airbnb trip insurance cost

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Is Airbnb Travel Insurance Worth It?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

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.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Citibank's application

1%-5% Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

$200 Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

on Wells Fargo's website

2% Earn unlimited 2% cash rewards on purchases

$200 Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Airbnb Travel Insurance: What Guests Should Know

Airbnb travel insurance can protect your finances if your trip goes awry..

5+ years writing insurance and personal finance topics

Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

Read Editorial Guidelines

Featured in

Licensed auto and home insurance agent

4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Updated September 26, 2023

Reading time: 4 minutes

Table of contents

• Airbnb insurance
• What’s covered
• What’s not covered
• Filing a claim

Staying in an Airbnb can be more convenient and affordable than renting a hotel room. And now, Airbnb offers travel insurance for guests in certain regions. Travel insurance can offer valuable financial protection if you need to cancel a prepaid trip for a covered reason.

Before you book a short-term rental through Airbnb, you should review and understand the available insurance options. Here’s what you need to know about Airbnb insurance, including what’s covered, what’s not covered, and how to file a claim.

Airbnb travel insurance explained

Airbnb travel insurance is an optional policy that you can purchase when booking a short-term rental. If you need to cancel your Airbnb booking for a covered reason, your insurer will reimburse you for up to 100% of your non-refundable reservation costs. It also provides coverage for things like travel delays and medical emergencies.

Airbnb travel insurance is currently available for customers in the United States, United Kingdom, and some European countries, including Austria, Germany, Italy, Ireland, the Netherlands, Portugal, and Spain. [1]

The cost of Airbnb travel insurance is a percentage of your total reservation cost. When you book your stay, you’ll have the option to add travel insurance to your reservation. The cost is added to the total reservation cost as a line item, and you pay for the policy when you check out online.

AirCover vs. Airbnb travel insurance

Every Airbnb booking includes AirCover, which covers things like last-minute booking cancellations by the host and problems during check-in. There’s also a 24/7 safety line that Airbnb guests can call if they feel unsafe. [2]

In addition, AirCover provides certain protections for hosts, like guest identity verification, $3 million in property damage protection, liability insurance, and loss of income insurance.

AirCover and Airbnb travel insurance are different products. AirCover is free with all bookings and covers significant issues that arise with a booking, like inaccurate listings or missing amenities.

On the other hand, Airbnb travel insurance is optional, and you can add it to your reservation for an additional cost. Unlike AirCover, Airbnb travel insurance will refund you for prepaid booking expenses if you need to cancel your trip for a covered reason, like flight delays or illness.

What Airbnb travel insurance covers

Airbnb travel insurance provides coverage for many unforeseen situations that can arise during travel. Here are some of the things an optional Airbnb travel insurance policy covers. [3]

Trip cancellation

If you need to cancel your Airbnb reservation for a covered reason, you can file a claim and get refunded for up to 100% of your prepaid and non-refundable costs. Covered reasons include illness and injury, flight cancellations and delays, and government mandates for evacuations due to a natural disaster or other inclement weather events.

Travel delays

This part of the policy will reimburse you for additional expenses if your trip gets delayed by more than 12 hours for a covered reason. Some covered situations include delayed flights, bad weather, and stolen passports and travel documents.

Medical emergencies

If you get sick or injured during your trip, an Airbnb travel insurance plan will reimburse you for medical costs, including prescription medication, emergency transportation in an ambulance, and hospital bills.

Delayed baggage

Guest travel insurance from Airbnb will reimburse you for lost, damaged, or stolen baggage. In addition, this policy will cover damaged travel documents and unauthorized credit card transactions that occur while traveling.

24/7 emergency and travel assistance

Airbnb offers 24/7 assistance while you’re traveling. Whether you experience a medical emergency and need to go to the nearest hospital or have questions about booking restaurants on your trip, a representative from Airbnb can provide the appropriate assistance, day or night.

What Airbnb travel insurance doesn’t cover

Airbnb travel insurance doesn’t cover everything, so it’s important to read your policy’s fine print before purchasing coverage. You’ll have the option to review the terms of Airbnb’s travel insurance contract before you add it to your reservation.

For example, for bookings made on or after May 31, 2022, having COVID-19 is no longer considered an extenuating circumstance that would allow you to cancel your trip for a refund.

There are also some location-specific restrictions. For UK travelers, Airbnb travel insurance doesn’t cover the cost of travel to and from your Airbnb listing, such as trains and ferries. It also won’t cover treatment for pre-existing medical conditions. [3]

How do you file an Airbnb travel insurance claim?

The insurance company that underwrites the policy handles Airbnb’s travel insurance claims. For U.S. residents, the underwriter is Generali. For UK and EU residents, the underwriter is Europ Assistance. [3]

You can initiate the claim process by visiting the coverage overview page on the Airbnb website and selecting “Start a Claim.” You can also contact the insurance company that underwrites your policy directly to start a new claim. [3]

Airbnb travel insurance FAQs

Below, you’ll find answers to some of the most commonly asked questions about Airbnb travel insurance.

How do you add Airbnb travel insurance to your booking?

When you reserve an Airbnb, you’ll have the option to add travel insurance to your reservation before you check out. The travel insurance premium will already be generated, so you can simply check the box to add the insurance policy to your total reservation cost.

Does Airbnb travel insurance cover COVID-19?

Airbnb travel insurance doesn’t cover COVID-19. If you test positive for COVID-19 and need to cancel your trip, the Airbnb host’s cancellation policy will apply. Additionally, Airbnb travel insurance doesn’t cover unexpected travel disruptions due to COVID-19, like quarantine mandates or border closures.

Are hosts covered by Airbnb travel insurance?

Airbnb travel insurance doesn’t provide any protection for hosts or their Airbnb property. However, AirCover, which is included for free in every booking, does provide protections for Airbnb hosts, such as damage to their rental property.

Should you get insurance for Airbnb?

Airbnb travel insurance can be beneficial if you’re spending a lot of money on non-refundable bookings or want to ensure coverage for unexpected issues, like travel delays and lost baggage. However, if you’re driving a short distance to stay in a vacation rental for the weekend, this policy may not be worth the added cost.

Related articles

• Does Travel Insurance Cover Pre-Existing Conditions?
• What Is Cancel For Any Reason (CFAR) Travel Insurance?
• Airbnb . " Understanding Travel Insurance ."
• Airbnb . " Aircover for guests ."
• Airbnb . " Travel insurance through Generali ."

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com . 

Latest Articles

Cheapest Travel Insurance (April 2024)

Travel insurance can be beneficial, especially for people traveling to risky areas and people with health concerns.

How to Find the Best Travel Insurance for Seniors

Travel insurance can be beneficial for senior travelers, especially those with health concerns. Find out how you can secure your next trip.

What Does Cruise Insurance Cover?

Cruise insurance is a type of travel insurance that can include international medical insurance, trip delays, and complete cancellation of your trip.

Visitor Insurance for Parents: What to Know

Learn how to find visitor insurance for parents, why you need it, and the best companies offering medical coverage for visitors from abroad.

Is Flight Insurance Worth It?

Is flight insurance worth it? Weigh the pros, cons, typical costs, and coverage options to decide whether it’s worth purchasing.

Travel Medical Insurance: What to Know

Travel medical insurance can provide financial protection in case of unforeseen circumstances while traveling, such as illness or medical emergencies.

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!

Ready to find out how Hostaway can transform your business?

Launched in 2015, Hostaway has helped thousands of vacation rental property managers regain their focus on growing their business. Hostaway takes pride in aligning itself with the needs of the fast evolving landscape and always provide reliable technology and great support. Sign up today!

Don't get stuck in a broken routine with poor software, manage your properties with Hostaway and experience a better business and life right away!

Airbnb Travel Insurance: A Comprehensive Guide for Short-Term Rental Hosts and Property Managers

In the fast-evolving world of short-term rentals, Airbnb stands out as a frontrunner. This burgeoning market brings with it unique challenges, particularly in terms of safeguarding your property and income. Airbnb travel insurance emerges as a crucial element in this landscape, offering protection beyond the standard Airbnb Host Guarantee.

This article, while focusing on the intricacies of Airbnb travel insurance, also highlights how iGMS, a sophisticated property management tool, can aid in effectively handling these challenges.

Understanding Airbnb Travel Insurance

What is airbnb travel insurance.

Travel insurance, in the Airbnb context, is designed to shield hosts from unforeseen incidents during a guest’s stay. Unlike Airbnb’s Host Guarantee, which primarily covers property damage, travel insurance encompasses a broader range of risks, including trip cancellation coverage, medical and travel emergencies, and even medical evacuation.

Why it’s Essential

Airbnb travel insurance is not just a policy; it’s a fundamental layer of protection for hosts and property managers in the unpredictable world of short-term rentals. This insurance serves as a robust safety net, covering a range of scenarios that could otherwise lead to significant financial losses or legal complications.

• Dealing with Non-Refundable Trip Costs: One of the most common issues hosts face is unexpected cancellations. These can leave you with vacant properties and lost income, especially if your rental operates under a strict cancellation policy. Travel insurance helps recover these non-refundable trip costs, ensuring that a guest’s last-minute change of plans doesn’t become your financial burden.
• Coverage for Medical Emergencies: Imagine a scenario where a guest suffers an accident or falls ill while staying at your property. In such cases, the right travel insurance policy can cover the necessary medical treatment expenses. This not only provides financial relief to you and the guest but also enhances the overall guest experience, as they feel more secure knowing that their health emergencies are covered.
• Property Damage and Liability: Beyond personal health emergencies, there’s always a risk of property damage when hosting. Whether it’s accidental or due to negligence, fixing or replacing damaged items can be costly. Travel insurance that covers property damage protects your assets and ensures that you’re not out of pocket for these expenses.
• Legal Protection: In today’s litigious society, legal issues can arise from a variety of situations, such as accidents occurring on your property or disputes with guests. Having travel insurance with liability coverage offers a buffer against potential legal fees and settlements, safeguarding your business from the high costs of legal battles.
• Peace of Mind: Ultimately, having Airbnb travel insurance provides peace of mind. Knowing that you are protected against a range of unforeseen events allows you to focus on providing the best possible experience for your guests, rather than worrying about potential financial pitfalls.

In essence, Airbnb travel insurance is an indispensable tool for hosts and property managers. It ensures that the unpredictable nature of hosting does not impact your financial stability and allows you to operate your rental business with confidence and security.

The Need for Travel Insurance in Today’s Market

Current trends and risks.

The growing demand for Airbnb rentals has increased the risks for hosts. Situations like trip cancellations, family member emergencies, or a natural disaster can lead to significant financial loss if not covered by an appropriate insurance policy.

Real-Life Scenarios

Consider an instance where a guest cancels last minute due to a serious illness. Without travel insurance, you as the host would bear the brunt of the lost income. With a comprehensive policy, these financial setbacks can be mitigated.

Types of Coverage and Policies

Variety of policies available.

Insurance offerings in the market range from basic liability to comprehensive plans, which cover medical emergencies, trip interruptions, and loss of rental income. Companies like Europ Assistance S.A., Generali Global Assistance, and Airbnb Insurance Agency LLC are notable providers in this sector.

Choosing the Right Policy

Selecting the right travel insurance policy involves considering factors like the total trip cost, the likelihood of cancellations, and the specific risks associated with your rental property. Policies are often underwritten by Europ Assistance or similar leading multinational insurers, ensuring reliable and extensive coverage.

Navigating Challenges and Risks

Common challenges.

Hosts without proper insurance face numerous risks, from flight cancellations affecting guests’ arrivals to stolen travel documents. These issues can lead to disputes and financial losses.

Risk Assessment

Evaluating your specific scenario is key. For instance, if your property is in a location prone to natural disasters, ensuring that your policy covers such events is crucial.

Integration with Property Management

Role of property management software.

Tools like iGMS play a critical role in managing travel insurance needs. They help streamline the process of choosing policies, understanding policy details, and even assist in the event of needing to contact insurance providers like Europ Assistance.

iGMS: A Closer Look

iGMS offers features that simplify managing travel insurance policies, from tracking coverage overview pages to integrating insurance costs into overall financial management.

Legal and Compliance Considerations

Navigating legalities.

Understanding and complying with legal requirements, especially for hosts in the European Union, UK, or other specific regions, is vital. Insurance policies should be in line with local laws and Airbnb’s policies.

Insurance and Airbnb’s Policies

Being insured not only provides financial protection but also enhances your credibility on platforms like Airbnb, potentially leading to more bookings and higher trust from guests.

Cost-Benefit Analysis

Understanding costs.

The costs of travel insurance vary, usually based on the rental property’s value, location, and the extent of coverage. Hosts must weigh these costs against the potential financial risks of operating without insurance.

Case Studies and ROI

Real-world examples, especially from hosts who have experienced emergencies like medical evacuations or major property damage, highlight the return on investment when opting for comprehensive travel insurance.

Expert Tips and Best Practices

Industry insights.

Experts often recommend a thorough comparison of policies on comparison sites, considering factors like coverage for pre-existing medical conditions, trip cost, and the specifics of the rental agreement’s cancellation period.

Best Practices for Hosts

Navigating the intricacies of Airbnb travel insurance requires more than just selecting the right policy. It involves a proactive approach to managing various aspects of your rental business. Here are some best practices to ensure you’re maximizing the benefits of your travel insurance:

• Effective Communication of Insurance Details to Guests: Transparency is key in building trust with your guests. Clearly communicate what your insurance covers and what it doesn’t. For instance, guests should be aware if the policy includes coverage for personal accidents or damage to their belongings during their stay. This information can be included in your listing description, welcome packet, or a pre-arrival email.
• Maintaining Up-to-Date Records: Keep a meticulous record of all insurance documents, correspondence with the insurance provider, and any claims made. This practice is vital not only for smooth claim processing but also for verifying coverage details if a guest inquires or if an incident occurs. Digital tools or property management software like iGMS can be instrumental in organizing and storing these records efficiently.
• Understanding the Nuances of Your Policy: Each insurance policy comes with its specific terms and conditions. As a host, you should be well-versed with these details. Pay particular attention to aspects like the maximum coverage amount, deductibles, exclusions, and procedures for filing a claim. For example, if your policy covers ambulance journeys, know the process to initiate such coverage in case of a guest’s medical emergency.
• Educating Guests on Their Responsibilities: Inform your guests about their responsibilities during their stay in relation to the insurance policy. This includes adhering to safety guidelines, reporting any incidents immediately, and understanding their role in the claim process, if necessary.
• Regularly Reviewing and Updating Your Insurance Coverage: The short-term rental market is dynamic, and your insurance needs may change over time. Regularly review your policy to ensure it still meets your needs, especially if you make significant changes to your property or if there are changes in local laws that might affect your coverage requirements.
• Preparing for Emergencies: Have a clear plan for dealing with emergencies, and make sure your guests know what to do as well. This includes having contact information for local emergency services and instructions for evacuation routes or safe areas within your property.
• Leveraging Professional Advice: Don’t hesitate to consult with insurance professionals to get a better understanding of your policy or to seek advice on the best insurance products for your specific needs. An expert’s perspective can be invaluable in navigating the complex world of insurance.

By following these best practices, you as an Airbnb host can not only ensure a safer and more secure experience for your guests but also protect your investment and maintain a good standing in the rental community.

Final Thoughts

Understanding Airbnb travel insurance is crucial for every host and property manager. It protects your investment and boosts your reputation with guests. While sorting through policies and legal requirements can seem daunting, the right tools make it easier.

iGMS stands out as a valuable tool in this area. It streamlines managing travel insurance, from keeping track of policy details to communicating with guests. Embracing iGMS means not only managing your property efficiently but also ensuring your Airbnb business is secure and professional.

No spam. Only valuable info and tips. We promise.

Ready to Start Automating Your Business and Join Thousands of Hosts?

Unlock Your Hosting Potential

Travel insurance and reservation insurance

Travel insurance through europ assistance, travel insurance and assistance services for us residents, reservation insurance for eu residents, travel insurance and assistance services for residents in certain canadian provinces, related topics.

• Search tips
• Booking places to stay
• Booking Airbnb Experiences
• Booking business travel and events
• Booking Airbnb.org stays

• Travel Advice
• General Information

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.

Home » Travel Insurance » Airbnb Travel Insurance: Is It Worth It? Your Ultimate Guide to Protecting Your Stay

• Travel Insurance

Airbnb Travel Insurance: Is It Worth It? Your Ultimate Guide to Protecting Your Stay

• Author | Alexa Erickson
• April 15, 2024

The Daily Navigator strives to help you make the best decisions in travel. While we produce content according with strict editorial integrity this post may contain references to partner products. Here’s a full explanation for how our team makes money .

• Understanding travel insurance coverage
• Factors to consider
• When travel insurance may not be necessary
• What may be excluded from travel insurance
• How to get travel insurance

What is travel insurance?

Travel insurance is a type of insurance coverage that provides financial protection against unexpected events or emergencies that may occur during your travels, such as trip cancellations, medical emergencies, lost baggage, or other unforeseen circumstances.

What are the main types of travel insurance?

• The main categories of travel insurance are typically based on the type of coverage they provide. Here are the main categories of travel insurance:
• Trip cancellation/interruption insurance: This  covers expenses incurred if you need to cancel or interrupt your trip due to covered reasons such as illness, injury, death, natural disasters, or other unforeseen events. 
• Medical insurance: This provides coverage for medical expenses incurred while traveling. It can include emergency medical treatment, hospital stays, doctor’s visits, medications, and medical evacuations.
• Baggage and personal  belongings insurance: This type of travel insurance protects against loss, damage, or theft of your luggage, personal belongings, and valuables during your trip. 
• Travel delay insurance: This covers additional expenses incurred due to unexpected delays, such as flight cancellations, missed connections, or severe weather conditions. 
• Emergency evacuation insurance: This category assists with the cost of emergency evacuations, particularly in remote or medically inadequate areas. 
• Accidental death and dismemberment insurance: This provides financial compensation in the event of accidental death, loss of limbs, or permanent disabilities resulting from accidents that occur during your trip.

How much does travel insurance cost?

The cost of travel insurance varies depending on several factors, including your destination, the length of your trip, your age, the coverage options you choose, and any pre-existing medical conditions. It is advisable to compare quotes from different insurance providers to find the best coverage at a competitive price.

Where can you buy travel insurance?

Travel insurance can be purchased from various sources, providing flexibility and options for travelers. Here are some common places where you can buy travel insurance:

• Insurance companies: Many insurance companies offer travel insurance policies. You can directly contact insurance providers to inquire about their offerings, receive quotes, and purchase a policy. These companies may have online platforms or local offices where you can access their services.
• Travel agencies: Travel agencies often offer travel insurance as part of their services. When booking your trip through a travel agency, they can provide you with options for travel insurance coverage and facilitate the purchase on your behalf.
• Online travel booking platforms: Online travel booking platforms, such as Expedia , Travelocity, or Kayak, often provide the option to purchase travel insurance during the booking process. These platforms may partner with insurance providers to offer a range of policies that you can select from.
• Credit card companies: Some credit card companies offer travel insurance as a benefit to their cardholders. If you have a credit card with travel-related perks, review the terms and benefits associated with your card to see if travel insurance coverage is included and how to access it.
• Comparison websites: There are online comparison websites that allow you to compare different travel insurance policies from multiple providers. These platforms provide a convenient way to review coverage options, prices, and customer reviews, helping you make an informed decision.
• Specialized travel insurance providers: There are companies that specialize in travel insurance, offering a wide range of policies tailored to different types of travelers and trips. These specialized providers may have additional coverage options or unique features that cater to specific needs, such as adventure travel or long-term travel.

With the rise of vacation rental platforms like Airbnb, travelers are increasingly seeking ways to protect their trips from unforeseen events. This is where Airbnb travel insurance comes into play. 

Let’s take a detailed look at what Airbnb travel insurance is, its importance, who offers it, and whether you should consider purchasing it.

Read also: The Best Travel Insurance Companies of 2024

What is Airbnb travel insurance?

Airbnb travel insurance is designed to cover unexpected events that may affect your travel plans when booking accommodations through Airbnb. This type of insurance can cover a range of incidents, including trip cancellations, interruptions, medical emergencies, and even lost luggage. Essentially, it acts as a safety net, ensuring that travelers can recover some of their costs if their travel plans are disrupted by covered events.

Should you get Airbnb travel insurance?

The decision to purchase Airbnb travel insurance largely depends on your personal risk tolerance and the nature of your trip. If you are planning a costly vacation, or traveling to a location with volatile weather or political climates, travel insurance can be particularly valuable. It offers peace of mind by mitigating financial losses due to last-minute cancellations or medical emergencies.

Here are some scenarios where Airbnb travel insurance can be beneficial:

• High investment trips : If you’re spending a significant amount on your Airbnb bookings, flights, and other travel arrangements, insurance can protect that investment.
• International travel : For trips abroad, where unexpected medical costs and trip delays are more problematic, travel insurance is highly advisable.
• Traveling in uncertain times : During periods of global uncertainty, such as the COVID-19 pandemic, having travel insurance means you’re more likely to recoup costs if plans change unexpectedly.

Navigator Tip

One crucial tip for travelers considering Airbnb travel insurance is to purchase the insurance policy shortly after booking your trip. Many travel insurance policies offer the most comprehensive coverage options, including a “Cancel For Any Reason” benefit, only if the insurance is purchased within a specific time frame after making the initial trip deposit—often within 10 to 21 days.

Buying your insurance early not only maximizes the coverage available but also ensures that you’re protected right from the start of your trip planning. This early purchase is particularly important for trips planned during peak travel seasons or to areas prone to natural disasters, as it secures your investment against a broader range of potential disruptions.

Who offers Airbnb travel insurance?

Airbnb guests residing in the US have the option to purchase travel insurance and assistance services either at the time of checkout or after their booking is confirmed. 

However, there are many third-party providers that offer policies for Airbnb customers as well. One reputable provider in this market is Squaremouth . Squaremouth is known for its transparent approach to selling travel insurance, providing a platform where travelers can compare policies from various insurers to find the best fit for their needs.

When choosing a policy, it’s important to read the fine print and understand what is and isn’t covered. Not all travel insurance policies are created equal, and coverage can vary significantly between providers.

Why consider Squaremouth for your Airbnb travel insurance?

Squaremouth stands out for several reasons:

• Comparison shopping : Squaremouth allows travelers to compare different travel insurance policies from top-rated insurers side by side.
• Customer reviews : The platform offers customer reviews and ratings for each policy, helping you make an informed decision based on other travelers’ experiences.
• Comprehensive coverage options : From trip cancellation to medical emergencies, Squaremouth offers a range of coverage options that cater to various travel needs.

Several insurance companies offer travel insurance policies that are suitable for Airbnb stays, including:

Tin Leg offers travel insurance that is suitable for Airbnb stays, featuring comprehensive coverage options. Their policies typically include benefits such as trip cancellation, interruption, emergency medical coverage, and baggage loss or delay.

Seven Corners

Seven Corners offers various travel insurance plans that can be tailored to include coverage for stays at rental properties like those booked through Airbnb. Their plans often cover medical expenses, trip cancellation, and interruptions.

Are there credit cards that offer travel insurance you can use for booking an Airbnb?

Yes, several credit cards offer travel insurance benefits that can be useful when booking an Airbnb stay. These benefits typically include trip cancellation and interruption insurance, travel accident insurance, baggage delay insurance, and sometimes even emergency medical and evacuation coverage. Here are a few key points to consider if you’re thinking of using a credit card’s travel insurance for your Airbnb booking:

Key features of credit card travel insurance

• Trip cancellation and interruption Insurance : This coverage can reimburse you for non-refundable travel expenses, including Airbnb stays, if your trip is canceled or cut short due to covered reasons such as sickness, severe weather, or other qualifying unforeseen events.
• Baggage delay insurance : If your bags are delayed, this insurance may cover the cost of essential items until your luggage arrives.
• Travel accident insurance : Provides coverage for accidental death or dismemberment that occurs while traveling.
• Emergency medical and evacuation : Some premium credit cards offer this coverage, which can be crucial, especially for international travel. It covers emergency medical expenses and, if necessary, medical evacuation.

Considerations when using credit card travel insurance for Airbnb

Coverage limits : Credit card travel insurance often has lower coverage limits and more exclusions compared to standalone travel insurance policies. It’s essential to review the terms and benefits to ensure they meet your needs.

Eligibility requirements : To activate these insurance benefits, you typically need to pay for a significant portion of your travel expenses with the credit card that offers the coverage. Ensure that your Airbnb booking is eligible.

Specific coverage details : The specifics of what is covered can vary greatly from one credit card to another. For example, some cards may exclude certain types of travel disruptions or reasons for cancellations that standalone travel insurance might cover.

Popular credit cards offering travel insurance

Chase sapphire reserve®.

 Offers extensive travel insurance benefits, including trip cancellation and interruption insurance, baggage delay insurance, and emergency medical coverage.

60,000 Bonus Points

after you spend $4,000 on purchases in 3 months of account opening

Learn More  –> 

The Chase Sapphire Reserve® is a premium travel card that’s accessible to most travelers as it has a number of valuable and easy-to-use benefits. Its annual fee of $550, though still high, is quickly offset thanks to its $300 travel credit, large welcome bonus, strong spending categories, and premium perks like airport lounge access. It’s also great for those who don’t want to deal with transferring their points, as you’ll get big value when redeeming through Chase’s travel portal.

  PROS

• Its 60,000-point intro bonus is worth much more than the annual fee of $550.
• The $300 travel credit covers anything travel related, whether thats an Airbnb, a taxi, a flight, or hotel, making it almost impossible not to lessen the dent the fee made.
• The points are worth 1.5 cents a piece when used directly on Chase’s Ultimate Rewards Portal, offering a simple but high value use for your points.
• Plenty of excellent transfer partners allow points to be maximized
• Some excellent partnerships with Doordash and Lyft add to its value.
• Priority Pass membership allows access to over 1,300+ airport lounges and restaurants.

  CONS

• No complimentary elite hotel status, like that offered by the Amex Platinum.
• You won’t earn points on travel purchases until the $300 credit is used.
• It’s subject to Chase’s 5/24 rule. So if you’ve opened five cards in the last two years, you’re most likely not going to be accepted.

Annual Fee: $550   |  Terms Apply   |   Rates & Fees

The Platinum Card® from American Express

This luxury travel credit card offers a hefty welcome bonus, and an annual fee that more than pays for itself thanks to its plentiful perks. The card includes trip cancellation and interruption insurance, as well as travel accident insurance, with generous coverage limits.

80,000 Membership Rewards® Points

after you spend $8,000 on purchases in your first 6 months of card membership

The Amex Platinum was once the sole dominating force in the luxury credit card space. While it now faces some stiff competition, it still offers unbeatable perks like unprecedented airport lounge access, elite status at Hilton and Marriott, and some outstanding statement credits making the mammoth $695 worth it for some.

• The Amex Platinum’s typical intro bonus of 80,000 points is massive in itself. It’s worth $800 when spent directly through Amex’s travel portal on flights and hotels, which is already stellar. But when transferred to a partner, it’s very possible to squeeze over $1,600 or more in value. 
• The Platinum has a slew of top-tier benefits, like Priority Pass, which gives the cardholder access to thousands of airport lounges and restaurants around the world, as well as Amex’s own Centurion lounges which are known for the high-quality (and free) food and cocktails. Other perks include up to $200 in Uber credits, up to $200 in airline fee credits (given in statement credits), up to $240 in digital streaming credits, up to $200 towards hotel bookings (given in statement credits) with Amex’s Fine Hotels and Resorts (2 night minimum stay required), and more. Enrollment is required for select benefits.
• A number of statement credits spanning multiple industries can build even more value into the card, including free stays when applied strategically.
• The Amex concierge is an underutilized benefit that can transform a trip by helping book hard-to-find dinner reservations or show tickets.
• The $695 annual fee is brutally high. Too high for many that can’t, or don’t want to take full advantage of its benefits.
• Points-earning rates are low unless spending directly on flights or with the Amex Portal.
• Some of the benefits, like travel credits, are more limited and are harder to use than competing cards’ offerings. 

Annual Fee: $695  |   Terms Apply  |   Rates & Fees

For just a $95 annual fee, the Capital One Venture Rewards Credit Card gives you one of the loudest bangs for your buck. It also provides travel accident insurance and lost luggage reimbursement, among other benefits.

Capital One Venture Rewards Credit Card​

75,000 Bonus Miles

after you spend $4,000 on purchases in the first 3 months of account opening.

The Capital One Venture is an excellent go-to card for any traveler, thanks to its easy to navigate 2 miles per dollar on every purchase. With no bonus categories to consider, a reasonable $95 annual fee, and a strong 75,000-mile intro offer worth over $1000, Alec Baldwin might be onto something. 

• The Capital One Venture’s 75,000 mile intro bonus is worth $750 when spent on Capital One’s (recently revamped) travel portal or you can use your miles to cover your recent purchases. The bonus rises to well over $1000 when transferred to an airline or hotel partner.
• A steady 2 miles per dollar on all purchases makes earning simple and lucrative. You’ll also grab 5 miles per dollar when booking through Capital One’s travel portal.
• Its $95 annual fee is almost negligible, especially if the intro bonus is achieved Flexible miles allow for a wide array of redemption options
• You can enjoy a two free visits to a Capital One Lounge each year
• You’ll get up to a $100 credit for Global Entry or TSA PreCheck® membership which can help make airport security a breeze.
• Capital One lacks US-based airline and hotel transfer partners
• Not many major perks beyond its miles value

Annual Fee: $95   |  Terms Apply  |   Rates & Fees

Airbnb travel insurance is a crucial consideration for travelers looking to protect their trips from unexpected disruptions. Whether facing trip cancellations, medical emergencies, or other unforeseen events, the right insurance policy can safeguard your travel investments and offer peace of mind. While third-party providers like Squaremouth provide a broad range of options to cover Airbnb stays, don’t overlook the benefits that may already be available through your credit card.

Many credit cards offer travel insurance benefits, including trip cancellation and interruption coverage, which can be applicable to Airbnb bookings. However, it’s important to understand the specifics of these benefits, as coverage limits, eligibility requirements, and covered reasons for cancellation can vary significantly.

Ultimately, whether you opt for a standalone travel insurance policy or utilize the benefits from your credit card, the key is to ensure that you have comprehensive coverage tailored to your specific travel needs. By carefully reviewing your options and understanding the coverage you choose, you can enjoy your Airbnb experience with greater confidence and security.

Read also: The Best Credit Cards for Travel Insurance Benefits

Our Top Travel Card Picks​

after you spend $8,000 in the first 6 months

LEARN MORE –>

Chase Ink Business Preferred® Credit Card

100,000 bonus points

after you spend $8,000 on purchases in the first 3 months

Capital One Venture Rewards Credit Card

after you spend $4,000 in the first 3 months

Chase Sapphire Preferred® Card

60,000 Reward Points

Explore Top Travel Cards

Navigate the News Better

Take a five-minute trip through the news that matters most to travelers with our daily newsletter.

Related Stories

The Best Travel Insurance Companies of 2024

The Best Senior Travel Insurance Companies of 2024

Best CFAR (Cancel for Any Reason) Travel Insurance

• The Navigator
• Room Service
• Smart Points
• Advertising Policy
• Privacy Policy
• Terms Of Use

Work With Us

• Hotel/Airbnb Review

Built with by travelers, for travelers.

Stay in the know with The Navigator Newsletter

A five-minute trip through the news that matters most to travelers. Past Edition →

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. The relationship may impact how an offer is being presented. Our site doesn’t include all the offers available. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page .

Huge Intro Bonus!

Earn up to $2000 in free travel.

Our favorite card with a $0 annual fee. 

Partner offer. Terms apply.

Special Discounts for Our Members

Save big with perks.

Get $5,000+ in immediate travel savings with Perks. Unlock next level travel benefits, for life. Get discounts from the world’s best travel brands you won’t find anywhere else. No credit required.

Special Discount for Our Members

93% off lifetime access.

Save $1,200 and 10 hours of your time on every vacation. With Lifetime access to DFC Concierge, get fully customized trip itineraries to make every vacation unforgettable.

50% Off PREMIUM

You can save up to $500 on your next adventure without lifting a finger get email alerts when we find flights up to 90% off leaving your home airport. Just let us know your departure airport and we’ll do the rest.

The Navigator Commitment

The Daily Navigator is the cornerstone of the  DFC  Media family. Through each of our brands, we’re dedicated to helping our readers travel, spend, and live smarter.

With products dedicated to affordable travel, daily news, hospitality, and personal finance, we deliver the day’s essential content with none of the filler — all in a way that’s fast, easy, and fun to read. Every morning, over 2 Million travelers trust DFC to deliver the latest news and information so that they can make informed decisions faster. We hope you’ll join them.

We’re happy to have you here!

• Insurance Guides

Is Airbnb Travel Insurance Worth It?

• August 26, 2023

Airbnb is an online platform known for providing a way for individuals to list, discover, and book lodging accommodations along with travel experiences around the world.

You might probably have come across Airbnb’s travel insurance offerings and wondered if their travel insurance is worth trying. If you find yourself in this speculative situation, then this post is all you need to clear the doubt.

We will carefully explain everything you should know about Airbnb travel insurance, weighing its pros and cons to determine if it is a go-to option or not.

What is Airbnb Travel insurance?

Airbnb travel insurance is a type of insurance that is made for guests who book stays on the Airbnb platform. This policy covers risks such as trip cancellation or interruption, medical expenses, lost luggage, and trip delay. Sometimes, coverage for property damage or personal liability is also covered in the policy.

It is worth noting that Airbnb is not a standalone insurance company, but instead relies on a host of insurance companies to provide travel insurance coverage to guests. Due to this reason, its premiums and coverages might be different depending on the insurance company.

Why Airbnb travel Insurance is worth it

As per Airbnb, “Travel insurance offers to pay guests up to 100% of their Airbnb booking costs when they cancel for covered reasons”.

This means that after purchasing travel insurance from the company and you decide to cancel your booking for a covered reason (covered reasons typically include injury, illness, death, lost or stolen passport), the insurance company is promising to reimburse you up to 100% of the cost of your Airbnb booking.

What travel insurance cover

Airbnb offers two types of travel insurance: Aircover for guests, and Travel insurance through Generali and Europ Assistance. Let’s look at their meaning and what they cover.

Also read : How to Cancel AAA Insurance in 2023 (Quick Steps)

AirCover for guests

Airbnb recently introduced a program for guests known as AirCover – this plan helps protect guests from unexpected events like listing inaccuracies, missing key amenities, specific events like bad weather, stolen travel documents, and even serious illness all for free.

Let’s take a look at what these unexpected events are and the refund percentage Airbnb is ready to reimburse.

• Listing inaccuracies : This means that if you find out that the provided listings i.e. the specific property or accommodation that was listed on the Airbnb platform are not as described, you can get up to 100% of your Airbnb reservation cost reimbursed.
• Missing key amenities : This provides reimbursement of up to 50% of the guests’ Airbnb reservation cost if the property or accommodation is missing key amenities.
• In addition, if you are affected by certain external factors like bad weather, stolen travel documents, and even cases of serious illness, Airbnb through its insurance partners is offering to pay you 100% of your non-refunded Airbnb reservation costs.

Travel insurance through Generali and Europ Assistance

Travel insurance is a paid travel insurance program that is available to guests in the United States, United Kingdom, and some parts of Europe (Germany, Spain, Italy, Ireland, Netherlands, Austria, and Portugal). This is done through Airbnb’s partnership with Europ Assistance Group and its U.S. subsidiary, Generali Global Assistance.

Unlike Aircover with limited coverage, Travel Insurance includes better support to cover a wider range of unexpected issues, including trip cancellation for any reason, lost or stolen passports, and flight delays.

The specific coverage offered by each type of travel insurance varies depending on the country where the guest is traveling. Here’s an overview of what Airbnb Travel insurance covers for US, UK, and EU residents.

US residents through Generali, their travel insurance policy includes:

• Trip cancellation
• Travel delay
• Medical assistance
• It also includes 24/7 emergency and travel assistance services.

UK residents through Europe Assistance, their travel insurance policy includes:

• 24/7 emergency and travel assistance is also included.

EU residents through Europe Assistance, their travel insurance policy includes:

You can refer to Airbnb’s official documentation to learn more about what Airbnb travel insurance includes.

Also read : Why is AAA Insurance So Expensive? Here Are 8 Reasons

Limitations of Airbnb travel insurance

Despite the mouthwatering offers provided by Airbnb, there are still some lapses the company is unable to cover for guests. Below are some limitations.

• Coverage limits : Airbnb has a lower coverage scope as compared to traditional travel insurance companies which have higher coverage for trip cancellation. For example, Airbnb is willing to cover a minimum cancellation fee of $50 USD and a maximum cancellation fee of $1,000 USD, whereas traditional travel insurance tends to cover up to $6,000 or more.
• Claims process : The Airbnb travel insurance claims process can be a tiring experience, mostly due to the fact that Airbnb travel insurance is administered by a third-party company, and in that case if you want to file a claim , you may need to file a claim with both Airbnb and the insurance company responsible for your coverage.
• Cancellation policy: Canceling your Airbnb policy is a straightforward and cheap process. But sometimes, certain situations could make this policy expensive particularly if you need to cancel your booking at the last minute.
• Regulations:  Airbnb is regulated differently in different countries. In some countries, there are restrictions on how many days a year a property can be rented out on Airbnb.

Final Verdict

Whether or not Airbnb travel insurance is worth it depends on your individual circumstances and needs. If you’re seeking basic coverage at a very low cost, then Airbnb is worth it. However, if you are looking for a more robust travel cover, or if your travel could involve high potential risk and loss, then Airbnb might not be the most ideal option for you.

Overall, Airbnb is a candid option to offer you the peace of mind, financial protection, and convenience you need for your trip.

More on Airbnb

Insurance companies that offer policies for airbnb hosts and guests.

Below are top insurance companies that offer policies for Airbnb guests.

• World Nomads

Also read : Insurance for Wineries

Frequently Asked Questions (FAQs)

How much does airbnb travel insurance cost.

The cost of Airbnb travel insurance varies depending on the length of your trip, your destination, and the level of coverage you choose.

Airbnb’s travel insurance policies and refund policies can vary depending on the specific circumstances and the type of coverage you’re referring to.

For example, if you purchased a standalone travel insurance through Airbnb or another provider, the refundability of the insurance premium would depend on the terms of the insurance policy itself.

Can I still access Airbnb travel insurance coverage without being a resident in the US, UK, or EU?

No. Airbnb is only available for residents in the US, UK, and eight other selected EU countries.

How do I know if Airbnb travel insurance is right for me?

To know if Airbnb travel insurance is right for you, first consider the potential risks, your individual preferences, and your coverage.

As a diploma holder in Business and MGT, I decided to venture into personal finance with the aim of extending my experience in the field to readers. I'm a full-time content creator here.

Latest Posts

Univista insurance review 2024: car, home & more.

ShoreOne Insurance Review 2024 (Combined Home & Flood Policy)

Loggerhead Insurance Review 2024 (For Floridians)

Hammer Insurance Review: Pros and Cons (2024)

More to read, openhouse home insurance review 2024: pros & cons, admiral pet insurance review 2024: pros and cons, bridger insurance review: pros and cons (2024), rainbow insurance review (2024): cost and service, low/no down payment commercial truck insurance companies (top 4) .

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.

most recent

Airbnb , Industry News

How airbnb’s push for renter policies is shaping housing markets and sector perceptions.

Industry News

The sirreti list: accreditation for luxury vacation rentals.

Airbnb Conspiracy Theories: A MAJOR disruptive event on June 6?

Round-Up: Airbnb Unveils Summer 2024 Trends, SUPERHOG Debuts Podcast, Smiling House Spotlights Top Luxury Destinations

Conferences & Events , Industry News , Sustainability

Future-proof your rentals: the new green standard is here.

Round-Up: Airbnb Reports Economic Impact in the US, HomeToGo’s Strategic Komoot Partnership, Anticipating Short Stay Summit 2024

PH +1 000 000 0000

24 M Drive East Hampton, NY 11937

© 2024 INFO

Get the most important short-term rental news and insights straight to your inbox, for FREE.

Email address:

I have read the Rental Scale-Up Privacy Policy

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

Is Airbnb Travel Insurance Worth the Investment? Exploring the Pros and Cons

When planning a trip, whether for business or leisure, travel insurance is often a consideration. It provides a sense of security and peace of mind in case any unforeseen circumstances arise during your journey. One popular travel platform that offers its own insurance policy is Airbnb. In this article, we will explore whether Airbnb travel insurance is worth it and how it compares to other options.

What is Airbnb Travel Insurance?

Airbnb offers a program called “Host Protection Insurance” that covers hosts for liability claims up to $1 million USD. This insurance is designed to protect hosts against third-party claims for property damage or bodily injury that may occur during a stay. However, this coverage is specific to hosts and does not extend to guests.

Is Airbnb Travel Insurance Sufficient for Guests?

If you are a guest staying at an Airbnb property, the Host Protection Insurance may not provide sufficient coverage for your needs. While it protects hosts, guests may need their own insurance to safeguard against cancellation fees, lost baggage, medical emergencies, or trip interruptions. Therefore, it is important for guests to consider purchasing additional travel insurance.

What are the Benefits of Airbnb Travel Insurance?

Airbnb does offer a separate travel insurance policy called “Airbnb’s Guest Refund Policy.” This policy provides coverage for certain situations such as property misrepresentation, host cancellations, and travel disruptions caused by extenuating circumstances. Guests can file claims through this policy to receive refunds for their bookings.

However, it is important to note that Airbnb’s Guest Refund Policy is not a comprehensive travel insurance policy and may have limitations and exclusions.

Comparing Airbnb Travel Insurance to Other Options

When evaluating the worthiness of Airbnb travel insurance, it is essential to consider its coverage limitations and compare it to other available options. Traditional travel insurance providers offer more comprehensive coverage that includes benefits such as trip cancellation, emergency medical expenses, baggage loss, and personal liability. These policies can be tailored to meet individual needs and provide a higher level of protection.

For guests seeking extensive coverage, especially for expensive trips or longer stays, opting for a standalone travel insurance policy might be a more prudent choice.

While Airbnb’s Host Protection Insurance offers liability coverage for hosts, it does not provide the same level of protection for guests. Airbnb’s Guest Refund Policy can offer some reimbursement in specific situations, but it is not a substitute for comprehensive travel insurance. Guests should carefully evaluate their needs and consider purchasing additional travel insurance to ensure they are adequately covered.

In conclusion, when considering whether Airbnb travel insurance is worth it, guests should weigh the limitations of the coverage provided by Airbnb against their individual requirements, considering factors such as trip length, destination, and value of possessions. Exploring standalone travel insurance policies from reputable providers may offer more comprehensive protection and give peace of mind during your journey.

Is Airbnb Travel Insurance Worth the Investment? Expert Insights from a Financial Blog.

Airbnb Travel Insurance is worth considering as an investment for travelers seeking financial protection. As a financial blog , we provide expert insights on various topics, including insurance. Travel finance is an important aspect when planning trips, and having the right insurance coverage can save individuals from unexpected expenses.

Airbnb offers two types of insurance options for guests and hosts: Host Protection Insurance and Host Guarantee. Host Protection Insurance provides primary liability coverage for hosts in case of third-party claims for bodily injury or property damage. On the other hand, Host Guarantee provides coverage for damages to the host’s property caused by guests.

While Airbnb’s insurance options provide some level of protection, it’s essential to carefully review the terms and conditions. Additional coverage may be necessary depending on individual circumstances. Travelers should consider factors such as trip cancellation, emergency medical expenses, baggage loss, and trip interruption coverage.

By investing in additional travel insurance, travelers can gain peace of mind knowing they are protected against unforeseen events. Financially, insurance coverage can help minimize the financial burden of cancellations, medical emergencies, or lost belongings.

In summary, Airbnb Travel Insurance is worth considering as an investment for travelers. However, understanding the limitations and reviewing additional coverage options is crucial to ensure comprehensive protection.

Related questions

Is purchasing travel insurance from airbnb a cost-effective option for travelers in terms of coverage and premiums.

Purchasing travel insurance from Airbnb can be a convenient option for travelers, but it may not always be the most cost-effective choice in terms of coverage and premiums.

While Airbnb offers travel protection plans, it’s important for travelers to carefully evaluate their needs and compare them to other available options. Airbnb’s coverage typically includes trip cancellation or interruption, emergency medical expenses, and accidental property damage. However, the coverage limits and exclusions may vary, and it might not offer comprehensive protection.

When comparing premiums, travelers may find that standalone travel insurance providers offer more competitive rates. It is advisable to research and obtain quotes from multiple insurance companies to ensure they are getting the best coverage at a reasonable price. Additionally, travelers should review the policy details to ensure it aligns with their specific needs, such as coverage for pre-existing medical conditions or high-value belongings.

Another factor to consider is the level of customer support and claims process offered by Airbnb’s insurance compared to standalone providers. Travelers may find that specialized insurance companies provide more responsive customer service and smoother claims handling.

Ultimately, travelers should carefully evaluate their individual needs and preferences before deciding on travel insurance . While Airbnb’s offering could be suitable for some, exploring other insurance options might lead to better coverage and potentially more cost-effective premiums.

What are the key factors to consider when evaluating the benefits and drawbacks of Airbnb’s travel insurance compared to traditional travel insurance providers?

When evaluating the benefits and drawbacks of Airbnb’s travel insurance compared to traditional travel insurance providers, there are several key factors to consider.

Coverage: One of the most important aspects to evaluate is the coverage provided by each option. Traditional travel insurance providers typically offer comprehensive coverage for a wide range of travel-related risks, including trip cancellations, medical emergencies, lost baggage, and more. On the other hand, Airbnb’s travel insurance may have limited coverage and might not provide the same level of protection.

Cost: Another factor to consider is the cost of the insurance. Traditional travel insurance providers may have higher premiums compared to Airbnb’s insurance, which is often offered at a lower price. However, it is essential to assess whether the lower cost justifies the potential limitations in coverage.

Flexibility: Traditional travel insurance providers generally offer flexible options, allowing travelers to customize their coverage based on their specific needs. In contrast, Airbnb’s travel insurance may have fixed terms and conditions, limiting the flexibility in tailoring the policy to individual requirements.

Claim Process: Evaluating the claim process is crucial to ensure a smooth experience during unexpected events. Traditional travel insurance providers often have well-established procedures and customer support that can assist travelers throughout the claims process. Airbnb’s travel insurance may have a different claim process, which could potentially be less streamlined or require additional steps.

Provider Reputation: Lastly, considering the reputation and reliability of the insurance provider is paramount. Traditional travel insurance providers often have established track records and are regulated by relevant authorities. Comparatively, Airbnb’s travel insurance is relatively new, and its reputation may still be developing.

In conclusion, when assessing the benefits and drawbacks of Airbnb’s travel insurance compared to traditional travel insurance providers, it is essential to consider factors such as coverage, cost, flexibility, claim process, and provider reputation. Each individual should carefully evaluate their specific travel needs and preferences to make an informed decision.

How does Airbnb’s travel insurance policy protect against financial risks and unforeseen circumstances, such as trip cancellations or medical emergencies, and is it comprehensive enough to provide peace of mind for travelers?

Airbnb’s travel insurance policy aims to provide protection for travelers against financial risks and unforeseen circumstances. It offers coverage for trip cancellations, interruptions, and delays caused by specific reasons listed in the policy, such as illness, injury, or severe weather conditions. The insurance also includes coverage for medical emergencies that occur during the trip.

To ensure peace of mind for travelers, Airbnb’s insurance policy is designed to be comprehensive enough to cover various situations that may disrupt or impact travel plans. However, it’s important for travelers to review the policy details and understand its coverage limitations and exclusions.

Travelers should note that Airbnb’s insurance policy is not a substitute for traditional travel insurance and may not provide the same level of coverage as a standalone travel insurance policy. Depending on specific needs and preferences, travelers may consider purchasing additional travel insurance to supplement Airbnb’s coverage and further protect themselves against potential financial risks and unforeseen circumstances.

Overall, while Airbnb’s travel insurance policy offers some protection against financial risks and unforeseen circumstances, it’s essential for travelers to evaluate their individual needs and consider obtaining additional coverage, if necessary, to ensure comprehensive protection and peace of mind during their travels.

Disclaimer: The information provided here is for general informational purposes only and should not be considered as professional financial advice. Always seek the advice of a qualified expert or conduct thorough research with official sources before making any financial decisions.

Table of contents

Discover financial empowerment on CJDFintech.com, your guide through the world of credit, loans, insurance, and investment with straightforward, expert advice.

Recent articles

Securing your future: senior life insurance explained, pay for mba business school: unlocking the value and potential of investing in education, maximize your cash back with chase freedom calendar: a comprehensive guide to optimizing rewards.

What Are Dividends: A Comprehensive Guide to Understanding and Maximizing Your Investment Returns

Cost of Living Calculator: Comparing Austin, TX vs San Diego, CA – Which City Offers Better Financial Opportunities?

Understanding the Benefits and Features of Annual Renewable Term Life Insurance

447 Broadway 2nd floor

New York, NY 10013

Copyright © 2015-2023 CJD Fintech

Home » Booking » Is Airbnb Travel Insurance Worth It?

Is Airbnb Travel Insurance Worth It?

Quick Navigation

What is Airbnb Travel Insurance?

Guest refund policy, host return policy, comparison with other travel insurance options, airbnb host protection insurance, how to purchase airbnb travel insurance, tips for choosing the right coverage, frequently asked questions.

Airbnb has become a popular accommodation option for many travelers. The platform offers a unique opportunity to stay in local homes, apartments, or other types of properties.

One of the many features that Airbnb offers is travel insurance . The insurance policy provided by Airbnb covers trip cancellations, interruptions, and damages that might occur during your stay.

But is it worth it? In this article, we will explore all that you need to know about Airbnb travel insurance to help you determine whether it is worth the investment.

It is a type of insurance policy that provides coverage for unexpected events that might occur before, during, or after your trip.

This policy is designed to help protect travelers against financial loss due to unforeseen events such as trip cancellations, delays, or interruptions.

Different insurance companies provide Airbnb travel insurance, and the coverage and terms vary depending on the provider.

Two types of insurance policies are available to guests: the Guest Refund Policy and the Host Protection Insurance policy.

The Guest Refund Policy protects guests against certain unforeseen circumstances, such as the property being significantly different from what was advertised, last-minute cancellations by the host, and the property is unavailable.

If any of these circumstances occur, the guest can receive a refund of their reservation fees.

Host Protection Insurance is a policy that Airbnb offers to hosts . This policy provides protection against property damage and liability claims that might occur during a guest’s stay.

This insurance policy is free for all Airbnb hosts and covers up to $1 million in damages or liability claims.

Pros and Cons of Airbnb Insurance

Like any insurance policy, Airbnb insurance has its pros and cons. Before purchasing the policy, it’s essential to weigh these factors in determining whether it’s worth the investment.

• One of the primary advantages is that it provides peace of mind. Traveling can be stressful; unexpected events such as flight cancellations, illnesses, or natural disasters can disrupt your travel plans. With the insurance provided by Airbnb , you can be confident that you’re covered in case of any unforeseen events.
• Airbnb travel insurance covers trip cancellations and interruptions due to unforeseen circumstances such as sudden illness, injury, or natural disasters. This coverage can help you recoup any non-refundable fees and expenses associated with your trip.
• It also covers damages and losses that might occur during your stay. This includes damages to the property, theft of personal belongings, and injuries that might occur during your stay.
• One of the main disadvantages of Airbnb travel insurance is that the coverage is limited. The policy only covers specific events, and the coverage limits might not be enough to cover all your expenses in case of a significant event.
• Insurance by Airbnb is an additional cost that you’ll have to factor into your travel budget. The cost of the policy can vary depending on the provider and the coverage you select.
• Airbnb only covers up to a certain number of damages, losses, and cancellations. If the expenses exceed the coverage limit, you’ll have to cover the remaining costs out of pocket.

When considering Airbnb insurance for traveling, it’s essential to compare it with other options to determine which policy best suits your needs.

Traditional insurance policies provide broader coverage than Airbnb.

These policies cover a wide range of events, including trip cancellations and interruptions, medical emergencies, and lost or stolen baggage.

However, traditional insurance policies can be more expensive than Airbnb travel insurance.

Some credit cards also offer travel insurance benefits as a perk.

However, these policies might not provide the same level of coverage as traditional policies, and the coverage limits might be lower than what Airbnb has to offer.

In addition to the guest refund policy, Airbnb also provides Host Protection Insurance for hosts.

This policy provides protection against property damage and liability claims that might occur during a guest’s stay. The policy covers up to $1 million in damages or liability claims.

Host Protection Insurance is free for all Airbnb hosts and protects against a wide range of events, including theft, vandalism, and accidents.

This policy can provide hosts with peace of mind knowing they’re protected in case of any unforeseen events that might occur during a guest’s stay.

To purchase Airbnb travel insurance, follow these steps:

• Log in to your Airbnb account and search for the property you’d like to book .
• You’ll see an option to add travel insurance on the booking page. Click on the “Add” button to view the available policies.
• Choose the policy best suits your needs and review the coverage and terms.
• Complete the booking process, and the travel insurance policy will be added to your reservation.

When choosing Airbnb travel insurance, it’s essential to consider the following factors:

• Coverage limits: Ensure that the coverage limits are sufficient to cover your expenses in case of a significant event.
• Types of coverage: Review the available coverage types and ensure they align with your needs.
• Provider: Choose a reputable insurance provider with excellent customer service and a reliable claims process.
• Cost: Consider the cost of the policy and ensure that it fits within your travel budget.

1. Is Airbnb travel insurance mandatory?

It is not mandatory, but protecting yourself against unforeseen events is recommended.

2. Does Airbnb insurance cover flight cancellations?

No, it only covers trip cancellations and interruptions due to unforeseen circumstances such as illness, injury, or natural disasters.

3. How much does Airbnb travel insurance cost?

Its cost varies depending on the provider and the coverage you select. The cost can range from a few dollars to several hundred dollars.

4. Can I cancel my Airbnb insurance policy?

Yes, you can cancel your insurance policy, but you must do so before your trip starts.

Airbnb insurance can provide peace of mind for travelers and hosts alike. The policy covers unexpected events such as trip cancellations, interruptions, and damages that might occur during your stay.

While the coverage limits and costs might be a concern, it can be a valuable investment for those who want to protect themselves against unforeseen events.

When considering insurance by Airbnb, it’s essential to review the available coverage types, the coverage limits, and the cost to determine whether it’s worth the investment for your specific travel needs.

Related Posts:

What to know about Airbnb insurance

Advertiser disclosure.

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.

Our content is backed by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How We Make Money

The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.

• Share this article on Facebook Facebook
• Share this article on Twitter Twitter
• Share this article on LinkedIn Linkedin
• Share this article via email Email

• • Auto insurance
• • Home insurance

• • Life insurance
• Connect with Natasha Cornelius, CLU on LinkedIn Linkedin

The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation of how we make money . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure .

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts , who ensure everything we publish is objective, accurate and trustworthy.

Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.

• We guide you throughout your search and help you understand your coverage options.
• We provide up-to-date, reliable market information to help you make confident decisions.
• We reduce industry jargon so you get the clearest form of information possible.

All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.

Editorial integrity

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.

Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Key takeaways

• Renting your home on Airbnb may not be covered by your homeowners insurance if it is considered a business activity.
• Airbnb offers a free insurance plan called AirCover, but it may not cover all potential damages or liabilities.
• It is important to consult with a licensed insurance agent before listing your home on Airbnb to ensure you have proper coverage.
• Other home-sharing platforms, such as VRBO and Flipkey, may have different insurance coverage considerations.

Hosts that choose to rent out all or part of their homes on Airbnb are automatically enrolled in Airbnb’s free AirCover insurance plan. AirCover provides damage and liability protection, plus loss of income coverage if you need to cancel a listing due to guest-related damage. However, Airbnb’s AirCover plan may not be enough on its own to fully financially protect your home. Bankrate’s team of insurance experts explains what you need to know about home and Airbnb insurance before you list your property for rent.

Does homeowners insurance cover Airbnbs?

If you rent your property on Airbnb often enough for your home insurance provider to consider it a business, you likely won’t be covered. If you only rent on the occasional weekend, your home insurance policy may help to cover Airbnb losses like if a guest breaks your television set or a storm blows some shingles off your roof while the home is guest-occupied. But, it is ultimately up to your home insurance company to decide whether you renting out your home counts as a commercial activity, meaning you treat the home you own more as a business than a place you live. Home insurance is designed to financially protect a homeowner (and their financial lender) from unexpected losses — it is not designed to cover businesses.

Your home insurance policy might, however, extend coverage to Airbnb rentals if you rent the home infrequently, like once every few months. In that case, your carrier may view your home as your residence (not your business venture), and your insurance coverage would apply. But, depending on your home insurance company, you might need additional coverage like a standalone policy or home-sharing endorsement . For instance, Allstate offers a HostAdvantage endorsement on their home policy to cover home-sharing rentals. This protects you against things like theft and damage to items within the home.

With Airbnb, home insurance can get complicated. Before you list your home, set aside some time to speak with a licensed insurance agent. They can walk you through what’s covered — and what’s not — under your home insurance policy and help you identify any coverage gaps.  

What does Airbnb’s insurance cover?

Airbnb’s insurance coverage, called AirCover , provides liability insurance and financial protection to hosts for some guest-related damage. It also includes liability insurance for hosts that sell “Experiences” through Airbnb. This free coverage is designed to financially protect hosts and others involved in your rental, like co-hosts and cleaners.

AirCover Host damage protection

Host damage protection provides up to $3 million in coverage to financially protect hosts if a guest damages the inside or outside of their property , including the host’s personal belongings, appliances and vehicles. Some things it covers include:

• Damage to your home, property or belongings from a guest.
• Damage to your parked vehicles or boats caused by guests.
• Lost income if other bookings must be canceled due to unexpected guest damages.
• Extra cleaning required due to damage caused by guests.

AirCover Host liability coverage

The other component of AirCover is Host liability insurance . It offers up to $1 million in bodily injury liability coverage if a guest is injured on your property during their stay. It also includes coverage for a guest’s property that is damaged or stolen during their stay. Host liability insurance does not cover intentional damage, injury or situations covered under Host damage protection. Here’s what this policy type may cover:

• Bodily injury liability for guests and other people, like cleaners and Co-Hosts.
• Property damage coverage for guests’, cleaners’ and Co-Hosts’ personal belongings.
• Property damage in common areas, like building lobbies, caused by a guest.

What does AirCover not cover?

AirCover has some notable exclusions:

• Intentional damage or injuries
• Regular wear and tear 
• Cleaning and trash removal fees 
• Damage related to acts of nature like earthquakes, hurricanes, floods and severe weather
• Mold damage

Most of these things are already common home insurance exclusions , except for severe weather. Remember, if your home insurance company determines that you’re using your home as a business, your claim could be denied even if the damage results from a covered home insurance policy peril.

How to file a claim with AirCover

If you need to file a claim with Airbnb’s AirCover for Hosts, you can start a reimbursement request online for a damage protection claim. You must log into your account, select which reservation you are requesting reimbursement for, and follow the steps. For a Host liability insurance claim, you can fill out the liability claim form to submit, which will start the claims process.

Where to find insurance for Airbnbs

Airbnb insurance by itself may not be enough. To help fill in coverage gaps, some major insurers offer special insurance for Airbnb hosts, typically called short-term rental insurance . Depending on where you buy it from, short-term rental insurance may be available as an add-on to your home insurance or as a separate policy. These insurers include:

• Proper Insurance
• Liberty Mutual

Landlord insurance may also act as insurance for Airbnb hosts, but this will also depend on where you buy your policy. Some landlord insurance providers will not cover a property that is left vacant for long periods of time, which is something an Airbnb host could run into. Speaking with a licensed insurance agent can ensure that the Airbnb insurance coverage you’re purchasing will cover what you need it to.

Insurance for other rental sites

If you rent your home through a site other than Airbnb, you’ll likely still need to have some type of short-term rental insurance in place to protect your investment. Here are some of the insurance coverage considerations from other popular home-sharing platforms:

• VRBO: VRBO provides $1 million in liability coverage for stays that are processed through the HomeAway checkout platform. The policy does not include coverage for damage that tenants cause to your property.
• FlipKey: While FlipKey doesn’t offer its own insurance policy for hosts, it does suggest that hosts talk with their insurance agents about their needs so that hosts have adequate financial protection.
• Onefinestay: Onefinestay has an insurance policy for hosts, which covers theft and damage . However, the company recommends that hosts check their existing policies for coverage and notes that hosts can purchase their own coverage.
• Booking.com: Booking.com provides homeowners and property managers with $1 million in liability coverage at no additional charge. Unlike Airbnb, homeowners must opt-in for Booking.com coverage.

Frequently asked questions

Is airbnb insurance enough, is aircover free, does airbnb offer travel insurance, do i need to tell home insurance about airbnb.

Related Articles

HO-4 insurance: what it covers and who might need it

What is dwelling insurance?

Does homeowners insurance cover you when hosting a party?

Short-term rental insurance

Travel insurance and assistance services for residents in certain Canadian Provinces

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

Airbnb guests who live in certain Provinces in Canada can add travel insurance and assistance services on the checkout page. The insurance policy is underwritten by Europ Assistance S.A. Canada Branch and offered by Airbnb Canada Insurance Services Inc.

Don’t live in Canada? Travel insurance is also available to residents of the United States , and residents of the United Kingdom and certain countries in the European Union . Reservation insurance is available to residents of France. And guests everywhere 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.

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 insurance policy, as well as a link to your insurance details page, where you cancel your insurance, 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 Europ Assistance 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, injury, flight cancellation due to weather or mandatory evacuation 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.
• Emergency medical: Get reimbursed up to CAD $5,000,000 (for comprehensive plans covering international trips) or up to CAD $25,000 (for domestic plans covering domestic trips) for approved emergency medical services during your trip such as hospital and ambulance services or dental services. Note that pre-existing medical conditions may not be covered, as outlined below.
• Trip interruption: Get reimbursed for up to 150% of your Airbnb reservation cost for unused nights if your trip is delayed or interrupted after departure for a covered event such as illness, injury or flight cancellations or delays due to severe weather. Note that airport taxes, port taxes, insurance premium, services fees and booked activities during the trip aren’t covered.
• Missed departure: Get reimbursed for up to CAD $1,000 per person for the costs of extra accommodation and transport to get to your destination or back home if your transport does not follow its original scheduled time or the vehicle you are traveling has a breakdown.
• Delayed departure: Get reimbursed up to CAD $1,500 per person if your trip is delayed for 4 hours or more for a covered reason, such as a fire, storm, strike, bad weather. Covered expenses may include meals, accommodations, and parking costs.
• Baggage: Get reimbursed up to CAD $3,000 per person if your baggage is stolen by violent robbery or is lost or damaged caused by your travel carrier.
• Baggage delay: Get reimbursed up to CAD $500 per person for clothing, toiletries, and certain other expenses if the delivery of your checked-in baggage is delayed for 24 hours or more.
• Sporting equipment: Get reimbursed up to CAD $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 CAD $1,000 per person for rentals and certain other expenses if your sporting equipment is delayed for 24 hours or more.
• Passport and travel documents: Get reimbursed up to CAD $500 per person for expenses incurred if your passport is lost or stolen outside your home country during your trip.
• Flight accident: Get compensated up to CAD $100,000 if you suffer death, loss of limb, loss of sight or permanent total disability as a result of injury sustained in a flight accident during your trip 
• Travel Accident:  Get compensated or up to CAD $50,000 if you suffer death, loss of limb, loss of sight or permanent total disability as a result of injury sustained in a travel accident.

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 a disease, illness or injury that exists before the insurance was purchased.

Pre-existing conditions are covered but certain stability conditions apply for comprehensive plans covering international trips. Consult your policy for further details.

Assistance services

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

Who’s covered

Each travel insurance and assistance services 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

Canada residents can cancel their travel insurance and assistance services plan within 10 days of purchase for a full premium refund. Please note that you are not able to 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 Europ Assistance from start to finish. You start a claim by going to your policy details page and selecting Start a claim , or by contacting Europ Assistance 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 Europ Assistance by calling 1 (888) 352-1311 or send an email to: [email protected] .

For medical and travel emergencies, call 1 (888) 352-1311 or local collect call at 1 (416) 874-1311.

Travel insurance coverages are underwritten by: Europ Assistance S.A. Canada Branch and offered by Airbnb Canada Insurance Services Inc.

Money latest: Morrisons shoppers are going to notice two changes in stores

Morrisons has launched two major changes for shoppers – with stores offering travel money and trolleys now featuring advertisements. Read this and all the latest consumer and personal finance news below - and leave your thoughts in the box.

Thursday 25 April 2024 19:51, UK

• Halifax hikes mortgage rates - as entire market moves upwards
• Renters' Reform Bill signed off - but with indefinite delay to no-fault evictions ban
• Morrisons rolls out bureau de change and trolley adverts

Essential reads

• The world of dark tourism - what is it, is it ethical, and where can you go?
• Money Problem : I have a mortgage offer - will it change now rates are rising?
• Savings Guide : Why locking into fixed-rate bond could be wise move
• 'More important than a will': What are lasting power of attorneys and how much do they cost?
• Cheap Eats : Michelin chef's secret lasagne tip - and expensive ingredient you shouldn't use

Ask a question or make a comment

Halifax has become the latest major lender to up mortgage rates.

They are putting up a range of deals by 0.2%.

BM Solutions also announced increases today.

It follows similar moves by TSB, NatWest, Virgin, Barclays, Accord, Leeds Building Society, HSBC and Coventry last week.

Lenders are responding to swap rates - which dictate how much it costs to lend money - rising on the back of higher than expected US inflation data, and concerns this could delay interest rate cuts there. 

US trends often materialise elsewhere - though many economists are still expecting a base rate cut from 5.25% to 5% in the UK in June.

This is what average mortgage rates look like as of today...

Justin Moy, managing director of EHF Mortgages, told Newspage: "Yet more bad news for mortgage borrowers, as two of the biggest lenders announce increases to their fixed-rate products. 

"As mortgage rates creep up and past 5% even for those with the largest deposits, we seem to be lacking a clear strategy of the government or the Bank of England on how rates will eventually fall. 

"Even 2% inflation may not be enough to reverse the recent trends in rates."

Morrisons has launched two major changes for shoppers – with stores now offering travel money and trolleys featuring advertisements.

Announcing their bureau de change service, Morrisons said customers could exchange currencies in select stores or could place their money orders online at Morrisonstravelmoney.com.

Using the online service means customers can either click and collect their cash in certain Morrisons stores or at any of Eurochange's 240 branches. Alternatively, they can go for home delivery.

Services director at Morrisons, Jamie Winter, said the service "will provide our customers with easy access to a wide range of currencies at competitive exchange rates".

So far, stores in the following areas have travel money kiosks:

• Basingstoke

In other news, the supermarket chain rolled out a new trolley advertising across 300 stores in a partnership with Retail Media Group.

A sweetener used in drinks, sauces, savoury and sweet foods and chewing gum can cause serious damage to people's health, according to a new study.

Neotame, a "relatively new" sweetener, could damage the intestine by causing damage to healthy bacteria in the gut, according to the study, leading it to become diseased and attack the gut wall.

The study by Anglia Ruskin University (ARU), published in the journal Frontiers in Nutrition, found the negative effect of neotame "has the potential to influence a range of gut functions resulting in poor gut health", potentially impacting metabolic and inflammatory diseases, neuropathic pain, and neurological conditions.

The illnesses this could lead to include irritable bowel disease or insulin resistance.

Read the full story here ...

As we reported yesterday, a pilot programme is coming into force in Venice today that means visitors have to pay a €5 (£4.28) charge to enter the city.

Authorities say the pilot programme is designed to discourage tourists and thin the crowds that throng the canals during peak holiday season, making the city more liveable for residents.

Pictures have been emerging this morning of people queueing to register for a QR code that will allow them to enter after they have paid the charge - and officials carrying out checks on people inside the city.

People found to be contravening the rules can be fined up to €300 (£257).

As detailed in our story , the move has been met with anger among some in the city.

Venice is the first city in the world to introduce a payment system for tourists - but comments from its most senior tourist official suggested it may become a more common practice for major tourist hotspots in Europe.

Simone Venturini revealed the pilot programme was being closely watched by other places suffering from mass tourism - including other Italian art cities and hugely popular weekend-break destinations Barcelona and Amsterdam.

More than 160,000 people switched to Nationwide from other providers at the end of 2023, when the building society was offering a huge cash switching incentive.

According to figures from the Current Account Switch Service (CASS), Nationwide had a net gain of 163,363 account switchers between October and December, after leavers were taken into account.

It was the highest quarterly gain since the same period in 2022, when 111,941 switched to Nationwide.

The building society launched a £200 switching bonus for new joiners in September last year - the biggest giveaway on offer at the time. It withdrew the offer just before Christmas.

The latest CASS figures, which show Nationwide had 196,260 total gains before accounting for leavers, suggesting it could have spent up to £39m on nabbing customers from other providers in the last three months of the year.

Barclays and Lloyds Bank saw more modest net gains of 12,823 and 5,800 respectively, while the rest of the UK's big banks reported net losses.

NatWest and Halifax fared worst, losing over 40,000 more switchers each than they gained.

This week saw the last remaining switching offer on the market withdrawn.

Sainsbury's is having technical issues again - with shoppers taking to social media to say their deliveries have been delayed or cancelled.

The supermarket has been replying to customers saying: "I'm really sorry about the tech issues this morning. 

"We're aware of the situation and are working to sort it as quickly as possible. In the meantime, we'd advise you place a new order for a future date."

Customer Andrew Savage wrote: "Order has not been delivered and no confirmation email this morning."

Another, John B Sheffield, said: "So angry! Just got through to your customer line after 40 min WAIT. 

"Tells me NO DELIVERIES TODAY! tech problem? I've NO FOOD IN! ANGRY!"

In a statement to Sky News, a Sainsbury's spokesperson says: "A small technical issue affected some groceries online orders this morning. 

"We have contacted these customers directly to apologise for the inconvenience." 

In another update at 10am, the supermarket said that the issue has been resolved. 

Responding to customers on X, Sainsbury's also offered those affected e-vouchers and details on how to rebook their orders.

It comes a month after the supermarket had to cancel almost all deliveries on a Saturday in mid-March due to another technical issue.

By Daniel Binns, business reporter

A potential $38.8bn (£31bn) takeover of UK-based mining company  Anglo American  has sent its shares soaring - and helped the FTSE 100 hit yet another record high this morning.

The attempted mega-merger, by larger Australian rival BHP, is currently being reviewed by Anglo American's board.

The deal, if it goes through, would create the world's biggest copper mining company - and comes as the price of the metal continues to climb amid soaring demand.

Anglo American's shares have surged as high as 13% this morning as news of the negotiations emerged.

The announcement also helped spur the FTSE 100 to a new intraday (during the day) high of 8,098 points.

The index, of the London Stock Exchange's 100 most valuable companies, has hit a string of records this week, including  an all-time closing high of 8,044 points  on Tuesday.

The score is based on a calculation of the total value of the shares on the index.

Also moving the markets are a string of company results which were published earlier on Thursday.

Among those issuing updates to investors was drugsmaker AstraZeneca. Its stock is up more than 5% after the firm reported quarterly profit and revenue above market estimates.

Unilever is also up 5% following similar better-than-expected quarterly figures.

Another good performer is  Barclays  - despite reporting a 12% fall in profits for the first three months of 2024. Its shares are up more than 4%.

That's because its quarterly figures are slightly better than expected, and the bank has said it expects its fortunes to improve later this year.

Meanwhile, as tensions in the Middle East continue, the price of a barrel of Brent crude oil continues to hover at a price of around $88 (£70).

This morning £1 buys $1.25 US or €1.16, similar to yesterday.

Every week we get experts to answer your Money Problems - usually on a Monday, but today we have a short, bonus addition in light of multiple lenders raising mortgage rates this week on fears an interest rate cut could be delayed to a little later this year (note: many economists still think it will come in summer).

A few readers have got in touch with questions similar to this one...

My remortgage is due to complete on 1 May. I already have an offer but with rates going up, is there any way at all my offer rate could increase? Saz681

We asked David Hollingworth, director at L&C Mortgages, to answer this one...

It's great news that you are already set up with a mortgage offer, Saz - ready to make a smooth switch to a new deal and/or lender, once the current one ends.  

It does take time to set up a new mortgage so shopping around the market a good few months ahead will help you put everything in place and avoid slipping onto a high variable rate.

Fixed rates have been nudging up slightly but you have already got a formal offer in place so shouldn't worry.  

Applying for a mortgage will generally secure that rate and the lender will then carry out any further checks to issue the mortgage offer.  

The offer will be valid for a specified period, often for up to six months. Rates are always shifting for new customers but you can rest easy that your rate should be safe and sound for your switch in May.

This feature is not intended as financial advice - the aim is to give an overview of the things you should think about. Submit your dilemma or consumer dispute, leaving your name and where in the country you are, by emailing [email protected] with the subject line "Money blog". Alternatively, WhatsApp us  here .

By Ollie Cooper , Money team

Interest in a phenomenon known as "dark tourism" has been steadily rising in recent years - but what is it?

To find out, we've spoken with tourism academic  Dr Hayley Stainton  and renowned dark tourist and author Dr Peter Hohenhaus, who runs a  dark tourism website .

What is it?

In general, dark tourism involves travelling to sites connected to death or disaster.

"Dark tourism has been around for as long as we have been travelling to places associated with death," Dr Stainton says. 

However, the term wasn't officially coined until 1996 by John Lennon, a professor of tourism at Glasgow Caledonian University, in Scotland.

"Not everyone is familiar with the term," says Dr Stainton, "[but] many people have been a dark tourist at some time or another, whether intentional or not."

Some examples of the most famous sites

• Auschwitz concentration camp, Poland
• 9/11 Memorial and Museum in New York, US
• Chernobyl, Ukraine 
• Hiroshima and Nagasaki, Japan
• Choeung Ek "killing fields" and the Tuol Sleng genocide museum at the former S-21 prison in Phnom Penh, Cambodia 

Areas with a degree of infamy, like Alcatraz, are extremely popular spots that also fall under the "dark tourism" umbrella. 

How popular is it?

Dr Hohenhaus and Dr Stainton say they have noticed a rise in its popularity. 

"Tourists are looking for more unique and unusual experiences," Dr Stainton says. 

"This has seen a move away from the more traditional 'sun, sea and sand' type holidays to a variety of different tourism forms, which includes dark tourism."

Dr Hohenhaus adds: "Maybe people want to connect to more recent and hence more personally relevant history - that is definitely the case with myself."

He goes on: "I think I've learned more about the world through dark tourism than through all of my formal education or my previous academic career."

Is it ethical?

This is the big question associated with dark tourism. 

Dr Stainton says that while problems do arise, the stigma around the practice is often misguided. 

"People don't visit sites like the killing fields in Cambodia or the site of Chernobyl for 'fun' - they visit for the educational experience, as dark tourism is often also a form of educational tourism," she says.

Problems arise when tourists are not respectful to those who may have been impacted.

"For instance, taking inappropriate photos or laughing and joking when others may be in a state of mourning."

Notorious examples include people taking selfies outside Grenfell Tower and at Auschwitz. 

"It is therefore imperative that dark tourists are considerate of those around them and respectful at all times," Dr Stainton says.

"As long as you are not just after a cheap sensationalist thrill - take dark tourism seriously and do it right, and it can be an immensely enriching thing to engage in."  Dr Hohenhaus

Where could you go? 

These are Dr Hohenhaus' recommendations:

• Ijen crater in Indonesia - where at night you can see the fabled blue flames of the sulphur mines next to the volcano crater lake;
• The Polygon, the former Semipalatinsk nuclear weapons test site of the USSR, now in Kazakhstan;
• The Goli Otok former prison island off the coast of Croatia;
• The Murambi memorial to the Rwandan genocide - which Dr Hohenhaus says is "certainly the very darkest place I have ever been";
• Majdanek concentration camp memorial near Lublin, eastern Poland.

What do you think of dark tourism? Is it misunderstood, educational or abhorrent?  Let us know in the comments section...

John Lewis will be sharing its job interview questions online in an attempt to find the "best talent".

The retail chain hopes that allowing candidates to view questions before an interview will allow prospective employees to "really demonstrate what they can do" and prepare, the Financial Times reports.

John Lewis talent acquisition lead Lorna Bullett told Sky News that interviews can feel daunting and "nerves can seriously impact performance".

She added the company want "the right people" from a variety of backgrounds and with "the best talent" to join.

"It makes absolute business sense to find ways of helping candidates to really demonstrate what they can do," she said.

Ms Bullett added that the process will be "no less rigorous".

Be the first to get Breaking News

Install the Sky News app for free