Legal terms
Travel is rewarding, but sometimes things don’t go as expected. People can get sick, flights can get canceled, and bags can go missing. To help protect you financially, there’s travel insurance and assistance services.
Airbnb guests who live in the United States can add travel insurance and assistance services on the checkout page or after booking. The policy is underwritten by Generali US Branch and offered by Airbnb Insurance Agency LLC.
Don’t live in the US? Travel insurance is also available to residents of certain Canadian provinces, and residents of the United Kingdom and certain countries in the European Union. Reservation insurance is available to residents of France. And guests everywhere can purchase travel insurance outside of Airbnb, directly through a travel insurance company’s website or by shopping around on a comparison site.
Adding insurance to your reservation
If your reservation is eligible, you’ll be given the option to add travel insurance and assistance services on the checkout page. You’ll also be given the option to add travel insurance and assistance services after you book—just look for the Add to your trip button on your booking confirmation email and reservation details page.
Before adding travel insurance and assistance services to your reservation, be sure to review all the details to make sure it’s right for you.
Shortly after your travel insurance and assistance services purchase is confirmed, you’ll get an email that includes a copy of your plan, as well as a link to your plan details page, where you can cancel your plan, start a claim, and more.
Making changes to your reservation
Your travel insurance and assistance services plan will be automatically updated if the dates of your reservation or guest count change and there is no claim on the existing policy. If the change impacts the total price of your reservation, you’ll be charged or refunded an adjusted amount for your travel insurance and assistance services.
What’s covered
Travel insurance through Generali covers:
- Trip cancellation: Get reimbursed for up to 100% of your Airbnb reservation costif you need to cancel for a covered reason, such as illness or a flight cancellation due to weather. Note that events that have already happened or are foreseeable when you purchase the policy, such as a named hurricane, aren’t covered.
- Travel delay: Get reimbursed up to $750 per person if your trip is delayed for 24 hours or more for a covered reason, such as a flight delay or stolen passport. Covered expenses may include meals, a place to stay, and parking costs.
- Medical: Get reimbursed up to $50,000 per person for hospital and ambulance services, prescription drugs, and certain other doctor-ordered medical services. Note that pre-existing medical conditions may not be covered, as outlined below.
- Baggage: Get reimbursed up to $1,000 for luggage, personal items, and travel documents that are lost, stolen, or damaged. Note that portable electronics like laptops and cell phones aren’t covered.
- Baggage delay: Get reimbursed up to $250 per person for clothing, toiletries, and certain other expenses if your baggage is delayed for 24 hours or more.
- Sporting equipment: Get reimbursed up to $1,000 per person for sporting equipment that’s lost, stolen, or damaged. Note that normal wear and tear isn’t covered.
- Sporting equipment delay: Get reimbursed up to $1,000 per person for rentals and certain other expenses if your sporting equipment is delayed for 24 hours or more.
- Trip interruption: Get reimbursed up to 150% of your Airbnb reservation cost for unused nights if your trip is delayed or cut short for a covered reason, such as illness or injury. Certain transportation expenses may also be covered.
- Emergency transportation: Get reimbursed up to $100,000 per policy for medical evacuation, and certain other expenses if you get sick or injured while on your trip.
Coverage for COVID-19
Although pandemics aren’t covered by travel insurance, COVID-19 may be covered in some situations because it’s an illness.
Please note that if you file a claim due to COVID-19, you’ll be asked to provide documentation showing that you, a family member (for example, your child), or someone staying with you at the Airbnb accommodation tested positive while under the virtual or in-person supervision of a qualified medical professional.
Coverage for pre-existing conditions
A pre-existing medical condition is an illness or injury that first manifested itself, got worse, or required treatment in the 180-day period before the insurance was purchased.
Pre-existing conditions are covered as long as you buy insurance within 15 days of booking, and while you’re medically able to travel. (Note that the 15-day requirement doesn’t apply to New York residents, who must only be medically able to travel at the time of purchasing insurance.)
Consult your policy for further details.
Assistance services
Each plan comes with assistance services like a 24-hour emergency hotline, concierge services, and roadside assistance. The amount you’ll be charged for travel protection includes a fee for these services.
Who’s covered
Each plan covers you and up to 9 people staying with you at the Airbnb accommodation. These people don’t have to be added to the Airbnb reservation or named on the policy in order to be covered, and there are no age restrictions.
Canceling your plan
US residents can cancel their travel insurance and assistance services plan within 10 days of purchase for a full premium refund. Please note that you can’t cancel your plan after you’ve departed on your trip or started a claim, even if you’re within your cancellation period.
To cancel your plan, just go to your plan details page and select Cancel plan.
Filing a claim
Claims are handled by Generali from start to finish. You can start a claim by going to your policy details page and selecting Start a claim, or by contacting Generali directly.
How to get help
If you have questions about your travel insurance and assistance services, need help with a claim, or want travel assistance, contact Generali by calling (866) 757-0010 or emailing [email protected].
For medical and travel emergencies, call (877) 243-4135 or collect worldwide at (240) 330-1529.
Travel insurance coverages are underwritten by: Generali U.S. Branch, NY (NAIC #11231) and offered by Airbnb Insurance Agency LLC, CA Lic. No. 6001912.
