generali travel insurance airbnb

Travel insurance and assistance services for US residents

Travel is rewarding, but sometimes things don’t go as expected. People can get sick, flights can get canceled, and bags can go missing. To help protect you financially, there’s travel insurance and assistance services.

Airbnb guests who live in the United States can add travel insurance and assistance services on the checkout page or after booking. The policy is underwritten by Generali US Branch and offered by Airbnb Insurance Agency LLC.

Don’t live in the US? Travel insurance is also available to residents of certain Canadian provinces , and residents of the United Kingdom and certain countries in the European Union . Reservation insurance is available to residents of France. And guests everywhere can purchase travel insurance outside of Airbnb, directly through a travel insurance company’s website or by shopping around on a comparison site.

Adding insurance to your reservation

If your reservation is eligible, you’ll be given the option to add travel insurance and assistance services on the checkout page. You’ll also be given the option to add travel insurance and assistance services after you book—just look for the Add to your trip button on your booking confirmation email and reservation details page.

Before adding travel insurance and assistance services to your reservation, be sure to review all the details to make sure it’s right for you.

Shortly after your travel insurance and assistance services purchase is confirmed, you’ll get an email that includes a copy of your plan, as well as a link to your plan details page, where you can cancel your plan, start a claim, and more.

Making changes to your reservation

Your travel insurance and assistance services plan will be automatically updated if the dates of your reservation or guest count change and there is no claim on the existing policy. If the change impacts the total price of your reservation, you’ll be charged or refunded an adjusted amount for your travel insurance and assistance services.

What’s covered

Travel insurance through Generali covers:

• Trip cancellation : Get reimbursed for up to 100% of your Airbnb reservation cost if you need to cancel for a covered reason, such as illness or a flight cancellation due to weather. Note that events that have already happened or are foreseeable when you purchase the policy, such as a named hurricane, aren’t covered.
• Travel delay: Get reimbursed up to $750 per person if your trip is delayed for 24 hours or more for a covered reason, such as a flight delay or stolen passport. Covered expenses may include meals, a place to stay, and parking costs.
• Medical : Get reimbursed up to $50,000 per person for hospital and ambulance services, prescription drugs, and certain other doctor-ordered medical services. Note that pre-existing medical conditions may not be covered, as outlined below.
• Baggage : Get reimbursed up to $1,000 for luggage, personal items, and travel documents that are lost, stolen, or damaged. Note that portable electronics like laptops and cell phones aren’t covered.
• Baggage delay : Get reimbursed up to $250 per person for clothing, toiletries, and certain other expenses if your baggage is delayed for 24 hours or more.
• Sporting equipment : Get reimbursed up to $1,000 per person for sporting equipment that’s lost, stolen, or damaged. Note that normal wear and tear isn’t covered.
• Sporting equipment delay : Get reimbursed up to $1,000 per person for rentals and certain other expenses if your sporting equipment is delayed for 24 hours or more.
• Trip interruption : Get reimbursed up to 150% of your Airbnb reservation cost for unused nights if your trip is delayed or cut short for a covered reason, such as illness or injury. Certain transportation expenses may also be covered.
• Emergency transportation : Get reimbursed up to $100,000 per policy for medical evacuation, and certain other expenses if you get sick or injured while on your trip.

Coverage for COVID-19

Although pandemics aren’t covered by travel insurance, COVID-19 may be covered in some situations because it’s an illness.

Please note that if you file a claim due to COVID-19, you’ll be asked to provide documentation showing that you, a family member (for example, your child), or someone staying with you at the Airbnb accommodation tested positive while under the virtual or in-person supervision of a qualified medical professional.

Coverage for pre-existing conditions

A pre-existing medical condition is an illness or injury that first manifested itself, got worse, or required treatment in the 180-day period before the insurance was purchased.

Pre-existing conditions are covered as long as you buy insurance within 15 days of booking, and while you’re medically able to travel. (Note that the 15-day requirement doesn’t apply to New York residents, who must only be medically able to travel at the time of purchasing insurance.)

Consult your policy for further details.

Assistance services

Each plan comes with assistance services like a 24-hour emergency hotline, concierge services, and roadside assistance. The amount you’ll be charged for travel protection includes a fee for these services.

Who’s covered

Each plan covers you and up to 9 people staying with you at the Airbnb accommodation. These people don’t have to be added to the Airbnb reservation or named on the policy in order to be covered, and there are no age restrictions.

Canceling your plan

US residents can cancel their travel insurance and assistance services plan within 10 days of purchase for a full premium refund. Please note that you can’t cancel your plan after you’ve departed on your trip or started a claim, even if you’re within your cancellation period.

To cancel your plan, just go to your plan details page and select Cancel plan .

Filing a claim

Claims are handled by Generali from start to finish. You can start a claim by going to your policy details page and selecting Start a claim , or by contacting Generali directly.

How to get help

If you have questions about your travel insurance and assistance services, need help with a claim, or want travel assistance, contact Generali by calling (866) 757-0010 or emailing [email protected] .

For medical and travel emergencies, call (877) 243-4135 or collect worldwide at (240) 330-1529.

Travel insurance coverages are underwritten by: Generali U.S. Branch, NY (NAIC #11231) and offered by Airbnb Insurance Agency LLC, CA Lic. No. 6001912.

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Is Airbnb Travel Insurance Worth It?

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Travel insurance can protect you in the event of unforeseen delays or cancellations, but whether you should pay extra for it — or rely on what might already be included in the booking — is a perennial question.

We have some answers for you if you’re wondering, “Is Airbnb insurance worth it?”

Here’s the lowdown on what Airbnb insurance covers and what you’ll be on the hook for if you choose not pay extra for it.

What does travel insurance for an Airbnb rental cover?

This type of travel insurance protects the cost of your Airbnb rental if you encounter unexpected disruptions to your travel before or during your trip.

These policies are underwritten by Generali Global Assistance in the U.S. and Aon and Europ Assistance Group abroad. The insurance coverage is available in nine countries where Airbnb offers rentals and will cover up to 100% of your payment if you cancel for a covered reason.

Examples of covered reasons include a delayed flight that prevents you from arriving at your rental on time or having to cancel the trip because you got sick. Other obstacles might include your bags getting lost en route or a hurricane thwarting your plans. Travel insurance for an Airbnb rental would protect you in these situations.

These are some of the covered protections that come with Airbnb travel insurance:

Trip cancellation for a covered reason.

Flight cancellation due to weather.

Illness or injury.

Trip delay of more than 12 hours.

Loss of baggage. 

Natural disasters.

Theft during the stay.

Stolen travel documents.

In the above instances, Airbnb travel insurance would reimburse you the non-refundable cost of the rental. Without insurance, if you had to cancel, you would be subject to the host’s cancellation rules — which could include forfeiting the entire cost of the rental.

» Learn more: How to book an Airbnb

Is Airbnb travel insurance worth it?

Since you can’t see into the future, this type of travel insurance can help protect expensive Airbnb rentals if you can’t make your trip as originally planned.

Remember that Airbnb travel insurance only covers the cost of the rental, not any other related expenses like airline tickets, car rentals or transportation to the property.

To determine if Airbnb travel insurance is worth it, it’s important to know what other types of insurance you already have. Do you have any travel protection through your credit card ? If so, that may be more than enough to cover your Airbnb rental, and purchasing an Airbnb travel insurance policy wouldn’t be necessary.

If you want to rely on another form of travel insurance, a comprehensive plan may offer more protection — like covering additional costs associated with travel disruptions — but it can also be more expensive than what Airbnb offers. A good place to check for the best travel insurance for Airbnb is NerdWallet’s list of best travel insurance companies , where you can compare different options.

» Learn more: What to know before you book an Airbnb

Don’t I already have this with Airbnb AirCover?

No. AirCover protects renters from issues that are within the host’s control, whereas travel insurance protects the renter from things outside of the host’s control, like flight disruptions or personal illness.

AirCover protects the renter if the rental doesn’t meet the advertised standards or if the host cancels at the last minute. It also covers operational issues like a broken heater or if the number of bedrooms didn’t match the listing.

Essentially, AirCover assures travelers that their rental is what was advertised. If any issues arise, Airbnb will help you find a comparable alternate rental within the same price point. Alternatively, if you’d prefer not to be rebooked, Airbnb may issue a full or partial refund.

» Learn more: Are Airbnbs more cost-effective than hotels?

How do you get Airbnb travel insurance and how much does it cost?

If you want to add Airbnb travel insurance to your reservation, it’s easy to do during the reservation process through the Airbnb booking platform. The cost will vary and is based on a percentage of the overall trip cost.

Remember, if you use a credit card with ample travel insurance, you might already be protected.

Can you cancel Airbnb travel insurance?

If you need to cancel travel insurance purchased through Airbnb, it’s possible to do so within 10 days of purchase. For residents of Indiana, you can cancel within 30 days of purchase. However, once the trip begins, you can’t cancel it.

» Learn more: How to get an Airbnb discount

Should I get Airbnb travel insurance?

Is Airbnb insurance worth it for guests? Yes and no. It depends on how you purchase your travel.

If you use a credit card with ample protections already, then you may be fine. Otherwise, a travel insurance policy can help you recoup the cost of your rental in the event of a travel disruption.

Ultimately, it will come down to your own personal risk tolerance, but it’s nice to have the option when booking with Airbnb.

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Airbnb Travel Insurance for Guests | What it is and How it Works

Traveling opens doors to new experiences and cultures, but unexpected events can disrupt even the best-laid plans. Trip cancellations, flight delays or medical emergencies can leave you scrambling for solutions and facing financial losses. This is where travel insurance steps in, offering a safety net for unforeseen circumstances.

Airbnb, recognizing this need, offers travel insurance as an add-on purchase for guests during the booking process. But how does it differ from the existing Airbnb Host Guarantee programs like AirCover for guests? Let's delve into the world of Airbnb travel insurance and understand how it can protect your next Airbnb adventure.

AirCover vs. Travel Insurance

It's important to distinguish between Airbnb travel insurance and AirCover for guests . AirCover is a free program offered by Airbnb. It acts as a safety net for situations directly related to the host or the listing itself.

Let's dissect what AirCover covers:

• Listing inaccuracy: Did the pool in the pictures turn out to be a kiddie inflatable? AirCover comes to the rescue if the listing significantly differs from reality and the host can't rectify it. Guests will be assisted in finding similar accommodation or offered a full or partial refund.
• Host cancellation within 30 days: Imagine booking your dream getaway only to have the host cancel last minute. AirCover ensures guests aren't left scrambling. It will help them find alternative accommodation or provide a full refund.
• Unable to check-In (host's fault): You arrived at your stay, but the host is nowhere to be found, or there's a problem with access? AirCover steps in, helping guests find a similar place or offering a full refund depending on the circumstances.

In these scenarios, Airbnb will help you find a similar place to stay or offer a full or partial refund.

Travel insurance

Travel insurance acts as a broader umbrella, shielding guests from a wider range of potential disruptions beyond the scope of AirCover.

Unlike AirCover, travel insurance is an optional add-on purchased during the booking process. It's provided by a third-party insurance company, currently Generali Global Assistance in the US and Europ Assistance Group in other parts of the world) and offers broader coverage for unforeseen circumstances outside the control of you and your host.

What does Airbnb travel insurance cover?

Airbnb travel insurance offers a safety net for various situations that could derail your trip. Here's a breakdown of some key coverages:

• Trip cancellation: If you need to cancel your trip entirely for a covered reason, you can be reimbursed for up to 100% of your non-refundable Airbnb booking cost. Covered reasons typically include illness, injury (to yourself or a travel companion), natural disasters at your destination or unexpected work obligations.
• Trip interruption: Imagine having to cut your Airbnb stay short (due to a covered reason). You can get reimbursed for the unused portion of your accommodation cost, potentially up to 150% (including the initial cancellation reimbursement). This additional 50% might cover some additional expenses incurred due to the disruption.
• Travel delay: Flight delays can wreak havoc on your itinerary. If your trip is delayed by 24 hours or more due to a covered reason (like bad weather or a mechanical issue), you might be reimbursed for expenses like meals, accommodation and local transportation incurred during the delay, up to a certain limit per person (typically $750).
• Emergency medical and evacuation: Accidents or sudden illness can occur anywhere. You get coverage for medical expenses and emergency medical evacuation (including repatriation) if needed during your trip.
• Baggage delay or loss: Misplaced luggage can throw a wrench in your travel plans. If your checked baggage is delayed or lost for 24 hours or more, you might be reimbursed for essential items like toiletries and clothing to tide you over until your luggage arrives.

What does Airbnb travel insurance NOT cover?

This depends on how the coverage is defined and the country of residence of the Airbnb traveler. For example, UK residents are not covered for travel costs such as flights, trains and ferries as well as pre-existing medical conditions.

Policy details relevant to each country including areas of coverage and key exclusions can be found here .

How Does Airbnb AirCover Work with Airbnb Travel Insurance?

Airbnb’s AirCover for guests and travel insurance are two different but complementary products that work well together. For example, if a guest arrives at their destination only to find the host has canceled the reservation at the last minute. Meanwhile, they are informed at the airport that their baggage is missing. While AirCover will help the guest find a new place to stay at no extra cost, they can file an insurance claim to get reimbursed for their missing baggage.

Key Considerations for Guests When Choosing Travel Insurance

While AirCover offers valuable protections related to Airbnb itself, Airbnb travel insurance provides a broader safety net for various trip disruptions.

By understanding the coverage details and comparing it to your specific needs and risk tolerance, you can decide if Airbnb travel insurance is a worthwhile addition to your Airbnb booking. Here are some additional tips:

• Compare costs: Don't just rely on the travel insurance offered during booking. Consider comparing it with independent travel insurance providers to see if you can find a better deal with similar coverage.
• Read reviews: Researching online reviews of Generali's travel insurance can give you insights into their claim settlement process and customer service.
• Consider trip protection on credit cards: Some credit cards offer trip cancellation or interruption insurance as a benefit. Check your credit card's benefits to see if it might already offer some coverage.
• Always review the full terms and conditions of any travel insurance policy before purchasing.
• File claims promptly according to the insurer's guidelines.
• Keep all documentation related to your trip cancellation or disruption, including receipts and communication with the host or airline.

By being prepared with Airbnb travel insurance, you can embark on your Airbnb adventure with greater confidence, knowing you have some financial protection if the unexpected arises. Now you can focus on creating lasting memories during your stay!

Who should consider Airbnb travel insurance?

Travel insurance can be a wise investment for:

• Those with non-refundable bookings: If you've booked an Airbnb with a strict cancellation policy , travel insurance can provide peace of mind in case unforeseen circumstances force you to cancel.
• Those booking expensive trips: For trips with a significant financial investment, travel insurance can help mitigate potential losses due to cancellations or interruptions.

Ready, Set, Go!

Airbnb travel insurance is more than just a step in creating new revenue streams. It’s also a means of providing added convenience to users inclined to purchase travel insurance while keeping them inside the Airbnb platform.

By incorporating this optional safety net, you can approach your Airbnb adventure with a sense of security, ready to embrace the possibilities and forge unforgettable memories. Remember, travel insurance provides a financial buffer, but prioritizing safety and well-being throughout your travels should always be your top priority. Now, bon voyage!

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Airbnb Travel Insurance for Guests: Cost, details, limitations, differences with Aircover

Thibault Masson

Updated on: July 21, 2022

Airbnb is rolling out its guest travel insurance in the US, the UK, and 8 countries of the European Union . The company had been working on it for at least two years. Unlike its Aircover for guests program, which is free, this travel insurance is a paid product . Travelers can purchase it while completing their booking. Big insurance company names are behind the insurance program (e.g. Europ Assistance, Generali, AON). Let’s discover what Airbnb’s travel insurance exactly covers, when it can be used, and wha t impact it can have on existing host cancelation policies . We’ll also see why it is difficult to roll out a travel insurance offering globally.  

Airbnb is not the first vacation rental listing platform to be offering travel insurance to its guests. Vrbo has been selling travel insurance products in the US created by Generali (formerly CSA Travel Protection) for years. At a time when online travel agents like Hopper are promising incremental revenues from FinTech products to their investors, it is also good for Airbnb to announce a way to make money on insurance products, after giving away host insurance liability for free, for instance.

Where is Airbnb’s travel insurance available?

Airbnb is launching its guest travel insurance in the following countries:

• the Netherlands,
• Austria, 

Airbnb is planning on making its travel insurance available to guests in other countries in the future. Our guess is that Airbnb will then go after other markets in the European Union, such as France, as it already has set some insurance operations within the EU. Then, other countries with similar insurance industry setups such as Australia come could.

Rolling out insurance is really a matter of going at it country by country and even state by state in the US. Insurance regulations are very strong and differ from one country to another in the EU and one state to another in the US.  

For countries in South America, parts of Asia, and Africa, things will probably take more time.

What does the Airbnb travel insurance cover and when can a guest make a claim? Disover this trip cancellation insurance which does not infringe existing host cancellation policies.

What the airbnb travel covers, for instance, in the us:.

In the US, the Airbnb travel insurance is powered by the Generali insurance company. The plan includes:

• Trip cancellation:  Get reimbursed for up to 100% of your non-refunded Airbnb reservation cost if you cancel for a covered reason, such as: iIllness or injury, flight cancellations and delays due to weather, or mandatory evacuations due to weather.
• Travel delay:  Get reimbursed for certain additional expenses you incur because your trip is delayed for 12 hours or more for a covered reason, such as: flight delays, passport theft, or adverse weather.
• Medical:  Get reimbursed for doctor-ordered medical services during your trip, such as: hospital services, ambulance services, and prescription medicines.
• Baggage:  Get reimbursed for lost, stolen, or damaged baggage, lost, stolen, or damaged travel documents, and unauthorized use of credit cards during your trip.

The plan also comes with other coverages and perks, like 24/7 emergency and travel assistance services. With just a phone call, you can get help with anything from a medical referral to a restaurant recommendation.

What does the Airbnb travel insurance mean for a host?

Airbnb’s travel insurance for guests promises a payment for up to 100% of their non-refunded Airbnb reservation costs if their trip is impacted by specific events, such as

• bad weather,
• stolen travel documents,
• or serious illness.

Airbnb’s travel insurance is more like a trip cancellation insurance that works under certain conditions than a cancel-for-any reason insurance product.

Basically, if a traveler has to cancel their trip:

• The existing host cancellation policy will apply.
• Let’s take the example of a booking made under the Airbnb Strict cancellation policy . It allows guests to receive a full refund if they cancel within 48 hours of booking and at least 14 days before a listing’s check-in time. In the event of a cancellation within 48 hours, the guest is only entitled to a 50% refund, regardless of how far out the check-in date is. S o, the host only pays back 50% of the Airbnb reservation cost.
• Now, if specific events listed and covered by the Airbnb travel insurance occur, then travel insurance can refund up to the remaining 50% .
• Note that, unlike with Aircover, the insurance provider will not seek to recover any money from the Host if a guest files a travel insurance claim

What exactly is the “Airbnb booking cost” that is covered?

To our understanding, the Airbnb booking cost is what the guest pays to the host. It may or may not include Airbnb’s service fee. Depending on the existing host cancellation policy, the travel insurance will pay the guest the part of the booking cost that the host got to keep as per the cancellation policy.

For example, if the Host refunds 50% of the Airbnb reservation cost based on their cancellation policy, travel insurance can refund up to the remaining 50% if the guest cancels for a covered reason.

How about COVID-19?

At Airbnb, for any booking made on or after May 31, 2022, being sick with COVID-19 will no longer be considered an extenuating circumstance. This is also the case on most online travel platforms such as Booking.com and Vrbo?

According to Airbnb, its guest travel insurance “could” cover costs related to COVID as it can cover “serious illness”: “If a guest purchases travel insurance, they could be covered should they become sick with COVID-19 (as diagnosed by a licensed doctor) and other policy terms are met. So, it may depend on where the guest booking is from, among other things.

If they are worried about having to cancel a trip due to COVID-related reasons,  Airbnb recommends travelers buy travel insurance. So, it would make sense that Airbnb started selling such an insurance product to its guests.

How can you buy guest travel insurance on Airbnb?

Guests get the option to purchase travel insurance during the booking process. The Airbnb guest travel insurance cannot be bought separately or after the booking has been made.

• During booking, guests are given the option to add travel insurance.
• Dedicated screens provide details about what the policy covers and key exclusions.
• If they’re interested, guests simply add travel insurance to their booking and check out.
• The guest’s travel insurance premium is a percentage of their total trip cost and will appear as a line item at checkout. 
• After completing their reservation, guests who added travel insurance will receive an email confirmation with their policy’s details and information about how to file a claim

Is it free or paid?

The Airbnb travel insurance is not free, can be purchased at booking time and covers up to 100% of Airbnb booking cost 

How much does the Airbnb guest travel insurance cost?

The cost of Airbnb’s travel insurance is not a fixed cost. It varies according to the total trip cost (as well as the location of the guest making the booking). The guest’s travel insurance premium is a percentage of their total trip cost and will appear as a line item at checkout. 

What are the differences between Aircover for guests (free) vs Airbnb travel insurance (paid)?

So here are the main differences with Aircover for guests:

• Aircover for guests is free, while Airbnb’s travel insurance is a paid product.
• Aircover relies on a set of processes that force hosts to pay back guests in case of major issues (e.g. impossible to check-in, a major listing feature missing such as air conditioning)
• Airbnb’s travel insurance is underwritten by large insurance companies such as Generali.
• Aircover for guests is triggered when things do not go well due to issues on the host side, while the guest travel insurance covers trip cancellations due to bad weather or the guest falling sick.
• While Aircover for guests often gets down to hosts refunding money to guests, Airbnb’s travel insurance is money paid by the insurance company to the guests (no money is retrieved from the host on top of the existing host cancellation policy).

Aircover for guests is a set of protections that rely on hosts refunding money. It is no insurance, unlike the guest travel insurance product being introduced 

Du ring its Summer 2022 Release event , Airbnb announced a program called “Aircover” which offers new booking protections for guests, for free. These are protections, not insurance. Basically, they rely on Airbnb’s ability to get money back from the host to the guest in case of a substantial breach in what the guest was expecting (e.g. Air conditioning or a swimming pool were listed by the host but they are not actually available at the property).

The protections offered to guests through Airbnb’s Aircover are presented as unique and ground-breaking. Yet, they look like a nice repackaging of existing services that companies such as Booking.com have been offering for years (e.g., helping find a place for the guest should the host cancel). Now, better packaging protections, giving them a name (Aircover), and merchandising them well on the website (Aircover is mentioned high on every listing page) make up good product marketing work. If competitors have been doing the same but have done a bad job at saying so, travelers will indeed have the impression that what Airbnb is offering for free is new and superior in terms of booking protections.

On the guest side, Aircover is no insurance product. It is more the sum of a series of policies and procedures imposed on the host, especially the recently updated and much-contested rebooking and refunding policy.

Aircover is about guaranteeing that Airbnb will either find a new place or refund the guest (e.g., Check-In Guarantee: If a guest can’t check in to a place and the host isn’t able to resolve the issue, Airbnb will find the guest a similar or better home for the length of their original stay at Airbnb’s expense, or we’ll refund them.

To deliver on its promises to guests, Airbnb needed to set the equivalent expectations upon hosts . This is why the company had previously informed its hosts that it was updating its Rebooking and Refund Policy . For instance, it has made it plain and clear to hosts that they may have to refund guests should the host cancel a booking or the guest find that something crucial promised in the listing was actually missing from the property. You will notice that this is the exact mirror of the protections offered to guests, and it makes sense: The money refunded to guests through Aircover actually comes from hosts having to refund them according to the updated rebooking and refund policy. 

Why did Airbnb make its travel insurance a paid product, while Aircover for guests and Aircover for hosts are free?

If Airbnb were to offer free travel insurance, it would also have to pay an insurance premium to a professional insurer . Given the volume of Airbnb bookings, it would represent a lot of money and would dent Airbnb’s profitability.

First, Airbnb would not need to cover all its guests, as some already have their travel insurance. Also, unless a reservation is non-refundable, a guest may have a chance to get their money back by canceling their booking or asking their host for some flexibility. Hosts may not like to hear it, but, in a way, flexible cancellation policies are a form of travel insurance for guests.

Second, Airbnb seems to see travel insurance as a money-maker. After all, Vrbo has been flogging insurance products to guests and owners for years, probably making a lot of money from its insurance provider Generali.

• In August 2021, during a quarterly earnings call, a financial analyst asked Airbnb leaders whether the take rate, currently at 15% on average, would increase in the future. The answers were quite interesting.
• First, Airbnb mentioned, “opportunities (such as) guest travel insurance”. So, the take rate could increase from commissions on travel insurance that Airbnb would sell to guests.

Another reason why it could be a paid product for guests is Hopper’s success at selling its “cancel any time” and “price freeze” guarantees. It shows that consumers are ok to pay for an added service. Airbnb’s shareholders may be happy to hear that the company is trying to increase its margins, as Hopper is doing. With the launch of Hopper Homes, the competition between the two companies is increasing.

What’s the impact of Airbnb’s travel insurance on existing host cancellation policies?

There is no impact on a host’s cancellation polic y. If a guest cancels, they forfeit whatever money was due under the cancellation policy they had signed up for. The host gets to keep the deposit.

What the travel insurance brings about is that the guest can ask the insurance company to refund the money that the host has kept for themselves (as per the existing cancellation policy).

So, Airbnb has found a way to enforce host policies, while allowing guests to lower their risk through travel insurance. According to the company, if travelers who buy a policy cancel their booking for a covered reason, they’ll be able to file a claim to seek reimbursement for up to 100% of their non-refunded Airbnb booking cost. This may reduce the possibility of guests asking Hosts for a refund outside the terms of their Hosts’ cancellation policies.

The challenges of offering an insurance product on a global basis

When Airbnb first revealed that its $1,000,000 Host Guarantee had gone global ten years ago, the industry wondered how Airbnb had pulled it off. How can they have created and launched such an insurance product globally? The answer was that the company could, as this was no insurance. This was a guarantee, built on processes and tools such as the Resolution Center . In some iffy cases, Airbnb was probably also ready to spend some money of its own the solve the issue. So, no need to care about local insurance regulations across 130+ countries. No insurance, just a guarantee.

It is somewhat easier to roll out a liability insurance program for hosts ( as Booking.com just did ), as the risk is a bit more standard and as insurance companies have some existing products that can be used. This is why Aircover for Hosts has a real liability insurance product, while, on the damage protection side, Airbnb is still relying on the Resolution Center.

The Airbnb Guest Travel Insurance has been in the works for almost two years!

• On March 30, 2020, during an emergency live stream held with Airbnb hosts in the thick of the COVID crisis, B rian Chesky announced that the company was working on travel insurance ,
• In 2021, Airbnb discreetly launched its Travel Insurance page and started recommending guests purchased a travel insurance product at the end of its booking process. Airbnb here was merely redirecting travelers to third-party websites, such as the travel insurance aggregator InsureMyTrip in the US and insurance company Europ Assistance (part of the Generali Group) in Europe,
• In August 2021, during a quarterly earnings call, Airbnb mentioned working on opportunities such as  “guest travel insurance”,
• On January 2, Brian Chesky confirmed in a tweet that the company was working on guest travel insurance

Who are the insurance companies behind Airbnb’s travel insurance?

It is always hard to pull off global coverage, as insurance is really more like a series of national businesses due to local regulations . Airbnb had to create subsidiaries that deal with insurance on local or regional levels, such as Airbnb Insurance Agency LLC in the US and Airbnb UK Services Limited in the UK.

Two partners with Aon + Europ Assistance Group (and its U.S. subsidiary, Generali Global Assistance), to introduce travel insurance for guests. Both AO

• For guests in the U.S., the travel insurance plan is offered by Airbnb Insurance Agency LLC , which is licensed as an insurance agency in all states of the U.S. and the District of Columbia, and underwritten by Generali US Branch of New York, N.Y.
• For guests in the U.K., travel insurance is underwritten by Europ Assistanc e SA. Travel insurance is arranged by Airbnb UK Services Limited . Airbnb UK Services Limited is an appointed representative of Aon UK Limited
• For guests in the EU, travel insurance is underwritten by Europ Assistance S.A., acting through its Irish Branch

Airbnb has been working on its guest travel insurance product for over two years and announced that it will be launching the product in Spring 2022. The COVID-19 pandemic has forced Airbnb to expedite the launch of this product. The company is launching its travel insurance as a paid product in 10 countries. More countries, at least within the European Union, should soon be covered.

Airbnb stacks this paid product on top of its free Aircover booking guarantees. This way, it wants to show that it is already offering a great level of protection but that money can buy guests something extra. It certainly does not hurt that insurance products have comfortable margins and that it is also a good move for Airbnb’s bottom line.

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Does Travel Insurance Cover AirBnb? Everything You Need to Know

Last Updated: July 17, 2023 April 3, 2024

Since it launched in 2008, Airbnb has become a household name among avid and casual travelers. By offering unique vacation accommodations and experiences, Airbnb is able to provide a service that many hotel chains simply can’t compete with. 

However, these stays often come with a steep price tag, with NerdWallet reporting that Airbnb stays can be more expensive than hotels for many solo travelers and couples. With high costs involved, it’s no surprise that Airbnb guests are looking to protect their trip investment in case they can no longer travel. 

Does Travel Insurance Cover Airbnb?

Yes, travel insurance policies can offer coverage for Airbnbs, or similar vacation rentals like VRBO. In the vast majority of cases, travel insurance providers will treat your Airbnb stay as it would a hotel, resort, or other type of lodging arrangement. This means your booking must be prepaid and nonrefundable in order to be covered by insurance. 

Some examples of coverage you may receive through a travel insurance policy for your upcoming Airbnb stay include:  

• Last-minute cancellations by your Airbnb host
• Airbnb booking cancellations due to you or someone in your group falling ill
• Your personal belongings being stolen from the rental property
• If you need to return home early for a covered reason
• If the Airbnb is or becomes uninhabitable

Having a travel insurance plan heading into an Airbnb stay offers plenty of benefits and protection as a guest. At a fraction of the cost of your stay, a policy can offer financial protection for you and your group.  

Does Airbnb Offer Travel Insurance?

According to Airbnb’s website , guests in the U.S., U.K., Germany, France, and other European Union nations buy travel insurance when booking a trip on Airbnb. This insurance is offered through Generali , and guests can add the policy to their booking when making a reservation. The premium will be shown as a line item at checkout. 

What Does it Cover?

The policy offered through Airbnb provides coverage for a wide-range of travel concerns and a competitive price. Coverage includes the following: 

• Trip Cancellation: Get reimbursed up to 100% of your Airbnb cost if you need to cancel due to serious illness or flight cancellations and mandatory evacuations relating to weather. The cancellation policy covers guests’ unused Airbnb reservation costs should they have to return home for a covered reason.
• Flight Delay : Receive up to $750 per person for covered delays more than 12 hours. 
• Medical Emergencies: Get reimbursed up to $50,000 for doctor ordered medical services including hospital bills, ambulance rides, and prescription medicines. This policy will not cover medical emergencies relating to a pre-existing medical condition unless stated otherwise.
• Baggage Loss & Delay: Guests can get reimbursed up to $1,000 per person for lost, damaged, or stolen baggage and travel documents, as well as unauthorized use of credit cards. If baggage is delayed, policyholders are covered for up to $250 in expenses to purchase necessary items such as toiletries and clothes. 

The above insurance coverage was accurate at the time of publishing this article, but is subject to change.You can see the full policy details  here .

How Much Does Airbnb Travel Insurance Cost? 

Much like most comprehensive  single-trip travel insurance policies , AirBnb’s travel insurance premium is a percentage of the total reservation cost. Generally, the cost of Airbnb travel insurance is similar to the cost of a policy purchased through a travel insurance provider or comparison site like  Squaremouth . Your premium will depend on the length of your stay, your trip costs, your age, and other risk factors. 

Should You Get Your Travel Insurance Through AirBnb ?

While Airbnb offers their own policy, it’s always smart to compare policies that offer similar benefits to find the best coverage for the best price. Cost and coverage can vary dramatically from one travel insurance company to the next, so we recommend comparing policies from multiple sources before making an insurance decision.

Some places to get quotes may include Airbnb, comparison sites, and airlines. 

Squaremouth’s Travel Insurance Recommendations:

For most trips that involve a vacation rental, we recommend a comprehensive travel insurance policy that includes the following benefits:

• Trip Cancellation : Provides reimbursement for your prepaid, non-refundable trip costs if you need to cancel for a covered reason, such as unforeseen injuries, illness, and natural disasters .
• Trip Interruption : Offers reimbursement for any unused, non-refundable trip costs if you need to end your trip early for a covered reason.
• Travel Delay : Covers the cost of food and accommodation if your flight is significantly delayed on route to your destination.
• Emergency Medical : Covers the cost of emergency medical services, including hospital bills and ambulance rides, if you experience an unforeseen illness or injury during your trip. Exclusions apply.
• Medical Evacuation : Will reimburse the cost of emergency medical evacuation transportation services if deemed necessary for adequate treatment.
• Baggage Delay : Provides reimbursement for clothes, toiletries, and other necessities if your baggage is delayed in transit by at least 24 hours.
• 24-Hour Travel Assistance : Every travel insurance provider on Squaremouth offers 24-hour support before and during your trip, as well as insurance claim assistance.

Is It Worth It to Get Travel Insurance For An Airbnb?

The financial cost of traveling can be significant, especially when considering the cost of Airbnb’s, airfare, and pre planned activities. Getting travel insurance can mitigate the risk of financial loss by providing comprehensive coverage for common travel disruptions, including medical emergencies, delays, and canceled flights. 

Be sure to read through all policies and their fine prints before choosing a plan. While Airbnb does offer generous coverage, it may not cover everything you plan to do on your trip. In this case, we suggest reviewing comprehensive policies from other reputable providers.

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Airbnb launches travel insurance

The product is now live for guests in the US, and the reputable insurance carrier is Generali.

Airbnb states in a post from June that over “the next few weeks,” guests from other countries including the UK, Germany, Spain, Italy, Ireland, the Netherlands, Belgium, Austria, and Portugal will also be able to buy travel insurance when booking a trip, and that it plans to make travel insurance available to guests in other countries in the future.

The Generali travel insurance plan covers trip cancellation, travel delay, medical, and baggage claims.

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The product has recently launched in the US in partnership with reputable insurance carrier Generali and will soon be available for users from various Europe-based countries, including the UK, Spain, Italy, Germany, Ireland, Portugal, the Netherlands, Belgium, and Austria. 

The new feature is part of the company’s new checkout interface that allows tourists to buy an extensive travel insurance that covers a series of potential risks regarding an upcoming trip, including 100% refund of the Airbnb reservation cost when the trip is cancelled.

What else does the Generali insurance cover?

Italy-based insurer Generali has partnered with Airbnb to provide customers looking for an exclusive trip abroad or in their country of residence an extensive insurance policy that covers series of group risks. So, apart from up to 100% refund when cancelling a trip, clients are also entitled to receive up to USD 750 per person for travel delays that are out of their control, as well as up to USD 1,000 per person for lost or compromised luggage.

Moreover, customers benefit from a medical insurance of up to USD 50,000 to cover medical costs (including emergencies) abroad. And, since the COVID-19 pandemic isn’t officially over and many states from Western Europe are now handling a new wave of cases, the Generali insurance will also cover the costs of the trip if one of the tourists are unable to travel due to a COVID-19 diagnosis.

However, the insurance will not kick in for travel disruptions caused by the ongoing pandemic, including quarantine mandates and border closures, which are out of the company’s control and differ from one state to another.

How does the travel insurance work with AirCover?

Every Airbnb booking includes AirCover which protects from significant issues customers might experience during their stays. The travel insurance will reimburse clients’ Airbnb reservation costs if they need to cancel their trip du to illness, flight delays, and more. 

However, customers should note that the travel insurance is separate from AirCover and the two are not synonyms. Therefore, travellers need to read the online booking platform’s policy and disclosures to see how they can pay and benefit from the travel insurance in partnership with Generali.

The cost for a travel insurance depends on the duration of the trip and various other factors and is usually priced for around USD 70.

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Generali Travel - USA   Reviews

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Reviews 3.4.

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Easy to navigate

Easy to navigate, with details of plans explained nicely. My only complaint is to have dual options for the policy to be sent by Email and regular mail.

Date of experience : April 15, 2024

Reply from Generali Travel - USA

Thank you for your input, Elaine. We will consider your suggestion it in the future to make your experience with us even better. We will ensure your policy is sent to you by both mail and email. We appreciate your business.

The website is definitely user friendly…

The website is definitely user friendly and intelligible, which made the purchase of the right policy quite easy.

Date of experience : April 16, 2024

We are happy that you found our site to be user friendly. Thank you for sharing your positive experience with us, Stefano. We hope you enjoy your travels!

TOTAL SCAM! Do not use this company for travel insurance. We missed our connections and lost our our luggae and after spending hours jumping through all the hoops- paperwork, receipts, photos, we never received a dime. They just keep ignoring our inquiries.

Date of experience : September 25, 2023

Updated Response 4/15/24:Thank you for providing the additional information that we requested so we could assist further with your concerns. We're pleased to advise that your claim has been finalized and you should have received an email to your address on file. Please feel free to reach out to us at 800-348-9505 or via email at [email protected] with any additional questions or concerns. Original Response: Thank you for your feedback, Diana. We are sorry to hear about circumstances surrounding your claim and for not meeting your expectations. We take customer service and the claims review process very seriously and strive to provide a fair, equitable and timely process for all customers. Unfortunately, we could not locate a claim based on the information provided in your review. Please reach out to our marketing team via email at [email protected] with additional information as we'd like to address your concerns with you.

Smart Way To Cruise

easy to read and understand policy.

We appreciate your review, Michael! Our goal is to make the shopping experience as easy as possible so that you can make the best choices for your travel needs. We do our best to offer an array of travel plans for our customers. We are happy you found the right coverage to fit your trip's needs.

Generali did NOT cover what I…

Generali did NOT cover what I understood them to cover. It took a great deal of time to find out how to talk with a live person and not a robot. They were NOT responsive in my requests to get help. I do NOT recommend this company for travel insurance.

Date of experience : February 26, 2024

We're sorry to hear that the coverage did not meet your expectations and that you experienced difficulty when trying to speak with a live agent, Diane. Unfortunately, we could not locate a claim based on the information provided in your review. Please reach out to our marketing team via email at [email protected] with additional information as we'd like to review your claim with you.

It seemed almost too simple

It seemed almost too simple. Your price is better than others and the online application was very straightforward.

Date of experience : March 25, 2024

We do our best to offer an array of travel plans for our customers. Thank you for your purchase, Louise!

If I could give zero stars I would

If I could give zero stars I would. I think the people (or bots) giving higher stars have not had to make a claim. I was diagnosed with AML and will be hospitalized for a month to receive a stem cell transplant and needed to cancel my trip. I have uploaded all the documentation they requested. I have not been able to talk to an actual person. I have tried 4 different phone numbers and sent emails to the suggested address only to get automated responsed. This company is a complete scam!

Date of experience : February 23, 2024

Hi Denise. We are sorry to hear about your negative experience and not meeting you expectations. We'd like to be able to assist you ASAP! At your convenience, please send your claim and policy number to our marketing team directly @[email protected]. We hope to hear from you soon!

Easy online instructions

Easy online instructions, and priced within my budget!

Date of experience : April 05, 2024

Thanks so much for sharing your experience and choosing to #TravelSmarter. We are grateful for your review, Patty.

Straight forward process to register

Straight forward process to register, pay and receive policy.

Date of experience : April 02, 2024

Thank you for your feedback, Shaun. We aim to make the purchase process as easy as possible for our customers.

Four of us spent about 3 hours trying…

Four of us spent about 3 hours trying to make a claim for a cancelled flight. The site would not let us log in for over an hour. The online chat bot simply directed us to the site we were trying to access And no, they don’t have anyone to call. Hopefully they actually pay off on the claim but that is generali yet to be seen.

Date of experience : March 23, 2024

We're sorry to hear about your negative experience Roger and apologize for not meeting your expectations, Roger. We take customer service and the claims review process very seriously and strive to resolve all claims within 30 days from the time that they’re received. Unfortunately, we could not locate a claim based on the information provided in your review. Please reach out to our marketing team via email at [email protected] with additional information as we'd like to review your claim with you.

I've used Generali Travel Insurance in South America and Japan

I've used Generali Travel Insurance in the past. I like the website purchase as it is straightforward and displays 3 options with clear coverage. It only asked a few questions to filter the individual to the right product.

We love our loyal travelers, Richard. Thanks so much for sharing your experience and choosing to #TravelSmarter.

Claims process

Claims process: spent so much time upoading documents (as well as providing documentaion for follow-up requests)....claims rep does not respond to emails, nor return calls (we have left several messages), nor does claims rep supervisor. Our claim was closed (not paid) without any expanation and we don't know why. Even after we reduced the requested claim amount, as there was an issue with a credit (for air fare that was worthless 100 each, due to 150 each penalty to use it) showing on our Orbitz account. We then requested reimbursement for one night of hotel that we were charged (due to trip interuption - train transfer canceled due to land-slide). Every time we call we cannot talk to our claims rep or anyone in claims...a call-back was scheduled for last week but did not receive the call-back..We will be filing an official complaint with the NY department of insurance.

Date of experience : January 31, 2024

Hello Susan. We value your feedback, and we're sorry to hear about your negative experience and apologize for not meeting your expectations. Unfortunately, we were unable to locate your claim based on the information provided in the review. Please reach out to our marketing team via email at [email protected] as we'd like to be able to review your claim with you. We hope to hear from you soon.

The web site was very user friendly

The web site was very user friendly, and all the information was clear and available. It was very quick and I received my confirmation, the policy and my receipt all within minutes.

That's great to hear, Debbie. Thanks for your review and your purchase. We hope you enjoy your travels!

I filed a claim on 1/16/24

I filed a claim on 1/16/24. I have heard nothing since. Contacted the company on 2/20/24, was told my claim was due to settle the following day and I would be sent an email confirmation. That was a week ago--I've heard nothing. When I contacted the agent on the case, I was sent to her voicemail. I've not yet received a call back. Meanwhile, Dollar Rental Car would, understandably, like to be reimbursed for the repairs they did. I'd like to encourage anyone reading this review to do business with another company. I regret buying this policy--learn from my mistakes.

Updated Response: We are pleased that your claim has since been resolved and your should have received an email from one of our dedicated claim team members with additional information regarding the claim determination. Thank you for your patience with this matter. Original Response: We apologize for the delay. We strive to process claims within 30 says from when they are received, although some cases can take longer. Our dedicated claims team is currently reviewing your case and will respond with additional information regarding a determination. If you have additional questions or concerns in the meantime, please reach out to us at 800-551-9242 or via email at [email protected].

Straightforward Travel Insurance

This is my second purchase of travel insurance from Generali. The website is simple and easy to navigate. One suggestion: the optional rental car insurance should be selectable, not assumed to match the entire vacation time. Also, the traveler's ages may increment between the insurance purchase date and the planned travel date.

Date of experience : January 23, 2024

Thanks for your feedback, and your repeat business! We are always working to improve our website and make it more user friendly. At this time, you should be able to select rental car coverage for specific dates. We also have a FAQ about ages here, https://www.generalitravelinsurance.com/faqs/b2c/ages.html Thank you for choosing Generali Travel Assistance.

One month processing

I bought Generali insurance offered through flight network... I have a month tomorrow since I submit a claim and nothing happened.Years ago I had a claim with other insurer and they processed in less than a week directly PayPal...well day 31 they processed more likely due to this review.

Date of experience : November 21, 2023

Updated Response: Thank you for updating your rating, Dan. We appreciate you taking the time to share your feedback with us and hope to better serve you in the future! Original Response: We value your feedback, Dan. We apologize for not meeting your expectations as we take customer service and the claims review process very seriously and strive to resolve all claims within 30 days from the time that they’re received. Unfortunately, some cases can take longer to resolve. Oe of our dedicated claim team members will be contacting you to provide additional information regarding your claim status. Thank you for your continued patience with this matter. Please reach out to us at (800) 348-9505 or via email at [email protected] if we can be of further assistance.

Travel insurance couldn’t been more…

Travel insurance couldn’t been more easy to get than Generali. Just answer the easy questions and click on the coverage plan you like. Prices were cheaper than other companies that I looked into. I always choose Generali whenever I need travel insurance.

Date of experience : November 17, 2023

We love our loyal travelers, Joe, and hope to retain you as a customer for many years to come! Thank you for sharing your positive experience!

The price is reasonable and the…

The price is reasonable and the application was easy.

Date of experience : April 03, 2024

That's great to hear LaVater. Thanks for choosing Generali and for sharing your experience.

Three different coverage options are a…

Three different coverage options are a good thing.

Date of experience : April 04, 2024

Thank you for your purchase and your feedback, Elizabeth. We do our best to offer an array of travel plans for our customers.

Scam of a company do not trust

Scam of a company do not trust. I am putting my reviews everywhere possible . Zero stars ! They owe us money and refuse to help they just keep giving us numbers to people who never call back or answer the phones #generaligroup Also all the positive reviews are clearly bots ! Do not trust! In response to generali s response : So it takes a whole year to investigate? Convince me you are “actively” helping by calling us back . Do not trust this company. The moment they pay up I will amend this review but so far they are liars and trying to do damage control. Also all the positive review sites make it impossible for real people to write actual reviews seriously scam artists

Date of experience : February 05, 2024

Hi Aly. We are actively investigating your claim payment, and one of our dedicated claim team members will provide an update with additional information as it becomes available. Thank you for your continued patience with this matter.

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Travel Insurance Reviews and Ratings for Generali Global Assistance

More than 32,000 verified customer reviews.

Buy travel insurance  with confidence, knowing thousands of people choose Generali Global Assistance each year and travel with more peace of mind. Look below for a selection of travel insurance reviews and star ratings from verified customers. Or, you can explore more real stories from travelers who were helped by us .

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⭐⭐⭐⭐⭐ 4.8 out of 5 stars

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