Berkshire Hathaway Travel Protection
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Berkshire Hathaway Travel Protection is headquartered in Wisconsin and built its reputation on fast claims payment, using fixed-benefit amounts for certain covered events rather than requiring extensive documentation and a lengthy review before a check goes out. Plans bundle trip cancellation and interruption with emergency medical, evacuation, and baggage coverage, with tiers scaling the medical maximum and cancellation limits.
Pre-existing conditions can be covered under the standard early-purchase waiver found across this category, generally within about 2 weeks of the first trip deposit. Medical coverage is secondary to other insurance held. The company's A++ rating, the top tier AM Best issues, is a genuinely strong signal of financial backing behind the policy, worth weighing alongside price when a traveler is choosing between several comprehensive plans that look similar on paper.