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Is Airbnb Travel Insurance Worth It?

Ramsey Qubein

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.

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airbnb travel insurance worth it generali

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

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

Airbnb has launched travel insurance for guests. Hinted at during an earnings call in August 2021 and rolled out in mid-2022, Airbnb is certainly not the first online booking platform to offer guests travel insurance. Vrbo has provided its guests in the US with options for travel insurance for years while online travel agent Hopper even extends trip protection to third-party bookings, expanding its range of fintech products while keeping customers on the app.

What is Airbnb Travel Insurance for Guests?

Travel insurance is a type of insurance purchased by travelers to cover different types of risks and financial losses that they may incur due to unforeseeable reasons in the course of traveling, domestically and/or internationally. These can range from canceled flights and missing luggage to injuries and illness. Travel insurance is usually priced based on the cost of the trip and the age of the traveler.

Airbnb is now offering travel insurance to guests using its platform that they can purchase when making their booking. The policies are issued through the Generali Group.

Is Airbnb Travel Insurance Available to all Airbnb Guests?

At present, Airbnb travel insurance is available to guests residing in the US, UK and some countries in the European Union. These include Austria, Belgium, Germany, Italy, Ireland, Netherlands, Portugal and Spain.

Airbnb will roll out the product to guests living in other parts of the world in the future.

Who Provides Airbnb Travel Insurance Policies?

Airbnb’s travel insurance policies are offered through Generali US Branch and Europ Assistance S.A., both of which are subsidiaries of the leading multinational insurer, the Generali Group.

For residents of the US, the travel insurance policy is offered by Airbnb Insurance Agency LLC which is underwritten by Generali US Branch.

For UK residents, the travel insurance is underwritten by Europ Assistance SA.

Europ Assistance SA, acting through its Irish branch, underwrites the travel insurance for EU residents.

What does Airbnb Travel Insurance Cover?

Airbnb travel insurance covers four main areas with differences in the finer details based on location.

1. Trip Cancellation

Travelers can get reimbursed up to 100% of their reservation cost if they cancel for reasons that are covered. Reasons covered include flight delays due to mechanical breakdown, serious injury or illness, and natural disasters at the trip destination or home location.

For example, if a guest has booked to stay in an Airbnb in Florida under the firm cancellation policy which only provides a full refund if they cancel at least 30 days before check-in, cancels the trip due to a hurricane in the state 10 days before they are set to arrive. The cancellation policy dictates that the host refunds 50% of the booking, leaving the guest at a loss for 50% of what they paid for accommodation. However, because Airbnb travel insurance covers natural disasters like hurricanes, the guest will receive the remaining 50% as an insurance payout.

2. Travel Delay

If the trip is delayed for at least 12 hours due to an unforeseeable circumstance such as mechanical breakdown of the guest’s vehicle; a storm, fire, or flood at the point of departure; or loss of travel documents or money, Airbnb travel insurance will reimburse the insured traveler for certain additional expenses incurred as a result.

3. Medical Assistance

Insured Airbnb guests can also get reimbursed for medical expenses they incur while traveling abroad. These include costs of medication prescribed by a doctor, ambulance journeys ordered by a doctor, and hospitalization.

Insured travelers are reimbursed for luggage that has been definitively lost or damaged by the carrier.

Airbnb travel insurance also includes emergency and travel assistance services available 24/7 as well as other perks.

What does Airbnb Travel Insurance Not Cover?

The specifics of how coverage is defined and thus what is not covered is dependent on 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 are provided at the booking window where guests can choose to purchase Airbnb travel insurance or not.

How is Airbnb Travel Insurance for Guests Different from Airbnb AirCover for Guests?

While Airbnb AirCover for hosts had existed previously, albeit under a different name, Airbnb introduced AirCover for guests as part of its 2022 Summer Release . It is an entirely different product from Airbnb travel insurance.

Airbnb AirCover is provided to all Airbnb guests, for free, while Airbnb travel insurance is a paid product that guests can choose to purchase.

Airbnb AirCover is a set of protections while Airbnb travel insurance is an actual insurance product.

Airbnb AirCover covers issues that occur during the stay at the host’s Airbnb vacation rental while Airbnb travel insurance covers issues outside the host’s control, such as trip delays, natural disasters, and guests falling sick.

Airbnb AirCover protections are paid for by hosts while Airbnb travel insurance is paid for by the insurance company underwriting the policy. There is zero host involvement.

Airbnb AirCover is made available to all travelers who book through Airbnb while only residents of the US, UK, and some EU countries are provided with the option to purchase Airbnb travel insurance.

How Much Does Airbnb Travel Insurance for Guests Cost?

Airbnb travel insurance doesn’t have a fixed price. It is dependent on the total cost of the trip and the location of residence from which the guest is making their booking. Generally, the travel insurance premium is a percentage of the total trip cost.

The cost will be shown as a line item at checkout.

How to Add Airbnb Travel Insurance to Your Booking?

Eligible Airbnb users are provided the option of adding travel insurance during booking.

On the checkout page, guests can opt to purchase Airbnb’s travel insurance product.

The details of the insurance plan available to them including key areas of coverage and exclusions can be viewed on dedicated screens.

Guests simply add travel insurance to the booking before checkout.

Once the reservation is confirmed, the guest will receive an email confirming the purchase of travel insurance and include a copy of the insurance policy. The email will also include a link to their insurance coverage overview page where they can cancel the plan, start a claim, etc.

How to Cancel your Airbnb Travel Insurance?

Airbnb travel insurance can be canceled on the coverage overview page by selecting Cancel policy . The link to the page is sent in the email confirming purchase of the travel insurance.

Guests can cancel their policy within a set number of days of purchase to obtain a full premium refund.

Airbnb guests residing in the US with the exception of Indiana can cancel their policy within 10 days of purchase. Indiana residents can cancel within 30 days of purchase.

UK and EU residents can cancel within 14 days of purchase.

Guests cannot cancel their policy after they have started their trip or started their claim even if they are within the cancellation period.

How to File a Claim for Airbnb Travel Insurance?

Travelers who have purchased Airbnb travel insurance can start a claim by selecting Start a claim on their coverage overview page. The link to the page is sent in the email confirming purchase of the travel insurance.

Claims can also be started by directly contacting the insurer relevant to each country. Therefore, US residents can contact Generali directly while UK and EU residents can contact Europ Assistance directly.

How to get Customer Support for Airbnb Travel Insurance?

For questions about the plan, claiming process or to request for travel assistance, guests can contact customer support.

US residents can contact Generali customer support by calling (866) 757-0010 or emailing [email protected] . For medical and travel emergencies, they can call (877) 243-4135.

UK residents can contact Europ Assistance by calling +44 203 7888 656 or emailing [email protected] .

Austria residents can contact Europ Assistance by calling +43 120 609 2205 or emailing [email protected] .

Germany residents can contact Europ Assistance by calling +49 302 238 4619 or emailing [email protected] .

Ireland residents can contact Europ Assistance by calling +353 15 41 07 39 or emailing [email protected] .

Italy residents can contact Europ Assistance by calling +39 02 23 33 14 35 or emailing [email protected] .

Netherlands residents can contact Europ Assistance by calling +31 207003745 or emailing [email protected] . For travel assistance they can call +32 2 541 9011.

Portugal residents can contact Europ Assistance by calling +34 915 368 419 or emailing [email protected] .

Spain residents can contact Europ Assistance by calling +34 915 143 721 or emailing [email protected] .

What if You are Not Eligible for Airbnb Travel Insurance?

There is an assortment of travel insurance products available to all types of travelers everywhere. So if you are not a resident of the US, UK, or eligible EU country and booking through Airbnb, you can still purchase travel insurance directly from an insurance provider or agent. Make sure to read reviews and check comparison sites to ensure you are getting the best value for your spend.

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.

Airbnb travel insurance is more than just a step in creating new revenue streams. It is also a means of providing added convenience to users inclined to purchase travel insurance while keeping them inside the Airbnb platform instead of roaming elsewhere in search of travel products. Providing the option can also encourage guests who may not usually opt for travel insurance to do so while deflecting blame away from Airbnb during instances such as Hurricane Ian of 2022 which left guests at the mercy of hosts being able to afford or willing to refund their guests for missed travel plans.

At present, the product is considered to provide decent coverage for a reasonable price though it is yet to provide fuller coverage such as cancellations for any reasons or full travel costs as provided by more exciting products available on the market.

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Is Airbnb Travel Insurance Worth It?

  • August 26, 2023

Is Airbnb Travel Insurance Worth It?

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.

Mr. Silas

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.

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

  • June 7, 2022

airbnb guest travel insurance (1)

For local inhabitants and businesses, the disaster is also economic. Florida is a big travel market. With great beaches and world-famous attractions such as Walt Disney World and Universal Studios, the state attracts many families who book a vacation rental for their stay. Cities like Orlando and Kissimmee usually rank high in market size for vacation rental revenues.

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.

airbnb guest travel insurance

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.

airbnb guest travel insurance

How can you buy guest travel insurance on Airbnb?

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

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

Is it free or paid?

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

How much does the Airbnb guest travel insurance cost?

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

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

So here are the main differences with Aircover for guests:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The challenges of offering an insurance product on a global basis

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

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

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

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

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

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

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

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

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

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

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Does Travel Insurance Cover AirBnb? Everything You Need to Know

Does Travel Insurance Cover AirBnb? Everything You Need to Know

Last Updated: July 17, 2023 October 3, 2023

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 offer 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 host
  • 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 travel insurance 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., and Europe can 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: 

  • 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 policy will reimburse guests unused Airbnb reservation costs should they have to return home for a covered reason.
  • Delay : Receive up to $750 per person for covered delays more than 12 hours. 
  • Medical: Get reimbursed up to $50,000 for doctor ordered medical services including hospital bills, ambulance rides, and prescription medicines. 
  • Baggage: 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. 

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 the stay, the destination, and other risk factors. 

Where Should You Get AirBnb Travel Insurance?

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. We recommend comparing policies from multiple sources before making an insurance decision, such as Airbnb, comparison sites, and airlines if applicable. 

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.

Airbnb Travel Insurance: What Guests Should Know

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

Elizabeth Rivelli

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.

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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

airbnb travel insurance worth it generali

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 ." Accessed September 15, 2023
  • Airbnb . " Aircover for guests ." Accessed September 15, 2023
  • Airbnb . " Travel insurance through Generali ." Accessed September 15, 2023

Elizabeth Rivelli

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 . 

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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.

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

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

What else does the Generali insurance cover?

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

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

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

Worldwide-known home rental platform Airbnb has announced since January 2022 the upcoming launch of a customised insurance product offering exclusive to Airbnb users.

How does the travel insurance work with AirCover?

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

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

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

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airbnb travel insurance worth it generali

Airbnb launches travel insurance

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

airbnb travel insurance worth it generali

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

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

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Tua Assicurazioni has a profitable property and casualty insurance portfolio.

Should you purchase travel insurance for your vacation rental?

Bill Fink

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

airbnb travel insurance worth it generali

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

airbnb travel insurance worth it generali

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

Travel insurance through Europ Assistance

As of September 2022, guests who live in the United Kingdom, Germany, Spain, Italy, Ireland, Netherlands, Austria, and Portugal can purchase travel insurance on the checkout page.

The travel insurance policies are offered by Generali's Europ Assistance Group, trading under the Europ Assistance name in the EU and UK.

Don’t live in the UK or the EU countries listed? Travel Insurance is also available to residents of the United States and 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.

For UK residents

Adding insurance while booking.

You’ll be given the option to add travel insurance on the checkout page when making your Airbnb booking. Before you do, be sure to review the details of the insurance policy being offered and what’s covered to make sure it’s right for you.

Shortly after your reservation is confirmed, you’ll get an email confirming your insurance purchase and providing a copy of your insurance policy. That email will also include a link to your policy details page, which is where you can cancel your policy, start a claim, and more.

Making changes to your reservation

Your travel insurance policy 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.

What the policy covers

The Europ Assistance travel insurance policy includes:

  • Travel cancellation : Get reimbursed for up to 100% of your non-refunded Airbnb reservation cost if you cancel for a covered reason, such as: serious illness or injury, a flight delay due to mechanical breakdown, or a natural disaster at your home or destination.
  • Delayed departure : Get reimbursed for certain additional expenses you incur because your trip is delayed for 12 hours or more for a covered reason. Covered reasons include a storm, fire, or flood at the departure point; mechanical breakdown of your vehicle; and loss of travel documents or money.
  • Medical assistanc e: Get reimbursed for medical expenses you incur while traveling abroad, such as: hospitalisation costs, medication prescribed by a doctor, or ambulance journeys ordered by a doctor.
  • Luggage : Get reimbursed if your luggage is lost definitively or damaged by your carrier.

What’s not covered

  • Pre-existing medical conditions : If you’re traveling with medical conditions, you may need additional or alternative coverage. For information, contact the Money and Pensions Service by calling +44 (0) 80 0138 7777 or searching their medical cover firm directory .
  • Certain travel costs : You can’t get reimbursed for the cost of planned transport (including flights, trains, and ferries) to and from your Airbnb listing if you need to cancel your reservation before you depart on your trip.

Is COVID-19 covered?

Although pandemics aren’t covered by travel insurance, COVID-19 is covered in some situations because it’s considered to be a serious illness. Unexpected illness is a covered reason under the travel cancellation, medical assistance, and travel curtailment benefits. You’re not covered for travel disruptions caused by COVID-19, like border closures and quarantine mandates.

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.

Who’s covered

Every policy covers the guest who purchased it and the people who are staying with them 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 policy

UK residents can cancel their policy within 14 days of purchase for a full premium refund. Please note that you can’t cancel your policy after you’ve departed on your trip or started a claim, even if you’re within the 14-day cooling-off period.

To cancel your policy, just go to your coverage overview page and select Cancel policy .

Starting a claim

Claims are handled by Europ Assistance from start to finish. You can start a claim by going to your coverage overview page and selecting Start a claim or by contacting Europ Assistance directly.

How to get help

If you have questions about your policy, need help with a claim, or want travel assistance contact Europ Assistance by calling +44 (0) 203 7888 656 or emailing [email protected] .

For UK residents, travel insurance is underwritten by Europ Assistance S.A. UK Branch.

Europ Assistance S.A. is supervised by the French Supervisory authority (ACPR), 4, place de Budapest, CS92459 - 75436 Paris Cedex 09, France. Europ Assistance S.A. UK Branch is authorized by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available on request.

For UK residents, this travel insurance is arranged by Airbnb UK Services Limited. Airbnb UK Services Limited is an appointed representative of Aon UK Limited, who is authorised and regulated by the Financial Conduct Authority. Aon UK Limited’s FCA register number is 310451, you can check this by visiting the Financial Services Register | FCA or calling 0800 111 6768. Travel Insurance is available to guests aged 18 and over. Full terms and conditions apply. FP.AFF.343.LC

For EU residents

  • Medical assistance : Get reimbursed for medical expenses you incur while traveling abroad, such as: hospitalisation costs, medication prescribed by a doctor, or ambulance journeys ordered by a doctor.

Although pandemics aren’t covered by travel insurance, COVID-19 is covered in some situations because it’s considered to be a serious illness. Unexpected illness is a covered reason under the travel cancellation, medical assistance, and travel curtailment benefits.You’re not covered for travel disruptions caused by COVID-19, like border closures and quarantine mandates.

EU residents (excluding France) can cancel their policy within 14 days of purchase for a full premium refund. Please note that you can’t cancel your policy after you’ve departed on your trip or started a claim, even if you’re within the 14-day grace period.

To cancel your policy, just go to your coverage overview page and select  Cancel policy .

If you have questions about your policy, need help with a claim, or want travel assistance:

  • Austria residents: Contact Europ Assistance by calling +43 120 609 2205 or emailing [email protected] .
  • Germany residents: Contact Europ Assistance by calling +49 302 238 4619 or emailing [email protected] .
  • Ireland residents: Contact Europ Assistance by calling +353 15 41 07 39 or emailing [email protected] .
  • Italy residents: Contact Europ Assistance by calling +39 02 23 33 14 35 or emailing [email protected] .
  • Netherlands residents: Contact Europ Assistance by calling +31 207003745 or emailing [email protected] . For travel assistance, call +32 2 541 9011.
  • Portugal residents: Contact Europ Assistance by calling +34 915 368 419 or emailing [email protected] .
  • Spain residents: Contact Europ Assistance by calling +34 915 143 721 or emailing [email protected] .

For EU residents, travel insurance is underwritten by Europ Assistance SA acting through its Irish branch and offered by the insurance intermediary Aon Iberia Correduria de Seguros y Reaseguros S.A.U. with Airbnb Marketing Services S.L.U. acting as an external collaborator. Europ Assistance SA is supervised by the Autorité de contrôle prudentiel et de résolution (ACPR) in France, and its Irish branch is regulated by the Central Bank of Ireland for conduct of business rules. Full terms and conditions apply.

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5 things I learned from my first renters insurance claim that I wish every renter knew

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

  • When I got renters insurance, I guessed how much I needed.
  • After a major flood, I realized I was underinsured.
  • I also learned the value of documenting everything, having an emergency fund, and taking time to recover.

Last summer, I found an amazing condo in the perfect location for rent. Shortly after moving in, I felt settled, but that feeling wouldn't last long.

Right before Christmas, the temperatures in Atlanta hit single digits. Everyone was worried about their pipes bursting. While I was away visiting family for the holidays, I discovered that my condo had flooded.

The worst part about the flood was that it wasn't from my pipes; it started from the neighbor two floors up and eventually ended in my condo (on the first floor). The damage was extensive. An inch of water covered my entire place. My relaxing holiday was cut short, and the following months were nothing like I'd ever experienced.

I've had my share of car accidents and auto insurance claims, but this was my first time having a major loss and filing a renters insurance claim. Here are the most valuable lessons I learned.

1. Make sure you have enough coverage

When it was time to get renters insurance , I did what most people do when valuing my personal property: make a wild guess and hope for the best. I had never reviewed my belongings in detail to see if my coverage limit was sufficient, even after inheriting antique furniture and purchasing high-quality items.

After filing my claim with the insurance company, I had to make a list of everything that needed to be replaced, including the approximate value of each item. Seeing the amounts add up made me realize that I was significantly underinsured. I lost about half of my possessions, valued at nearly my full coverage amount. I would have been on the hook for thousands more if I had experienced a total loss.

After my claim was finalized and I started replacing items, I increased my personal property coverage to a more appropriate amount. The combination of a claim on my record and higher personal property coverage costs me more in premiums, but it's worth it to me now.

2. An emergency fund is a must

An insurance claim takes time. It could be months before you receive your full settlement, and as a result, you will have to pay some expenses out of pocket and submit receipts for reimbursement. In my case, I stayed in a hotel for the first two weeks. My insurance covered my relocation expenses. At the hotel, I had to pay for eating out and doing laundry since I had no direct access to a kitchen, washer, or dryer.

I realized I'd be in temporary housing for a while, and since I work from home, I opted to end my stay in an Airbnb. It was cheaper long-term than a hotel — which meant my living expense benefit lasted longer.

The relocation company only allowed direct billing for hotels, so I had to pay for the Airbnb upfront. I paid thousands out of pocket before getting reimbursed. Thankfully, I had an emergency fund that I started years ago for these unforeseen scenarios.

3. Document, document

To process my claim, I had to submit documentation of everything damaged or destroyed. The more details, especially for valuable items, the faster your claim is processed. I was fortunate to have access to my damaged items. I started by recording a video of the damage and all my belongings. I talked throughout the video, opening drawers, closets, and cabinets. I also took photos of high-cost items to provide evidence of their value. I used the recording to make an itemized list of what needed to be replaced.

When making your list, make sure to include a detailed description of the item, date acquired, and purchase price (with copies of receipts if you have them). If you have a video and photos to accompany the list, it's helpful to include the room or location of each item. In addition, be sure to keep receipts from any expenses you incur along the way so you can submit them for reimbursement.

4. Your payments come in stages

With renters and homeowners insurance policies, you can insure your personal property for replacement cost value or actual cash value (replacement cost value minus depreciation). Since I had replacement cost coverage, I assumed that I would receive a single check for the total value of items lost. My insurance initially paid only a portion of the claim and held back an amount known as recoverable depreciation. Once I could show that I used the money to buy new items, I received a second payment for the balance. This is to prevent insurance fraud.

You don't have to replace every item you lost. You can receive the total claim as long as you show that you used a significant portion of the insurance payment to purchase new items. If you have to relocate temporarily and receive reimbursements for additional living expenses , those payments might also come over time as you incur the costs and submit receipts.

5. Give yourself grace and time to adjust

Moving is already a stressful and emotional experience, but moving with no notice and losing a significant portion of your belongings is traumatic. At times, getting things in order felt like a full-time job. Plus, some unexpected events delayed the process. My insurance adjuster got COVID-19 and was out of work for a while. The person I hired to move items into storage got in a car accident, so I postponed the moving date. Months later, I'm still dealing with being displaced, putting things in storage, replacing belongings, finding a new place to live, and unpacking.

I learned to prioritize self-care and give myself grace as I caught up with work and restored my personal life. I'm forever grateful for friends and family who stepped in to help and clients who remain patient as I work to get caught up.

No one wants to think of the unthinkable, but the reality is that unexpected events take place. We must be prepared to protect our belongings and, frankly, our sanity. Getting through a disaster takes a lot of patience and time. Align yourself with resources upfront so you can get back on your feet and resume normalcy in due time.

This article was originally published in June 2023.

Watch: How Transport for London organizes 340,000 lost items

airbnb travel insurance worth it generali

  • Main content

IMAGES

  1. Airbnb Travel Insurance for Guests: Cost, details, limitations

    airbnb travel insurance worth it generali

  2. Why Airbnb Travel Insurance Is Worth It

    airbnb travel insurance worth it generali

  3. Is Airbnb Travel Insurance Worth It? Exploring the Pros and Cons

    airbnb travel insurance worth it generali

  4. Airbnb invoice

    airbnb travel insurance worth it generali

  5. Airbnb launches travel insurance

    airbnb travel insurance worth it generali

  6. Airbnb launches travel insurance

    airbnb travel insurance worth it generali

COMMENTS

  1. Is Airbnb Travel Insurance Worth It?

    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 ...

  2. Is Airbnb Travel Insurance Worth It?

    Travel insurance policies generally cover your Airbnb, and similar rentals, the same way they cover a hotel stay. As long as your Airbnb booking is paid in advance and nonrefundable, a ...

  3. Generali travel insurance vs refundable bookings : r/AirBnB

    Only public transit, like bus, train or plane. No shit sherlock. The benefit of refundable bookings over travel insurance is not needing to cancel for a "covered reason" or even explain why you want to cancel the booking. You won't need to be sick and authorize HIPAA release or provide a death certificate for a family member.

  4. Understanding travel insurance for Airbnb guests

    *For guests in the U.S., the travel insurance plan is offered by Airbnb Insurance Agency LLC, 222 Broadway, Floor 26, New York, N.Y. 10038, (California license number 6001912), 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 (NAIC #11231) of New York, N.Y.

  5. Travel insurance and assistance services for US residents

    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.

  6. Generali Global Assistance Travel Insurance Review 2024

    How To File a Claim with Generali Global Assistance Travel Services. You can file a claim on the company website, or by calling the Generali Global Assistance claim service number: (800) 541-3522 ...

  7. Airbnb Travel Insurance

    Our Airbnb Rental. To see how the new Airbnb travel insurance from Generali fares, we booked a sample trip for a week's stay in Miami at a luxurious condo overseeing the beach. The price is $225 per night for a total of $1,575 for the week. With taxes, cleaning fees etc., the total cost of the stay will be $2,027.84.

  8. Airbnb Travel Insurance for Guests

    Airbnb travel insurance also includes emergency and travel assistance services available 24/7 as well as other perks. ... US residents can contact Generali customer support by calling (866) 757-0010 or emailing [email protected]. For medical and travel emergencies, they can call (877) 243-4135. ...

  9. AirCover for guests and travel or reservation insurance

    Airbnb guests who live in the United States, United Kingdom, Germany, Spain, Italy, Ireland, Netherlands, Austria, and Portugal can purchase travel insurance on the checkout page. The travel insurance policies are offered by Generali's Europ Assistance Group, trading under the Generali name in the US and Europ Assistance in the EU and UK.

  10. Is Airbnb Travel Insurance Worth It?

    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). ... Whether or not Airbnb travel insurance is worth it depends on your ...

  11. Airbnb Travel Insurance for Guests: Cost, details, limitations

    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 ...

  12. Does Travel Insurance Cover AirBnb?- Squaremouth

    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.

  13. Airbnb Travel Insurance: What Guests Should Know

    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.

  14. Airbnb partners with Generali to offer travel insurance

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

  15. Airbnb launches travel insurance

    In January, Airbnb announced the upcoming launch of a "custom-built" guest travel insurance product offering exclusive to Airbnb guests. The product was set to be launched in the spring with a "reputable insurance carrier" as the underwriter. The product is now live for guests in the US, and the reputable insurance carrier is Generali.

  16. Is the travel insurance always this useless or am I an idiot?

    Travel insurance reimburses your Airbnb reservation cost if you need to cancel due to illness, flight delays, and more. Travel insurance is separate from AirCover and AirCover is not insurance. This policy is underwritten by Generali U.S. Branch, NY (NAIC # 11231) and offered by Airbnb Insurance Agency LLC. Terms and conditions apply; review ...

  17. Should you purchase travel insurance for your vacation rental?

    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.

  18. Airbnb Travel Insurance: Cover Your Next Vacation Rental Booking

    Multiple third-party travel insurance companies can be used when booking your Airbnb accommodation. Here's a running list of important policy coverage to look for: • Trip cancellation. • Trip interruption. • Medical expenses. • Emergency assistant services such as an ambulance ride. • Lost and damaged baggage.

  19. Travel Insurance : r/AirBnB

    If you have questions about your plan, need help with a claim, or want travel assistance, contact Generali customer support by calling (866) 757-0010 or emailing [email protected]. For medical and travel emergencies, call (877) 243-4135. Travel insurance means you file a claim with the insurer. Airbnb probably is not the insurer ...

  20. Travel insurance through Europ Assistance

    If you have questions about your policy, need help with a claim, or want travel assistance contact Europ Assistance by calling +44 (0) 203 7888 656 or emailing [email protected]. For UK residents, travel insurance is underwritten by Europ Assistance S.A. UK Branch. Europ Assistance S.A. is supervised by the French Supervisory authority ...

  21. Is Travel Insurance Worth It? Evaluating the Value and Benefits

    The average cost of travel insurance is 5%-6% of your total trip cost. However, the exact cost will vary based on factors such as your age, travel destination, and where you live, and can be as ...

  22. How reliable is Airbnb's Travel Insurance through Generali?

    Travel insurance is a waste of money unless you really suspect you might get seriously ill or an immediate family member is about to die. They have armies of employees finding every possible way they can to deny your claim. Don't waste your time or money. Generalli is a scam company and doesn't review claims for airbnb they just deny everything.

  23. Travel Insurance Costs Rise: March 11, 2024

    Domestic vs. International Trips. Many Americans who bought travel insurance last week are planning to take their trips abroad: 93% of travel insurance sales were for international trips. The ...

  24. Airbnb Travel Insurance

    Travel insurance with trip cancellation coverage can cover your pre-paid and non-refundable trip costs (including Airbnb costs) if you need to cancel your trip for a covered reason. Even if you make it to your Airbnb and you're enjoying time with family and friends - an emergency back home could cut your trip short.

  25. 5 Things I Learned From My First Renters Insurance Claim

    3. Document, document. To process my claim, I had to submit documentation of everything damaged or destroyed. The more details, especially for valuable items, the faster your claim is processed. I ...

  26. Travel insurance recommendations : r/AirBnB

    The Airbnb insurance doesn't have a cancel for any reason policy. However, if your cancellation reason falls under what's covered the Airbnb insurance team was easy to work with and paid out quickly. Check with whoever you have home/rental policy with. They may be able to tell you.