Berkshire Hathaway Travel Protection Review

By Damian Tysdal, licensed travel insurance agent since 2006 · Updated 13 September 2026

★★★★★3.5 out of 5

Known for fast, fixed-amount claim payments and a lineup built around trip type. ExactCare, the plan most people buy, carries $50,000 of medical, and cancel for any reason is only on LuxuryCare at 50 percent.

Good for

Frequent flyers who want fixed, fast payouts for delays, missed connections and lost bags
LuxuryCare for a cruise or a trip abroad ($150,000 medical, $1,000,000 evacuation)
Cruisers and adventure travelers who want a plan built for the trip (WaveCare, AdrenalineCare)

Not for

Anyone buying ExactCare or ExactCare Value for a trip outside the US ($50,000 and $15,000 medical)
Anyone who wants cancel for any reason (LuxuryCare only, 50 percent, trips up to $10,000)
Anyone whose main worry is a hospital bill rather than a delayed flight

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At a glance

Plan	Emergency medical	Evacuation	Cancel for any reason	Travel delay
ExactCare Value	$15,000	$150,000	No	$500
ExactCare	$50,000	$500,000	No	$1,400
ExactCare Extra	$75,000	$750,000	No	$1,800
LuxuryCare	$150,000	$1,000,000	Upgrade, 50% back	$2,500

LuxuryCare is the only plan here I would take abroad. ExactCare is a domestic plan with excellent delay benefits and a thin medical limit.

Top reasons to buy

Fixed-amount benefits for delays and disruptions, paid quickly, often without the paperwork other companies require.
LuxuryCare is a strong plan: $150,000 of emergency medical and $1,000,000 of evacuation.
Trip-specific plans for cruises (WaveCare) and adventure travel (AdrenalineCare).
Sold on the comparison engine, so you can see it priced next to 20 other companies.

Flaws but not dealbreakers

ExactCare, the plan most people buy, has $50,000 of medical. ExactCare Value has $15,000. For a trip abroad I look for $100,000 at minimum.
Cancel for any reason is only available on LuxuryCare, it pays 50 percent, and it is capped at trips of $10,000 per traveler. Most competitors pay 75 percent.
ExactCare Extra’s baggage benefit is a fixed $500, lower than the cheaper ExactCare.

Bottom line

Berkshire Hathaway Travel Protection does one thing better than almost anyone: it pays small, fixed claims fast. If travel delays and missed connections are what you worry about, that matters. If a hospital abroad is what you worry about, the medical limits on ExactCare and ExactCare Value are thin for the money, and only LuxuryCare fixes that. Price LuxuryCare against the other companies on the same quote before you decide.

Full Berkshire Hathaway Travel Protection Review

Summary: Berkshire Hathaway Travel Protection (BHTP) sells four core plans and two trip-specific ones, all underwritten by Berkshire Hathaway Specialty Insurance. The company’s reputation rests on fixed-amount benefits that pay quickly, and it deserves it. The weakness is emergency medical: ExactCare, the plan most people buy, carries $50,000, and only LuxuryCare carries a limit I would take abroad. Cancel for any reason is LuxuryCare only, at 50 percent.

Compare it against:

Who Berkshire Hathaway Travel Protection is

BHTP is the travel insurance arm of Berkshire Hathaway Specialty Insurance. Financial strength is about as good as it gets. The company built its name on paying fixed amounts for common problems (a flight delayed past a set number of hours, a missed connection, a lost bag) without asking for receipts, and that is still the thing it does best.

The plans

ExactCare Value
Cancellation 100 percent, interruption 100 percent, emergency medical $15,000, evacuation $150,000, baggage $750, travel delay $500. No cancel-for-any-reason. The medical limit is only suitable for a short domestic trip.

ExactCare
The plan most people buy. Cancellation 100 percent, interruption 150 percent, emergency medical $50,000, evacuation $500,000, baggage $1,000, travel delay $1,400. No cancel-for-any-reason.

ExactCare Extra
Cancellation 100 percent, interruption 150 percent, emergency medical $75,000, evacuation $750,000, baggage $500 fixed, travel delay $1,800. No cancel-for-any-reason. A step up on medical, a step down on baggage.

LuxuryCare
Cancellation 100 percent, interruption 150 percent, emergency medical $150,000, evacuation $1,000,000, baggage $2,500, travel delay $2,500. Cancel for any reason available at 50 percent for trips up to $10,000 per traveler, bought within 15 days. This is the BHTP plan I would take on a cruise or abroad.

WaveCare
A cruise plan with $75,000 medical, $750,000 evacuation and a fixed $500 cruise disruption benefit.

AdrenalineCare
An adventure plan with $50,000 medical and $750,000 evacuation, built for activities standard plans exclude.

ExactCare Lite
Post-departure coverage only, for trips with nothing prepaid.

The fixed-benefit advantage

Most travel insurance reimburses what you spent, after you prove you spent it. BHTP pays set amounts for set events on many of its delay and baggage benefits, which means a delayed flight can turn into money in your account within days. If your trips are full of connections and your usual losses are hotel nights and meals, this is worth paying for.

The medical question

The fixed-benefit model does not help you in a hospital. ExactCare’s $50,000 of emergency medical is low for a trip abroad, and ExactCare Value’s $15,000 is low for almost anything. Plans priced like ExactCare from other companies carry $100,000 to $500,000. If you are leaving the country, LuxuryCare is the BHTP plan to price, and it is worth checking what the same premium buys elsewhere.

Cancel for any reason

Only LuxuryCare offers it. It pays 50 percent of the trip cost, it is limited to trips of $10,000 per traveler, and it has to be bought within 15 days of your first trip payment. Most competitors pay 75 percent with no trip-cost cap that low. If cancel for any reason is the reason you are buying, BHTP is not the place to buy it.

Pre-existing conditions and the free look

The pre-existing condition waiver applies if you buy within 15 days of your first trip payment and insure the full trip cost. You have 15 days after purchase to cancel the policy for a full refund if you have not departed and have not filed a claim.

Berkshire Hathaway cruise insurance

Berkshire Hathaway is one of the few companies with a plan built for cruises. WaveCare carries $75,000 of emergency medical, $750,000 of evacuation and a fixed $500 cruise disruption payment when the ship skips a port or changes its itinerary, something most standard plans do not cover at all. There is no cancel-for-any-reason upgrade on WaveCare, and the pre-existing condition waiver has to be bought within 15 days of your first trip payment. If you want a higher medical limit, LuxuryCare carries $150,000 of medical and $1,000,000 of evacuation.

The reason the medical limit matters on a ship: the medical center charges your stateroom account and does not take health insurance, and Medicare stops paying once you are more than six hours from a US port. Evacuation off a ship by helicopter or air ambulance is the single most expensive thing that can happen on a cruise.

How WaveCare compares with the cruise line’s own plan and with the other companies is in our cruise travel insurance guide.

How much does Berkshire Hathaway Travel Protection cost?

BHTP prices in the normal range. ExactCare often lands near the middle of a quote, and LuxuryCare near the top. Whether the fast-pay benefits are worth the difference depends on what you expect to go wrong. Price it next to the other companies for your trip and compare the medical column first.

Berkshire Hathaway Travel Protection FAQs

Is Berkshire Hathaway Travel Protection legitimate?

Yes. BHTP is part of Berkshire Hathaway Specialty Insurance, one of the most financially strong insurers in the world, and its plans are underwritten by that company.

Does BHTP offer cancel for any reason?

Only on LuxuryCare. It pays 50 percent of the trip cost, is limited to trips of $10,000 per traveler, and must be bought within 15 days of the first trip payment. Most competitors pay 75 percent.

Which BHTP plan is best?

LuxuryCare if you are leaving the country or cruising, because of the $150,000 medical and $1,000,000 evacuation limits. ExactCare is fine for a domestic trip. ExactCare Value’s $15,000 medical limit is too low for most trips.

What is BHTP known for?

Fixed-amount benefits that pay quickly for common problems like flight delays and lost bags, often without the receipts other companies require.

Summary

Berkshire Hathaway Travel Protection is the company to pick if fast, fixed-amount payouts for delays and baggage are what you value. It is not the company to pick for medical coverage on a budget, and its cancel-for-any-reason option is the weakest in the market. LuxuryCare is the plan worth pricing, and it is worth pricing against everyone else.

Before you buy

The pre-existing condition waiver applies only if you buy within 15 days of your first trip payment and insure the full trip cost.
Cancel for any reason is on LuxuryCare only, pays 50 percent, is limited to trips of $10,000 per traveler, and must be added within 15 days of the first payment.
ExactCare Extra's baggage benefit is a fixed $500, lower than ExactCare's $1,000.
You have 15 days after purchase to cancel the policy for a full refund if you have not departed or filed a claim.

See Berkshire Hathaway priced for your trip, next to 20 other companies

Enter your trip once and every top plan comes back side by side, priced for your dates. Same price as buying direct.

See plans & pricesAbout 60 seconds. Nothing to sign up for.