What Is LuxuryCare?
LuxuryCare from Berkshire Hathaway Travel Protection has BHTP’s highest medical and medical evacuation benefits, plus trip cancellation for more expensive trips up to $100,000 per traveler, and more.
- 100% trip cost trip cancellation coverage
- Includes broadest list of covered reasons for Trip Cancellation of any BHTP plan
- Highest medical ($150,000) and medical evacuation limits ($1 million) of all BHTP plans
- Medical expense coverage is primary
- Pre-existing condition waiver (if purchased within 15 days of initial trip deposit)
- Includes full suite of 24/7 assistance services
- Pic-and-a-click claim filing and fast claim payments
LuxuryCare 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 LuxuryCare plan will insure trips up to $100,000 maximum per traveler. | |
| Available | |
| Provides reimbursement for up to 50% of your non-refundable trip payments if you have to cancel a trip for any reason not listed in the Description of Coverages. CFAR is only available on LuxuryCare, for trips up to $10,000 per individual, and only if you are purchasing your travel insurance plan within 15 days of your initial trip deposit date. Must be added at time of purchase. CFAR cannot be added after purchase of a LuxuryCare plan. Please read the plan’s Description of Coverages for complete details. | |
| 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 LuxuryCare 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. | |
| $2,500 | |
| Reimburses you up to $2,500/max $250/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. | |
| $1,000 | |
| Pays up to $1,000 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. | |
| $150,000 | |
| 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. | |
| $1,000,000 | |
| 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. | |
| $2,500 | |
| 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. | |
| $500 | |
| 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. Please read the plan’s Description of Coverages for complete details. | |
| $25,000 | |
| 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. | |
Coverages
100% of Trip Cost
Available
150% of Trip Cost
Included
$2,500
$1,000
$150,000
$1,000,000
$2,500
$500
$25,000
Included
$35,000
Included
Included
See What Our LuxuryCare Customers Have to Say
“Overall, very helpful and good. Had an incident and once we provided the needed information, payment was quickly issued and received. Would happily use again.” – Jonathan P. (Verified LuxuryCare 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