Travel plans and additional insurance products for US guests

Travel is an adventure—but plans can change. Illness, flight disruptions, or misplaced luggage can leave you with unexpected costs.

Eligible Airbnb guests residing in the United States can add optional travel insurance or other insurance products at checkout or after booking. These plans are underwritten by Generali US Branch and offered through Airbnb Insurance Agency, LLC.

Available insurance plans

Guest Travel Insurance

Travel insurance through Generali US Branch covers:

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

Coverage for pre-existing conditions

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

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

Consult your policy for further details.

Accidental damage coverage

For eligible US domestic trips, Accidental damage coverage (also referred to as Vacation Rental Damage coverage in the policy) may be offered. This provides coverage up to the amount shown in your plan’s Schedule of benefits for certain accidental damage caused by you or other guests to your host’s property during your trip.

Coverage plans are underwritten and administered by Generali US Branch and eligibility may vary based on your trip and timing. Coverage details will be shown on your plan details page and policy documents.

On-trip protection

For eligible US domestic trips, an On‑trip protection insurance plan may be offered that provides benefits once your trip begins.

If you purchase On‑trip protection, your coverage includes:

• Post‑departure benefits: coverage once your trip has started—travel delay, baggage loss or delay, medical, emergency assistance, and trip interruption—per your plan.
• Accidental damage coverage: coverage for certain accidental damage caused by you or other guests to your host’s property during your trip, up to the amount shown in your plan’s Schedule of benefits.

Coverage plans are underwritten and administered by Generali U.S. Branch, and eligibility may vary based on your trip and timing. Coverage details will be shown on your plan details page and in your policy.

Adding insurance to your reservation

If your reservation is eligible, you’ll be given the option to add available products on the checkout page or after booking—just look for the Add to your trip button on your booking confirmation email and reservation details page.

Before adding an insurance product to your reservation, be sure to review all the details to make sure it’s right for you.

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

Making changes to your reservation

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

Who’s covered

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

Assistance services

Each plan comes with assistance services like Emergency Assistance, Concierge, and roadside assistance. The amount you’ll be charged for Guest Travel Insurance, Accidental damage coverage, or On-trip protection insurance includes a fee for these services.

Canceling your plan

US residents can cancel their plan and receive a full refund of the premium if canceled within the timelines below:

For Guest Travel Insurance (including Guest Travel Insurance with Accidental Damage Coverage): Plans can be cancelled within 10 days of purchase, provided you haven’t departed for your trip or submitted a claim.

For Accidental Damage Coverage standalone or On-trip Protection: Plans can be cancelled until the day before you check-in, provided you haven’t departed for your trip or submitted a claim.

To cancel your plan:

1. Go to Trips
2. Select your reservation
3. Scroll down to Travel insurance
4. Click or tap Coverage Overview to get your policy details page
5. From your policy details page, click or tap Cancel policy to get started

Note: You’ll only see an option to Cancel travel insurance if you’re eligible to do so. After the plan is canceled you won’t be able to file a claim.

Filing a claim

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

To start a claim:

1. Go to Trips
2. Select your reservation
3. Scroll down to Travel insurance
4. Click or tap Start a Claim to go to your policy details page to get started

If your plan includes coverage for accidental damage (also known as Vacation Rental Damage in the policy), and you’d like to file a claim for the damages to your host’s property, you can message your host directly to let them know. They’ll be able to submit the claim on your behalf once you’ve checked out.

Reservation refunds

For home reservations, cancellation policies are set by the host and vary by listing. If you decide to cancel, your reservation refund will be determined by the host's cancellation policy for your booking. You can view the exact refund amount before you confirm the cancellation in your Trips. For non-refundable reservation costs, you can file a travel insurance claim if you are canceling for a covered reason.

The insurance premium is a separate charge from your reservation cost. If you choose not to file a travel insurance claim and you qualify for an insurance premium refund as noted under the Canceling your plan section of this article, you can cancel your insurance plan for a full premium refund.

How to get help

If you have questions about your insurance plans, need help with a claim, or want travel assistance, contact Generali by calling (866) 757-0010 or emailing help@generalitravelinsurance.com.

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

The insurance products described in this article are underwritten by: Generali U.S. Branch, NY (NAIC #11231) and offered by Airbnb Insurance Agency LLC, California license number 6001912. The insurance policy benefits and assistance services are described on a general basis and are subject to certain terms, conditions and exclusions.