggage delay
- Up to $1,000 in trip interruption to cover early return flight change fees
- 24/7 global travel assistance
- Pic-and-a-click claim filing and fast claim payments
ExactCare Lite Coverage Details
| Coverages | |
| $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 up to $1,000 maximum per insured traveler to transport your return. The interruption must be due to an unforeseen covered reason listed in the policy. Please read the plan’s Description of Coverages for complete details. | |
| $1,000 | |
| Reimburses you up to $1000/max $250 per 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. | |
| $500 | |
| Pays up to $500 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. | |
| $1,000 | |
| Covers your luggage, personal items, and documents. Please read the plan’s Description of Coverages for complete details. | |
| $250 | |
| 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. | |
| $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. | |
See What Our Customers Have to Say
“I became ill just 2 days before my international trip. After my ER visit and full recovery, I submitted the requested information to Berkshire Hathaway claims. Within a few days, my claim was approved and fully reimbursed. BH will now become my go to travel insurance company!” – Ruth W. (Verified BHTP 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