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Should you purchase travel insurance for your vacation rental?

Vacation rentals booked through Airbnb and its alternatives have become popular holiday destinations for all types of travelers, from extended families staying in large beachfront homes to couples vacationing in swanky city apartments.

But what happens if these rental properties, especially ones worth millions of dollars, get damaged before you arrive or if your plans unexpectedly change, causing you to need to cancel or shorten your stay?

While the exact outcome will depend on the situation, if you purchase travel insurance , you may find you're eligible for compensation.

So how do you know if it's worth the investment before your next trip? TPG dug into the details to determine what standard travel insurance policies may cover you for when staying at home rentals — and when you may want to purchase some additional coverage.

For more TPG news and tips delivered each morning to your inbox, subscribe to our daily newsletter .

What travel insurance covers for vacation rentals

Traditional travel insurance policies offer features that will cover you and your invested travel costs, whether you're staying at a hotel , friend's house or rental property. Although the exact benefits for vacation rentals may vary slightly depending on the policy you choose, there are a few situations that most will cover.

Your vacation is canceled due to sickness, injury or an emergency

Many hotels offer free cancellations until two or three days before arrival so long as you book your rooms with flexible rates. However, this is rarely the case for vacation rentals, which often have strict cancellation policies requiring 30 to 60 days of advance notice to cancel without penalty. Some even go so far as to have completely nonrefundable deposits, regardless of the cancellation circumstances.

Fortunately, there's a workaround to this conundrum if you find yourself in an unexpected situation involving your health or the health of someone close to you: trip cancellation coverage. If you have insurance with trip cancellation coverage and cannot complete your trip as planned due to select health-related issues, you'll be able to recoup up to 100% of your nonrefundable costs.

While the exact cases that are eligible for complete reimbursement vary by policy, know that many pertaining to health are covered. For example, World Nomads ' trip cancellation insurance policy will cover you in the event you need to cancel your vacation, including any stays at home rentals, due to illness, injury or a death in the family.

You have to cut your vacation short due to a medical reason or natural disaster

In addition to helping you out when you need to cancel your entire vacation, insurance can reimburse you for early departure fees when you find yourself needing to cut your vacation rental stay short. Know, though, that you'll need to have a policy offering trip interruption protection to be eligible for this perk.

Covered reasons for ending your stay early will vary from plan to plan, but typically, policyholders can expect reimbursement due to health-related issues and natural disasters like hurricanes, wildfires and blizzards. For instance, IMG's travel insurance covers sickness, injury and natural disaster evacuations when cutting vacation rental stays short.

You cannot stay at the rental due to it being uninhabitable

If you book a vacation rental that is not fit for human habitation, then the booking company or owner should refund all your costs. However, there are rare occasions when this does not happen, so it's important to have travel insurance as a backup.

To qualify for reimbursement from your travel insurance provider due to uninhabitable conditions, you'll need to read the fine print of your chosen policy. Allianz , for example, defines uninhabitable as "a natural disaster, fire, flood, burglary or vandalism that has caused enough damage (including extended loss of power, gas or water) to make a reasonable person find their home or destination inaccessible or unfit for use."

Other situations, such as having an unpleasant or dirty vacation rental , would not be enough to trigger this coverage.

Should you have to find another property or cancel your trip completely due to uninhabitable conditions at your original rental, your travel insurance plan will cover the added costs you incur.

Related: 13 mistakes to avoid on your next vacation home rental

What travel insurance won't cover for vacation rentals

As you may expect, there are some situations when travel insurance won't cover extra expenses related to stays at rental properties. To have a solid understanding of what to expect, be sure to read the fine print of any insurance product you choose. Only circumstances listed in the policy will be covered. The following are two key reasons why you wouldn't be covered.

You accidentally damage the property during a typical stay

Most travel insurance policies will not cover the costs of damage you incur at a rental property, even if it was done by accident. As a result, you must pay for a replacement or repair to any item you accidentally break or damage, such as a work of art, a garage door or wine glasses. Depending on the item in question, this can quickly add up.

If you have a homeowners or renters insurance policy, know that it may include protection beyond regular limits called "umbrella" coverage, which can help cover damage caused at a rental property. Keep in mind, though, that you'll have to pay your deductible first. Additionally, your home insurance rate may rise if you submit a claim for vacation rental damage.

Should you wish to stick with travel insurance, you may be able to add extra vacation rental coverage to a traditional policy to assist with accidental damage. Faye's travel insurance , for example, has an add-on feature that offers "coverage if you unintentionally damage the vacation rental property you're staying in or its contents, while in-trip." It costs about 10% of what you'll spend on the main policy itself.

You damage the property while hosting a party

Across the board, travel insurance policies are much more strict about damage caused during parties. If you host an unapproved party or event at a rental property and damage any part of the rental, you will be responsible for covering costs associated with repairs and replacements.

Even approved events are not entirely off the hook for any damage caused to the property. Should you decide to use a vacation rental for an approved event like a wedding or family reunion, expect the booking company or owner to require you to purchase an event-specific insurance policy that covers guest liability, home damage and other items that may be specific to the location.

Related: 6 truths and myths about 'cancel for any reason' travel insurance

Bottom line

Home rentals can be a great lodging solution when you're on vacation, especially if you're traveling with family or friends. However, the high cost of some vacation properties and the cancellation policies often in place mean you should probably purchase some kind of travel insurance to protect your investment.

Typical travel insurance policies will offer coverage for your vacation rental costs should your trip be canceled or delayed for events covered under the policy, but you may be on the hook for other scenarios. As a result, it's vital you pay careful attention to your policy's terms. Doing so will ensure you know what to expect should you face an unexpected situation while enjoying your temporary home away from home.

Related: 7 things to look out for when buying travel insurance, according to an expert

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 6 Best Vacation Rental Travel Insurance Plans

Allianz Travel Insurance »

Seven Corners »

AXA Assistance USA »

AIG Travel Guard »

Nationwide Insurance »

Red Sky Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Vacation Rental Travel Insurance Plans.

Table of Contents

• Rating Details
• Allianz Travel Insurance
• Seven Corners

When you're planning an affordable yet fun-filled vacation, a rental home can be a great lodging option. By booking a vacation rental that's a condominium, a rustic cabin or a private villa instead of a hotel or resort, travelers get to enjoy more of the comforts of home during a trip, such as a living space and a kitchen to make meals in.

But you can't plan for everything, so you don't necessarily want to skip over a travel insurance policy in case something goes wrong. Investing in vacation rental travel insurance is the best protection you have against inclement weather or a natural disaster ruining your trip or forcing you to evacuate your vacation home before the end of your rental period.

The best travel insurance plans also offer additional coverage for travel delays, baggage loss, emergency medical expenses, emergency evacuation and other perils. Before you book a vacation property directly from an owner or through a platform like Airbnb, Vacasa or Vrbo, read on to learn about the best travel insurance policies for this type of trip and what they include.

• AXA Assistance USA
• AIG Travel Guard
• Nationwide Insurance
• Red Sky Travel Insurance

Best Vacation Rental Travel Insurance Plans in Detail

Customizable coverage that works well for vacation rentals at any price point

Kids 17 and younger covered for free with some plans

OneTrip Basic plan may have insufficient coverage for your needs

• Trip cancellation coverage worth up to $100,000
• Trip interruption coverage worth up to $150,000
• Trip change protector worth up to $500
• $50,000 in coverage for emergency medical expenses
• Up to $500,000 for emergency medical transportation
• Baggage loss and damage coverage worth $1,000
• Baggage delay insurance up to $300
• Travel delay coverage worth up to $800 ($200 per day)
• 24-hour travel hotline assistance

Broad selection of plans to choose from

Ideal vacation rental coverage for domestic trips available

Domestic plans with Air Travel Bundle come with low limits for baggage and personal effects

• Trip delay coverage worth up to $300 ($100 per day)
• Travel inconvenience coverage worth up to $150
• Baggage coverage worth up to $500 ($250 maximum per item)
• Baggage delay coverage worth up to $250 (up to $100 per day)
• Emergency accident and sickness coverage worth up to $50,000
• Coverage for emergency evacuation and repatriation of remains worth up to $250,000
• Emergency dental expense coverage worth up to $250

Offers comprehensive coverage based on your needs

Customize your policy with available add-ons

Optional CFAR coverage only available with Platinum Plan

• Trip cancellation coverage worth up to 100% of the total trip cost
• Trip interruption coverage up to 100%
• Trip delay coverage up to $500 ($100 limit per day)
• Missed connection coverage up to $500
• Emergency medical coverage up to $25,000
• Emergency evacuation coverage up to $100,000
• Accidental death and dismemberment coverage up to $10,000
• Common carrier accidental death and dismemberment coverage up to $25,000
• Baggage delay coverage up to $200
• Baggage and personal effects coverage up to $750

Customizable coverage with high limits

Cancel for any reason coverage available

Low medical expense limits for Essential Plan

• Trip cancellation coverage worth up to 100% of the trip cost
• Trip interruption coverage worth up to 150% of the trip cost
• Up to $1,000 in coverage for lost baggage
• Baggage delay coverage worth up to $300
• Travel medical expense insurance worth up to $50,000
• Up to $500,000 in emergency medical evacuation protection

10-day review period available

Preexisting conditions can be covered

Nationwide does not offer single-trip plans without medical or baggage insurance

• Up to $30,000 in trip cancellation insurance
• Trip interruption coverage worth up to 200% of the total trip cost (maximum benefit of $60,000)
• Trip delay coverage worth up to $250 per day ($2,000 maximum)
• Missed connection and itinerary change coverage worth up to $500
• Secondary coverage for baggage and personal effects worth up to $2,000
• Baggage delay coverage worth up to $600 for delays of 12 or more hours
• Accident and sickness medical expense coverage worth up to $150,000
• Emergency dental coverage worth up to $750
• $1 million in insurance for emergency medical evacuation
• Coverage for terrorism in a vacation destination

Choose from tailor-made plans for vacation rentals

Can only be purchased directly through vacation rental companies

Limited coverage options available (no option for rental cars or CFAR)

• Up to $100,000 in reimbursement for vacation rental expenses
• Trip delay coverage worth up to $750 (maximum of $200 per day)
• Coverage for emergency medical expenses and emergency medical evacuation (policy limits vary)
• Baggage delay insurance worth up to $1,000 per day ($200 per day)
• Emergency roadside assistance
• Worldwide emergency assistance services

Frequently Asked Questions

Vacation rental travel insurance works like any other type of travel insurance coverage. You pay a premium for the policy upfront, and you get varying levels of protection for trip cancellation or interruption, emergency medical expenses, emergency medical evacuation, lost or delayed baggage, and more.

You may not need certain types of travel insurance for trips in the U.S., such as coverage for emergency medical expenses if your own health insurance still applies. You may also choose to skip rental car insurance if you're using your own car and insurance for your trip. That said, it can still be beneficial to pay for travel insurance that covers trip cancellation and interruption, emergency medical evacuation, and more.

You can buy travel insurance online from top insurance companies. You may also be able to secure coverage with your vacation rental provider. Compare plans on TravelInsurance.com .

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included vacation rentals within the U.S. and all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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Vrbo Insurance: a Comprehensive Guide for Hosts

• May 20, 2022
• STR Life , Vrbo

By The Hospitable Team

When you list your property on Vrbo, you put someone in charge of taking care of your house or apartment while you are not there. You can’t be sure that all your guests will treat your home like their own, so there’s no guarantee that you can avoid unpleasant surprises that may cost you a fortune.

That means you need to protect yourself beforehand with the right insurance. In this guide, we’ll talk about how Vrbo insurance works. We hope that this information will help you protect your vacation rental property in the way that works best for you.

If you list your property on several platforms, you may also want to learn more about Airbnb insurance .

Vrbo Insurance for Owners: Why Do You Need Special Insurance for Your Rental?

Most people who choose real estate side hustle to earn passive income have a homeowner insurance policy, but it has significant coverage gaps. Homeowner insurance is designed for an owner-occupied property, but vacation rentals are different. They are used for rental guest stays and owner’s vacations throughout the year, and there are periods when they aren’t unoccupied.

That’s why relying on it to cover the short-term rental you list on Vrbo, Airbnb, Booking.com , or other OTA website s is a misinformed choice. You need a vacation rental insurance policy that can cover all three uses. And if you regularly rent your vacation property, you need business insurance. Without it, you’re vulnerable to the costs of property damage and liability suits.

Vrbo recommends Proper Insurance as their preferred home insurance vendor in the US because the company’s insurance policy is comprehensive. It’s also designed to address the unique exposure of vacation rentals.

So what does Vrbo insurance cover? It provides coverage for your building, contents (including furniture and small appliances), loss of income, and liability. Vrbo insurance for owners from Proper Insurance is offered in all 50 states.

It’s critical for you as a host to ensure that your property is appropriately covered with a comprehensive insurance policy because it will give you peace of mind and confidence. Then you’ll be able to focus on what you can do best—providing an amazing experience for your guests, and that’s impossible without effective communication.

You should be available to your guests almost 24/7 and answer all their questions as fast as possible to make them happy. It’s a challenge, but you can automate this process with tools like Hospitable.com.

Have conversations with your guests even when you sleep.

Vrbo liability insurance.

While vacation rental guests are on your property, you’re immediately liable for their safety . But typical homeowner policies may not provide liability protection when your house is used as a vacation rental. That’s why it’s critical to have appropriate coverage for liability issues that may arise when you rent out your home to a guest.

To help protect your financial well-being, Vrbo provides $1M Liability Insurance for owners and property managers. Vrbo Liability Insurance program is offered at no additional cost to you. It provides protection for every reservation processed through the platform, no matter where in the world your rental property is located.

If you don’t have liability insurance for your rental, this policy responds first if someone makes a claim against you. If you already have a liability policy for your vacation rental, the program gives you $1,000,000 per year in added protection.

What Does Vrbo Insurance Cover?

Wondering how you’re protected? The program may provide coverage for claims made against you

• If a traveler is accidentally injured while staying in your rental property;
• If a traveler accidentally damages the property of a third party, for example, a neighbor while staying in your rental property, and the third party sues you for that damage.

But you should keep in mind that $1M Liability Insurance doesn’t cover damage caused by a traveler to your property. For such situations, you need a business insurance policy that would cover property damage costs.

Vrbo Damage Insurance: What Are the Alternatives?

What else can you do to protect your Vrbo property from potential damage? Extensive damage to a rental property is rare, but smaller damage, such as broken glass or scuffled furniture, can occur occasionally.

So although there’s no Vrbo damage insurance, the platform provides hosts with several mechanisms to protect their rentals. Hosts can require travelers to purchase Property Damage Protection or pay for their damages with their own money.

To minimize the risk of potential damage, you should clearly communicate your expectations regarding events, pets, children, and smoking in your house rules . Besides, you can require that travelers sign a legal rental agreement that details how they are expected to treat your property during their stay. This can help eliminate guests’ possibility of filing a dispute if you need to file a Vrbo damage claim.

Vrbo Damage Deposit

You can set a damage deposit amount that your guests will be responsible for if they cause damage to your rental property. You’ll have up to 14 days after a guest checks out to file a claim. Vrbo will charge this amount on your behalf to the traveler’s credit card that they used for the booking (it’s the default option).

Another option is an upfront refundable damage deposit that your guest will be charged when booking. Vrbo will hold it throughout the booking process and the guest’s stay. If no claim is filed, the Vrbo damage deposit will be refunded to the guest after 14 days.

Vrbo Damage Protection

Property Damage Protection is an optional insurance that you may allow your guests to purchase. It’s intended to protect Vrbo guests up to the coverage amount if accidental damage to the rental property occurs during their stay.

Guests will see the property damage protection charge during the booking process, just like the refundable deposit. Guests can also purchase additional travel insurance that includes Vrbo cancellation insurance. It protects their trip’s costs if they need to cancel or have an issue with booking or boarding.

Hosts can suggest an insurance plan level, but it’s up to travelers to decide whether they should go ahead with this option during the booking process. Guests can also pay the Vrbo damage protection amount as a refundable damage deposit instead of the non-refundable amount.

Hosts determine the amount required across all types of damage deposits. And guests can see the amount in the “house rules” section of the listing and during the checkout process before they officially book the rental.

The Vrbo guests are responsible for treating your property with respect. But you should remember that you are also responsible for making sure your rental space is well maintained and guest-ready before each stay. That’s a lot of work, so you may want to hire a team to help you with cleaning and maintenance .

And vacation rental software like Hospitable.com will help you assign new tasks to all your team members automatically. Moreover, with Hospitable, you can automate almost all your operations and manage listings on multiple platforms as easily as one.

All your STR business in one convenient window

How to file vrbo damage claim.

If you want to file a Vrbo damage claim, you must provide a brief description of the damages. Vrbo will share this description with the guest to inform them about it. You are not required to provide any photos or other evidence of the damages.

Vrbo also encourages hosts to contact the guest directly before filing the claim, using their messaging platform. This open conversation allows you to discuss the damages, the amount you intend to charge and provide the guest with any evidence, such as before and after photos. If you do so, it can help reduce the chances that the guest will file a dispute.

Here is what you need to do to initiate the claim:

• Log in to your account and select the listing if you have more than one rental property.
• Click Inbox and select the traveler’s name. You can use the All Messages drop-down menu to filter your conversations.
• Go to the Damage protection section and click Report damage.
• Enter the Damage amount you want to claim for the damage (it can’t exceed your damage deposit).
• Enter a description of the damage (this information will be sent to your guests).
• Finally, click Confirm.

Vrbo Damage Waiver Fee

A damage waiver fee is a prepaid, non-refundable fee included in a rental home’s total price. It covers accidental damages to your rental property during the guests’ stay. But it doesn’t cover intentional damage, for example, caused by parties, and damage caused by the violation of the house rules, such as violating a “no smoking” policy.

Damage waiver fees are standard in many vacation rental homes and are included in rental agreements. They protect guests from paying upfront for minor damages, such as broken furniture, spills, scratches on surfaces such as walls or doors, and stains. Many guests prefer paying extra for a damage waiver fee because it doesn’t require them to put down a large security deposit before their stay.

Final thought

It’s essential to have insurance to protect yourself and your assets when renting your property to travelers because unexpected and unfortunate accidents can happen to anyone. Keep in mind that your homeowner insurance may not cover renting out your home to guests as a business.

Vrbo insurance for hosts provides only basic liability protection and doesn’t cover damages caused by travelers to your property. So before you list your rental space on Vrbo, you should analyze what you want to protect and find additional vacation home insurance that suits your short-term rental business.

Rental Property Maintenance: Guide for Airbnb Hosts

One of the biggest responsibilities facing any host or property manager is vacation rental property maintenance. If you have been struggling to meet all your maintenance responsibilities, this post is for you. It will help you understand the basic steps you need to take to avoid costly repairs.

Vrbo Taxes: a Guide for Hosts in the US

Starting on Vrbo is easy, but if you want to succeed as a Vrbo host, you should treat this as a business. And an important part of operating a short-term rental business is taking care of lodging taxes. In this guide, we cover the basics of Vrbo taxes that you need to know to get started.

Vrbo Rules for Owners: a Starter’s Guide

Before you create a listing on Vrbo, it’s essential to review the laws that apply to short-term rentals in your area. Then you should examine the Vrbo hosting rules and prepare to follow the best practices. Don’t feel overwhelmed, and let this article guide you.

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Home » Online Shopping » Vacation Rentals » How Does Vrbo Insurance Work?

How Does Vrbo Insurance Work for Travellers and Property Owners?

Having insurance to protect yourself and your assets is essential. Whether you are a guest or a host renting your property to travellers, unexpected and unfortunate accidents can happen to anyone.

In this article we will be getting into the nitty gritty of what Vrbo insurance covers for hosts and guests, so that both parties have one less thing to worry about. To learn more about how Vrbo works before you plan your next vacation, we’ll cover everything you need to know about Vrbo property and traveler insurance.

What is covered in this article

Vrbo insurance for owners and renters, vrbo insurance for travelers.

To help you book your next vacation with confidence, we’ll teach you all there is to know about Vrbo insurance. 

Vrbo’s $1M liability insurance provides owners and property managers with liability protection for all stays that are processed online through the HomeAway checkout, giving them $1,000,000 in primary liability coverage at no additional cost. From a renter’s point of view, they are insured to be reimbursed for the accident that happened at the host’s property.

How Vrbo insurance protects owners

The following types of scenarios describe what Vrbo’s insurance coverage includes for owners so that they don’t have to spend any money out of their pocket.

• Injury claims made by traveler s: If a traveller staying at your property injured themselves (by say falling down the stairs or burning their hand while cooking), the owner can file a claim with Generali to cover the medical bills against the $1M liability insurance plan.
• Property damage claims : If a traveller staying at your property causes damage to your property (such as damaging furniture, flushing something down the toilet that messes with the plumbing system, etc.), then the liability insurance would cover the cost of fixing it up to a maximum of $1 million.

How Vrbo owner insurance works

Vrbo’s $1 million liability coverage comes in handy, as most homeowners’ plans do not provide protection if the property is used as a vacation rental. In a situation where an owner doesn’t have liability coverage for their property, Vrbo’s liability insurance will provide the basic liability coverage. If someone already has a liability policy, Vrbo insurance will act as additional coverage on top of what they already have.

This insurance program applies to Vrbo properties listed anywhere in the world, and homeowners are not obliged to use it. However, any reservations processed through HomeAway checkout are automatically protected at no additional cost.

Vrbo offers insurance that travelers can purchase to protect the booking of their upcoming stay against unexpected cancellations, delays, and interruptions. A traveller can be reimbursed for non-refundable fees or any other out-of-pocket expenses if there is a problem with their stay for a reason that is covered under the Vrbo travel insurance.

Vrbo travel insurance

While making a booking on Vrbo, the traveller will be given the option to buy the Vrbo travel insurance at checkout and also after their booking is confirmed, in case they decide to buy it then. If the traveller is not satisfied with the plan for any reason, they can cancel their coverage within 10 days of buying for a full refund. If their trip is cancelled and they won’t be needing the insurance, all they need to do is call Generali at 877-880-0975 to cancel their Travel Insurance plan.

Vrbo Accidental Damage Protection

The Accidental Damage Protection plan provides guests with coverage for any accidental damage that could take place at the vacation rental during the period of their stay. If the owner holds the damage deposit or more money is owed to cover the loss, then Damage Protection can reimburse them for the difference. 

Like all other coverages on Vrbo, Generali Global Assistance has an accidental damage protection insurance plan that travelers can purchase 24 hours before check-in. Vrbo recommends damage protection to their travelers with children, pets, and when visiting in a large group.

Let us look at the different types of policy options that a traveler can purchase:

• $59 for $1500 coverage
• $79 for $3000 coverage
• $99 for $5000 coverage

Travelers get the option to buy the Accidental Damage Protection at checkout or when they make the payment on their booking. They can also directly purchase this on the Generali site . If the traveler(s) choose to purchase this protection, they will receive an email confirmation after their purchase containing the certificate of insurance and a copy of the policy. 

For any reason, if the traveler decides that they don’t want this plan, they can request a refund as long as it is before their check-in date. They must call Generali before their scheduled date of arrival to receive a refund. The policy is also eligible for a full refund, if the reservation is cancelled. 

We hope we have been able to help you understand everything there is to know about Vrbo insurance from a host and a guest’s point of view. You may also check out more articles in our Vrbo series to learn if Vrbo is safe and reliable and our overall review of Vrbo .

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Travel Erudition

Is vrbo travel insurance worth it?

There’s no simple answer to whether or not VRBO travel insurance is worth it. On one hand, if you’re worried about losing money if you have to cancel your trip, travel insurance can give you some peace of mind. On the other hand, travel insurance can be expensive, and it may not cover everything that you’re worried about. Ultimately, you’ll need to weigh the cost of the insurance against your own personal level of risk tolerance to decide if it’s worth it for you.

There is no simple answer to this question as it depends on a variety of factors. Some people may find that the peace of mind offered by travel insurance is worth the cost, while others may not feel that it is necessary. It is important to consider your own personal risk factors when deciding whether or not to purchase travel insurance.

Should I buy trip insurance on VRBO?

It is always a good idea to have insurance for your rental property, no matter what type of property it is. This is because anything can happen and you are trusting other people to stay in your rental. You need to have them treat it as if it was their own, but this is not always the case.

Vrbo’s $1M Liability Insurance program is a great way to protect yourself in case of any accidents or damages that may occur during your stay. However, it is important to note that this program only applies to liability claims, and does not cover any damages to your own property. Additionally, the $1M Liability Insurance program only applies when the reservation is processed online through Vrbo checkout.

Can you get money back from VRBO

If you have any questions about refunds, please contact our customer support team.

If you’re considering buying travel insurance, it’s important to know that most policies will not cover trip cancellations or interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel. This includes events like the current outbreak of the coronavirus (COVID-19). So, if you’re planning a trip and are worried about the possibility of cancellation or interruption, you may want to consider alternative options.

When should I buy trip cancellation insurance?

It’s always best to buy travel insurance as soon as you make your reservations. The sooner you buy coverage, the sooner you’ll be protected and the more benefits you may be eligible to receive.

A travel insurance policy is a great way to financially protect yourself when traveling. Most policies will cover you in the event of an accident or illness, and will also provide financial protection if your luggage is lost or stolen. While most people never have to use their travel insurance, it’s always good to know that you’re covered in case something does happen. Travel insurance is usually very affordable, so it’s definitely worth the peace of mind it provides.

What kind of insurance do I need for a vacation rental?

If you regularly rent your vacation property, you need business insurance. The proper insurance policy is comprehensive. This means there’s full coverage in place whether it’s being rented, vacant, or being used by the owner or their guests.

Trip Cancellation insurance is a must-have for any traveler. It protects you from losing money if you have to cancel your trip for a covered reason. The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster, among others.

Does Vrbo travel insurance cover hurricanes

If your property is affected by a natural disaster and you need to cancel a reservation, contact us and we will waive the cancellation fee.

If you cancel a reservation, you will get 100% refund as long as you are within the refund window. The host will automatically refund the service fee, and we will refund the commission and payment processing fees.

Is there a class action lawsuit against Vrbo?

The plaintiff, who rented a VRBO property in Galveston, Texas, alleges that she was wrongfully denied coverage under the travel insurance policy she purchased after the VRBO property she rented was damaged by Hurricane Harvey.

The plaintiff is seeking class action status on behalf of allVRBO renters who purchased travel insurance through the company and were denied coverage for hurricane-related damages.

This is a developing story, and we will provide updates as more information becomes available.

If you haven’t received a response from the host, please check to make sure that you have received an inquiry confirmation email from Airbnb. This email should confirm that your inquiry has been delivered to the host. If you have not received this email, please contact Airbnb customer service for further assistance. Thank you!

Does travel insurance cover 100%

If you have to cancel your trip due to a covered reason, most policies will reimburse you 50% to 75% of your trip cost. This can be helpful if you’re feeling uncomfortable traveling due to COVID-19 cases or quarantine recommendations. Be sure to check the individual policy for what is covered and what is not.

A comprehensive insurance policy usually covers delays, cancellations due to sickness or death, lost luggage and some emergency medical costs. This can give you peace of mind when travelling, knowing that you are covered for a range of potential problems.

What gets covered in travel insurance?

Travel insurance is a type of insurance that covers different risks while travelling. It covers medical expenses, lost luggage, flight cancellations, and other losses that a traveller can incur while travelling.

There are a lot of different factors to consider when choosing the best medical coverage for your needs. GeoBlue is our top pick for medical coverage. They offer a wide range of plans and coverage options, so you can find the perfect fit for your needs. Travelex is another great option for medical coverage. They offer a variety of plans and coverage options to meet your needs.

Final Words

This is a difficult question to answer as it depends on a variety of factors. Some people may find that the insurance is worth it while others may not. It really depends on the individual and their specific needs.

After researching the topic and reading various reviews, it seems that VRBO travel insurance is not worth it for most people. The main complaints are that it is difficult to file a claim and that the coverage is not as comprehensive as other travel insurance policies.

Scott Johnson

Scott Johnson is passionate about traveling. He loves exploring new cultures and places, and discovering the world around him. He believes that travel can open up new perspectives and opportunities for growth and development. Scott has visited many countries in Europe, Africa, South America, and Asia, and he continues to seek out new destinations for his adventures.

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Do You Need Vrbo Insurance?

Last updated: March 2024

Whether you’re new to listing on Vrbo or a seasoned host, understanding your insurance options will help you protect your investment and provide a safe experience for your guests. Here’s what you need to know about Vrbo’s insurance policies as well as the benefits of having adequate insurance to cover your property and the people who book it.

Don’t see the form to download our Ultimate Guide to Listing on Vrbo? Click here .

Benefits of having Vrbo Insurance

Having Vrbo insurance offers a layer of protection that hosts can’t afford to ignore. It not only safeguards your property against potential damages but also provides coverage for unforeseen circumstances that could impact your rental income.

What about your homeowner’s insurance or personal protection policy? Most vacation rental owners have homeowners or landlord insurance policies. Both of these are great to have, but they both come with their own gaps due to the fact that the rental property doesn’t necessarily fall into either of these categories.

With Vrbo insurance or your own additional rental property insurance, you’re investing in peace of mind, knowing that you’re shielded from financial losses while providing a safe and secure environment for your guests. It’s a small step that brings significant benefits to your hosting business.

What is Vrbo’s insurance policy?

Vrbo’s $1M Liability Insurance program , included at no extra charge, covers liability claims such as traveler injuries or damage to another person’s property. However, it’s crucial to note that this coverage applies only to reservations made online via Vrbo’s checkout.

In the U.S., Vrbo endorses Proper Insurance as their preferred provider for comprehensive home insurance. This policy, designed specifically for vacation rentals, is an annual commercial homeowners insurance that completely supersedes your existing homeowners or landlord insurance policy. It’s tailored to offer extensive protection, catering precisely to the unique needs of the vacation rental industry.

Should you get additional vacation rental property insurance?

While Vrbo’s insurance programs provide a substantial level of coverage, you may still want to consider the specific requirements and risks associated with your property.

Namely, you’ll want to check the mandatory insurance requirements in your state or locality . These regulations vary widely and may necessitate additional coverage beyond what Vrbo provides.

Additionally, consider the potential costs and benefits. Additional insurance often involves an extra financial investment, but it can also offer greater peace of mind and financial protection. This can be especially important if you’re renting a luxury villa or if your rental includes expensive furniture or amenities you’d like to protect.

Ultimately, the best course of action is to thoroughly evaluate your unique situation and risk tolerance. Consulting with an insurance professional can also provide insights tailored to your specific needs.

We’re here for you before, during and after your stay

From the moment you book until your trip is over, we’re here to help your stay go right. Learn more about our Book with Confidence Guarantee and other benefits that we provide every time you book and pay through Vrbo.

Before your stay

Here’s how we protect your trip before it even begins.

Selecting Premier Hosts

Our Premier Hosts consistently provide great experiences for their guests. When you see Premier Host on a property, you can feel more confident about the property description, photos and amenities.

Protecting your payments

When you pay through Vrbo, we protect your rental payment against fraud. If your payment ends up in the hands of someone other than the host, we’ll pay you bAck.

Screening for fraud

Verified accounts, background checks and fraud checks are a few of the ways that we are screening for fraud.

Re-booking when you need it

It doesn’t happen often, but if a host has to cancel a booking at the last minute, we have dedicated re-booking specialists here to help you book similar accommodation.

During your stay

We’re here to help your stay go smoothly.

Helping you with our dedicated care team

Our experts are available to answer any questions that come up during your stay. If you need help contacting the host or just have some questions, we’re here to help.

Lodging if you’re in need

If you can’t get into the property or if you discover that it was significantly misrepresented online (fewer bedrooms, material defects etc.), let us know in the first 12 hours. We’ll try to find you new accommodation so your trip can go on smoothly.

After your stay

Even after your trip is over, we’re still here to help.

Protecting your damage deposit

If the host wrongfully withholds your damage deposit after your stay, we’ll help you get it back.

Want more specifics on our Book with Confidence Guarantee?

Get trip insurance.

In addition to the benefits that you get every time you book through HomeAway, you may want additional protection for your trip. Consider purchasing one of these trip insurance options from our partners.

Cancellation Protection

Get reimbursed for non-refundable trip costs if you have to cancel because of illness, injury, weather-related cancellations, theft of visa or passport, or involuntary loss of employment.

Damage Protection

Get additional protection from extra expenses due to accidental damage to the property during your trip.

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Is Vrbo Trip Protection Worth It? Exploring the Benefits, Coverage and Cost-Benefit Analysis

By Happy Sharer

Introduction

Vacations are a time for relaxation, exploration and adventure, but they can also come with a lot of uncertainty and risk. Enter Vrbo Trip Protection, an insurance policy designed to provide travelers with peace of mind while they explore the world. In this article, we will explore the benefits of purchasing Vrbo Trip Protection, what types of situations it covers, how to understand its coverage, and ultimately whether or not it is worth it.

Definition of Vrbo Trip Protection

Vrbo Trip Protection is an insurance policy offered by Vrbo, a vacation rental marketplace, that provides travelers with financial security and peace of mind while they’re away from home. The policy covers a variety of situations, such as trip cancellation, medical expenses, loss or damage to property, and personal liability.

Overview of the Problem

Travel can be unpredictable, and there’s always a chance that something unexpected could happen. Whether it’s a natural disaster, illness, or any other unforeseen event, these situations can have a major impact on your wallet. That’s why it’s important to be prepared for the worst and have a plan in place to protect yourself financially.

Comparison of Vrbo Trip Protection and Other Travel Insurance Policies

Vrbo Trip Protection is similar to traditional travel insurance policies in many ways. Both policies offer coverage for trip cancellation, medical expenses, loss or damage to property, and personal liability. However, there are some key differences between the two. For example, Vrbo Trip Protection offers more comprehensive coverage than traditional travel insurance policies, which tend to only cover certain situations. Additionally, Vrbo Trip Protection offers more flexibility when it comes to the duration of coverage, allowing travelers to extend their policy if their trip is extended.

Exploring the Benefits of Purchasing Vrbo Trip Protection

When it comes to travel, there are few things more important than having peace of mind. With Vrbo Trip Protection, travelers can rest assured knowing that they are covered in the event of an emergency or unexpected situation. Additionally, Vrbo Trip Protection provides travelers with financial security, ensuring that they won’t suffer financially if something goes wrong. Finally, Vrbo Trip Protection offers flexibility, allowing travelers to extend their policy if their trip is extended.

What Types of Situations Does Vrbo Trip Protection Cover?

Vrbo Trip Protection covers a variety of situations, including trip cancellation, medical expenses, loss or damage to property, and personal liability. If a traveler has to cancel their trip due to a covered event, such as a natural disaster or illness, Vrbo Trip Protection will reimburse them for their nonrefundable costs. Additionally, if a traveler is injured or becomes ill while traveling, Vrbo Trip Protection will cover their medical expenses. Vrbo Trip Protection will also cover any lost or damaged property, as well as any legal fees incurred if a traveler is sued for personal liability.

A Guide to Understanding Vrbo Trip Protection Coverage

Before purchasing Vrbo Trip Protection, it’s important to understand the coverage that it provides. While Vrbo Trip Protection covers a variety of situations, there are some exclusions and limitations that travelers should be aware of. For example, Vrbo Trip Protection does not cover pre-existing conditions, so travelers with pre-existing conditions should purchase a separate policy. Additionally, Vrbo Trip Protection has certain limits on the amount of coverage provided, so travelers should make sure to read the fine print before buying a policy.

Examining the Cost-Benefit Analysis of Vrbo Trip Protection

When deciding whether or not to purchase Vrbo Trip Protection, it’s important to consider the cost-benefit analysis. The cost associated with Vrbo Trip Protection depends on the length of the trip, the destination, and the number of travelers. Generally speaking, the cost of Vrbo Trip Protection is relatively low compared to the potential benefits that it provides. By purchasing Vrbo Trip Protection, travelers can rest assured knowing that they are financially secure in the event of an emergency or unexpected situation.

Pros and Cons of Purchasing Vrbo Trip Protection

When it comes to Vrbo Trip Protection, there are both pros and cons to consider. On one hand, Vrbo Trip Protection provides travelers with peace of mind and financial security in the event of an emergency or unexpected situation. Additionally, Vrbo Trip Protection offers more comprehensive coverage than traditional travel insurance policies, and it allows travelers to extend their policy if their trip is extended. On the other hand, Vrbo Trip Protection has certain exclusions and limitations that travelers should be aware of, and the cost may be too high for some travelers.

In conclusion, Vrbo Trip Protection is a great option for travelers who want peace of mind and financial security while they’re away from home. While there are some drawbacks to purchasing Vrbo Trip Protection, such as exclusions and limitations, the benefits far outweigh the costs. Ultimately, the decision to purchase Vrbo Trip Protection is up to each individual traveler, but it is certainly worth considering.

Summary of Findings

This article explored the benefits, coverage, and cost-benefit analysis of Vrbo Trip Protection. We found that Vrbo Trip Protection provides travelers with peace of mind, financial security, and flexibility, and that it covers a variety of situations, such as trip cancellation, medical expenses, loss or damage to property, and personal liability. We also examined the cost-benefit analysis of Vrbo Trip Protection and outlined the pros and cons of purchasing the policy.

Recommendations

If you’re planning a vacation, we recommend that you consider purchasing Vrbo Trip Protection. While there are some drawbacks to the policy, the benefits far outweigh the costs. Be sure to read the fine print carefully, so that you understand the coverage and exclusions, and make sure to compare Vrbo Trip Protection to other travel insurance policies to ensure that you’re getting the best deal.

(Note: Is this article not meeting your expectations? Do you have knowledge or insights to share? Unlock new opportunities and expand your reach by joining our authors team. Click Registration to join us and share your expertise with our readers.)

Hi, I'm Happy Sharer and I love sharing interesting and useful knowledge with others. I have a passion for learning and enjoy explaining complex concepts in a simple way.

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How to Maximize the Vrbo Rewards Program

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Table of Contents

How to get more value from Vrbo's One Key Rewards program

What else you need to know, maximizing the vrbo rewards program, recapped.

Vacation rentals have increased in popularity as travelers are opting for additional space, amenities like kitchens and hot tubs, and a more authentic local experience.

One of the largest vacation rental platforms is Vrbo, and with the recent release of One Key Rewards, it’s the only one with a rewards program . Here’s how to maximize Vrbo's One Key Rewards program.

1. Register for a One Key Rewards account

One Key Rewards is the new loyalty program for Expedia, Hotels.com and Vrbo. The program is free to join, and rewards earned from any of the three platforms are combined into a single One Key account.

For every dollar you spend on Vrbo reservations, you’ll receive 2% back in OneKeyCash, which is the currency of the One Key program. These rewards can then be used to book hotels, flights, rental cars and more through Vrbo, Hotels.com or Expedia.

Rewards from Vrbo reservations typically post within 45 days after you complete your trip. However, they may take up to 90 days in some situations. Either way, don’t expect to have access to your OneKeyCash immediately following your stay.

2. Earn bonuses for holding One Key elite status

One Key Rewards members can earn elite status based on the number of trip elements they purchase, which include flights, hotel nights, rental car days, cruises and other activities. Trip elements qualify when you spend $25 or more, excluding taxes and fees.

The One Key elite status program has four levels: Blue, Silver, Gold and Platinum. You’ll achieve higher levels based on the total number of trip segments earned each year. Here’s what it takes to reach each one:

One Key Blue : 0-4 trip elements.

One Key Silver : 5-14 trip elements.

One Key Gold : 15-29 trip elements.

One Key Platinum : 30+ trip elements.

Unlike many other loyalty programs, One Key members can reach the upper levels of elite status fairly quickly.

For example, if your family is traveling on an eight-day, seven-night vacation, you can earn 15 elements from the hotel nights and rental car days alone. Fifteen elements already gets you to Gold status, and flights and activities could add even more to the total.

Once you hold elite status, you’ll earn OneKeyCash bonuses on select VIP Access properties on Expedia and Hotels.com, as well as get access to 15-30% discounts at select hotels worldwide.

» Learn more: The best airline and hotel rewards loyalty programs this year

3. Redeem OneKeyCash for vacation rentals

You can also maximize the Vrbo rewards program by using the OneKeyCash you earn to book vacation rentals. Members can redeem OneKeyCash to pay for some or all of their reservations at participating Vrbo rentals. These rewards reduce the out-of-pocket cost needed to book a rental property.

» Learn more: Is Vrbo's One Key Rewards program worth it?

4. Book trips for friends and family

OneKeyCash is earned by the individual who booked the reservation, not necessarily the person who is traveling. This means you can earn OneKeyCash and trip elements toward elite status by booking trips for friends and family members, including collecting the rewards from flights everyone takes to the destination.

5. Pay with a travel credit card

Using travel credit cards can be a savvy way to earn valuable points and miles on your purchases.

With the One Key Rewards program, you don’t have to choose between credit card points and OneKeyCash — you can earn both on the same purchase. Not only that, but many travel cards include protections in case your trip is canceled, delayed or interrupted or your baggage is lost or damaged.

Another way to increase your earnings is by getting a credit card that offers bonus rewards when making travel purchases.

For example, the Chase Sapphire Reserve® earns 3x points on travel, whether booking directly or through an online travel agency like Expedia.

Chase Sapphire Reserve®

And the more Chase Ultimate Rewards® points you earn, the more you have to redeem for future travel.

» Learn more: Redeem your points for your dream trip — here's how

How does Vrbo work?

Vrbo is a vacation rental platform that provides travelers with the privacy and comforts of a home away from home. Its rental homes allow large groups or families to stay together under one roof.

Additionally, travelers can take advantage of amenities like full kitchens, in-unit laundry, private backyards and more.

Vrbo properties are also good for remote workers on extended trips, pet owners wanting to give their furry friends more space and travelers who prefer staying in remote locations without traditional lodging options.

» Learn more: Is Vrbo legit?

Where and what types of properties can you book through Vrbo?

Travelers can choose from more than two million condos, cabins, lake rentals, beach houses and other types of properties. Here are some examples of the types of properties you can book in a handful of popular tourist destinations.

Nashville, Tennessee

Both of these options in Nashville, Tennessee, are within miles of downtown and cost a bit over $100 per night — a rate that may even be cheaper than some area hotels. One option is a corner penthouse apartment with a balcony, while the other is a private guesthouse in historic east Nashville.

Miami, Florida

Trips to Miami can get expensive, but there are Vrbo options at many price points. Both of these example selections are less than a 10 minute drive to the beach, but they range in price from under $200 to more than $350 per night. Depending on how many travelers are in your group, you may want to select rentals with multiple bedrooms, as well.

Paris, France

Recent regulations have made it more difficult for Parisian hosts to rent their properties on short-term rental sites, but there are still great deals to be found in the City of Light. Options range from studio apartments in the city center for around $150 a night to quieter locations on the outskirts of the city for around $80.

Tokyo, Japan

Staying at a Vrbo in Japan can be culturally immersive, as visitors can experience what it’s like to live in a traditional Japanese home. Both of these options sleep larger groups and have multiple bedrooms, which can be nice for families or groups of friends. At under $150 per night, neither option is a bad deal, either.

» Learn more: Airbnb vs. Vrbo

Vacation rentals are becoming a popular way for people to travel. Until now, vacation home programs didn’t offer rewards when booking these types of trips.

With the launch of the One Key Rewards program, you can earn and redeem OneKeyCash at Vrbo, Expedia and Hotels.com. By using these five ways to maximize the Vrbo rewards program, you’ll earn additional rewards and reduce the cost of future vacations.

How to maximize your rewards

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

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Citibank's application

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

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

on Wells Fargo's website

2% Earn unlimited 2% cash rewards on purchases

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

1x-3x Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

20,000 Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

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VRBO Travel Insurance - 2024 Review

Vbro travel insurance review.

• Reputable Insurance partner
• No medical insurance
• No Cancel For Any Reason option
• No Pre-existing Condition benefit

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VRBO is an online marketplace for vacation rentals and is owned by Expedia Group.

VRBO advises customers to purchase travel insurance after booking the rental property. Generali US underwrites the VRBO policy, which offers a trip cancelation policy and a property damage add-on policy.

The damage protection program add-on policy covers $1,500 in property damage liability if you accidentally damage the property. Most travel insurance policies do not cover liability since it's not a standard travel hazard.

However, at TravelDefenders , we offer the  Trawick First Class , which includes a $5,000 Accommodation Property Damage benefit. It provides reimbursement for direct physical damage to covered real or personal property within the unit occupied by the insured during the trip.

Our VRBO Booking

For this review, our sample couple aged 55 and 60 have booked a beachfront rental in Cancun, Mexico, from May 28 – June 4.

The cost of the rental is $1,799.87 with the cleaning fee, service fee and taxes.

Here is the offer from VRBO's travel insurance page:

If they insure the condo rental through VRBO trip insurance, the cost is $125.99 and they can add $1,500 of damage protection for an additional $59 bringing the total insurance cost to $184.99.

Is this a good value? Let's find out.

What Does VRBO Insurance Include?

The policy provides trip cancellation and trip interruption as well as travel delay but medical coverage is not offered.

Is anything more comprehensive available in the open marketplace? Let’s see…

A Quote From TravelDefenders

Inputting our trip details into the quoting system at TravelDefenders , we’re presented with 28 quotes to choose from.

Since we’re traveling internationally, TravelDefenders recommends having at least $100,000 of medical coverage and $250,000 of medical evacuation coverage – coverage not even offered in the VRBO policy.

The least expensive plan on our quote with adequate coverage is the Trawick First Class for $127.84.

The policy provides $150,000 of medical coverage and $1 million of medical evacuation coverage as well as trip cancellation, trip interruption and a waiver of pre-existing medical conditions if the policy is purchased within 14 days of the initial trip payment or deposit date. This plan also includes $5,000 of property damage.

The Trawick policy is $54 LESS than the VRBO policy with the added damage protection and includes medical coverage and medical evacuation! Also, we can include other non-refundable costs such as airfare and tours to the trip cost and have those covered as well.

If we cancel for a listed reason in the policy, such as illness or injury, we’ll receive 100% of our trip costs back.

What if we want to have maximum flexibility to cancel our trip for ANY reason and not just the reasons listed in the policy?

For maximum cancellation flexibility, we’ll need to look at a different policy – a Cancel For Any Reason (CFAR) policy.

TravelDefenders – Cancel For Any Reason (CFAR) Policies

As the name suggests, Cancel For Any Reason (CFAR) policies allow you to cancel for any reason whatsoever and receive a partial refund of trip costs – either 50% or 75% depending on the policy purchased. These policies allow maximum cancellation flexibility.

Looking at the quote from TravelDefenders, the least expensive CFAR policy with adequate coverage for our trip is the Trawick First Class (CFAR 75%) for $217.33.

The policy provides the same coverage as the standard Trawick First Class policy of $150,000 of medical coverage and $1 million of medical evacuation coverage as well as provides a waiver to cover pre-existing medical conditions if the policy is purchased within 10 days of the initial trip payment or deposit date. Pricewise the policy is $32 more than the VRBO policy with the added damage protection, but includes medical coverage, medical evacuation and a waiver of pre-existing medical conditions which the VRBO policy doesn’t have.

If we cancel for a listed reason such as illness or injury, we’ll get a 100% refund of our trip costs but if we use a non-listed reason, we’ll get a 75% refund.

VRBO Insurance Summary

First, VRBO travelers save over $50 on travel insurance by working with  TravelDefenders  and enrolling in the Trawick First Class policy. Not only do they save money, but they also get much more coverage than the VRBO policy provides, including medical and medical evacuation coverage.

If more cancellation flexibility is desired, for a few dollars more, they can get a Cancel For Any Reason policy. It allows cancellation with a refund for any reason not listed in the plan and adds excellent medical and medical evacuation coverage.

We would not recommend any VRBO insurance option because it does not offer a  Waiver of Pre-existing Conditions , nor does it offer medical or medical evacuation coverage. We advise anyone taking out travel insurance shop the open marketplace to see what other options are available.

Get an Insurance Quote For Your VRBO Rental

When you shop at TravelDefenders you can compare quotes and policies from many top-rated travel insurance carriers.

Speak with one of our licensed travel insurance experts at +1(786) 321 3723,  by email  or  by live chat .

Safe Travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Agent took the time to explain and…

Agent took the time to explain and identify the best travel coverage based on our needs. She was polite and pleasant.

First-Rate Service

Sereniti, on the online chat, and Shanna, live telephone, were knowledgeable, friendly and patient. They made me feel comfortable and were ready to answer the questions I asked. First-rate service.

Christiana was so helpful and answered…

Christiana was so helpful and answered all my questions and help me pick the right policy for me. She sold me exactly what I needed without try to up charge me for all the bells and whistles I didn’t need. Thank you for being so patient with all my questions and inexperience.

Want to bail on your eclipse trip? Here's what to know about your refund prospects.

If you planned a trip to see the eclipse next week and are realizing the weather forecast might not be in your favor, you may be considering canceling your excursion and saving that money for some other adventure down the road.

Unfortunately, depending on when and how you booked, you may not be eligible for a refund.

Airlines, hotels and other travel companies sometimes have restrictive cancellation policies that limit the refunds you’re entitled to. Here’s what you need to know before pulling the plug:

'Guaranteed to see the eclipse': A plane might be the best place to see the phenomenon

Events across the US: A list of solar eclipse events across the nation from Texas to Maine

What happens if I have to cancel my flight to see the eclipse?

◾ American Airlines: Refunds are not available more than 24 hours after booking for nonrefundable tickets. If you choose not to travel, you can convert the value of your ticket into credit for future flights. New travel must begin no more than one year from the original trip date. You may be charged a change fee, cancellation fee, or fare difference for future travel depending on the terms of your original ticket. Visit the airline's website to see the full terms . Travelers can generally make changes to their reservation on the airline’s website, or by contacting customer service through the online or app-based chat feature or email form, or by calling 800-433-7300.

◾ Delta Air Lines: Refunds are not available more than 24 hours after booking for nonrefundable tickets. If you choose not to travel, you can convert the value of your ticket into credit for future flights, which is valid for one year from the date of issue. You may be charged a change fee, cancellation fee, or fare difference for future travel depending on the terms of your original ticket. Visit the airline's website to see the full terms on the airline’s website. Travelers can generally make changes to their reservation on the airline’s website, or by contacting customer service through the online or app-based chat feature or email form, or by calling 800-221-1212.

◾ United Airlines: Refunds are not available more than 24 hours after booking for nonrefundable tickets. If you choose not to travel, you can convert the value of your ticket into credit for future flights, which is valid for one year from the date of issue. You may be charged a change fee, cancellation fee, or fare difference for future travel depending on the terms of your original ticket. Visit the airline's website to see the full terms . Travelers can generally make changes to their reservation on the airline’s website, or by contacting customer service through the online or app-based chat feature or email form, or by calling 800-864-8331.

◾ Southwest Airlines: Refunds are not available more than 24 hours after booking for nonrefundable tickets. If you choose not to travel, you can convert the value of your ticket into credit for future flights. Flight credits on Southwest don’t expire, and the airline doesn’t charge change or cancellation fees. See the full terms on Southwest’s website . Travelers can generally make changes to their reservation on the airline’s website, or contact customer service at 800-435-9792.

◾ JetBlue: Refunds are not available more than 24 hours after booking for nonrefundable tickets. If you choose not to travel, you can convert the value of your ticket into credit for future flights. New travel must be booked more than one year from the original trip date. You may be charged a change fee, cancellation fee, or fare difference for future travel depending on the terms of your original ticket, or if you make changes over the phone rather than online. See the full terms on the airline’s website . Travelers can generally make changes to their reservation on the airline’s website, or by contacting customer service via online chat, iMessage, Google Business, or Whatsapp, or by calling 800-538-2583. JetBlue charges $50 per ticket per person when an agent handles itinerary changes, rather than passengers using self-service options.

◾ Alaska Airlines: Refunds are not available more than 24 hours after booking for nonrefundable tickets. If you choose not to travel, you can convert the value of your ticket into credit for future flights for main cabin or first class fares. The credit will be valid for 12 months from the original issue date of the ticket. Saver fares are only eligible for 50% credit of the original ticket value. See the full terms on the airline’s website. Travelers can generally make changes to their reservation on the airline’s website, or by contacting customer service through the online chat feature, or by calling 800-252-7522.

◾ Spirit Airlines: Refunds are not available more than 24 hours after booking. If you choose not to travel, you can convert the value of your ticket into credit for future flights, less a cancellation fee that ranges from $0 to $119 per person, depending on how far out your flight is. New travel must be booked no more than 90 days from the date of the credit being issued. See the full terms on the airline’s website . Travelers can generally make changes to their reservation on the airline’s website, or by contacting customer service through the online chat feature, by texting 48763, messaging 855-728-3555 on WhatsApp, or calling that number on the phone. Spirit may charge a fee for customer service assistance.

◾ Frontier Airlines: Refunds are not available more than 24 hours after booking unless you purchased a refundability add-on. If you choose not to travel, you can convert the value of your ticket into credit for future flights, less a cancellation fee that ranges from $0 to $99 per passenger per segment, depending on how far out your flight is. New travel must be booked no more than 90 days from the date of the credit being issued. See the full terms on the airline’s website . Travelers can generally make changes to their reservation on the airline’s website, or by contacting customer service through the online chat feature, by messaging the carrier on WhatsApp at 720-902-3969, or by sending an email through the online customer service form. Frontier may charge a fee for customer service assistance.

◾ Allegiant Airlines: Refunds are not available more than 24 hours after booking unless you purchased a refundability add-on. If you choose not to travel, you can convert the value of your ticket into credit for future flights, less a cancellation fee of $25 per person per segment and any other related carrier charges and booking fees. New travel must be completed within one year of the date of the initial reservation. See the full terms on the airline’s website . Travelers can generally make changes to their reservation on the airline’s website, or by contacting customer service through the online chat feature, by texting the carrier at 866-432-6165, or by sending an email through the online customer service form. Allegiant may charge a fee for customer service assistance.

◾ Sun Country: Refunds are not available more than 24 hours after booking unless you purchased a refundability add-on. If you choose not to travel, you can convert the value of your ticket into credit for future flights, less a cancellation fee that ranges from $0 to $99 per person per segment, depending on how far out your flight is. New travel must be booked no more than 90 days from the date of the credit being issued. See the full terms on the airline’s website . Travelers can generally make changes to their reservation on the airline’s website, or by calling customer service at 651-905-2737.

How do I cancel my hotel booking for my eclipse trip?

◾ Expedia: Cancellation policies are set by the hotel, not Expedia. Thankfully, most hotels refund your entire payment if you cancel before their cancellation deadline, but some hotel rooms are nonrefundable. You can find cancellation and refund policy information on your itinerary in the app, according to Expedia Group. If you used points to pay for your booking and you’re charged a cancellation fee , that will come out of your points balance. Travelers can contact an Expedia agent at any time through its online chat feature on the website’s Help Center .

◾ KAYAK: If you booked your hotel reservations through KAYAK, you can go to your bookings page for more information on 24/7 support. Since KAYAK is a search engine and not a seller, travelers need to get in touch with their hotel directly . Travelers can contact KAYAK via the chat feature on the website’s Help Center . 

◾ Hotels.com: Refunds are not available more than 24 hours after booking. However, some bookings are completely nonrefundable. When you cancel, you won’t get any money back. Other hotels or vacation rentals may charge a cancellation fee . Travelers can chat with a Hotels.com agent using the virtual chat feature on the website’s Help Center . 

• ◾ Booking.com: Cancellation policies are property-specific, meaning you might not qualify for a complete refund or face a cancellation fee. Check your confirmation email for details on the cancellation policy associated with your booking. If your booking is nonrefundable, you won't be able to cancel or modify i t. Travelers can contact Booking.com’s customer service 24/7 by calling 1-888-850-3958 or logging into Booking.com and sending a message.

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Can I cancel my Airbnb, Vrbo on my eclipse trip?

◾ Vrbo: Cancellation policies are set by the host, and refunds are issued according to the cancellation policy, according to Expedia Group, which owns Vrbo. If you would like to cancel or make changes to your booking outside of the cancellation policy, you should contact the host directly. Travelers can contact Vrbo’s customer service by calling 1-877-202-9331. 

◾ Airbnb: Cancellation policies are set by the host and based on the local time zone of the listing. You can see your confirmed reservation’s cancellation policy under reservation details. Airbnb announced an update to its Major Disruptive Events Policy , which includes natural disasters and declared public health emergencies, but not a cloudy eclipse day. If you’ve purchased insurance for your reservation, you can get your full payment reimbursed if you cancel within 10 days of booking (unless you’ve already started your trip.) Travelers can contact Airbnb’s customer service by calling 1-844-234-2500 or messaging Airbnb support via its website . 

Eclipse boosts travel as Americans chase rare celestial event

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Reporting by Nathan Gomes, Deborah Sophia and Akash Sriram in Bengaluru; Editing by Anil D'Silva

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Thomson Reuters

Akash reports on technology companies in the United States, electric vehicle companies, and the space industry. His reporting usually appears in the Autos & Transportation and Technology sections. He has a postgraduate degree in Conflict, Development, and Security from the University of Leeds. Akash's interests include music, football (soccer), and Formula 1.

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