is travel insurance worth it for airbnb

Should you purchase travel insurance for your vacation rental?

Vacation rentals booked through Airbnb and its alternatives have become popular holiday destinations for all types of travelers, from extended families staying in large beachfront homes to couples vacationing in swanky city apartments.

But what happens if these rental properties, especially ones worth millions of dollars, get damaged before you arrive or if your plans unexpectedly change, causing you to need to cancel or shorten your stay?

While the exact outcome will depend on the situation, if you purchase travel insurance , you may find you're eligible for compensation.

So how do you know if it's worth the investment before your next trip? TPG dug into the details to determine what standard travel insurance policies may cover you for when staying at home rentals — and when you may want to purchase some additional coverage.

For more TPG news and tips delivered each morning to your inbox, subscribe to our daily newsletter .

What travel insurance covers for vacation rentals

Traditional travel insurance policies offer features that will cover you and your invested travel costs, whether you're staying at a hotel , friend's house or rental property. Although the exact benefits for vacation rentals may vary slightly depending on the policy you choose, there are a few situations that most will cover.

Your vacation is canceled due to sickness, injury or an emergency

Many hotels offer free cancellations until two or three days before arrival so long as you book your rooms with flexible rates. However, this is rarely the case for vacation rentals, which often have strict cancellation policies requiring 30 to 60 days of advance notice to cancel without penalty. Some even go so far as to have completely nonrefundable deposits, regardless of the cancellation circumstances.

Fortunately, there's a workaround to this conundrum if you find yourself in an unexpected situation involving your health or the health of someone close to you: trip cancellation coverage. If you have insurance with trip cancellation coverage and cannot complete your trip as planned due to select health-related issues, you'll be able to recoup up to 100% of your nonrefundable costs.

While the exact cases that are eligible for complete reimbursement vary by policy, know that many pertaining to health are covered. For example, World Nomads ' trip cancellation insurance policy will cover you in the event you need to cancel your vacation, including any stays at home rentals, due to illness, injury or a death in the family.

You have to cut your vacation short due to a medical reason or natural disaster

In addition to helping you out when you need to cancel your entire vacation, insurance can reimburse you for early departure fees when you find yourself needing to cut your vacation rental stay short. Know, though, that you'll need to have a policy offering trip interruption protection to be eligible for this perk.

Covered reasons for ending your stay early will vary from plan to plan, but typically, policyholders can expect reimbursement due to health-related issues and natural disasters like hurricanes, wildfires and blizzards. For instance, IMG's travel insurance covers sickness, injury and natural disaster evacuations when cutting vacation rental stays short.

You cannot stay at the rental due to it being uninhabitable

If you book a vacation rental that is not fit for human habitation, then the booking company or owner should refund all your costs. However, there are rare occasions when this does not happen, so it's important to have travel insurance as a backup.

To qualify for reimbursement from your travel insurance provider due to uninhabitable conditions, you'll need to read the fine print of your chosen policy. Allianz , for example, defines uninhabitable as "a natural disaster, fire, flood, burglary or vandalism that has caused enough damage (including extended loss of power, gas or water) to make a reasonable person find their home or destination inaccessible or unfit for use."

Other situations, such as having an unpleasant or dirty vacation rental , would not be enough to trigger this coverage.

Should you have to find another property or cancel your trip completely due to uninhabitable conditions at your original rental, your travel insurance plan will cover the added costs you incur.

Related: 13 mistakes to avoid on your next vacation home rental

What travel insurance won't cover for vacation rentals

As you may expect, there are some situations when travel insurance won't cover extra expenses related to stays at rental properties. To have a solid understanding of what to expect, be sure to read the fine print of any insurance product you choose. Only circumstances listed in the policy will be covered. The following are two key reasons why you wouldn't be covered.

You accidentally damage the property during a typical stay

Most travel insurance policies will not cover the costs of damage you incur at a rental property, even if it was done by accident. As a result, you must pay for a replacement or repair to any item you accidentally break or damage, such as a work of art, a garage door or wine glasses. Depending on the item in question, this can quickly add up.

If you have a homeowners or renters insurance policy, know that it may include protection beyond regular limits called "umbrella" coverage, which can help cover damage caused at a rental property. Keep in mind, though, that you'll have to pay your deductible first. Additionally, your home insurance rate may rise if you submit a claim for vacation rental damage.

Should you wish to stick with travel insurance, you may be able to add extra vacation rental coverage to a traditional policy to assist with accidental damage. Faye's travel insurance , for example, has an add-on feature that offers "coverage if you unintentionally damage the vacation rental property you're staying in or its contents, while in-trip." It costs about 10% of what you'll spend on the main policy itself.

You damage the property while hosting a party

Across the board, travel insurance policies are much more strict about damage caused during parties. If you host an unapproved party or event at a rental property and damage any part of the rental, you will be responsible for covering costs associated with repairs and replacements.

Even approved events are not entirely off the hook for any damage caused to the property. Should you decide to use a vacation rental for an approved event like a wedding or family reunion, expect the booking company or owner to require you to purchase an event-specific insurance policy that covers guest liability, home damage and other items that may be specific to the location.

Related: 6 truths and myths about 'cancel for any reason' travel insurance

Bottom line

Home rentals can be a great lodging solution when you're on vacation, especially if you're traveling with family or friends. However, the high cost of some vacation properties and the cancellation policies often in place mean you should probably purchase some kind of travel insurance to protect your investment.

Typical travel insurance policies will offer coverage for your vacation rental costs should your trip be canceled or delayed for events covered under the policy, but you may be on the hook for other scenarios. As a result, it's vital you pay careful attention to your policy's terms. Doing so will ensure you know what to expect should you face an unexpected situation while enjoying your temporary home away from home.

Related: 7 things to look out for when buying travel insurance, according to an expert

Airbnb Travel Insurance: What Guests Should Know

Airbnb travel insurance can protect your finances if your trip goes awry..

5+ years writing insurance and personal finance topics

Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Featured in

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4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Updated September 26, 2023

Reading time: 4 minutes

Airbnb insurance
What’s covered
What’s not covered
Filing a claim

Staying in an Airbnb can be more convenient and affordable than renting a hotel room. And now, Airbnb offers travel insurance for guests in certain regions. Travel insurance can offer valuable financial protection if you need to cancel a prepaid trip for a covered reason.

Before you book a short-term rental through Airbnb, you should review and understand the available insurance options. Here’s what you need to know about Airbnb insurance, including what’s covered, what’s not covered, and how to file a claim.

Airbnb travel insurance explained

Airbnb travel insurance is an optional policy that you can purchase when booking a short-term rental. If you need to cancel your Airbnb booking for a covered reason, your insurer will reimburse you for up to 100% of your non-refundable reservation costs. It also provides coverage for things like travel delays and medical emergencies.

Airbnb travel insurance is currently available for customers in the United States, United Kingdom, and some European countries, including Austria, Germany, Italy, Ireland, the Netherlands, Portugal, and Spain. [1]

The cost of Airbnb travel insurance is a percentage of your total reservation cost. When you book your stay, you’ll have the option to add travel insurance to your reservation. The cost is added to the total reservation cost as a line item, and you pay for the policy when you check out online.

AirCover vs. Airbnb travel insurance

Every Airbnb booking includes AirCover, which covers things like last-minute booking cancellations by the host and problems during check-in. There’s also a 24/7 safety line that Airbnb guests can call if they feel unsafe. [2]

In addition, AirCover provides certain protections for hosts, like guest identity verification, $3 million in property damage protection, liability insurance, and loss of income insurance.

AirCover and Airbnb travel insurance are different products. AirCover is free with all bookings and covers significant issues that arise with a booking, like inaccurate listings or missing amenities.

On the other hand, Airbnb travel insurance is optional, and you can add it to your reservation for an additional cost. Unlike AirCover, Airbnb travel insurance will refund you for prepaid booking expenses if you need to cancel your trip for a covered reason, like flight delays or illness.

What Airbnb travel insurance covers

Airbnb travel insurance provides coverage for many unforeseen situations that can arise during travel. Here are some of the things an optional Airbnb travel insurance policy covers. [3]

Trip cancellation

If you need to cancel your Airbnb reservation for a covered reason, you can file a claim and get refunded for up to 100% of your prepaid and non-refundable costs. Covered reasons include illness and injury, flight cancellations and delays, and government mandates for evacuations due to a natural disaster or other inclement weather events.

Travel delays

This part of the policy will reimburse you for additional expenses if your trip gets delayed by more than 12 hours for a covered reason. Some covered situations include delayed flights, bad weather, and stolen passports and travel documents.

Medical emergencies

If you get sick or injured during your trip, an Airbnb travel insurance plan will reimburse you for medical costs, including prescription medication, emergency transportation in an ambulance, and hospital bills.

Delayed baggage

Guest travel insurance from Airbnb will reimburse you for lost, damaged, or stolen baggage. In addition, this policy will cover damaged travel documents and unauthorized credit card transactions that occur while traveling.

24/7 emergency and travel assistance

Airbnb offers 24/7 assistance while you’re traveling. Whether you experience a medical emergency and need to go to the nearest hospital or have questions about booking restaurants on your trip, a representative from Airbnb can provide the appropriate assistance, day or night.

What Airbnb travel insurance doesn’t cover

Airbnb travel insurance doesn’t cover everything, so it’s important to read your policy’s fine print before purchasing coverage. You’ll have the option to review the terms of Airbnb’s travel insurance contract before you add it to your reservation.

For example, for bookings made on or after May 31, 2022, having COVID-19 is no longer considered an extenuating circumstance that would allow you to cancel your trip for a refund.

There are also some location-specific restrictions. For UK travelers, Airbnb travel insurance doesn’t cover the cost of travel to and from your Airbnb listing, such as trains and ferries. It also won’t cover treatment for pre-existing medical conditions. [3]

How do you file an Airbnb travel insurance claim?

The insurance company that underwrites the policy handles Airbnb’s travel insurance claims. For U.S. residents, the underwriter is Generali. For UK and EU residents, the underwriter is Europ Assistance. [3]

You can initiate the claim process by visiting the coverage overview page on the Airbnb website and selecting “Start a Claim.” You can also contact the insurance company that underwrites your policy directly to start a new claim. [3]

Airbnb travel insurance FAQs

Below, you’ll find answers to some of the most commonly asked questions about Airbnb travel insurance.

How do you add Airbnb travel insurance to your booking?

When you reserve an Airbnb, you’ll have the option to add travel insurance to your reservation before you check out. The travel insurance premium will already be generated, so you can simply check the box to add the insurance policy to your total reservation cost.

Does Airbnb travel insurance cover COVID-19?

Airbnb travel insurance doesn’t cover COVID-19. If you test positive for COVID-19 and need to cancel your trip, the Airbnb host’s cancellation policy will apply. Additionally, Airbnb travel insurance doesn’t cover unexpected travel disruptions due to COVID-19, like quarantine mandates or border closures.

Are hosts covered by Airbnb travel insurance?

Airbnb travel insurance doesn’t provide any protection for hosts or their Airbnb property. However, AirCover, which is included for free in every booking, does provide protections for Airbnb hosts, such as damage to their rental property.

Should you get insurance for Airbnb?

Airbnb travel insurance can be beneficial if you’re spending a lot of money on non-refundable bookings or want to ensure coverage for unexpected issues, like travel delays and lost baggage. However, if you’re driving a short distance to stay in a vacation rental for the weekend, this policy may not be worth the added cost.

Does Travel Insurance Cover Pre-Existing Conditions?
What Is Cancel For Any Reason (CFAR) Travel Insurance?
Airbnb . " Understanding Travel Insurance ."
Airbnb . " Aircover for guests ."
Airbnb . " Travel insurance through Generali ."

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com .

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Airbnb Travel Insurance for Guests | What it is and How it Works

Traveling opens doors to new experiences and cultures, but unexpected events can disrupt even the best-laid plans. Trip cancellations, flight delays or medical emergencies can leave you scrambling for solutions and facing financial losses. This is where travel insurance steps in, offering a safety net for unforeseen circumstances.

Airbnb, recognizing this need, offers travel insurance as an add-on purchase for guests during the booking process. But how does it differ from the existing Airbnb Host Guarantee programs like AirCover for guests? Let's delve into the world of Airbnb travel insurance and understand how it can protect your next Airbnb adventure.

AirCover vs. Travel Insurance

It's important to distinguish between Airbnb travel insurance and AirCover for guests . AirCover is a free program offered by Airbnb. It acts as a safety net for situations directly related to the host or the listing itself.

Let's dissect what AirCover covers:

Listing inaccuracy: Did the pool in the pictures turn out to be a kiddie inflatable? AirCover comes to the rescue if the listing significantly differs from reality and the host can't rectify it. Guests will be assisted in finding similar accommodation or offered a full or partial refund.
Host cancellation within 30 days: Imagine booking your dream getaway only to have the host cancel last minute. AirCover ensures guests aren't left scrambling. It will help them find alternative accommodation or provide a full refund.
Unable to check-In (host's fault): You arrived at your stay, but the host is nowhere to be found, or there's a problem with access? AirCover steps in, helping guests find a similar place or offering a full refund depending on the circumstances.

In these scenarios, Airbnb will help you find a similar place to stay or offer a full or partial refund.

Travel insurance

Travel insurance acts as a broader umbrella, shielding guests from a wider range of potential disruptions beyond the scope of AirCover.

Unlike AirCover, travel insurance is an optional add-on purchased during the booking process. It's provided by a third-party insurance company, currently Generali Global Assistance in the US and Europ Assistance Group in other parts of the world) and offers broader coverage for unforeseen circumstances outside the control of you and your host.

What does Airbnb travel insurance cover?

Airbnb travel insurance offers a safety net for various situations that could derail your trip. Here's a breakdown of some key coverages:

Trip cancellation: If you need to cancel your trip entirely for a covered reason, you can be reimbursed for up to 100% of your non-refundable Airbnb booking cost. Covered reasons typically include illness, injury (to yourself or a travel companion), natural disasters at your destination or unexpected work obligations.
Trip interruption: Imagine having to cut your Airbnb stay short (due to a covered reason). You can get reimbursed for the unused portion of your accommodation cost, potentially up to 150% (including the initial cancellation reimbursement). This additional 50% might cover some additional expenses incurred due to the disruption.
Travel delay: Flight delays can wreak havoc on your itinerary. If your trip is delayed by 24 hours or more due to a covered reason (like bad weather or a mechanical issue), you might be reimbursed for expenses like meals, accommodation and local transportation incurred during the delay, up to a certain limit per person (typically $750).
Emergency medical and evacuation: Accidents or sudden illness can occur anywhere. You get coverage for medical expenses and emergency medical evacuation (including repatriation) if needed during your trip.
Baggage delay or loss: Misplaced luggage can throw a wrench in your travel plans. If your checked baggage is delayed or lost for 24 hours or more, you might be reimbursed for essential items like toiletries and clothing to tide you over until your luggage arrives.

What does Airbnb travel insurance NOT cover?

This depends on how the coverage is defined and the country of residence of the Airbnb traveler. For example, UK residents are not covered for travel costs such as flights, trains and ferries as well as pre-existing medical conditions.

Policy details relevant to each country including areas of coverage and key exclusions can be found here .

How Does Airbnb AirCover Work with Airbnb Travel Insurance?

Airbnb’s AirCover for guests and travel insurance are two different but complementary products that work well together. For example, if a guest arrives at their destination only to find the host has canceled the reservation at the last minute. Meanwhile, they are informed at the airport that their baggage is missing. While AirCover will help the guest find a new place to stay at no extra cost, they can file an insurance claim to get reimbursed for their missing baggage.

Key Considerations for Guests When Choosing Travel Insurance

While AirCover offers valuable protections related to Airbnb itself, Airbnb travel insurance provides a broader safety net for various trip disruptions.

By understanding the coverage details and comparing it to your specific needs and risk tolerance, you can decide if Airbnb travel insurance is a worthwhile addition to your Airbnb booking. Here are some additional tips:

Compare costs: Don't just rely on the travel insurance offered during booking. Consider comparing it with independent travel insurance providers to see if you can find a better deal with similar coverage.
Read reviews: Researching online reviews of Generali's travel insurance can give you insights into their claim settlement process and customer service.
Consider trip protection on credit cards: Some credit cards offer trip cancellation or interruption insurance as a benefit. Check your credit card's benefits to see if it might already offer some coverage.
Always review the full terms and conditions of any travel insurance policy before purchasing.
File claims promptly according to the insurer's guidelines.
Keep all documentation related to your trip cancellation or disruption, including receipts and communication with the host or airline.

By being prepared with Airbnb travel insurance, you can embark on your Airbnb adventure with greater confidence, knowing you have some financial protection if the unexpected arises. Now you can focus on creating lasting memories during your stay!

Who should consider Airbnb travel insurance?

Travel insurance can be a wise investment for:

Those with non-refundable bookings: If you've booked an Airbnb with a strict cancellation policy , travel insurance can provide peace of mind in case unforeseen circumstances force you to cancel.
Those booking expensive trips: For trips with a significant financial investment, travel insurance can help mitigate potential losses due to cancellations or interruptions.

Ready, Set, Go!

Airbnb travel insurance is more than just a step in creating new revenue streams. It’s also a means of providing added convenience to users inclined to purchase travel insurance while keeping them inside the Airbnb platform.

By incorporating this optional safety net, you can approach your Airbnb adventure with a sense of security, ready to embrace the possibilities and forge unforgettable memories. Remember, travel insurance provides a financial buffer, but prioritizing safety and well-being throughout your travels should always be your top priority. Now, bon voyage!

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Home » Travel Insurance » Airbnb Travel Insurance: Is It Worth It? Your Ultimate Guide to Protecting Your Stay

Travel Insurance

Airbnb Travel Insurance: Is It Worth It? Your Ultimate Guide to Protecting Your Stay

man and woman unlocking the door to a short term rental airbnb

Author | Alexa Erickson
April 15, 2024

The Daily Navigator strives to help you make the best decisions in travel. While we produce content according with strict editorial integrity this post may contain references to partner products. Here’s a full explanation for how our team makes money .

Understanding travel insurance coverage
Factors to consider
When travel insurance may not be necessary
What may be excluded from travel insurance
How to get travel insurance

What is travel insurance?

Travel insurance is a type of insurance coverage that provides financial protection against unexpected events or emergencies that may occur during your travels, such as trip cancellations, medical emergencies, lost baggage, or other unforeseen circumstances.

What are the main types of travel insurance?

The main categories of travel insurance are typically based on the type of coverage they provide. Here are the main categories of travel insurance:
Trip cancellation/interruption insurance: This covers expenses incurred if you need to cancel or interrupt your trip due to covered reasons such as illness, injury, death, natural disasters, or other unforeseen events.
Medical insurance: This provides coverage for medical expenses incurred while traveling. It can include emergency medical treatment, hospital stays, doctor’s visits, medications, and medical evacuations.
Baggage and personal belongings insurance: This type of travel insurance protects against loss, damage, or theft of your luggage, personal belongings, and valuables during your trip.
Travel delay insurance: This covers additional expenses incurred due to unexpected delays, such as flight cancellations, missed connections, or severe weather conditions.
Emergency evacuation insurance: This category assists with the cost of emergency evacuations, particularly in remote or medically inadequate areas.
Accidental death and dismemberment insurance: This provides financial compensation in the event of accidental death, loss of limbs, or permanent disabilities resulting from accidents that occur during your trip.

How much does travel insurance cost?

The cost of travel insurance varies depending on several factors, including your destination, the length of your trip, your age, the coverage options you choose, and any pre-existing medical conditions. It is advisable to compare quotes from different insurance providers to find the best coverage at a competitive price.

Where can you buy travel insurance?

Travel insurance can be purchased from various sources, providing flexibility and options for travelers. Here are some common places where you can buy travel insurance:

Insurance companies: Many insurance companies offer travel insurance policies. You can directly contact insurance providers to inquire about their offerings, receive quotes, and purchase a policy. These companies may have online platforms or local offices where you can access their services.
Travel agencies: Travel agencies often offer travel insurance as part of their services. When booking your trip through a travel agency, they can provide you with options for travel insurance coverage and facilitate the purchase on your behalf.
Online travel booking platforms: Online travel booking platforms, such as Expedia , Travelocity, or Kayak, often provide the option to purchase travel insurance during the booking process. These platforms may partner with insurance providers to offer a range of policies that you can select from.
Credit card companies: Some credit card companies offer travel insurance as a benefit to their cardholders. If you have a credit card with travel-related perks, review the terms and benefits associated with your card to see if travel insurance coverage is included and how to access it.
Comparison websites: There are online comparison websites that allow you to compare different travel insurance policies from multiple providers. These platforms provide a convenient way to review coverage options, prices, and customer reviews, helping you make an informed decision.
Specialized travel insurance providers: There are companies that specialize in travel insurance, offering a wide range of policies tailored to different types of travelers and trips. These specialized providers may have additional coverage options or unique features that cater to specific needs, such as adventure travel or long-term travel.

With the rise of vacation rental platforms like Airbnb, travelers are increasingly seeking ways to protect their trips from unforeseen events. This is where Airbnb travel insurance comes into play.

Let’s take a detailed look at what Airbnb travel insurance is, its importance, who offers it, and whether you should consider purchasing it.

Read also: The Best Travel Insurance Companies of 2024

What is Airbnb travel insurance?

Airbnb travel insurance is designed to cover unexpected events that may affect your travel plans when booking accommodations through Airbnb. This type of insurance can cover a range of incidents, including trip cancellations, interruptions, medical emergencies, and even lost luggage. Essentially, it acts as a safety net, ensuring that travelers can recover some of their costs if their travel plans are disrupted by covered events.

Should you get Airbnb travel insurance?

The decision to purchase Airbnb travel insurance largely depends on your personal risk tolerance and the nature of your trip. If you are planning a costly vacation, or traveling to a location with volatile weather or political climates, travel insurance can be particularly valuable. It offers peace of mind by mitigating financial losses due to last-minute cancellations or medical emergencies.

Here are some scenarios where Airbnb travel insurance can be beneficial:

High investment trips : If you’re spending a significant amount on your Airbnb bookings, flights, and other travel arrangements, insurance can protect that investment.
International travel : For trips abroad, where unexpected medical costs and trip delays are more problematic, travel insurance is highly advisable.
Traveling in uncertain times : During periods of global uncertainty, such as the COVID-19 pandemic, having travel insurance means you’re more likely to recoup costs if plans change unexpectedly.

Navigator Tip

One crucial tip for travelers considering Airbnb travel insurance is to purchase the insurance policy shortly after booking your trip. Many travel insurance policies offer the most comprehensive coverage options, including a “Cancel For Any Reason” benefit, only if the insurance is purchased within a specific time frame after making the initial trip deposit—often within 10 to 21 days.

Buying your insurance early not only maximizes the coverage available but also ensures that you’re protected right from the start of your trip planning. This early purchase is particularly important for trips planned during peak travel seasons or to areas prone to natural disasters, as it secures your investment against a broader range of potential disruptions.

Who offers Airbnb travel insurance?

Airbnb guests residing in the US have the option to purchase travel insurance and assistance services either at the time of checkout or after their booking is confirmed.

However, there are many third-party providers that offer policies for Airbnb customers as well. One reputable provider in this market is Squaremouth . Squaremouth is known for its transparent approach to selling travel insurance, providing a platform where travelers can compare policies from various insurers to find the best fit for their needs.

When choosing a policy, it’s important to read the fine print and understand what is and isn’t covered. Not all travel insurance policies are created equal, and coverage can vary significantly between providers.

Why consider Squaremouth for your Airbnb travel insurance?

Squaremouth stands out for several reasons:

Comparison shopping : Squaremouth allows travelers to compare different travel insurance policies from top-rated insurers side by side.
Customer reviews : The platform offers customer reviews and ratings for each policy, helping you make an informed decision based on other travelers’ experiences.
Comprehensive coverage options : From trip cancellation to medical emergencies, Squaremouth offers a range of coverage options that cater to various travel needs.

Several insurance companies offer travel insurance policies that are suitable for Airbnb stays, including:

Tin Leg offers travel insurance that is suitable for Airbnb stays, featuring comprehensive coverage options. Their policies typically include benefits such as trip cancellation, interruption, emergency medical coverage, and baggage loss or delay.

Seven Corners

Seven Corners offers various travel insurance plans that can be tailored to include coverage for stays at rental properties like those booked through Airbnb. Their plans often cover medical expenses, trip cancellation, and interruptions.

Are there credit cards that offer travel insurance you can use for booking an Airbnb?

Yes, several credit cards offer travel insurance benefits that can be useful when booking an Airbnb stay. These benefits typically include trip cancellation and interruption insurance, travel accident insurance, baggage delay insurance, and sometimes even emergency medical and evacuation coverage. Here are a few key points to consider if you’re thinking of using a credit card’s travel insurance for your Airbnb booking:

Key features of credit card travel insurance

Trip cancellation and interruption Insurance : This coverage can reimburse you for non-refundable travel expenses, including Airbnb stays, if your trip is canceled or cut short due to covered reasons such as sickness, severe weather, or other qualifying unforeseen events.
Baggage delay insurance : If your bags are delayed, this insurance may cover the cost of essential items until your luggage arrives.
Travel accident insurance : Provides coverage for accidental death or dismemberment that occurs while traveling.
Emergency medical and evacuation : Some premium credit cards offer this coverage, which can be crucial, especially for international travel. It covers emergency medical expenses and, if necessary, medical evacuation.

Considerations when using credit card travel insurance for Airbnb

Coverage limits : Credit card travel insurance often has lower coverage limits and more exclusions compared to standalone travel insurance policies. It’s essential to review the terms and benefits to ensure they meet your needs.

Eligibility requirements : To activate these insurance benefits, you typically need to pay for a significant portion of your travel expenses with the credit card that offers the coverage. Ensure that your Airbnb booking is eligible.

Specific coverage details : The specifics of what is covered can vary greatly from one credit card to another. For example, some cards may exclude certain types of travel disruptions or reasons for cancellations that standalone travel insurance might cover.

Popular credit cards offering travel insurance

Chase sapphire reserve®.

Offers extensive travel insurance benefits, including trip cancellation and interruption insurance, baggage delay insurance, and emergency medical coverage.

60,000 Bonus Points

after you spend $4,000 on purchases in 3 months of account opening

Learn More –>

The Chase Sapphire Reserve® is a premium travel card that’s accessible to most travelers as it has a number of valuable and easy-to-use benefits. Its annual fee of $550, though still high, is quickly offset thanks to its $300 travel credit, large welcome bonus, strong spending categories, and premium perks like airport lounge access. It’s also great for those who don’t want to deal with transferring their points, as you’ll get big value when redeeming through Chase’s travel portal.

PROS

Its 60,000-point intro bonus is worth much more than the annual fee of $550.
The $300 travel credit covers anything travel related, whether thats an Airbnb, a taxi, a flight, or hotel, making it almost impossible not to lessen the dent the fee made.
The points are worth 1.5 cents a piece when used directly on Chase’s Ultimate Rewards Portal, offering a simple but high value use for your points.
Plenty of excellent transfer partners allow points to be maximized
Some excellent partnerships with Doordash and Lyft add to its value.
Priority Pass membership allows access to over 1,300+ airport lounges and restaurants.

CONS

No complimentary elite hotel status, like that offered by the Amex Platinum.
You won’t earn points on travel purchases until the $300 credit is used.
It’s subject to Chase’s 5/24 rule. So if you’ve opened five cards in the last two years, you’re most likely not going to be accepted.

Annual Fee: $550 | Terms Apply | Rates & Fees

The Platinum Card® from American Express

This luxury travel credit card offers a hefty welcome bonus, and an annual fee that more than pays for itself thanks to its plentiful perks. The card includes trip cancellation and interruption insurance, as well as travel accident insurance, with generous coverage limits.

80,000 Membership Rewards® Points

after you spend $8,000 on purchases in your first 6 months of card membership

The Amex Platinum was once the sole dominating force in the luxury credit card space. While it now faces some stiff competition, it still offers unbeatable perks like unprecedented airport lounge access, elite status at Hilton and Marriott, and some outstanding statement credits making the mammoth $695 worth it for some.

The Amex Platinum’s typical intro bonus of 80,000 points is massive in itself. It’s worth $800 when spent directly through Amex’s travel portal on flights and hotels, which is already stellar. But when transferred to a partner, it’s very possible to squeeze over $1,600 or more in value.
The Platinum has a slew of top-tier benefits, like Priority Pass, which gives the cardholder access to thousands of airport lounges and restaurants around the world, as well as Amex’s own Centurion lounges which are known for the high-quality (and free) food and cocktails. Other perks include up to $200 in Uber credits, up to $200 in airline fee credits (given in statement credits), up to $240 in digital streaming credits, up to $200 towards hotel bookings (given in statement credits) with Amex’s Fine Hotels and Resorts (2 night minimum stay required), and more. Enrollment is required for select benefits.
A number of statement credits spanning multiple industries can build even more value into the card, including free stays when applied strategically.
The Amex concierge is an underutilized benefit that can transform a trip by helping book hard-to-find dinner reservations or show tickets.
The $695 annual fee is brutally high. Too high for many that can’t, or don’t want to take full advantage of its benefits.
Points-earning rates are low unless spending directly on flights or with the Amex Portal.
Some of the benefits, like travel credits, are more limited and are harder to use than competing cards’ offerings.

Annual Fee: $695 | Terms Apply | Rates & Fees

For just a $95 annual fee, the Capital One Venture Rewards Credit Card gives you one of the loudest bangs for your buck. It also provides travel accident insurance and lost luggage reimbursement, among other benefits.

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The Capital One Venture is an excellent go-to card for any traveler, thanks to its easy to navigate 2 miles per dollar on every purchase. With no bonus categories to consider, a reasonable $95 annual fee, and a strong 75,000-mile intro offer worth over $1000, Alec Baldwin might be onto something.

The Capital One Venture’s 75,000 mile intro bonus is worth $750 when spent on Capital One’s (recently revamped) travel portal or you can use your miles to cover your recent purchases. The bonus rises to well over $1000 when transferred to an airline or hotel partner.
A steady 2 miles per dollar on all purchases makes earning simple and lucrative. You’ll also grab 5 miles per dollar when booking through Capital One’s travel portal.
Its $95 annual fee is almost negligible, especially if the intro bonus is achieved Flexible miles allow for a wide array of redemption options
You can enjoy a two free visits to a Capital One Lounge each year
You’ll get up to a $100 credit for Global Entry or TSA PreCheck® membership which can help make airport security a breeze.
Capital One lacks US-based airline and hotel transfer partners
Not many major perks beyond its miles value

Annual Fee: $95 | Terms Apply | Rates & Fees

Airbnb travel insurance is a crucial consideration for travelers looking to protect their trips from unexpected disruptions. Whether facing trip cancellations, medical emergencies, or other unforeseen events, the right insurance policy can safeguard your travel investments and offer peace of mind. While third-party providers like Squaremouth provide a broad range of options to cover Airbnb stays, don’t overlook the benefits that may already be available through your credit card.

Many credit cards offer travel insurance benefits, including trip cancellation and interruption coverage, which can be applicable to Airbnb bookings. However, it’s important to understand the specifics of these benefits, as coverage limits, eligibility requirements, and covered reasons for cancellation can vary significantly.

Ultimately, whether you opt for a standalone travel insurance policy or utilize the benefits from your credit card, the key is to ensure that you have comprehensive coverage tailored to your specific travel needs. By carefully reviewing your options and understanding the coverage you choose, you can enjoy your Airbnb experience with greater confidence and security.

Read also: The Best Credit Cards for Travel Insurance Benefits

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Is Airbnb Travel Insurance Worth It? Exploring the Pros and Cons

Planning a vacation can be an exciting experience, but it’s essential to consider all aspects of your trip, including travel insurance. While Airbnb offers its own travel insurance policy, you might be wondering, “Is Airbnb travel insurance worth it?” In this article, we’ll take a closer look at Airbnb’s insurance coverage, exploring its benefits and drawbacks to help you make an informed decision about protecting your trip.

Understanding Airbnb Travel Insurance:

Airbnb offers a built-in Host Protection Insurance program that provides coverage for property damage and liability claims up to a certain limit. However, this insurance primarily protects the hosts rather than the guests. To address this, Airbnb introduced a separate Guest Refund Policy and Host Guarantee to protect travelers from unexpected circumstances.

Pros of Airbnb Travel Insurance:

Convenient and Affordable: One of the biggest advantages of Airbnb travel insurance is its convenience. By opting for Airbnb’s insurance, you can easily add coverage to your booking with just a few clicks. Additionally, the cost is often included in the overall price, making it a hassle-free choice.
Comprehensive Coverage: Airbnb’s insurance coverage offers protection against trip cancellations, interruptions, and delays caused by specific unforeseen circumstances, such as illness, accidents, or natural disasters. This can provide peace of mind, knowing that you have financial protection in case of unexpected events.
Worldwide Coverage: Whether you’re traveling domestically or internationally, Airbnb’s insurance coverage applies globally. This means you can feel secure no matter where your adventures take you.
Host Protection Insurance: As a guest, you benefit indirectly from Airbnb’s Host Protection Insurance. This coverage protects you in case of accidental property damage or personal injury claims made by the host. Knowing that you have some form of protection can make your stay more relaxed and worry-free.

Cons of Airbnb Travel Insurance:

Limited Coverage: While Airbnb’s insurance coverage is comprehensive in certain areas, it does come with limitations. It’s crucial to carefully read the policy to understand the specific circumstances under which you’re covered and the applicable deductibles or limits.
Exclusions and Pre-Existing Conditions: Like any insurance policy, Airbnb’s coverage comes with certain exclusions and limitations. Pre-existing medical conditions, war-related incidents, and high-risk activities may not be covered. Make sure to review the policy details to understand what is and isn’t included.
Overlapping Coverage: Before purchasing Airbnb’s insurance, consider any existing travel insurance policies you might already have. If you already have coverage through another provider, it’s important to compare the benefits and coverage limits to avoid unnecessary duplication.
Claims Process: Some travelers have reported challenges when it comes to the claims process with Airbnb’s insurance. It’s essential to familiarize yourself with the steps involved and the required documentation to ensure a smooth claims experience, should the need arise.

Making an Informed Decision:

Deciding whether Airbnb travel insurance is worth it ultimately depends on your personal circumstances, risk tolerance, and travel plans. If you value convenience, affordable coverage, and the peace of mind that comes with protection against unforeseen events, Airbnb’s insurance might be a suitable option. However, if you already have robust travel insurance or are traveling to high-risk destinations, you might want to explore other insurance options to ensure comprehensive coverage.

While Airbnb travel insurance offers convenient and affordable coverage for travelers, it’s essential to weigh the pros and cons before making a decision. Consider your specific travel needs, compare the coverage and limitations, and evaluate any existing insurance policies you may have. By taking these factors into account, you can make an informed decision that best suits your travel requirements and provides the necessary protection for a worry-free trip.

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Airbnb Travel Insurance for Guests: Cost, details, limitations, differences with Aircover

Thibault Masson

Updated on: July 21, 2022

Airbnb is rolling out its guest travel insurance in the US, the UK, and 8 countries of the European Union . The company had been working on it for at least two years. Unlike its Aircover for guests program, which is free, this travel insurance is a paid product . Travelers can purchase it while completing their booking. Big insurance company names are behind the insurance program (e.g. Europ Assistance, Generali, AON). Let’s discover what Airbnb’s travel insurance exactly covers, when it can be used, and wha t impact it can have on existing host cancelation policies . We’ll also see why it is difficult to roll out a travel insurance offering globally.

Airbnb is not the first vacation rental listing platform to be offering travel insurance to its guests. Vrbo has been selling travel insurance products in the US created by Generali (formerly CSA Travel Protection) for years. At a time when online travel agents like Hopper are promising incremental revenues from FinTech products to their investors, it is also good for Airbnb to announce a way to make money on insurance products, after giving away host insurance liability for free, for instance.

Where is Airbnb’s travel insurance available?

Airbnb is launching its guest travel insurance in the following countries:

the Netherlands,
Austria,

Airbnb is planning on making its travel insurance available to guests in other countries in the future. Our guess is that Airbnb will then go after other markets in the European Union, such as France, as it already has set some insurance operations within the EU. Then, other countries with similar insurance industry setups such as Australia come could.

Rolling out insurance is really a matter of going at it country by country and even state by state in the US. Insurance regulations are very strong and differ from one country to another in the EU and one state to another in the US.

For countries in South America, parts of Asia, and Africa, things will probably take more time.

What does the Airbnb travel insurance cover and when can a guest make a claim? Disover this trip cancellation insurance which does not infringe existing host cancellation policies.

What the airbnb travel covers, for instance, in the us:.

In the US, the Airbnb travel insurance is powered by the Generali insurance company. The plan includes:

Trip cancellation: Get reimbursed for up to 100% of your non-refunded Airbnb reservation cost if you cancel for a covered reason, such as: iIllness or injury, flight cancellations and delays due to weather, or mandatory evacuations due to weather.
Travel delay: Get reimbursed for certain additional expenses you incur because your trip is delayed for 12 hours or more for a covered reason, such as: flight delays, passport theft, or adverse weather.
Medical: Get reimbursed for doctor-ordered medical services during your trip, such as: hospital services, ambulance services, and prescription medicines.
Baggage: Get reimbursed for lost, stolen, or damaged baggage, lost, stolen, or damaged travel documents, and unauthorized use of credit cards during your trip.

The plan also comes with other coverages and perks, like 24/7 emergency and travel assistance services. With just a phone call, you can get help with anything from a medical referral to a restaurant recommendation.

What does the Airbnb travel insurance mean for a host?

Airbnb’s travel insurance for guests promises a payment for up to 100% of their non-refunded Airbnb reservation costs if their trip is impacted by specific events, such as

bad weather,
stolen travel documents,
or serious illness.

Airbnb’s travel insurance is more like a trip cancellation insurance that works under certain conditions than a cancel-for-any reason insurance product.

Basically, if a traveler has to cancel their trip:

The existing host cancellation policy will apply.
Let’s take the example of a booking made under the Airbnb Strict cancellation policy . It allows guests to receive a full refund if they cancel within 48 hours of booking and at least 14 days before a listing’s check-in time. In the event of a cancellation within 48 hours, the guest is only entitled to a 50% refund, regardless of how far out the check-in date is. S o, the host only pays back 50% of the Airbnb reservation cost.
Now, if specific events listed and covered by the Airbnb travel insurance occur, then travel insurance can refund up to the remaining 50% .
Note that, unlike with Aircover, the insurance provider will not seek to recover any money from the Host if a guest files a travel insurance claim

What exactly is the “Airbnb booking cost” that is covered?

To our understanding, the Airbnb booking cost is what the guest pays to the host. It may or may not include Airbnb’s service fee. Depending on the existing host cancellation policy, the travel insurance will pay the guest the part of the booking cost that the host got to keep as per the cancellation policy.

For example, if the Host refunds 50% of the Airbnb reservation cost based on their cancellation policy, travel insurance can refund up to the remaining 50% if the guest cancels for a covered reason.

How about COVID-19?

At Airbnb, for any booking made on or after May 31, 2022, being sick with COVID-19 will no longer be considered an extenuating circumstance. This is also the case on most online travel platforms such as Booking.com and Vrbo?

According to Airbnb, its guest travel insurance “could” cover costs related to COVID as it can cover “serious illness”: “If a guest purchases travel insurance, they could be covered should they become sick with COVID-19 (as diagnosed by a licensed doctor) and other policy terms are met. So, it may depend on where the guest booking is from, among other things.

If they are worried about having to cancel a trip due to COVID-related reasons, Airbnb recommends travelers buy travel insurance. So, it would make sense that Airbnb started selling such an insurance product to its guests.

How can you buy guest travel insurance on Airbnb?

Guests get the option to purchase travel insurance during the booking process. The Airbnb guest travel insurance cannot be bought separately or after the booking has been made.

During booking, guests are given the option to add travel insurance.
Dedicated screens provide details about what the policy covers and key exclusions.
If they’re interested, guests simply add travel insurance to their booking and check out.
The guest’s travel insurance premium is a percentage of their total trip cost and will appear as a line item at checkout.
After completing their reservation, guests who added travel insurance will receive an email confirmation with their policy’s details and information about how to file a claim

Is it free or paid?

The Airbnb travel insurance is not free, can be purchased at booking time and covers up to 100% of Airbnb booking cost

How much does the Airbnb guest travel insurance cost?

The cost of Airbnb’s travel insurance is not a fixed cost. It varies according to the total trip cost (as well as the location of the guest making the booking). The guest’s travel insurance premium is a percentage of their total trip cost and will appear as a line item at checkout.

What are the differences between Aircover for guests (free) vs Airbnb travel insurance (paid)?

So here are the main differences with Aircover for guests:

Aircover for guests is free, while Airbnb’s travel insurance is a paid product.
Aircover relies on a set of processes that force hosts to pay back guests in case of major issues (e.g. impossible to check-in, a major listing feature missing such as air conditioning)
Airbnb’s travel insurance is underwritten by large insurance companies such as Generali.
Aircover for guests is triggered when things do not go well due to issues on the host side, while the guest travel insurance covers trip cancellations due to bad weather or the guest falling sick.
While Aircover for guests often gets down to hosts refunding money to guests, Airbnb’s travel insurance is money paid by the insurance company to the guests (no money is retrieved from the host on top of the existing host cancellation policy).

Aircover for guests is a set of protections that rely on hosts refunding money. It is no insurance, unlike the guest travel insurance product being introduced

Du ring its Summer 2022 Release event , Airbnb announced a program called “Aircover” which offers new booking protections for guests, for free. These are protections, not insurance. Basically, they rely on Airbnb’s ability to get money back from the host to the guest in case of a substantial breach in what the guest was expecting (e.g. Air conditioning or a swimming pool were listed by the host but they are not actually available at the property).

The protections offered to guests through Airbnb’s Aircover are presented as unique and ground-breaking. Yet, they look like a nice repackaging of existing services that companies such as Booking.com have been offering for years (e.g., helping find a place for the guest should the host cancel). Now, better packaging protections, giving them a name (Aircover), and merchandising them well on the website (Aircover is mentioned high on every listing page) make up good product marketing work. If competitors have been doing the same but have done a bad job at saying so, travelers will indeed have the impression that what Airbnb is offering for free is new and superior in terms of booking protections.

On the guest side, Aircover is no insurance product. It is more the sum of a series of policies and procedures imposed on the host, especially the recently updated and much-contested rebooking and refunding policy.

Aircover is about guaranteeing that Airbnb will either find a new place or refund the guest (e.g., Check-In Guarantee: If a guest can’t check in to a place and the host isn’t able to resolve the issue, Airbnb will find the guest a similar or better home for the length of their original stay at Airbnb’s expense, or we’ll refund them.

To deliver on its promises to guests, Airbnb needed to set the equivalent expectations upon hosts . This is why the company had previously informed its hosts that it was updating its Rebooking and Refund Policy . For instance, it has made it plain and clear to hosts that they may have to refund guests should the host cancel a booking or the guest find that something crucial promised in the listing was actually missing from the property. You will notice that this is the exact mirror of the protections offered to guests, and it makes sense: The money refunded to guests through Aircover actually comes from hosts having to refund them according to the updated rebooking and refund policy.

Why did Airbnb make its travel insurance a paid product, while Aircover for guests and Aircover for hosts are free?

If Airbnb were to offer free travel insurance, it would also have to pay an insurance premium to a professional insurer . Given the volume of Airbnb bookings, it would represent a lot of money and would dent Airbnb’s profitability.

First, Airbnb would not need to cover all its guests, as some already have their travel insurance. Also, unless a reservation is non-refundable, a guest may have a chance to get their money back by canceling their booking or asking their host for some flexibility. Hosts may not like to hear it, but, in a way, flexible cancellation policies are a form of travel insurance for guests.

Second, Airbnb seems to see travel insurance as a money-maker. After all, Vrbo has been flogging insurance products to guests and owners for years, probably making a lot of money from its insurance provider Generali.

In August 2021, during a quarterly earnings call, a financial analyst asked Airbnb leaders whether the take rate, currently at 15% on average, would increase in the future. The answers were quite interesting.
First, Airbnb mentioned, “opportunities (such as) guest travel insurance”. So, the take rate could increase from commissions on travel insurance that Airbnb would sell to guests.

Another reason why it could be a paid product for guests is Hopper’s success at selling its “cancel any time” and “price freeze” guarantees. It shows that consumers are ok to pay for an added service. Airbnb’s shareholders may be happy to hear that the company is trying to increase its margins, as Hopper is doing. With the launch of Hopper Homes, the competition between the two companies is increasing.

What’s the impact of Airbnb’s travel insurance on existing host cancellation policies?

There is no impact on a host’s cancellation polic y. If a guest cancels, they forfeit whatever money was due under the cancellation policy they had signed up for. The host gets to keep the deposit.

What the travel insurance brings about is that the guest can ask the insurance company to refund the money that the host has kept for themselves (as per the existing cancellation policy).

So, Airbnb has found a way to enforce host policies, while allowing guests to lower their risk through travel insurance. According to the company, if travelers who buy a policy cancel their booking for a covered reason, they’ll be able to file a claim to seek reimbursement for up to 100% of their non-refunded Airbnb booking cost. This may reduce the possibility of guests asking Hosts for a refund outside the terms of their Hosts’ cancellation policies.

The challenges of offering an insurance product on a global basis

When Airbnb first revealed that its $1,000,000 Host Guarantee had gone global ten years ago, the industry wondered how Airbnb had pulled it off. How can they have created and launched such an insurance product globally? The answer was that the company could, as this was no insurance. This was a guarantee, built on processes and tools such as the Resolution Center . In some iffy cases, Airbnb was probably also ready to spend some money of its own the solve the issue. So, no need to care about local insurance regulations across 130+ countries. No insurance, just a guarantee.

It is somewhat easier to roll out a liability insurance program for hosts ( as Booking.com just did ), as the risk is a bit more standard and as insurance companies have some existing products that can be used. This is why Aircover for Hosts has a real liability insurance product, while, on the damage protection side, Airbnb is still relying on the Resolution Center.

The Airbnb Guest Travel Insurance has been in the works for almost two years!

On March 30, 2020, during an emergency live stream held with Airbnb hosts in the thick of the COVID crisis, B rian Chesky announced that the company was working on travel insurance ,
In 2021, Airbnb discreetly launched its Travel Insurance page and started recommending guests purchased a travel insurance product at the end of its booking process. Airbnb here was merely redirecting travelers to third-party websites, such as the travel insurance aggregator InsureMyTrip in the US and insurance company Europ Assistance (part of the Generali Group) in Europe,
In August 2021, during a quarterly earnings call, Airbnb mentioned working on opportunities such as “guest travel insurance”,
On January 2, Brian Chesky confirmed in a tweet that the company was working on guest travel insurance

Who are the insurance companies behind Airbnb’s travel insurance?

It is always hard to pull off global coverage, as insurance is really more like a series of national businesses due to local regulations . Airbnb had to create subsidiaries that deal with insurance on local or regional levels, such as Airbnb Insurance Agency LLC in the US and Airbnb UK Services Limited in the UK.

Two partners with Aon + Europ Assistance Group (and its U.S. subsidiary, Generali Global Assistance), to introduce travel insurance for guests. Both AO

For guests in the U.S., the travel insurance plan is offered by Airbnb Insurance Agency LLC , which is licensed as an insurance agency in all states of the U.S. and the District of Columbia, and underwritten by Generali US Branch of New York, N.Y.
For guests in the U.K., travel insurance is underwritten by Europ Assistanc e SA. Travel insurance is arranged by Airbnb UK Services Limited . Airbnb UK Services Limited is an appointed representative of Aon UK Limited
For guests in the EU, travel insurance is underwritten by Europ Assistance S.A., acting through its Irish Branch

Airbnb has been working on its guest travel insurance product for over two years and announced that it will be launching the product in Spring 2022. The COVID-19 pandemic has forced Airbnb to expedite the launch of this product. The company is launching its travel insurance as a paid product in 10 countries. More countries, at least within the European Union, should soon be covered.

Airbnb stacks this paid product on top of its free Aircover booking guarantees. This way, it wants to show that it is already offering a great level of protection but that money can buy guests something extra. It certainly does not hurt that insurance products have comfortable margins and that it is also a good move for Airbnb’s bottom line.

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Is Airbnb Travel Insurance Worth the Investment? Exploring the Pros and Cons

When planning a trip, whether for business or leisure, travel insurance is often a consideration. It provides a sense of security and peace of mind in case any unforeseen circumstances arise during your journey. One popular travel platform that offers its own insurance policy is Airbnb. In this article, we will explore whether Airbnb travel insurance is worth it and how it compares to other options.

What is Airbnb Travel Insurance?

Airbnb offers a program called “Host Protection Insurance” that covers hosts for liability claims up to $1 million USD. This insurance is designed to protect hosts against third-party claims for property damage or bodily injury that may occur during a stay. However, this coverage is specific to hosts and does not extend to guests.

Is Airbnb Travel Insurance Sufficient for Guests?

If you are a guest staying at an Airbnb property, the Host Protection Insurance may not provide sufficient coverage for your needs. While it protects hosts, guests may need their own insurance to safeguard against cancellation fees, lost baggage, medical emergencies, or trip interruptions. Therefore, it is important for guests to consider purchasing additional travel insurance.

What are the Benefits of Airbnb Travel Insurance?

Airbnb does offer a separate travel insurance policy called “Airbnb’s Guest Refund Policy.” This policy provides coverage for certain situations such as property misrepresentation, host cancellations, and travel disruptions caused by extenuating circumstances. Guests can file claims through this policy to receive refunds for their bookings.

However, it is important to note that Airbnb’s Guest Refund Policy is not a comprehensive travel insurance policy and may have limitations and exclusions.

Comparing Airbnb Travel Insurance to Other Options

When evaluating the worthiness of Airbnb travel insurance, it is essential to consider its coverage limitations and compare it to other available options. Traditional travel insurance providers offer more comprehensive coverage that includes benefits such as trip cancellation, emergency medical expenses, baggage loss, and personal liability. These policies can be tailored to meet individual needs and provide a higher level of protection.

For guests seeking extensive coverage, especially for expensive trips or longer stays, opting for a standalone travel insurance policy might be a more prudent choice.

While Airbnb’s Host Protection Insurance offers liability coverage for hosts, it does not provide the same level of protection for guests. Airbnb’s Guest Refund Policy can offer some reimbursement in specific situations, but it is not a substitute for comprehensive travel insurance. Guests should carefully evaluate their needs and consider purchasing additional travel insurance to ensure they are adequately covered.

In conclusion, when considering whether Airbnb travel insurance is worth it, guests should weigh the limitations of the coverage provided by Airbnb against their individual requirements, considering factors such as trip length, destination, and value of possessions. Exploring standalone travel insurance policies from reputable providers may offer more comprehensive protection and give peace of mind during your journey.

Is Airbnb Travel Insurance Worth the Investment? Expert Insights from a Financial Blog.

Airbnb Travel Insurance is worth considering as an investment for travelers seeking financial protection. As a financial blog , we provide expert insights on various topics, including insurance. Travel finance is an important aspect when planning trips, and having the right insurance coverage can save individuals from unexpected expenses.

Airbnb offers two types of insurance options for guests and hosts: Host Protection Insurance and Host Guarantee. Host Protection Insurance provides primary liability coverage for hosts in case of third-party claims for bodily injury or property damage. On the other hand, Host Guarantee provides coverage for damages to the host’s property caused by guests.

While Airbnb’s insurance options provide some level of protection, it’s essential to carefully review the terms and conditions. Additional coverage may be necessary depending on individual circumstances. Travelers should consider factors such as trip cancellation, emergency medical expenses, baggage loss, and trip interruption coverage.

By investing in additional travel insurance, travelers can gain peace of mind knowing they are protected against unforeseen events. Financially, insurance coverage can help minimize the financial burden of cancellations, medical emergencies, or lost belongings.

In summary, Airbnb Travel Insurance is worth considering as an investment for travelers. However, understanding the limitations and reviewing additional coverage options is crucial to ensure comprehensive protection.

What are the key factors to consider when evaluating the benefits and drawbacks of Airbnb’s travel insurance compared to traditional travel insurance providers?

When evaluating the benefits and drawbacks of Airbnb’s travel insurance compared to traditional travel insurance providers, there are several key factors to consider.

Coverage: One of the most important aspects to evaluate is the coverage provided by each option. Traditional travel insurance providers typically offer comprehensive coverage for a wide range of travel-related risks, including trip cancellations, medical emergencies, lost baggage, and more. On the other hand, Airbnb’s travel insurance may have limited coverage and might not provide the same level of protection.

Cost: Another factor to consider is the cost of the insurance. Traditional travel insurance providers may have higher premiums compared to Airbnb’s insurance, which is often offered at a lower price. However, it is essential to assess whether the lower cost justifies the potential limitations in coverage.

Flexibility: Traditional travel insurance providers generally offer flexible options, allowing travelers to customize their coverage based on their specific needs. In contrast, Airbnb’s travel insurance may have fixed terms and conditions, limiting the flexibility in tailoring the policy to individual requirements.

Claim Process: Evaluating the claim process is crucial to ensure a smooth experience during unexpected events. Traditional travel insurance providers often have well-established procedures and customer support that can assist travelers throughout the claims process. Airbnb’s travel insurance may have a different claim process, which could potentially be less streamlined or require additional steps.

Provider Reputation: Lastly, considering the reputation and reliability of the insurance provider is paramount. Traditional travel insurance providers often have established track records and are regulated by relevant authorities. Comparatively, Airbnb’s travel insurance is relatively new, and its reputation may still be developing.

In conclusion, when assessing the benefits and drawbacks of Airbnb’s travel insurance compared to traditional travel insurance providers, it is essential to consider factors such as coverage, cost, flexibility, claim process, and provider reputation. Each individual should carefully evaluate their specific travel needs and preferences to make an informed decision.

How does Airbnb’s travel insurance policy protect against financial risks and unforeseen circumstances, such as trip cancellations or medical emergencies, and is it comprehensive enough to provide peace of mind for travelers?

Airbnb’s travel insurance policy aims to provide protection for travelers against financial risks and unforeseen circumstances. It offers coverage for trip cancellations, interruptions, and delays caused by specific reasons listed in the policy, such as illness, injury, or severe weather conditions. The insurance also includes coverage for medical emergencies that occur during the trip.

To ensure peace of mind for travelers, Airbnb’s insurance policy is designed to be comprehensive enough to cover various situations that may disrupt or impact travel plans. However, it’s important for travelers to review the policy details and understand its coverage limitations and exclusions.

Travelers should note that Airbnb’s insurance policy is not a substitute for traditional travel insurance and may not provide the same level of coverage as a standalone travel insurance policy. Depending on specific needs and preferences, travelers may consider purchasing additional travel insurance to supplement Airbnb’s coverage and further protect themselves against potential financial risks and unforeseen circumstances.

Overall, while Airbnb’s travel insurance policy offers some protection against financial risks and unforeseen circumstances, it’s essential for travelers to evaluate their individual needs and consider obtaining additional coverage, if necessary, to ensure comprehensive protection and peace of mind during their travels.

Disclaimer: The information provided here is for general informational purposes only and should not be considered as professional financial advice. Always seek the advice of a qualified expert or conduct thorough research with official sources before making any financial decisions.

Discover financial empowerment on CJDFintech.com, your guide through the world of credit, loans, insurance, and investment with straightforward, expert advice.

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Is Travel Insurance Worth It in April 2024?

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Table of Contents

What does travel insurance cover?

What does travel insurance not cover, when is travel insurance not necessary, when is trip insurance worth it, where to buy travel insurance, how much does travel insurance cost, should you rely on credit card travel insurance instead, so, is travel insurance worth it.

Travel can be expensive. Insurance protects your nonrefundable vacation investment if the unexpected occurs. But is travel insurance worth it?

The answer will depend on whether your trip is refundable, where you're going, whether you'll have health coverage at your destination and how much coverage you already get from your credit card. Here are some key topics to understand when deciding if travel insurance is right for you.

Travel insurance (or trip insurance) covers a number of travel-related risks, from flight cancellations to lost bags to medical emergencies.

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

The dollar amount of your coverage depends on the policy you bought and where and when you bought it. Most travel insurance providers offer several different policies to choose from, with higher or lower levels of coverage and higher or lower prices to match.

» Learn more: What to know before buying travel insurance

You can buy policies that cover a single trip, multiple trips or a full year. You can buy an individual policy or one that covers your entire family. There are many companies that offer policies, with Allianz and Travel Guard among the best-known. Here is a chart showing the benefits and coverage levels available on some Allianz policies.

NerdWallet recently analyzed various travel insurance policies to help you choose the plan that best aligns with your travel goals. Check out our results here: Best Travel Insurance Companies Right Now .

» Learn more: Does travel insurance cover medical expenses?

Incidents not covered by your travel insurance vary by policy and provider.

Pre-existing medical conditions are often excluded from coverage, meaning your benefits don't apply to claims related to that condition. Some policies cover pre-existing medical conditions if you meet certain criteria, for example if you purchased the policy within 14 days of paying for your trip and if you were well enough to travel when you booked your trip.

» Learn more: The best travel credit cards might surprise you

Plan on mountain-climbing or engaging in other dangerous activities on your trip? Many policies won't cover you if something goes wrong unless you buy a policy that specifically includes adventure sports. World Nomads travel insurance , for example, offers the Explorer plan, which includes coverage for cave diving, cliff jumping, heli-skiing and many other activities that are considered risky.

Other incidents excluded from a trip insurance policy may involve war, acts of terrorism and the use of alcohol, which can cause your injuries to be designated as "self-inflicted," or the use of drugs, which may be illegal.

If you want full flexibility to cancel your trip you'll need to find a policy that allows you to purchase a Cancel For Any Reason (CFAR) add-on. This additional benefit does exactly what the name implies and allows you to cancel your trip for any reason. Typically, you'll get around 75% of your prepaid nonrefundable trip expenses back, although exact timing and percentages vary by policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

Travel insurance primarily covers two aspects of your trip — your nonrefundable reservations and your medical expenses while traveling.

If all of your reservations can be canceled without penalty, then trip cancellation or trip interruption coverage isn't necessary. But even if your trip isn't 100% refundable, insurance may not be necessary. For example, a cheap flight and hotel stay may not be worth covering, though you may still want to purchase travel insurance for medical situations.

Medical coverage typically is not necessary if you have a U.S.-based health insurance policy and you're traveling within the U.S. In those cases, you probably already have adequate coverage for illness or injury.

There are a few reasons that travel insurance can be worthwhile: to protect your nonrefundable trip costs, your luggage or your health.

When should you get trip cancellation and/or trip interruption insurance?

If you would lose the money you paid for your flights, accommodations, rental car, or activities if you had to cancel or go home early, travel insurance that specifically includes trip cancellation and trip interruption is probably a good idea. If your trip is canceled or interrupted for a covered reason, this protection will cover your reservations.

For example, if you're planning to travel to a destination that could have weather-related issues, like hurricanes in the Caribbean, travel insurance may protect your noncancelable reservations. Some policies also provide emergency evacuation to escape dangerous situations. However, if you try to purchase travel insurance after the storm poses a risk, the insurance probably will not protect you.

When should you get baggage delay and/or lost luggage coverage?

Imagine if you go on a one week trip and your checked baggage is lost or delayed. While you’re waiting to get your luggage, baggage delay insurance will reimburse you for any essentials (i.e. toiletries, medicine, socks, clothing, etc.) that you may need to purchase because you don’t have your own things.

But what if the worst case scenario happens and your bag is just lost or stolen? Lost luggage insurance will reimburse you for your misplaced bag, up to a specified dollar amount.

If you’re only traveling with a carry-on, you don’t need these two types of coverage.

When should you purchase travel medical insurance?

U.S.-based health insurance policies generally offer coverage anywhere within the U.S. But if you get sick or hurt when you travel internationally, some policies like Medicare may not cover you.

Even if your health insurance covers you outside the country, doctors at your destination may not accept it. Without travel insurance, you could be stuck paying for these bills out of pocket, then seeking reimbursement from your healthcare provider.

When should you purchase CFAR?

Most travel insurance policies won’t help you get your expenses if you cancel for a “non-covered” reason, like when your plans change or you simply don’t want to go anymore. That’s when it might be good to purchase CFAR.

If you’ve booked a trip but think that you may need to cancel for a reason that’s not covered by trip cancellation, the CFAR add-on will allow you to get up to 50-75% of your nonrefundable trip costs back as long as you cancel at least 2 - 3 days before the trip starts. The add-on must also be purchased within a specific time of the initial trip deposit (usually 14 - 21 days).

What can be an example of a cancellation that’s reimbursable under CFAR? Let’s say you book a trip with your significant other but you break up a week before the trip and don’t want to go alone. Or you book a trip really far in advance but when the date nears, you realize that you don’t want to go anymore. CFAR will be helpful for you in these instances.

When should you purchase travel insurance even though you already have a credit card that provides it?

If you already have some travel insurance protections (e.g., trip cancellation, trip interruption, baggage delay) from your credit card, but you feel that the limits are insufficient, consider purchasing a comprehensive travel insurance plan or a standalone travel medical insurance policy to protect you in case of medical emergencies on your trip.

» Learn more: The majority of Americans plan to travel this year, according to recent NerdWallet study

If you booked your trip through a travel agent, you can likely purchase coverage through them. That includes online travel booking engines like Expedia. If you're taking a cruise , you're usually offered the chance to purchase coverage during the booking process. Similarly, airlines may offer you certain types of coverage when you book a flight through their website. If you have an award booking , you have travel insurance options too.

Another option: Purchase travel insurance directly through the website of a travel insurance company, like Allianz , AXA or Travel Guard .

» Learn more: Airline travel insurance versus independent travel insurance: Which is right for you?

The cost of travel insurance is based on the specifics of your trip. The best way to get a price is to request a quote through the websites of travel insurance providers. Or you can compare multiple insurers in one place with a consolidator like InsureMyTrip.com or SquareMouth .

Many travel credit cards provide certain types of coverage in case your flight is delayed or canceled, your rental car is damaged, or your luggage is lost or delayed.

Here are a few credit cards offering travel protections that could serve as an alternative to travel insurance. But even with these cards, the benefits have a lot of fine print.

on Chase's website

on American Express' website

Chase Ink Business Preferred Credit Card

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

These are attractive benefits, but the coverage may not be as broad as you would get buying insurance. For example, AmEx cards only cover round-trip travel, so if you don’t have a return flight booked yet, you might want to consider additional coverage.

Secondly, only the Chase Sapphire Reserve® provides emergency medical and dental coverage. The other cards don’t.

Plus, these cards can come with steep annual fees that may be more than you would pay for a travel insurance policy. So don't sign up for a card just to cover one trip unless you've compared costs.

» Learn more: The best credit cards for travel insurance benefits

If you've paid a considerable sum for a nonrefundable vacation, travel insurance is likely a good idea. International travelers who need coverage in case they get sick or injured should also consider buying a policy. If troubles arise, you'll be glad that you're protected.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Travel insurance through Europ Assistance

As of September 2022, guests who live in the United Kingdom, Germany, Spain, Italy, Ireland, Netherlands, Austria, and Portugal can purchase travel insurance on the checkout page.

The travel insurance policies are offered by Generali's Europ Assistance Group, trading under the Europ Assistance name in the EU and UK.

Don’t live in the UK or the EU countries listed? Travel Insurance is also available to residents of the United States and residents of certain Canadian provinces . Reservation insurance is available to residents of France. And guests everywhere can purchase travel insurance outside of Airbnb, directly through a travel insurance company’s website or by shopping around on a comparison site.

For UK residents

Adding insurance while booking.

You’ll be given the option to add travel insurance on the checkout page when making your Airbnb booking. Before you do, be sure to review the details of the insurance policy being offered and what’s covered to make sure it’s right for you.

Shortly after your reservation is confirmed, you’ll get an email confirming your insurance purchase and providing a copy of your insurance policy. That email will also include a link to your policy details page, which is where you can cancel your policy, start a claim, and more.

Making changes to your reservation

Your travel insurance policy will be automatically updated if the dates of your reservation or guest count change and there is no claim on the existing policy. If the change impacts the total price of your reservation, you’ll be charged or refunded an adjusted amount for your travel insurance.

What the policy covers

The Europ Assistance travel insurance policy includes:

Travel cancellation : Get reimbursed for up to 100% of your non-refunded Airbnb reservation cost if you cancel for a covered reason, such as: serious illness or injury, a flight delay due to mechanical breakdown, or a natural disaster at your home or destination.
Delayed departure : Get reimbursed for certain additional expenses you incur because your trip is delayed for 12 hours or more for a covered reason. Covered reasons include a storm, fire, or flood at the departure point; mechanical breakdown of your vehicle; and loss of travel documents or money.
Medical assistanc e: Get reimbursed for medical expenses you incur while traveling abroad, such as: hospitalisation costs, medication prescribed by a doctor, or ambulance journeys ordered by a doctor.
Luggage : Get reimbursed if your luggage is lost definitively or damaged by your carrier.

What’s not covered

Pre-existing medical conditions : If you’re traveling with medical conditions, you may need additional or alternative coverage. For information, contact the Money and Pensions Service by calling +44 (0) 80 0138 7777 or searching their medical cover firm directory .
Certain travel costs : You can’t get reimbursed for the cost of planned transport (including flights, trains, and ferries) to and from your Airbnb listing if you need to cancel your reservation before you depart on your trip.

Is COVID-19 covered?

Although pandemics aren’t covered by travel insurance, COVID-19 is covered in some situations because it’s considered to be a serious illness. Unexpected illness is a covered reason under the travel cancellation, medical assistance, and travel curtailment benefits. You’re not covered for travel disruptions caused by COVID-19, like border closures and quarantine mandates.

Please note that if you file a claim due to COVID-19, you’ll be asked to provide documentation showing that you, a family member (for example, your child), or someone staying with you at the Airbnb accommodation tested positive while under the virtual or in-person supervision of a qualified medical professional.

Who’s covered

Every policy covers the guest who purchased it and the people who are staying with them at the Airbnb accommodation. These people don’t have to be added to the Airbnb reservation or named on the policy in order to be covered, and there are no age restrictions.

Canceling your policy

UK residents can cancel their policy within 14 days of purchase for a full premium refund. Please note that you can’t cancel your policy after you’ve departed on your trip or started a claim, even if you’re within the 14-day cooling-off period.

To cancel your policy, just go to your coverage overview page and select Cancel policy .

Starting a claim

Claims are handled by Europ Assistance from start to finish. You can start a claim by going to your coverage overview page and selecting Start a claim or by contacting Europ Assistance directly.

How to get help

If you have questions about your policy, need help with a claim, or want travel assistance contact Europ Assistance by calling +44 (0) 203 7888 656 or emailing [email protected] .

For UK residents, travel insurance is underwritten by Europ Assistance S.A. UK Branch.

Europ Assistance S.A. is supervised by the French Supervisory authority (ACPR), 4, place de Budapest, CS92459 - 75436 Paris Cedex 09, France. Europ Assistance S.A. UK Branch is authorized by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available on request.

For UK residents, this travel insurance is arranged by Airbnb UK Services Limited. Airbnb UK Services Limited is an appointed representative of Aon UK Limited, who is authorised and regulated by the Financial Conduct Authority. Aon UK Limited’s FCA register number is 310451, you can check this by visiting the Financial Services Register | FCA or calling 0800 111 6768. Travel Insurance is available to guests aged 18 and over. Full terms and conditions apply. FP.AFF.343.LC

For EU residents

Medical assistance : Get reimbursed for medical expenses you incur while traveling abroad, such as: hospitalisation costs, medication prescribed by a doctor, or ambulance journeys ordered by a doctor.

Although pandemics aren’t covered by travel insurance, COVID-19 is covered in some situations because it’s considered to be a serious illness. Unexpected illness is a covered reason under the travel cancellation, medical assistance, and travel curtailment benefits.You’re not covered for travel disruptions caused by COVID-19, like border closures and quarantine mandates.

EU residents (excluding France) can cancel their policy within 14 days of purchase for a full premium refund. Please note that you can’t cancel your policy after you’ve departed on your trip or started a claim, even if you’re within the 14-day grace period.

To cancel your policy, just go to your coverage overview page and select Cancel policy .

If you have questions about your policy, need help with a claim, or want travel assistance:

Austria residents: Contact Europ Assistance by calling +43 120 609 2205 or emailing [email protected] .
Germany residents: Contact Europ Assistance by calling +49 302 238 4619 or emailing [email protected] .
Ireland residents: Contact Europ Assistance by calling +353 15 41 07 39 or emailing [email protected] .
Italy residents: Contact Europ Assistance by calling +39 02 23 33 14 35 or emailing [email protected] .
Netherlands residents: Contact Europ Assistance by calling +31 207003745 or emailing [email protected] . For travel assistance, call +32 2 541 9011.
Portugal residents: Contact Europ Assistance by calling +34 915 368 419 or emailing [email protected] .
Spain residents: Contact Europ Assistance by calling +34 915 143 721 or emailing [email protected] .

For EU residents, travel insurance is underwritten by Europ Assistance SA acting through its Irish branch and offered by the insurance intermediary Aon Iberia Correduria de Seguros y Reaseguros S.A.U. with Airbnb Marketing Services S.L.U. acting as an external collaborator. Europ Assistance SA is supervised by the Autorité de contrôle prudentiel et de résolution (ACPR) in France, and its Irish branch is regulated by the Central Bank of Ireland for conduct of business rules. Full terms and conditions apply.

Aircover for guests and travel or reservation insurance, reservation insurance for eu residents, aircover for guests.

FinanceBuzz

8 Reasons It’s Worth It To Buy Travel Insurance (And 6 Times To Skip It)

Posted: July 12, 2023 | Last updated: April 7, 2024

<p> Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home. </p> <p> Travel insurance can help you <a href="https://financebuzz.com/seniors-throw-money-away-tp?utm_source=msn&utm_medium=feed&synd_slide=1&synd_postid=12377&synd_backlink_title=avoid+wasting+money&synd_backlink_position=1&synd_slug=seniors-throw-money-away-tp">avoid wasting money</a> if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons. </p> <p> However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.</p><p> <a href="https://financebuzz.com/top-travel-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=1&synd_postid=12377&synd_backlink_title=Compare+the+best+travel+credit+cards+for+nearly+free+travel&synd_backlink_position=2&synd_slug=top-travel-credit-cards">Compare the best travel credit cards for nearly free travel</a> </p>

Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home.

Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons.

However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.

Compare the best travel credit cards for nearly free travel

Safety net for international travel

The number one reason people buy travel insurance is to cover an expensive trip. And if you’re traveling overseas, chances are your travels will cost a lot of money.

In addition, there are potential complications when it comes to international travel, from losing luggage during connecting flights, missed or canceled flights, sickness, and more.

And if something catastrophic happens in a foreign country, travel insurance provides evacuation so you can get home safely.

Want to learn how to build wealth like the 1%? Sign up for Worthy to get ideas and advice delivered to your inbox.

Medical coverage

Getting sick or injured is unpleasant enough when you’re in the comfort of your home, but it’s a new beast entirely when you’re abroad.

Generally, you can expect basic medical expenses to be covered through your travel plan, often including dental. Medicare will not cover medical expenses in a foreign country. If you’re traveling overseas, travel insurance for potential medical costs is worthwhile.

<p> Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers. </p> <p> Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move. </p> <p> Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.</p><p> <p><a href="https://financebuzz.com/southwest-booking-secrets-55mp?utm_source=msn&utm_medium=feed&synd_slide=4&synd_postid=12377&synd_backlink_title=7+Nearly+Secret+Things+to+Do+If+You+Fly+Southwest&synd_backlink_position=4&synd_slug=southwest-booking-secrets-55mp">7 Nearly Secret Things to Do If You Fly Southwest</a></p> </p>

Cover rental car mishaps

Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers.

Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move.

Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.

7 Nearly Secret Things to Do If You Fly Southwest

<p> Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue. </p> <p> Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications. </p>

Pre-existing conditions often aren’t covered

Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue.

Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications.

<p> A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process. </p> <p> Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage. </p>

Protect lost luggage

A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process.

Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage.

<p>You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear. </p> <p> You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel. </p> <p> Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.</p><p> <p class=""><a href="https://financebuzz.com/top-no-interest-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=7&synd_postid=12377&synd_backlink_title=Pay+no+interest+until+nearly+2025+with+these+credit+cards&synd_backlink_position=5&synd_slug=top-no-interest-credit-cards">Pay no interest until nearly 2025 with these credit cards</a></p> </p>

Cover valuable items and gear

You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear.

You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel.

Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.

Pay no interest until nearly 2025 with these credit cards

<p> While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans. </p> <p> If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees. </p>

Emergencies happen

While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans.

If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees.

Natural disaster coverage

Are you planning a fall trip to the Gulf Coast or Florida? Consider your travel destination and the time of year you're going.

If you’re visiting someplace prone to natural disasters, especially seasonal occurrences like tornadoes, hurricanes, wildfires, and such, travel insurance can help you recoup your money should these events interrupt your travel plans.

Similarly, if a natural disaster occurs during your trip, often, insurance will pay to move you to a more secure location.

<p>Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits. </p> <p> Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.</p><p> <p class=""><a href="https://financebuzz.com/top-cash-back-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=10&synd_postid=12377&synd_backlink_title=Earn+up+to+5%25+cash+back+when+you+shop+with+these+leading+credit+cards&synd_backlink_position=6&synd_slug=top-cash-back-credit-cards">Earn up to 5% cash back when you shop with these leading credit cards</a></p> </p>

Extreme adventures may not be covered

Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits.

Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.

Earn up to 5% cash back when you shop with these leading credit cards

Shaky travel companies

If you booked your trip through a travel company and it goes bankrupt, travel insurance may provide a safety net to ensure you get your money back.

Airlines, cruise ships, travel companies, and other travel-related businesses suffered during the pandemic, and many may not be on solid financial ground yet.

This may not be covered in a basic insurance plan, so make sure your agent adds financial default coverage if you are concerned about the health of your travel provider.

In the situation any company or organization closes or is otherwise inoperable during your trip, you’ll be covered.

Now let’s look at times you may not need travel insurance.

<p> Before purchasing travel insurance, consider which credit card you have. Many of the <a href="https://financebuzz.com/top-travel-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=12&synd_postid=12377&synd_backlink_title=top+credit+cards&synd_backlink_position=7&synd_slug=top-travel-credit-cards">top credit cards</a> offer travel protections. </p> <p> Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation. </p> <p> Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option. </p>

Your credit card offers travel protections

Before purchasing travel insurance, consider which credit card you have. Many of the top credit cards offer travel protections.

Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation.

Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option.

<p> If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide. </p> <p> Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it. </p> <p> One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.</p><p> <p class=""><a href="https://financebuzz.com/top-signs-of-financial-fitness?utm_source=msn&utm_medium=feed&synd_slide=13&synd_postid=12377&synd_backlink_title=5+Signs+You%E2%80%99re+Doing+Better+Financially+Than+the+Average+American&synd_backlink_position=8&synd_slug=top-signs-of-financial-fitness-2">5 Signs You’re Doing Better Financially Than the Average American</a></p> </p>

You have a domestic trip

If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide.

Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it.

One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.

5 Signs You’re Doing Better Financially Than the Average American

<p> Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive. </p> <p> In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on. </p><p>Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back. </p>

Don’t add expense to cheap trips

Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive.

In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on.

Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back.

<p> If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now. </p> <p> Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance. </p>

The airline has a flexible rebooking policy

If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now.

Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance.

<p> One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs. </p> <p> Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations. </p> <p> Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.</p><p> <p class=""><a href="https://financebuzz.com/recession-coming-55mp?utm_source=msn&utm_medium=feed&synd_slide=16&synd_postid=12377&synd_backlink_title=9+Things+You+Must+Do+Before+The+Next+Recession&synd_backlink_position=9&synd_slug=recession-coming-55mp">9 Things You Must Do Before The Next Recession</a></p> </p>

Insurance will not cover political unrest

One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs.

Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations.

Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.

9 Things You Must Do Before The Next Recession

<p> Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable. </p> <p> If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise. </p> <p> Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival. </p>

Your hotel may cover cancellations

Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable.

If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise.

Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival.

$ Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money. Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to <a href="https://financebuzz.com/ways-to-make-extra-money?utm_source=msn&utm_medium=feed&synd_slide=18&synd_postid=12377&synd_backlink_title=make+extra+cash&synd_backlink_position=10&synd_slug=ways-to-make-extra-money">make extra cash</a> for travel funds. More from FinanceBuzz: <ul> <li><a href="https://www.financebuzz.com/supplement-income-55mp?utm_source=msn&utm_medium=feed&synd_slide=18&synd_postid=12377&synd_backlink_title=7+things+to+do+if+you%E2%80%99re+barely+scraping+by+financially.&synd_backlink_position=11&synd_slug=supplement-income-55mp">7 things to do if you’re barely scraping by financially.</a></li> <li><a href="https://financebuzz.com/ways-to-make-extra-money?utm_source=msn&utm_medium=feed&synd_slide=18&synd_postid=12377&synd_backlink_title=12+legit+ways+to+earn+extra+cash.&synd_backlink_position=12&synd_slug=ways-to-make-extra-money">12 legit ways to earn extra cash.</a></li> <li><a href="https://r.financebuzz.com/aff_c?source=%2Fshould-you-buy-travel-insurance&offer_id=16866&aff_id=1006&aff_sub=msn&aff_sub2=&aff_sub3=&aff_sub4=feed&aff_sub5={impressionid}&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/should-you-buy-travel-insurance&contentblockid=984&contentblockversionid=16460&ml_sort_id=&sorted_item_id=&widget_type=&cms_offer_id=637&keywords=&synd_slide=18&synd_postid=12377&synd_backlink_title=Can+you+retire+early%3F+Take+this+quiz+and+find+out.&synd_backlink_position=13" rel="nofollow">Can you retire early? Take this quiz and find out.</a></li> <li><a href="https://financebuzz.com/extra-newsletter-signup-testimonials-synd?utm_source=msn&utm_medium=feed&synd_slide=18&synd_postid=12377&synd_backlink_title=9+simple+ways+to+make+up+to+an+extra+%24200%2Fday&synd_backlink_position=14&synd_slug=extra-newsletter-signup-testimonials-synd">9 simple ways to make up to an extra $200/day</a></li> </ul> $

Bottom line

Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money.

Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to make extra cash for travel funds.

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Airbnb Guest Claims Host Forced Her Out for Being a ‘Hot Girl’

A former Miss Black Vermont is now suing her Airbnb hosts, alleging she was essentially shown the door because of her “attractiveness.”

Justin Rohrlich

Photo Illustration by Luis G. Rendon/The Daily Beast/Getty Images/Courtesy of Keren Sita

An Airbnb guest alleges her “attractiveness” became too much to bear for her spiteful host, whom she claims essentially pushed her out the door over fears her publishing-exec-cum-alpaca-farmer husband would fall for her during her stay.

In an eye-popping federal lawsuit obtained by The Daily Beast , 23-year-old Keren Sita, an aspiring law student who was crowned 2017’s Miss Black Vermont , says Marcia Meinerth, 77, couldn’t handle having a “young hot Black girl” in the house, and made things increasingly miserable for her until she finally packed up and went elsewhere.

“The intensifying animosity” was solely “based on superficial attributes,” according to Sita’s complaint. Meinerth “appeared to project her frustrations and insecurities onto me… leading to tensions in our interactions,” the complaint states. “She treated me like I was going to steal her unattractive and old husband.”

Sita, who is representing herself in court, is demanding at least $700,000 for, among other things, discrimination and intentional infliction of emotional distress.

“From the very beginning, I could tell my beauty was a threat to her,” Sita told The Daily Beast on Monday. “... I’m a paralegal, but my dream is to be an attorney. My goal is to do bias discrimination. This case is about how the more beautiful you are, the more discriminated against you are. I think she was just surprised at how beautiful I was as a Black woman.”

Sita said that another guest staying in the same house at the time was not harassed at all.

“My whole life mission is to show that ‘pretty discrimination’ does exist—I’m trying to coin that term,” Sita explained. “When you are beautiful, when you are attractive, people treat you differently.”

In an email, Barry Meinerth declined to comment beyond saying that Sita’s lawsuit was previously dismissed in state court , after which Sita later refiled in federal court.

“Sita files 12 lawsuits a year, all frivolous,” Meinerth said. (Sita has filed numerous past lawsuits for, among other things, defamation over a Facebook post , an employment discrimination claim against the Five Guys burger chain , and a landlord-tenant dispute with a Vermont Econolodge . Most, if not all, have been dismissed.)

Airbnb did not respond to a request for comment on Monday.

The surreal situation can be traced back to January 15, 2021, when Sita booked a bedroom for a month-long stay in Marcia and Barry Meinerth’s Pawlet, Vermont, home, according to the complaint. Marcia was an Airbnb “superhost,” which Sita says gave her a modicum of comfort.

“I rented the space to find solace for drafting my law school personal statement, planning for LSAT exams, and coping with the loss of a dear friend,” the complaint states.

Sita rented the “Enjoy Life” bedroom, which the complaint says was advertised by the Meinerths as “ideal for solo travelers,” according to her complaint. It says she was sold on the “unique ‘rain shower’ bath,” noting that it appealed to her “for stress relief.” But when Sita arrived, Marcia informed her that she was moving her to a different room, with an en suite shower.

“When I inquired about the room change, Defendant MM expressed concerns about me traversing the property in a bathrobe or towel in front of her husband and other guests,” the complaint states, adding that “it was clear” that Marcia was nervous that “her husband would become sexually attracted to [me] because I was a young hot Black girl.”

Sita says she adheres to a “rigorous workout routine,” which she begins daily at 5 a.m. So as not to disturb the guest in the room below hers, Sita conducted her exercise sessions in the home’s first-floor sitting area, according to the complaint.

However, the complaint goes on, 77-year-old Barry Meinerth, a onetime company commander in the U.S. Army , “would frequently appear nearby” during her early-morning workouts, “observing me for extended periods.”

“Defendant BM’s behavior of closely monitoring my workouts raised concerns regarding boundaries and I began feeling unsafe because I could tell he was become [sic] sexual [sic] aroused while watching me workout [sic],” the complaint continues. “And as a twenty three year old girl I was not comfortable with a 60 plus old [sic] married man waking up early just to watch me work [sic].”

Barry’s “consistent monitoring” appeared to “detract from his responsibilities,” according to Sita, who claims he spent his time watching her instead of being outside, feeding and tending to his alpacas.

When Marcia saw that her husband was not with the herd, Sita says in the complaint that she would “began [sic] running around the [sic] looking for him only to find him in the laundry spying on me working out in my tight workout gear.”

“She would then begin yelling and bickering at him when she would catch him,” the complaint continues. “He [sic] actions and reactions during these incidents hinted at underlying tensions within their household dynamic.”

She also says her host complained about her hot water usage while showering, while other guests were allowed to use as much as they liked, that she was no longer provided clean bed linens, and that she was barred from using the kitchen to store and cook her own food. Marcia began to publicly humiliate and belittle Sita due to her “profound jealousy and animosity,” and questioned her intelligence, the complaint alleges.

Sita alleges Marcia entered her room when she was not there, snooped through her belongings, tampered with the organic food she bought, and “had a habit of adding water to [her] orange juice.” She further claims her room was purposely kept freezing cold during the frigid Vermont winter, as payback.

“[I]t is evident that Defendants MM and BM developed arguments due to the Plaintiffs presence and attractiveness,” according to the complaint. “Defendant MM was taking every measure to force the Plaintiff to leave the property, to the extent that it was impacting the Plaintiffs schooling.”

By this point, Sita says in her complaint that she had had enough, writing, “Having exhausted all other options, the Plaintiff was left with no choice bu [sic] to find a new place to stay in the interim.”

She then discovered Marcia had left her a negative review on the Airbnb website, allegedly writing, “It is, and has been, from the start of my Airbnb hosting experience, my absolute pleasure to write a review for the appreciative guests who graced my home, received a personal welcome and found solace here. I cannot say the same for this experience. I am very relieved that the reservation, with the professional assistance of Airbnb, was able to be ended earlier than scheduled. Whew! It’s over. Now I look forward to greeting my next guests and continuing with the convivial atmosphere at High View.”

According to Sita, the review was a “gross misrepresentation of the truth, falsely painting the Plaintiff as the problematic guest.” She contends this has subsequently damaged her “reputation and livelihood.”

For its part, according to Sita, Airbnb “failed to take the necessary steps to rectify the situation, despite the Plaintiffs reservation being backed by Airbnb Aircover, the company's comprehensive insurance policy.” She said she requested a refund but never got a dime.

“When I realized Airbnb wasn’t taking this seriously, I decided to file this lawsuit,” Sita told The Daily Beast.

Sita claims she was discriminated against, as “a young, Black, unmarried, Congolese American woman,” for which she is demanding $100,000; that Airbnb and the Meinerths breached their “warranty of habitability,” for which Sita is demanding $200,000; that she was libeled and defamed by Marcia’s bad review, for which she believes she deserves $100,000; intentional infliction of emotional distress, for which she wants $200,000; and invasion of privacy, which Sita claims is worth at least $100,000.

“I don’t know this woman, I never met her in my life [before this],” Sita said. “There were other Black girls who stayed there, but [being a] ‘hot Black girl’ is a totally different situation.”

The Meinerths have not yet filed a formal response to the allegations.

Got a tip? Send it to The Daily Beast here .

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Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

Travel insurance can provide financial protection if things go wrong before or during a trip.
You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

Earn 75,000 bonus miles

Redeem your miles for flights, vacation rentals and more. Terms apply.

What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

All about booking with Capital One Travel

article | 7 min read

Are travel credit cards worth it?

article | January 9, 2024 | 7 min read

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Chase Sapphire Preferred Card

Chase Sapphire Preferred Card Travel Insurance – 10 Frequently Asked Questions [2024]

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Chase Sapphire Preferred Card Travel Insurance – 10 Frequently Asked Questions [2024]

Chase Sapphire Preferred Card Overview

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The Chase Sapphire Preferred ® Card remains one of the most popular travel rewards credit cards for numerous reasons. Alongside excellent earning rates and a fair amount of benefits that justify the $95 annual fee, the card also offers numerous shopping and travel insurance benefits.

If you’re like most people, you hear the word “insurance,” and your eyelids start feeling heavy. Let’s be honest: Insurance isn’t thrilling. The terminology can feel confusing, leaving you with many questions about what exactly the travel insurance on your Chase Sapphire Preferred card does and doesn’t cover.

You have questions, and we have answers. Here’s a simple look at your most common questions about travel insurance on the Chase Sapphire Preferred card.

Chase Sapphire Preferred ® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

The Chase Sapphire Preferred ® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance . With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

5x points on all travel booked via the Chase Travel portal
5x points on select Peloton purchases over $150 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Travel portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Member FDIC

Financial Snapshot

APR: 21.49%-28.49% Variable
Foreign Transaction Fees: None

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Before moving any further, let’s ensure you’re familiar with the long list of travel protections built into the Chase Sapphire Preferred card :

Auto rental collision damage waiver
Baggage delay insurance
Lost luggage reimbursement
Travel accident insurance
Trip cancellation and trip interruption insurance
Trip delay reimbursement

You’ll also enjoy several other cardholder benefits and protections beyond travel insurance :

Extended warranty protection
No foreign transaction fees
Purchase protection
Roadside dispatch
Travel and emergency assistance

Some of the benefits seem more obvious than others. And, as with all insurance, there are always specific terms to understand, exclusions to mind, and coverage limits . Let’s clear some of those up.

1. What Flight Insurance Does the Chase Sapphire Preferred Card Have?

When flying, you’ll have 2 types of insurance: travel accident insurance and trip cancellation and interruption insurance. Both types are in effect for trips for which you paid at least a portion of the cost with your Chase Sapphire Preferred card. Let’s look at each benefit.

Travel accident insurance applies to you and your immediate family members if one of you becomes permanently injured or dies while traveling. The cardholder benefit guide lists specific dollar amounts that you can be paid for specific injury types. The coverage is further divided into 2 categories: traveling on a common carrier and 24-hour coverage .

Coverage related to a common carrier covers both injuries and death resulting from your travel on a licensed air, land, or sea transport that regularly carries paying passengers . Think planes and ferries, for example. You’ll also be covered while at an airport, terminal, or station immediately before or after a trip, including courtesy transport to or from these places if provided as part of your trip. If your flight booking includes the airline picking you up from the hotel, this could be covered if all other conditions are met.

The 24-hour coverage applies around the clock and is valid on trips of up to 30 days. If you take a trip longer than this, coverage will end 1 minute after midnight on the 31st day, though it would come back into effect when you are in transportation to the airport for your flight home. If you drive yourself to the airport, coverage should resume once you are inside the airport .

This benefit reimburses you for the money you lose when a trip paid for (in whole or part) with your card is interrupted or canceled. Trip interruption is when you’ve started the trip and must end it early for a covered reason; trip cancellation applies to canceling a trip before it begins. The maximum benefit payout here is $10,000 per person and up to $20,000 per trip. Both the cardholder and immediate family members are covered.

Trip cancellation coverage begins when you make your first deposit toward the trip and ends when you depart on your scheduled departure date. Trip interruption starts on your scheduled departure date and ends on your scheduled return date. However, if these dates or times are adjusted for reasons beyond your or the carrier’s control, the benefit will adjust automatically .

What expenses are reimbursable? They include nonrefundable, prepaid travel expenses by a licensed supplier, such as a travel agency, hotel, shore excursion agency, etc. When canceling for a covered reason, you’re also covered for redeposit fees to get your airline miles back. Unfortunately, this benefit doesn’t cover lost money you paid for tickets to shows or theme parks, tee times at golf courses, museums, or other entrance fees unless they’re part of a tour package.

You’ll be covered for a few more situations with trip interruption coverage only . These include fees for returning a rental car early or to the nearest facility and up to $250 of expenses to transport you for necessary medical treatment. However, that doesn’t include medical transport (such as ambulances or medevac).

What if you paid with Chase Ultimate Rewards points and are due a refund under these benefits? You’ll be reimbursed according to the value on your travel supplier’s confirmation receipt, assuming that’s listed. If there’s no trip value listed on the receipt after you paid with points, you’ll be reimbursed at a value of 1 cent per point.

Covered Reasons

Not every reason for canceling a trip or ending it early is covered under these benefits. Covered reasons include accidental death or injury, a sickness requiring hospitalization, severe weather, a named storm warning, a change in military orders, a subpoena or call to jury duty, your home being burglarized or becoming uninhabitable, your hotel becoming uninhabitable, a public transportation strike that makes you miss 20% of a trip or a scheduled tour departure, and more. Consult the Chase Sapphire Preferred card benefits guide to see if your specific cancellation or interruption reason is covered.

Trip cancellation insurance doesn’t cover everything. For example, changing your mind about a trip is not covered. If your plans are subject to change, you may want to purchase Cancel for Any Reason (CFAR) travel insurance .

This part is a bit confusing, but yes. Chase’s benefits guide for the Chase Sapphire Preferred card states explicitly that cruise lines aren’t included in the definition of a “common carrier.” However, cruise lines are included in the definition of a “travel supplier.”

Why does this matter? Many of the trip cancellation and trip interruption benefits only apply to travel with a common carrier, which doesn’t include cruise lines. However, some benefits do apply to cruises . These include stolen luggage benefits or even canceling a trip if delays mean you’ll miss at least 20% of the trip or that you’ll miss the departure of your cruise ship.

The travel accident and injury benefits also apply while you’re cruising, but it’s worth noting that returning late to your cruise ship, only to find it’s left for the next island without you, isn’t a covered expense. You’ll be on your own for the costs of catching up to your ship.

There are 2 types of baggage protection here: coverage for delayed bags and coverage for lost, stolen, or damaged luggage. Baggage delay insurance covers up to $100 per day for up to 5 days when your bags are delayed by at least 6 hours, covering each additional 24 hours past that until the maximum of 5 days is reached. This benefit applies to you and your immediate family members when you pay for at least part of your trip with your Chase Sapphire Preferred card. You don’t need to be traveling with your immediate family members for them to be covered , as long as at least part of their trip was paid for with your card, which can be a nice perk if you book travel for relatives.

Coverage begins on the scheduled departure date and ends on the scheduled return date, though coverage adjusts automatically if there are changes outside your or the travel provider’s control. There’s also a list of non-covered items, such as medical devices, losses due to war/conflict, electronics, and cash equivalents. In case of baggage delay, you must report it to the travel provid er as soon as possible and keep receipts for necessary expenses you incur ; you’ll submit these for reimbursement afterward.

Delsey luggage with Star Alliance priority tag

Lost luggage reimbursement is different; it covers lost, stolen, or damaged luggage during your trip. Both checked and carry-on bags are covered up to a maximum of $3,000 per person per trip. However, there’s a limit of $500 for jewelry, watches, and electronics.

There are some specifics to understand about this coverage, however. First, it doesn’t cover items you leave behind by accident . Second, coverage applies to you and immediate family members (even if you aren’t traveling with them) so long as you paid for at least part of the trip with your Chase Sapphire Preferred card. Coverage is available from the scheduled start to the scheduled end of your trip, but it is automatically adjusted if there are uncontrollable delays to either date.

Coverage applies to common carriers and cruise lines, and you must report the loss, theft, or damage within the timeframe specified by your travel provider. Then, the coverage on your Chase Sapphire Preferred card will cover any difference in the value of your monetary loss (after depreciation of the items) and the payment you receive from the travel provider . Thus, this is secondary coverage. It’s worth noting that documents, furs, tickets, and cash-like items aren’t covered.

Accidents can happen on any trip, from accidentally slipping on the wet deck of a cruise ship to spending nights in a hospital at a far-flung destination. Does your health insurance at home cover you when you head to Florida? What about South America? These are questions worth asking. If your medical coverage won’t be in effect, it’s worth considering medical travel insurance .

The Chase Sapphire Preferred card includes travel accident insurance for you and your immediate family members . It’s in effect if you pay at least part of the airfare for your trip with this card. You’ll receive varying maximum payouts depending on the type of injury (or death) encountered during your trip, and the maximum limit also depends on whether the accident occurs while traveling on a common carrier or at some other point during your trip . The 24-hour benefit provides maximum coverage of $100,000, increasing to $500,000 when traveling on a common carrier.

But how does this work in practice?

If more than 1 person is injured , the benefits administrator will pay no more than 2 times the maximum limit for each type of injury. That sum will be divided among all covered persons eligible for benefits payments.

In case of death , the benefits administrator will give the money to your named beneficiary. If you haven’t named a beneficiary, the order of preference goes from a spouse or domestic partner to children, then parents, siblings, and finally, your estate. If you go missing and haven’t been found after a year, then this will trigger the “loss of life” benefit.

Coverage begins either when you reach the airport, station, or terminal for travel on a common carrier or when you enter courtesy transportation provided to take you to the point at which your trip begins, such as a train station or airport. If you didn’t buy your tickets in advance but are purchasing them when you arrive at the station, coverage begins once you make the payment for travel. Coverage ends after you leave the transportation vessel or exit the courtesy transportation provided afterward.

The 24-hour coverage functions a bit differently. It’s in effect around the clock for up to 30 days, starting from your scheduled departure for air travel. If your trip is longer than 30 days, coverage will pause 1 minute after midnight on the 31st day and resume when you reach the airport for a flight home or are in courtesy transportation to the airport for the flight home.

Obviously, there are exclusions. You aren’t covered if you’re a pilot or crew member on a flight, you get injured while committing a crime, you get injured while skydiving, your injury is self-inflicted, or you’re injured in a war.

Lastly, you may wonder how COVID-19 factors in . The benefits guide says this under covered losses: “Quarantine of you or your traveling companion imposed by a physician or a competent governmental authority having jurisdiction, due to health reasons.”

Thus, your illness could be covered if a doctor or government requires quarantine related to COVID-19. COVID-19 is generally covered under most travel insurance policies in the same way sicknesses are covered. However, not traveling to avoid COVID-19 risks isn’t covered. As the benefits guide says, “Your disinclination to travel, a country closing its borders, or a travel supplier canceling or changing travel arrangements due to an epidemic or pandemic.”

Hotels aren’t treated separately under the Chase Sapphire Preferred card travel insurance terms. If you must cancel or interrupt a trip for a covered reason, then your hotel cancellation fees can be covered. This would include situations like forfeiting a first night’s room cost for canceling your hotel booking at the last minute, assuming you couldn’t arrive for a covered reason, such as a travel delay or a last-minute injury that made you unable to travel.

Hyatt Regency Nairobi king bed deluxe entry

While you won’t find the word “Airbnb” or even “vacation home” in the benefits guide, you will find a description that covers these types of rentals :

“Provider of Lodging – a hotel, inn, motel, bed and breakfast, or hostel; a Provider of Lodging includes non–commercial time shares, condominiums, or rentals of a private residence; such rental shall require a written contract between You and the property owner or management company, executed in advance of the commencement of the rental period …” Chase Sapphire Preferred card benefits guide.

So long as you’ve reserved your rental in advance and have a written contract — which Airbnb provides at the time of booking, courtesy of your confirmation details — your vacation home rental should count as a type of lodging. The contract must state the cancellation provisions, must not include a rental of more than 60 days, and your booking must be made directly with a licensed website or agent — not with the homeowner directly (unless that person is a licensed agent).

Airbnb is a covered lodging type, meaning your booking should qualify for trip interruption, trip cancellation, and trip delay coverage .

In short, yes. However, there are some exclusions. Since your personal auto insurance policy may not cover you abroad, it’s great to know that paying with your Chase Sapphire Preferred card and declining the rental company’s collision damage waiver can provide protection on your next rental .

You can be covered up to the actual cash value of most rental cars against theft or collision damage. Coverage can include administrative fees, loss-of-use charges, and even towing charges. Coverage applies to rentals up to 31 days and covers you plus any additional drivers listed on the rental contract .

You’ll need to use your card (or your points) to pay for the entire cost of the rental , and most vehicle types are covered by this primary insurance. However, coverage doesn’t apply to exotic or antique cars, high-value vehicles, cargo vehicles, motorcycles, RVs, or vans with seating for more than 9 people (including the driver). Note that Teslas qualify as high-value vehicles, so these aren’t covered .

The benefits guide doesn’t spell out any specific excluded countries . However, Visa typically excludes coverage in Israel, Jamaica, and Northern Ireland, plus you may not be able to use your card to pay for a rental (and thus coverage won’t be in effect) with U.S. Treasury Department monetary embargoes . These destinations include places where your credit cards won’t work, such as Cuba, Sudan, Syria, and North Korea.

Unfortunately, no. Because Turo and Zipcar rentals aren’t considered rentals from a rental car agency, most credit card rental car insurance doesn’t cover them .

To file a claim, you should first gather all of the documents related to your claim . These can include receipts, accident reports, police reports, photos, hospital records, or anything else pertinent to the type of claim you’re making.

Next, you can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online . Different claims have different required timelines. For example, auto claims must be filed within 100 days of the incident. However, you need to file within 90 days for baggage delays or losses, but you’re supposed to contact the benefits administrator within 20 days of these incidents to at least provide notice, even though you have 90 days to finish submitting the claim.

This question will be subjective, and different people will arrive at different conclusions. Travel insurance can be useful for the unexpected, but no 2 trips are equal. The best way to decide whether you need additional insurance beyond what the Chase Sapphire Preferred card offers is to look at what it doesn’t cover.

Will you be skydiving? Do you have significant trip expenses related to Turo rentals or short connections that could cause domino effects if you miss a departure time? Are you renting an RV or going camping — types of travel not covered by the Chase Sapphire Preferred card?

If you have prepaid, nonrefundable expenses that wouldn’t be reimbursed by your credit card’s travel insurance in the event of delays or cancellations, getting a travel insurance policy that covers these could be a good idea and could provide peace of mind. That said, not every travel activity is covered by every travel insurance policy, so you want to make sure you choose a policy that covers your expenses for your particular trip .

If you look at your trip and decide that your flights, hotel plans, and simple plan of just relaxing at the beach will be covered by the Chase Sapphire Preferred card, then purchasing an extra policy probably isn’t necessary.

The Chase Sapphire Preferred card offers numerous protections for purchases and trips. Insurance terms can feel confusing, but hopefully, the explanations of these policies should clarify what is and isn’t covered, as well as policy limits, in a way that helps you know whether the coverages are sufficient for your upcoming travels.

Want to learn more about what else this card offers beyond travel insurance? Consult our full Chase Sapphire Preferred card review .

Frequently Asked Questions

Does the chase sapphire preferred card have trip insurance.

Yes, it has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement.

How to file a claim with the Chase Sapphire Preferred card travel insurance?

You can call the benefits administrator at 866-390-9735 or visit eclaimsline.com to submit online. Each claim type has different required documents and a different required submission timeline, so check your benefits guide for your specific claim type.

Does the Chase Sapphire Preferred card reimburse for travel cancellation?

Yes, you can be reimbursed for monetary losses of up to $10,000 per person and up to $20,000 per trip if you cancel for a covered reason. You’ll need to pay for at least part of your trip with your Chase Sapphire Preferred card, and the cancellation must be for a covered reason, such as death, injury, or being called to active military duty.

What insurance does Chase Sapphire Preferred card cover?

The Chase Sapphire Preferred card has several types of travel protections. Cardholders get rental car insurance, baggage delay insurance, lost and damaged luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and trip delay reimbursement. Cardholders also get shopping insurance benefits, such as purchase protection and extended warranty protection, plus other benefits like roadside dispatch and travel and emergency assistance services (though these are pay-per-use benefits).

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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Should you purchase travel insurance for your vacation rental?

What travel insurance covers for vacation rentals

Your vacation is canceled due to sickness, injury or an emergency

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What travel insurance won't cover for vacation rentals

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24/7 emergency and travel assistance

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