Travel Insured vs Berkshire Hathaway: Which Travel Insurance Is Better?

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

In shortTravel Insured goes higher on medical at every level that matters (Deluxe's $250,000 and Platinum's $500,000 against $150,000 on Berkshire Hathaway's LuxuryCare), frees children 17 and under on Deluxe and Platinum, and refunds 75 percent under cancel for any reason where Berkshire Hathaway refunds 50 percent on one plan. Berkshire Hathaway wins on travel delay (fixed $1,400 to $2,500, paid fast) and on evacuation in the middle of its lineup. Both are on the comparison.

On this page

The plans side by side
Where each one wins
The numbers that decide it
What it costs
What the plans say
Questions people also ask

Travel Insured and Berkshire Hathaway sell to the same traveler and answer the same question differently: Travel Insured puts its money into Deluxe’s $250,000 of medical and $500,000 of evacuation at a mid-range price, Berkshire Hathaway into the highest travel delay limits on the comparison ($1,400 to $2,500) with fixed-amount, fast-paid claims. This page puts the plans side by side from the insurers’ own plan documents, says which one wins for each kind of trip, and shows the numbers that decide it.

The plans side by side

Plan	Emergency medical	Evacuation	Cancel for any reason	Pre-existing waiver window	Kids free
Travel Insured Worldwide Trip Protector Essential	$50,000	$200,000	No	14 or 21 days (plan document)	No
Travel Insured Worldwide Trip Protector Deluxe	$250,000	$500,000	Upgrade, 75% back	14 or 21 days (plan document)	Yes, 17 and under
Travel Insured Worldwide Trip Protector Platinum	$500,000	$1,000,000	Upgrade, 75% back	14 or 21 days (plan document)	Yes, 17 and under
Berkshire Hathaway ExactCare Value	$15,000	$150,000	No	15 days	No
Berkshire Hathaway ExactCare	$50,000	$500,000	No	15 days	No
Berkshire Hathaway ExactCare Extra	$75,000	$750,000	No	15 days	No
Berkshire Hathaway LuxuryCare	$150,000	$1,000,000	Upgrade, 50% back, trips up to $10,000 per traveler	15 days	No

Limits are per person. Read the medical column first: it is the one that separates these two companies, and it is the one that pays the bill that can pass $100,000. The Travel Insured review and the Berkshire Hathaway review go plan by plan.

Where each one wins

The trip or the traveler	Pick	Why
A cruise, a remote trip, or a traveler over 65	Travel Insured Platinum	$500,000 of medical and $1,000,000 of evacuation. Berkshire Hathaway LuxuryCare carries $150,000 and $1,000,000.
A trip with children	Travel Insured Deluxe or Platinum	Children 17 and under free. Berkshire Hathaway has no free-kids benefit.
Flight delays and missed connections	Berkshire Hathaway	Travel delay limits of $1,400 to $2,500 on ExactCare and up, paid as fixed amounts. Travel Insured Deluxe carries $1,500, Platinum $2,000.
Cancel for any reason	Travel Insured	75 percent on Deluxe and Platinum, with Interruption For Any Reason included. Berkshire Hathaway: 50 percent, LuxuryCare only, trips up to $10,000 per traveler.
A mid-priced plan for a trip abroad	Travel Insured Deluxe	$250,000 of medical and $500,000 of evacuation with kids free. Berkshire Hathaway ExactCare Extra carries $75,000 and $750,000.
Price	Both, on the comparison	Enter the trip once and both come back priced side by side.

The numbers that decide it

Medical and evacuation. Travel Insured’s best plan, Worldwide Trip Protector Platinum, carries $500,000 of medical and $1,000,000 of evacuation; Berkshire Hathaway’s best plan, LuxuryCare, carries $150,000 of medical and $1,000,000 of evacuation. For a trip outside the US the floor is $100,000 of medical and $250,000 of evacuation; for a cruise, a remote trip or a traveler over 65, $250,000 and $500,000.

Cancel for any reason. Travel Insured: Cancel for any reason is an upgrade on Deluxe and Platinum, refunds 75 percent, has to be added when you buy within the plan’s window (14 or 21 days from the initial deposit), and requires cancelling at least two days before departure; an Interruption For Any Reason upgrade at 75 percent comes with it. Berkshire Hathaway: Cancel for any reason is on LuxuryCare only, refunds 50 percent, is limited to trips of $10,000 per traveler, and must be added within 15 days of the first payment.

Pre-existing conditions. Travel Insured: The pre-existing condition waiver applies when you buy within the window in the plan document (14 or 21 days from the initial deposit) and insure the full trip cost. Berkshire Hathaway: The pre-existing condition waiver applies when you buy within 15 days of the first trip payment and insure the full trip cost.

Children. Travel Insured: Children 17 and under traveling with an insured adult are free on Deluxe and Platinum. Berkshire Hathaway: No free-kids benefit.

Free look. Travel Insured: 14 days after purchase for a full refund if you have not departed or filed a claim. Berkshire Hathaway: 15 days after purchase for a full refund if you have not departed or filed a claim.

See Travel Insured and Berkshire Hathaway priced side by side for your trip

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What it costs

Both Travel Insured and Berkshire Hathaway are on the CoverTrip comparison, priced next to each other and the other plans when you enter the trip once. Travel insurance is priced by the trip cost, the ages of the travelers and the trip length, and a package plan usually costs 4 to 8 percent of the trip cost, so enter the trip once, find the plan from each company that carries the limits you need, and take the cheaper one. Same price on the comparison as buying direct.

What the plans say

Travel Insured’s strengths are Deluxe’s $250,000 of medical and $500,000 of evacuation at a mid-range price, free children on Deluxe and Platinum, Platinum’s $500,000 of medical and $1,000,000 of evacuation; its weak spot is Essential’s $200,000 of evacuation and no cancel for any reason on it, which makes it a domestic-only budget plan. Berkshire Hathaway’s strengths are the highest travel delay limits on the comparison ($1,400 to $2,500) with fixed-amount, fast-paid claims, LuxuryCare’s $150,000 of medical and $1,000,000 of evacuation, strong evacuation limits even on the mid-range plans; its weak spot is thin medical on ExactCare Value and ExactCare ($15,000 and $50,000) for a trip abroad, and a 50 percent cancel for any reason on one plan only. Both refund 100 percent of the insured trip cost for a listed cancellation reason, both include a 24-hour assistance line, and both are underwritten by large insurers; the difference between them is the limits and the upgrade rules above, not the paper.

Questions people also ask

Is Travel Insured better than Berkshire Hathaway?

For most trips, yes: more medical at every level ($250,000 on Deluxe against $75,000 on ExactCare Extra, $500,000 on Platinum against $150,000 on LuxuryCare), free children, and a 75 percent cancel for any reason. Berkshire Hathaway’s edge is travel delay, paid as fixed amounts without receipts for the covered delay, and a 15-day waiver window on every plan.

Which is better for a cruise, Travel Insured or Berkshire Hathaway?

Travel Insured Platinum ($500,000 of medical, $1,000,000 of evacuation) or Deluxe ($250,000 and $500,000). Berkshire Hathaway LuxuryCare’s $150,000 sits under the $250,000 cruise floor.

Does Berkshire Hathaway have cancel for any reason?

On LuxuryCare only: 50 percent of the trip cost, limited to trips of $10,000 per traveler, added within 15 days of the first payment. Travel Insured refunds 75 percent on Deluxe and Platinum, with Interruption For Any Reason included.

Plan limits and upgrade rules on this page are from the insurers’ plan pages and policy documents for Travel Insured and Berkshire Hathaway, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.