Considering purchasing travel insurance? Here's some information.
When purchasing a travel insurance policy, carefully review the covered reasons as well as the policy terms, conditions and exclusions as coverage, plans and providers differ globally. Note that travel insurance generally doesn’t cover a 'foreseen event'—or one that has a reasonable expectation of taking place—even if that event is one of the covered reasons. The coronavirus (COVID-19) may be considered a foreseen event and is likely not covered by most travel insurance policies.
Airbnb is providing this information for general educational purposes only. Airbnb does not currently offer travel insurance or endorse the products or services of any travel insurance companies, agents or brokers.
Do you need travel insurance?
Travellers may want to consider purchasing travel insurance. Individual needs may vary, but generally, there’s a wide array of benefits as you consider your plan choice.
Plans may include:
This benefit may cover you when certain covered reasons prevent you from taking your trip, like weather or worker strikes; sickness, injury, or death; or work-related interruptions.
This benefit may reimburse you for expenses incurred if you need to end your trip early after it has begun.
This benefit may reimburse you for medical expenses you incur because of an illness or accident that occurs during a trip.
Emergency assistance services
This benefit may provide assistance when you travel for critical needs like emergency transportation, medical evacuations, doctor referrals, and lost or stolen visas and passports.
Lost and damaged baggage protection
This benefit may provide coverage if your personal belongings are lost, stolen, or damaged during the trip.
Cancel for Any Reason (CFAR)
This benefit may reimburse you for the whole trip or a portion of trip expenses incurred if the trip is cancelled for any reason.
Every programme is different. It’s important to review the terms of the insurance policy to determine if the plan is right for your needs.
When purchasing a travel insurance policy, carefully review the covered reasons as well as the policy terms, conditions and exclusions as coverage, plans and providers differ globally. Note that travel insurance generally doesn’t cover a 'foreseen event' — or one that has a reasonable expectation of taking place — even if that event is one of the covered reasons. The coronavirus (COVID-19) may be considered a foreseen event and certain coverages may not apply.
Where to buy travel insurance
Travel insurance aggregators bring together plans from many different travel insurance companies so you can compare plans and choose one with the right coverage and price for your needs.
The above link has been provided by a travel insurance aggregator and is available in the USA and Canada. It is not a recommendation or endorsement of the aggregator or any insurance products available through it, some of which may not be available in all states, provinces, or territories.
Things to keep in mind
Read the fine print.
Your policy includes details of what's covered and what’s excluded. While on your trip, make sure your policy is accessible in case something happens and you need to file a claim.
You have many options, so be sure to compare coverage benefits and pricing.
Review your policy carefully and ask questions.
Contact the provider with questions after reviewing the coverage, terms, conditions, and exclusions.
Check your existing coverages.
Some credit cards may offer travel insurance plans and other benefits, such as rental car coverage. Some homeowner’s policies may have coverage for theft or loss of personal belongings while you’re away from home. You may also have coverage through your employer.
Your questions answered
Be sure to understand the terms and conditions of any plan you buy. Known or foreseen circumstances like the novel coronavirus outbreak (COVID-19) and other known events are likely excluded from most policies and may not be covered.
If you purchased coverage before the novel coronavirus outbreak (COVID-19), we recommend you review your policy closely. Insurance coverage for claims arising out of the novel coronavirus (COVID-19) is limited. For example, coverage may be available if you actually become ill or are quarantined, but not if you cancel your trip for fear of the virus.
Travel insurance plans offer a wide array of benefits that may include reimbursement of non-refundable charges for unforeseen specified trip cancellations, interruptions or delay, medical expense reimbursement, emergency assistance services, lost and damaged baggage protection, theft of personal property while travelling, and more. Travel insurance is commercially available although coverage, plans, and providers differ globally.
Trip interruption coverage may reimburse you if you need to interrupt your trip for a covered reason. Trip cancellation coverage may reimburse you if your trip is cancelled for a covered reason.
Some credit cards may offer limited travel protection that is afforded under travel insurance or trip cancellation programmes. Programmes vary in terms of coverage, exclusions, and restrictions.
Credit card programmes may provide:
- Rental car protection (including loss of use fees)
- Lost or damaged baggage
- Accidental death and/or flight accident insurance
- Emergency travel assistance and concierge benefits
We recommend reviewing your credit card benefits including any travel protection benefits available to you based on your membership.