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Travel insurance is a must-have for anyone planning a trip overseas. It provides peace of mind that you won’t be stranded with high medical bills or lost luggage. Berkshire Hathaway is a well-known provider of travel insurance, so we decided to review their policies and assess their value.
Who is Berkshire Hathaway?
Berkshire Hathaway is a multinational conglomerate holding company run by business magnate Warren Buffett. It has subsidiaries in various industries, including insurance. Berkshire Hathaway Travel Protection (BHTP) offers travel insurance policies to customers in the United States.
What does Berkshire Hathaway Travel Insurance Cover?
Berkshire Hathaway offers a range of travel insurance products. These include:
| Policy Type | Coverage |
|---|---|
| ExactCare | Trip cancellation, trip interruption, emergency medical, emergency medical transportation, baggage and personal effects, and accidental death and dismemberment coverage. |
| ExactCare Lite | Trip cancellation, emergency medical, emergency medical transportation, and accidental death and dismemberment coverage. |
| AdrenalineCare | Trip cancellation, emergency medical, emergency medical transportation, and baggage and personal effects coverage for adventure sports. |
ExactCare is the most comprehensive policy, while the ExactCare Lite is a more affordable option for those who don’t need baggage and personal effects coverage. AdrenalineCare is designed for adventure sports enthusiasts and provides coverage for activities like bungee jumping and rock climbing.
How Much Does Berkshire Hathaway Travel Insurance Cost?
The cost of Berkshire Hathaway Travel Insurance policies varies depending on the policy type, coverage level, and the duration of your trip. However, as a general rule, ExactCare policies cost around 5-10% of your total trip cost, while ExactCare Lite policies cost around 3-5% of your total trip cost.
How Do I File a Claim with Berkshire Hathaway Travel Insurance?
If you need to file a claim with Berkshire Hathaway Travel Insurance, you can do so by calling their customer service hotline or by submitting a claim online. You will need to provide documentation to support your claim, including receipts and medical records if applicable. Claims are typically processed within a few weeks.
What Do Customers Say About Berkshire Hathaway Travel Insurance?
Berkshire Hathaway Travel Insurance has generally positive customer reviews online. Customers praise the company’s customer service and the ease of filing claims. However, some customers have complained about the cost of the policies, which can be higher than other travel insurance providers.
Conclusion
Overall, Berkshire Hathaway Travel Insurance is a reliable provider of travel insurance policies. They offer a range of policies to suit different needs and budgets, and their claims process is straightforward. However, their policies can be more expensive than other providers, so it’s worth shopping around to find the best deal.