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Does Travel Insurance Cover Vacation Rentals?

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Whether you're booking a weekend getaway or a longer trip, opting for a vacation rental property over a hotel has its perks. Vacation rentals can feel like a home away from home — but what happens if your plans change and you have to cancel unexpectedly?

If you purchased travel insurance for your trip, you might assume your vacation rental is covered and that you'll automatically be reimbursed for deposits, airfare or other prepaid travel expenses. But it's important to understand when you can (and can't) get a refund on canceled vacation rental plans.

» Learn more: How to find the best travel insurance

Read the fine print on your policy's trip cancellation rules

Travel insurance can cover both trip cancellation if you have to forgo your travel plans altogether and trip interruption if you have to cut your trip short.

Trip cancellation and trip interruption benefits can extend to vacation rentals — but it's not necessarily blanket coverage. For example, some insurance carriers specifically exclude epidemics and pandemics from their coverage for vacationers.

You could have purchased a separate Cancel for Any Reason (CFAR) upgrade or rider to supplement an existing travel insurance policy, but if you have to cancel a vacation rental, there may still be coverage limits based on when you purchased it.

Keep in mind that CFAR coverage may not pay you back 100% of what you paid for a vacation rental. Depending on the insurer and the CFAR policy's terms, you may only be able to recoup 50% to 75% of your travel costs. And adding CFAR coverage to an existing travel insurance policy can make it more expensive.

» Learn more: Is travel insurance worth it?

Check your credit card's travel protections

If you've exhausted the limits of your vacation rental insurance, you could look to your credit card for additional coverage.

There are a number of cards that offer trip cancellation and trip interruption insurance for covered events. Again, you have to look at the fine print to see what's covered and what isn't.

For instance, many cards that offer trip cancellation will not cover you if your decision to cancel your vacation rental plan is based on a concern that you might get sick, so you likely wouldn't be able to get reimbursement.

On the other hand, you could be covered if you're quarantined, either by a doctor or a government entity. In those scenarios, your card's trip cancellation benefits may kick in and allow you to get back some or all of what you paid for your trip.

In some cases, coverage may be less clear-cut. For example, say you booked a two-week rental of a beachfront home, but because of weather, local government authorities issued an order closing the beach to short-term renters.

In that scenario, you'd have to call your credit card company to determine whether that qualifies under their coverage rules. You could also try to make a claim for reimbursement if your card's travel protections cover situations in which a rental property is uninhabitable.

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

Reach out to the rental company

Last but not least, stay in touch with the rental company, such as Airbnb or Vrbo , to find out what rights you have for claiming a refund or reimbursement for canceled vacation rental plans.

» Learn more: The majority of Americans plan to travel in 2022

If you booked through a local vacation rental property company, you'll have to consult their individual refund policies. Some companies include a disclaimer in the rental agreement stating that refunds are only available if the property can be re-rented.

Some vacation rental companies may opt to rebook you rather than refund your money. If you're able to reschedule your trip, that could be a good last resort for avoiding a total loss.

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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

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 6 Best Vacation Rental Travel Insurance Plans

Allianz Travel Insurance »

Seven Corners »

AXA Assistance USA »

AIG Travel Guard »

Nationwide Insurance »

Red Sky Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Vacation Rental Travel Insurance Plans.

Table of Contents

• Rating Details
• Allianz Travel Insurance
• Seven Corners

When you're planning an affordable yet fun-filled vacation, a rental home can be a great lodging option. By booking a vacation rental that's a condominium, a rustic cabin or a private villa instead of a hotel or resort, travelers get to enjoy more of the comforts of home during a trip, such as a living space and a kitchen to make meals in.

But you can't plan for everything, so you don't necessarily want to skip over a travel insurance policy in case something goes wrong. Investing in vacation rental travel insurance is the best protection you have against inclement weather or a natural disaster ruining your trip or forcing you to evacuate your vacation home before the end of your rental period.

The best travel insurance plans also offer additional coverage for travel delays, baggage loss, emergency medical expenses, emergency evacuation and other perils. Before you book a vacation property directly from an owner or through a platform like Airbnb, Vacasa or Vrbo, read on to learn about the best travel insurance policies for this type of trip and what they include.

• AXA Assistance USA
• AIG Travel Guard
• Nationwide Insurance
• Red Sky Travel Insurance

Best Vacation Rental Travel Insurance Plans in Detail

Customizable coverage that works well for vacation rentals at any price point

Kids 17 and younger covered for free with some plans

OneTrip Basic plan may have insufficient coverage for your needs

• Trip cancellation coverage worth up to $100,000
• Trip interruption coverage worth up to $150,000
• Trip change protector worth up to $500
• $50,000 in coverage for emergency medical expenses
• Up to $500,000 for emergency medical transportation
• Baggage loss and damage coverage worth $1,000
• Baggage delay insurance up to $300
• Travel delay coverage worth up to $800 ($200 per day)
• 24-hour travel hotline assistance

Broad selection of plans to choose from

Ideal vacation rental coverage for domestic trips available

Domestic plans with Air Travel Bundle come with low limits for baggage and personal effects

• Trip delay coverage worth up to $300 ($100 per day)
• Travel inconvenience coverage worth up to $150
• Baggage coverage worth up to $500 ($250 maximum per item)
• Baggage delay coverage worth up to $250 (up to $100 per day)
• Emergency accident and sickness coverage worth up to $50,000
• Coverage for emergency evacuation and repatriation of remains worth up to $250,000
• Emergency dental expense coverage worth up to $250

Offers comprehensive coverage based on your needs

Customize your policy with available add-ons

Optional CFAR coverage only available with Platinum Plan

• Trip cancellation coverage worth up to 100% of the total trip cost
• Trip interruption coverage up to 100%
• Trip delay coverage up to $500 ($100 limit per day)
• Missed connection coverage up to $500
• Emergency medical coverage up to $25,000
• Emergency evacuation coverage up to $100,000
• Accidental death and dismemberment coverage up to $10,000
• Common carrier accidental death and dismemberment coverage up to $25,000
• Baggage delay coverage up to $200
• Baggage and personal effects coverage up to $750

Customizable coverage with high limits

Cancel for any reason coverage available

Low medical expense limits for Essential Plan

• Trip cancellation coverage worth up to 100% of the trip cost
• Trip interruption coverage worth up to 150% of the trip cost
• Up to $1,000 in coverage for lost baggage
• Baggage delay coverage worth up to $300
• Travel medical expense insurance worth up to $50,000
• Up to $500,000 in emergency medical evacuation protection

10-day review period available

Preexisting conditions can be covered

Nationwide does not offer single-trip plans without medical or baggage insurance

• Up to $30,000 in trip cancellation insurance
• Trip interruption coverage worth up to 200% of the total trip cost (maximum benefit of $60,000)
• Trip delay coverage worth up to $250 per day ($2,000 maximum)
• Missed connection and itinerary change coverage worth up to $500
• Secondary coverage for baggage and personal effects worth up to $2,000
• Baggage delay coverage worth up to $600 for delays of 12 or more hours
• Accident and sickness medical expense coverage worth up to $150,000
• Emergency dental coverage worth up to $750
• $1 million in insurance for emergency medical evacuation
• Coverage for terrorism in a vacation destination

Choose from tailor-made plans for vacation rentals

Can only be purchased directly through vacation rental companies

Limited coverage options available (no option for rental cars or CFAR)

• Up to $100,000 in reimbursement for vacation rental expenses
• Trip delay coverage worth up to $750 (maximum of $200 per day)
• Coverage for emergency medical expenses and emergency medical evacuation (policy limits vary)
• Baggage delay insurance worth up to $1,000 per day ($200 per day)
• Emergency roadside assistance
• Worldwide emergency assistance services

Frequently Asked Questions

Vacation rental travel insurance works like any other type of travel insurance coverage. You pay a premium for the policy upfront, and you get varying levels of protection for trip cancellation or interruption, emergency medical expenses, emergency medical evacuation, lost or delayed baggage, and more.

You may not need certain types of travel insurance for trips in the U.S., such as coverage for emergency medical expenses if your own health insurance still applies. You may also choose to skip rental car insurance if you're using your own car and insurance for your trip. That said, it can still be beneficial to pay for travel insurance that covers trip cancellation and interruption, emergency medical evacuation, and more.

You can buy travel insurance online from top insurance companies. You may also be able to secure coverage with your vacation rental provider. Compare plans on TravelInsurance.com .

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included vacation rentals within the U.S. and all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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5 Reasons Travel Insurance is a Must for Vacation Home Rentals

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Vrbo Insurance: a Comprehensive Guide for Hosts

• May 20, 2022
• STR Life , Vrbo

By The Hospitable Team

When you list your property on Vrbo, you put someone in charge of taking care of your house or apartment while you are not there. You can’t be sure that all your guests will treat your home like their own, so there’s no guarantee that you can avoid unpleasant surprises that may cost you a fortune.

That means you need to protect yourself beforehand with the right insurance. In this guide, we’ll talk about how Vrbo insurance works. We hope that this information will help you protect your vacation rental property in the way that works best for you.

If you list your property on several platforms, you may also want to learn more about Airbnb insurance .

Vrbo Insurance for Owners: Why Do You Need Special Insurance for Your Rental?

Most people who choose real estate side hustle to earn passive income have a homeowner insurance policy, but it has significant coverage gaps. Homeowner insurance is designed for an owner-occupied property, but vacation rentals are different. They are used for rental guest stays and owner’s vacations throughout the year, and there are periods when they aren’t unoccupied.

That’s why relying on it to cover the short-term rental you list on Vrbo, Airbnb, Booking.com , or other OTA website s is a misinformed choice. You need a vacation rental insurance policy that can cover all three uses. And if you regularly rent your vacation property, you need business insurance. Without it, you’re vulnerable to the costs of property damage and liability suits.

Vrbo recommends Proper Insurance as their preferred home insurance vendor in the US because the company’s insurance policy is comprehensive. It’s also designed to address the unique exposure of vacation rentals.

So what does Vrbo insurance cover? It provides coverage for your building, contents (including furniture and small appliances), loss of income, and liability. Vrbo insurance for owners from Proper Insurance is offered in all 50 states.

It’s critical for you as a host to ensure that your property is appropriately covered with a comprehensive insurance policy because it will give you peace of mind and confidence. Then you’ll be able to focus on what you can do best—providing an amazing experience for your guests, and that’s impossible without effective communication.

You should be available to your guests almost 24/7 and answer all their questions as fast as possible to make them happy. It’s a challenge, but you can automate this process with tools like Hospitable.com.

Have conversations with your guests even when you sleep.

Vrbo liability insurance.

While vacation rental guests are on your property, you’re immediately liable for their safety . But typical homeowner policies may not provide liability protection when your house is used as a vacation rental. That’s why it’s critical to have appropriate coverage for liability issues that may arise when you rent out your home to a guest.

To help protect your financial well-being, Vrbo provides $1M Liability Insurance for owners and property managers. Vrbo Liability Insurance program is offered at no additional cost to you. It provides protection for every reservation processed through the platform, no matter where in the world your rental property is located.

If you don’t have liability insurance for your rental, this policy responds first if someone makes a claim against you. If you already have a liability policy for your vacation rental, the program gives you $1,000,000 per year in added protection.

What Does Vrbo Insurance Cover?

Wondering how you’re protected? The program may provide coverage for claims made against you

• If a traveler is accidentally injured while staying in your rental property;
• If a traveler accidentally damages the property of a third party, for example, a neighbor while staying in your rental property, and the third party sues you for that damage.

But you should keep in mind that $1M Liability Insurance doesn’t cover damage caused by a traveler to your property. For such situations, you need a business insurance policy that would cover property damage costs.

Vrbo Damage Insurance: What Are the Alternatives?

What else can you do to protect your Vrbo property from potential damage? Extensive damage to a rental property is rare, but smaller damage, such as broken glass or scuffled furniture, can occur occasionally.

So although there’s no Vrbo damage insurance, the platform provides hosts with several mechanisms to protect their rentals. Hosts can require travelers to purchase Property Damage Protection or pay for their damages with their own money.

To minimize the risk of potential damage, you should clearly communicate your expectations regarding events, pets, children, and smoking in your house rules . Besides, you can require that travelers sign a legal rental agreement that details how they are expected to treat your property during their stay. This can help eliminate guests’ possibility of filing a dispute if you need to file a Vrbo damage claim.

Vrbo Damage Deposit

You can set a damage deposit amount that your guests will be responsible for if they cause damage to your rental property. You’ll have up to 14 days after a guest checks out to file a claim. Vrbo will charge this amount on your behalf to the traveler’s credit card that they used for the booking (it’s the default option).

Another option is an upfront refundable damage deposit that your guest will be charged when booking. Vrbo will hold it throughout the booking process and the guest’s stay. If no claim is filed, the Vrbo damage deposit will be refunded to the guest after 14 days.

Vrbo Damage Protection

Property Damage Protection is an optional insurance that you may allow your guests to purchase. It’s intended to protect Vrbo guests up to the coverage amount if accidental damage to the rental property occurs during their stay.

Guests will see the property damage protection charge during the booking process, just like the refundable deposit. Guests can also purchase additional travel insurance that includes Vrbo cancellation insurance. It protects their trip’s costs if they need to cancel or have an issue with booking or boarding.

Hosts can suggest an insurance plan level, but it’s up to travelers to decide whether they should go ahead with this option during the booking process. Guests can also pay the Vrbo damage protection amount as a refundable damage deposit instead of the non-refundable amount.

Hosts determine the amount required across all types of damage deposits. And guests can see the amount in the “house rules” section of the listing and during the checkout process before they officially book the rental.

The Vrbo guests are responsible for treating your property with respect. But you should remember that you are also responsible for making sure your rental space is well maintained and guest-ready before each stay. That’s a lot of work, so you may want to hire a team to help you with cleaning and maintenance .

And vacation rental software like Hospitable.com will help you assign new tasks to all your team members automatically. Moreover, with Hospitable, you can automate almost all your operations and manage listings on multiple platforms as easily as one.

All your STR business in one convenient window

How to file vrbo damage claim.

If you want to file a Vrbo damage claim, you must provide a brief description of the damages. Vrbo will share this description with the guest to inform them about it. You are not required to provide any photos or other evidence of the damages.

Vrbo also encourages hosts to contact the guest directly before filing the claim, using their messaging platform. This open conversation allows you to discuss the damages, the amount you intend to charge and provide the guest with any evidence, such as before and after photos. If you do so, it can help reduce the chances that the guest will file a dispute.

Here is what you need to do to initiate the claim:

• Log in to your account and select the listing if you have more than one rental property.
• Click Inbox and select the traveler’s name. You can use the All Messages drop-down menu to filter your conversations.
• Go to the Damage protection section and click Report damage.
• Enter the Damage amount you want to claim for the damage (it can’t exceed your damage deposit).
• Enter a description of the damage (this information will be sent to your guests).
• Finally, click Confirm.

Vrbo Damage Waiver Fee

A damage waiver fee is a prepaid, non-refundable fee included in a rental home’s total price. It covers accidental damages to your rental property during the guests’ stay. But it doesn’t cover intentional damage, for example, caused by parties, and damage caused by the violation of the house rules, such as violating a “no smoking” policy.

Damage waiver fees are standard in many vacation rental homes and are included in rental agreements. They protect guests from paying upfront for minor damages, such as broken furniture, spills, scratches on surfaces such as walls or doors, and stains. Many guests prefer paying extra for a damage waiver fee because it doesn’t require them to put down a large security deposit before their stay.

Final thought

It’s essential to have insurance to protect yourself and your assets when renting your property to travelers because unexpected and unfortunate accidents can happen to anyone. Keep in mind that your homeowner insurance may not cover renting out your home to guests as a business.

Vrbo insurance for hosts provides only basic liability protection and doesn’t cover damages caused by travelers to your property. So before you list your rental space on Vrbo, you should analyze what you want to protect and find additional vacation home insurance that suits your short-term rental business.

Rental Property Maintenance: Guide for Airbnb Hosts

One of the biggest responsibilities facing any host or property manager is vacation rental property maintenance. If you have been struggling to meet all your maintenance responsibilities, this post is for you. It will help you understand the basic steps you need to take to avoid costly repairs.

Vrbo Taxes: a Guide for Hosts in the US

Starting on Vrbo is easy, but if you want to succeed as a Vrbo host, you should treat this as a business. And an important part of operating a short-term rental business is taking care of lodging taxes. In this guide, we cover the basics of Vrbo taxes that you need to know to get started.

Vrbo Rules for Owners: a Starter’s Guide

Before you create a listing on Vrbo, it’s essential to review the laws that apply to short-term rentals in your area. Then you should examine the Vrbo hosting rules and prepare to follow the best practices. Don’t feel overwhelmed, and let this article guide you.

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Home » Online Shopping » Vacation Rentals » How Does Vrbo Insurance Work?

How Does Vrbo Insurance Work for Travellers and Property Owners?

Having insurance to protect yourself and your assets is essential. Whether you are a guest or a host renting your property to travellers, unexpected and unfortunate accidents can happen to anyone.

In this article we will be getting into the nitty gritty of what Vrbo insurance covers for hosts and guests, so that both parties have one less thing to worry about. To learn more about how Vrbo works before you plan your next vacation, we’ll cover everything you need to know about Vrbo property and traveler insurance.

What is covered in this article

Vrbo insurance for owners and renters, vrbo insurance for travelers.

To help you book your next vacation with confidence, we’ll teach you all there is to know about Vrbo insurance. 

Vrbo’s $1M liability insurance provides owners and property managers with liability protection for all stays that are processed online through the HomeAway checkout, giving them $1,000,000 in primary liability coverage at no additional cost. From a renter’s point of view, they are insured to be reimbursed for the accident that happened at the host’s property.

How Vrbo insurance protects owners

The following types of scenarios describe what Vrbo’s insurance coverage includes for owners so that they don’t have to spend any money out of their pocket.

• Injury claims made by traveler s: If a traveller staying at your property injured themselves (by say falling down the stairs or burning their hand while cooking), the owner can file a claim with Generali to cover the medical bills against the $1M liability insurance plan.
• Property damage claims : If a traveller staying at your property causes damage to your property (such as damaging furniture, flushing something down the toilet that messes with the plumbing system, etc.), then the liability insurance would cover the cost of fixing it up to a maximum of $1 million.

How Vrbo owner insurance works

Vrbo’s $1 million liability coverage comes in handy, as most homeowners’ plans do not provide protection if the property is used as a vacation rental. In a situation where an owner doesn’t have liability coverage for their property, Vrbo’s liability insurance will provide the basic liability coverage. If someone already has a liability policy, Vrbo insurance will act as additional coverage on top of what they already have.

This insurance program applies to Vrbo properties listed anywhere in the world, and homeowners are not obliged to use it. However, any reservations processed through HomeAway checkout are automatically protected at no additional cost.

Vrbo offers insurance that travelers can purchase to protect the booking of their upcoming stay against unexpected cancellations, delays, and interruptions. A traveller can be reimbursed for non-refundable fees or any other out-of-pocket expenses if there is a problem with their stay for a reason that is covered under the Vrbo travel insurance.

Vrbo travel insurance

While making a booking on Vrbo, the traveller will be given the option to buy the Vrbo travel insurance at checkout and also after their booking is confirmed, in case they decide to buy it then. If the traveller is not satisfied with the plan for any reason, they can cancel their coverage within 10 days of buying for a full refund. If their trip is cancelled and they won’t be needing the insurance, all they need to do is call Generali at 877-880-0975 to cancel their Travel Insurance plan.

Vrbo Accidental Damage Protection

The Accidental Damage Protection plan provides guests with coverage for any accidental damage that could take place at the vacation rental during the period of their stay. If the owner holds the damage deposit or more money is owed to cover the loss, then Damage Protection can reimburse them for the difference. 

Like all other coverages on Vrbo, Generali Global Assistance has an accidental damage protection insurance plan that travelers can purchase 24 hours before check-in. Vrbo recommends damage protection to their travelers with children, pets, and when visiting in a large group.

Let us look at the different types of policy options that a traveler can purchase:

• $59 for $1500 coverage
• $79 for $3000 coverage
• $99 for $5000 coverage

Travelers get the option to buy the Accidental Damage Protection at checkout or when they make the payment on their booking. They can also directly purchase this on the Generali site . If the traveler(s) choose to purchase this protection, they will receive an email confirmation after their purchase containing the certificate of insurance and a copy of the policy. 

For any reason, if the traveler decides that they don’t want this plan, they can request a refund as long as it is before their check-in date. They must call Generali before their scheduled date of arrival to receive a refund. The policy is also eligible for a full refund, if the reservation is cancelled. 

We hope we have been able to help you understand everything there is to know about Vrbo insurance from a host and a guest’s point of view. You may also check out more articles in our Vrbo series to learn if Vrbo is safe and reliable and our overall review of Vrbo .

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Your Quick Guide to Vrbo Travel Insurance

While you are supposed to unwind on a holiday, traveling does come with some risk. Enter travel insurance. 

Travel plans change. Trips get canceled . Property can break. 

To ensure that both hosts and guests have a memorable experience, Vrbo offers a number of ways that they can safeguard themselves against most unfortunate events. Without insurance, you run the risk not only of incurring unexpected costs, but also to end up feeling like you have been cheated out of your money. 

Continue reading to find out more about the insurance options offered by Vrbo to their guests and hosts. While you are at it, do not leave it there. Third-party insurance providers also deserve your attention and this article will explain why.  

How Does VRBO Insurance Work?

Vrbo travel insurance (aka Travel Protection) is aimed at guests. It is offered by CSA and underwritten by Generali US Branch. 

When a guest books accommodation on Vrbo, they will be given the option to buy additional travel insurance when they pay for their booking via the site. This insurance will help to keep them protected against trip delays, cancellations (this applies only to covered reasons), and interruptions. Examples of covered reasons are sickness or injury. 

While 100% of the cost will be covered in the case of trip interruption, the reimbursement for travel delay is limited. It is capped at $600 per plan and there is also a daily limit of $150 per plan. 

Guests will also be reimbursed for prepaid, non-refundable fees related to their trip and other reasonable, out-of-pocket expenses like local transportation, accommodation, and meals. 

If guests did not select to buy travel insurance at the time of paying for the booking, it is not the end of the world. They will still have a chance to add this option at a later stage via the booking confirmation page or post-booking confirmation emails. Alternatively, they can also go to the online portal of Generali. 

Without this Travel Protection plan, guests would lose what they have paid thus far in the event that they should cancel. 

In addition to reimbursing prepaid costs in the event of trip cancellation, interruption, or delay, the plan also includes other helpful services like:

• 24-hour emergency assistance services
• ID theft resolution
• Telemedicine service
• Concierge services

Vrbo also offers a Damage Protection plan. In the event of accidental damage to the vacation rental property, the Damage Protection option offered by Vrbo can help to safeguard guests against extra expenses . 

Not only is it convenient, but also affordable. For only $59, guests can get coverage of up to $1,500. This way, guests are also covered in case the property that they were staying at was damaged accidentally and the refundable deposit is withheld. All in all, this option is ideal for big groups or families traveling with kids (or fur babies). It is also strongly recommended for guests that have booked a long-term stay or will be staying at a luxury rental. 

In the unfortunate event that you need to claim, rest assured that the process is easy. All you need to do is to complete a claim form, attach the necessary documentation, and send it to the claims department at Generali. 

What’s more, those who are unhappy with the Vrbo travel insurance can also cancel the coverage. To receive a full refund, it needs to be canceled within 10 days of purchase. 

Is Vrbo Travel Insurance Worth It?

Opting for travel insurance is always the better choice. In the case of Vrbo travel insurance, guests can rest assured knowing that it is offered by a very reputable insurance provider. 

That said, online reviews have mentioned that the coverage options tend to be limited, especially when you consider the cost. For example, it does not allow guests to cancel for any reason. This means that if you are worried about the coronavirus, you can’t use this as a reason unless you have contracted it. 

It is important to keep in mind when evaluating this insurance option that there will always be limitations. That is the name of the insurance game. Even if the coverage options can be better, it is still a lot better than having no insurance whatsoever. 

While Vrbo travel insurance might not cover all possible situations, it does offer an additional damage protection program that includes personal liability for accidental property damage. Guests will have a hard time finding this option with a third-party insurance provider. This is just one more reason why Vrbo travel insurance is worth it.  

How Can Hosts Protect Themselves?

While Vrbo travel insurance is aimed at protecting guests , there are other ways in which hosts can safeguard their short-term rental business. Here are two available options for Vrbo hosts:

A refundable damage deposit

In short, a Vrbo damage deposit can be used to cover property damage that occurred during a guest’s stay. As host, you have the option to decide on the amount that your guests will be charged upon booking. It won’t add any confusion to the booking process as the fee will be listed just like the cleaning fee, service fee, and any other additional fees. 

Guests will have to pay this refundable damage deposit upfront. Vrbo will then hold the amount for the duration of the guest’s stay. 

In the event that there was unfortunately property damage, hosts will have up to 14 days after guest checkout to send a damage claim. If no claim for damage gets submitted to the platform within this time period, the amount will simply be returned automatically to the guest. 

As for amounts claimed, Vrbo will generally process the payment within a week. If the amount that you claimed was less than the total of the damage deposit, the rest will be returned to the guest. 

The only real downside to charging a refundable damage deposit is that it might discourage guests from making a booking. That said, most guests understand the reason for doing so and understand that unless something goes wrong, the amount charged will be returned to them promptly. 

Keep a card on file 

This approach is currently the default damage deposit policy of Vrbo. Basically, by opting to keep a card on file, the vacation rental platform will save the credit card details of a guest on their system. 

Similarly to when a refundable damage deposit was charged, a host will then have up to 14 days after checkout to submit a damage claim. If a claim was filed, Vrbo will take it upon them to notify the guest by sending them an email with the amount that is claimed as well as a description of the property damage. 

If you are worried about how secure this option is, you can rest assured knowing that Vrbo will cover the damage if the credit card has reached its limit or has expired.

Should Hosts Get Extra Third-party Insurance for Vacation Rentals?

In addition to charging a refundable damage deposit or asking Vrbo to keep a card on file, short-term rental hosts are strongly urged to invest in additional third–party vacation rental insurance. 

The reason for this is that neither of these approaches offer total protection. Also, while Vrbo offers an attractive liability insurance for damage to another person’s property or traveler injury, this, too, has a number of exclusions. 

In the US, the platform officially endorses Proper Insurance as their preferred comprehensive home insurance. In the hosting community, Proper is also one of the most popular insurance providers. However, many hosts have commented that they are quite expensive. If Proper does not fall within your budget, you can also try:

• Farmers Insurance
• RentalGuardian

Wrapping Things Up

Both guests and hosts are encouraged to sign up for insurance. It might be an extra cost, but it can prevent many tears and headaches. 

When you are making the wise choice by signing up for an insurance policy, also remember to read your terms and conditions carefully. The reality is that no insurance plan is perfect and you will always find that it lacks coverage in certain areas. By doing your homework, you can possibly get an extra policy or at least know beforehand in which event you won’t be covered. 

Guests often think only about the travel cost. However, when they are renting a vacation rental property, there is also a chance that the property might get damaged. As this can have a direct impact on hosts, it is also a good idea that hosts urge their guests to take advantage of the property damage protection program offered by Vrbo. 

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Travel Erudition

Is vrbo travel insurance worth it?

There’s no simple answer to whether or not VRBO travel insurance is worth it. On one hand, if you’re worried about losing money if you have to cancel your trip, travel insurance can give you some peace of mind. On the other hand, travel insurance can be expensive, and it may not cover everything that you’re worried about. Ultimately, you’ll need to weigh the cost of the insurance against your own personal level of risk tolerance to decide if it’s worth it for you.

There is no simple answer to this question as it depends on a variety of factors. Some people may find that the peace of mind offered by travel insurance is worth the cost, while others may not feel that it is necessary. It is important to consider your own personal risk factors when deciding whether or not to purchase travel insurance.

Should I buy trip insurance on VRBO?

It is always a good idea to have insurance for your rental property, no matter what type of property it is. This is because anything can happen and you are trusting other people to stay in your rental. You need to have them treat it as if it was their own, but this is not always the case.

Vrbo’s $1M Liability Insurance program is a great way to protect yourself in case of any accidents or damages that may occur during your stay. However, it is important to note that this program only applies to liability claims, and does not cover any damages to your own property. Additionally, the $1M Liability Insurance program only applies when the reservation is processed online through Vrbo checkout.

Can you get money back from VRBO

If you have any questions about refunds, please contact our customer support team.

If you’re considering buying travel insurance, it’s important to know that most policies will not cover trip cancellations or interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel. This includes events like the current outbreak of the coronavirus (COVID-19). So, if you’re planning a trip and are worried about the possibility of cancellation or interruption, you may want to consider alternative options.

When should I buy trip cancellation insurance?

It’s always best to buy travel insurance as soon as you make your reservations. The sooner you buy coverage, the sooner you’ll be protected and the more benefits you may be eligible to receive.

A travel insurance policy is a great way to financially protect yourself when traveling. Most policies will cover you in the event of an accident or illness, and will also provide financial protection if your luggage is lost or stolen. While most people never have to use their travel insurance, it’s always good to know that you’re covered in case something does happen. Travel insurance is usually very affordable, so it’s definitely worth the peace of mind it provides.

What kind of insurance do I need for a vacation rental?

If you regularly rent your vacation property, you need business insurance. The proper insurance policy is comprehensive. This means there’s full coverage in place whether it’s being rented, vacant, or being used by the owner or their guests.

Trip Cancellation insurance is a must-have for any traveler. It protects you from losing money if you have to cancel your trip for a covered reason. The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster, among others.

Does Vrbo travel insurance cover hurricanes

If your property is affected by a natural disaster and you need to cancel a reservation, contact us and we will waive the cancellation fee.

If you cancel a reservation, you will get 100% refund as long as you are within the refund window. The host will automatically refund the service fee, and we will refund the commission and payment processing fees.

Is there a class action lawsuit against Vrbo?

The plaintiff, who rented a VRBO property in Galveston, Texas, alleges that she was wrongfully denied coverage under the travel insurance policy she purchased after the VRBO property she rented was damaged by Hurricane Harvey.

The plaintiff is seeking class action status on behalf of allVRBO renters who purchased travel insurance through the company and were denied coverage for hurricane-related damages.

This is a developing story, and we will provide updates as more information becomes available.

If you haven’t received a response from the host, please check to make sure that you have received an inquiry confirmation email from Airbnb. This email should confirm that your inquiry has been delivered to the host. If you have not received this email, please contact Airbnb customer service for further assistance. Thank you!

Does travel insurance cover 100%

If you have to cancel your trip due to a covered reason, most policies will reimburse you 50% to 75% of your trip cost. This can be helpful if you’re feeling uncomfortable traveling due to COVID-19 cases or quarantine recommendations. Be sure to check the individual policy for what is covered and what is not.

A comprehensive insurance policy usually covers delays, cancellations due to sickness or death, lost luggage and some emergency medical costs. This can give you peace of mind when travelling, knowing that you are covered for a range of potential problems.

What gets covered in travel insurance?

Travel insurance is a type of insurance that covers different risks while travelling. It covers medical expenses, lost luggage, flight cancellations, and other losses that a traveller can incur while travelling.

There are a lot of different factors to consider when choosing the best medical coverage for your needs. GeoBlue is our top pick for medical coverage. They offer a wide range of plans and coverage options, so you can find the perfect fit for your needs. Travelex is another great option for medical coverage. They offer a variety of plans and coverage options to meet your needs.

Final Words

This is a difficult question to answer as it depends on a variety of factors. Some people may find that the insurance is worth it while others may not. It really depends on the individual and their specific needs.

After researching the topic and reading various reviews, it seems that VRBO travel insurance is not worth it for most people. The main complaints are that it is difficult to file a claim and that the coverage is not as comprehensive as other travel insurance policies.

Scott Johnson

Scott Johnson is passionate about traveling. He loves exploring new cultures and places, and discovering the world around him. He believes that travel can open up new perspectives and opportunities for growth and development. Scott has visited many countries in Europe, Africa, South America, and Asia, and he continues to seek out new destinations for his adventures.

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Do You Need Vrbo Insurance?

Last updated: March 2024

Whether you’re new to listing on Vrbo or a seasoned host, understanding your insurance options will help you protect your investment and provide a safe experience for your guests. Here’s what you need to know about Vrbo’s insurance policies as well as the benefits of having adequate insurance to cover your property and the people who book it.

Don’t see the form to download our Ultimate Guide to Listing on Vrbo? Click here .

Benefits of having Vrbo Insurance

Having Vrbo insurance offers a layer of protection that hosts can’t afford to ignore. It not only safeguards your property against potential damages but also provides coverage for unforeseen circumstances that could impact your rental income.

What about your homeowner’s insurance or personal protection policy? Most vacation rental owners have homeowners or landlord insurance policies. Both of these are great to have, but they both come with their own gaps due to the fact that the rental property doesn’t necessarily fall into either of these categories.

With Vrbo insurance or your own additional rental property insurance, you’re investing in peace of mind, knowing that you’re shielded from financial losses while providing a safe and secure environment for your guests. It’s a small step that brings significant benefits to your hosting business.

What is Vrbo’s insurance policy?

Vrbo’s $1M Liability Insurance program , included at no extra charge, covers liability claims such as traveler injuries or damage to another person’s property. However, it’s crucial to note that this coverage applies only to reservations made online via Vrbo’s checkout.

In the U.S., Vrbo endorses Proper Insurance as their preferred provider for comprehensive home insurance. This policy, designed specifically for vacation rentals, is an annual commercial homeowners insurance that completely supersedes your existing homeowners or landlord insurance policy. It’s tailored to offer extensive protection, catering precisely to the unique needs of the vacation rental industry.

Should you get additional vacation rental property insurance?

While Vrbo’s insurance programs provide a substantial level of coverage, you may still want to consider the specific requirements and risks associated with your property.

Namely, you’ll want to check the mandatory insurance requirements in your state or locality . These regulations vary widely and may necessitate additional coverage beyond what Vrbo provides.

Additionally, consider the potential costs and benefits. Additional insurance often involves an extra financial investment, but it can also offer greater peace of mind and financial protection. This can be especially important if you’re renting a luxury villa or if your rental includes expensive furniture or amenities you’d like to protect.

Ultimately, the best course of action is to thoroughly evaluate your unique situation and risk tolerance. Consulting with an insurance professional can also provide insights tailored to your specific needs.

• Help Home keyboard_arrow_right

Cancel a reservation and receive a refund

Cancel a reservation.

• Sign in to your Vrbo account.
• Select your account name and choose  My Trips .
• Select the reservation you wish to cancel.
• In the Trip Details  section, review the property's cancellation policy.
• Choose Change or Cancel .
• Select Cancel Booking . Once done, a Virtual Assistant window will appear to walk you through canceling the reservation.
• If Expedia can cancel your reservation, it will be cancelled automatically. However, some requests will be submitted to the host to process. Follow-up with the host if you do not hear back about your cancellation within 24 hours.  

About refunds

Travel protection products.

• About the service fee Help Article
• About the Book with Confidence Guarantee Help Article
• Change your reservation Help Article

We’re here for you before, during and after your stay

From the moment you book until your trip is over, we’re here to help your stay go right. Learn more about our Book with Confidence Guarantee and other benefits that we provide every time you book and pay through Vrbo.

Before your stay

Here’s how we protect your trip before it even begins.

Selecting Premier Hosts

Our Premier Hosts consistently provide great experiences for their guests. When you see Premier Host on a property, you can feel more confident about the property description, photos and amenities.

Protecting your payments

When you pay through Vrbo, we protect your rental payment against fraud. If your payment ends up in the hands of someone other than the host, we’ll pay you bAck.

Screening for fraud

Verified accounts, background checks and fraud checks are a few of the ways that we are screening for fraud.

Re-booking when you need it

It doesn’t happen often, but if a host has to cancel a booking at the last minute, we have dedicated re-booking specialists here to help you book similar accommodation.

During your stay

We’re here to help your stay go smoothly.

Helping you with our dedicated care team

Our experts are available to answer any questions that come up during your stay. If you need help contacting the host or just have some questions, we’re here to help.

Lodging if you’re in need

If you can’t get into the property or if you discover that it was significantly misrepresented online (fewer bedrooms, material defects etc.), let us know in the first 12 hours. We’ll try to find you new accommodation so your trip can go on smoothly.

After your stay

Even after your trip is over, we’re still here to help.

Protecting your damage deposit

If the host wrongfully withholds your damage deposit after your stay, we’ll help you get it back.

Want more specifics on our Book with Confidence Guarantee?

Get trip insurance.

In addition to the benefits that you get every time you book through HomeAway, you may want additional protection for your trip. Consider purchasing one of these trip insurance options from our partners.

Cancellation Protection

Get reimbursed for non-refundable trip costs if you have to cancel because of illness, injury, weather-related cancellations, theft of visa or passport, or involuntary loss of employment.

Damage Protection

Get additional protection from extra expenses due to accidental damage to the property during your trip.

Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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From Florida to California, see the luxurious vacation rentals Vrbo ranks among best in US

From tiny homes to all-inclusive resorts , travelers today have more options than ever for where to stay on vacation. 

Vrbo highlighted some of its most remarkable U.S. properties Wednesday in its third annual Vacation Rentals of the Year list.

“What stands out to me is the variety in this year’s Vacation Rentals of the Year — from cool places with game rooms for kids to wine caves for grown-ups, at nightly rates ranging from $550 to (over) $3,000,” Jon Gieselman, president of Expedia Brands, said in a statement. “What’s new and makes it even better is that when you book any of these properties, you earn OneKeyCash back that you can use on your next vacation. No other major player does that.”  

The nine homes were chosen from more than 2 million Vrbo properties . Among other criteria, Vrbo said all of this year’s picks have:

• A 4.9 or higher star rating 
• Positive guest reviews  
• Standout amenities and spaces for spending time together with friends and family 
• Premier Host status  

Here are Vrbos 2024’s Vacation Rentals of the Year.

Are vacaton rentals cheaper than hotels? It depends on your trip

1. Sedona, Arizona – “ Palatial Paradise Estate ” 

2. big sky, montana – “ fire lookout towers ” , 3. inlet beach, florida – “ paradise found ” , 4. austin, texas – “ toro canyon ", 5. glen ellen, california – “ villa montebella ” , 6. sand lake, michigan – “ sandy lakehouse ” , 7. epworth, georgia – “ miracle creek retreat ”, 8. winchendon, massachusetts – “ copley’s lakefront cottage ” , 9. st. john, u.s. virgin islands – villa cin cin ”.