travel insurance airbnb worth it

Is Airbnb Travel Insurance Worth It for Your Next Vacation?

Are you planning a trip and considering booking an Airbnb rental? If so, you may have come across the option to purchase travel insurance. But is Airbnb travel insurance worth the extra cost? In this article, we’ll explore the ins and outs of Airbnb’s travel insurance to help you make an informed decision.

What Does Airbnb Travel Insurance Cover?

Airbnb travel insurance is designed to protect you from unexpected events that could disrupt your trip. Here’s what it typically covers:

Trip Cancellation : If you need to cancel your trip due to covered reasons such as illness, injury, or natural disasters, Airbnb travel insurance can reimburse you for the non-refundable cost of your rental.
Flight Cancellation : If your flight is canceled due to severe weather conditions, the insurance can cover the cost of rebooking or alternative transportation.
Trip Delays : If your trip is delayed for more than 12 hours, the insurance can provide coverage for additional expenses such as meals and accommodations.
Baggage Loss or Delay : If your luggage is lost or delayed during your trip, the insurance can reimburse you for essential items or replacement costs.
Travel Document Protection : If your travel documents, such as passports or visas, are lost or stolen, the insurance can cover the cost of replacing them.

It’s important to note that Airbnb travel insurance does not cover issues related to the rental property itself. For instance, if the rental doesn’t meet the advertised standards or if the host cancels at the last minute, you’ll need to rely on Airbnb’s AirCover program for assistance.

How Much Does Airbnb Travel Insurance Cost?

The cost of Airbnb travel insurance varies based on the total cost of your trip. Generally, it’s calculated as a percentage of your rental cost, typically ranging from 5% to 12%. For example, if your Airbnb rental costs $1,000, the travel insurance could cost anywhere from $50 to $120.

Is Airbnb Travel Insurance Worth It?

Whether Airbnb travel insurance is worth it or not depends on several factors, including:

Length of Your Trip : If you’re planning a shorter trip, the cost of travel insurance may not be justified. However, for longer trips or international travel, the insurance could provide valuable protection.
Cost of Your Rental : The more expensive your Airbnb rental, the more valuable travel insurance becomes. If you’re spending a significant amount on accommodations, the insurance can help protect your investment.
Your Travel Habits : If you frequently travel or have experienced trip disruptions in the past, travel insurance may be a wise investment.
Existing Coverage : Check if you already have travel insurance through your credit card, travel rewards program, or other sources. If you have sufficient coverage, you may not need to purchase Airbnb’s travel insurance.

Alternative Travel Insurance Options

While Airbnb travel insurance can provide peace of mind, it’s not the only option available. You can also consider purchasing a comprehensive travel insurance policy from a third-party provider. These policies often offer more extensive coverage, including:

Trip interruption and trip delay coverage
Medical and dental coverage
Emergency evacuation coverage
Rental car coverage

However, third-party travel insurance policies may be more expensive than Airbnb’s offering, so it’s essential to compare costs and coverage options to find the best fit for your needs.

Pros and Cons of Airbnb Travel Insurance

To help you make an informed decision, here are some pros and cons of Airbnb travel insurance:

Convenience: Purchasing travel insurance through Airbnb is a seamless process, as it’s integrated into the booking platform.
Rental Protection: Airbnb travel insurance can provide coverage for the non-refundable cost of your rental if you need to cancel your trip due to covered reasons.
Affordable: Compared to comprehensive third-party travel insurance policies, Airbnb’s insurance can be more budget-friendly.
Limited Coverage: Airbnb travel insurance primarily covers issues related to trip disruptions and does not provide comprehensive coverage for medical emergencies, lost or stolen personal items, or rental property issues.
Existing Coverage: If you already have travel insurance through other sources, such as credit cards or travel rewards programs, Airbnb’s insurance may be redundant.
Cancellation Restrictions: Once your trip begins, you cannot cancel the Airbnb travel insurance policy.

Final Thoughts

Airbnb travel insurance can provide valuable protection for your vacation rental, but its value ultimately depends on your specific travel needs and existing coverage. Before purchasing the insurance, carefully review the policy details, consider the cost of your rental, and evaluate your overall risk tolerance.

If you decide to forgo Airbnb’s travel insurance, be sure to explore alternative options, such as third-party travel insurance policies or relying on existing coverage through credit cards or travel rewards programs.

Regardless of your decision, it’s always a good idea to familiarize yourself with Airbnb’s cancellation policies and the host’s specific rules to ensure you’re fully prepared for any potential disruptions during your trip.

Happy and safe travels!

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Airbnb Travel Insurance: What Guests Should Know

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

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Updated September 26, 2023

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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.

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Airbnb . " Understanding Travel Insurance ."
Airbnb . " Aircover for guests ."
Airbnb . " Travel insurance through Generali ."

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

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

Traveling opens doors to new experiences and cultures, but unexpected events can disrupt even the best-laid plans. Trip cancellations, flight delays or medical emergencies can leave you scrambling for solutions and facing financial losses. This is where travel insurance steps in, offering a safety net for unforeseen circumstances.

Airbnb, recognizing this need, offers travel insurance as an add-on purchase for guests during the booking process. But how does it differ from the existing Airbnb Host Guarantee programs like AirCover for guests? Let's delve into the world of Airbnb travel insurance and understand how it can protect your next Airbnb adventure.

AirCover vs. Travel Insurance

It's important to distinguish between Airbnb travel insurance and AirCover for guests . AirCover is a free program offered by Airbnb. It acts as a safety net for situations directly related to the host or the listing itself.

Let's dissect what AirCover covers:

Listing inaccuracy: Did the pool in the pictures turn out to be a kiddie inflatable? AirCover comes to the rescue if the listing significantly differs from reality and the host can't rectify it. Guests will be assisted in finding similar accommodation or offered a full or partial refund.
Host cancellation within 30 days: Imagine booking your dream getaway only to have the host cancel last minute. AirCover ensures guests aren't left scrambling. It will help them find alternative accommodation or provide a full refund.
Unable to check-In (host's fault): You arrived at your stay, but the host is nowhere to be found, or there's a problem with access? AirCover steps in, helping guests find a similar place or offering a full refund depending on the circumstances.

In these scenarios, Airbnb will help you find a similar place to stay or offer a full or partial refund.

Travel insurance

Travel insurance acts as a broader umbrella, shielding guests from a wider range of potential disruptions beyond the scope of AirCover.

Unlike AirCover, travel insurance is an optional add-on purchased during the booking process. It's provided by a third-party insurance company, currently Generali Global Assistance in the US and Europ Assistance Group in other parts of the world) and offers broader coverage for unforeseen circumstances outside the control of you and your host.

What does Airbnb travel insurance cover?

Airbnb travel insurance offers a safety net for various situations that could derail your trip. Here's a breakdown of some key coverages:

Trip cancellation: If you need to cancel your trip entirely for a covered reason, you can be reimbursed for up to 100% of your non-refundable Airbnb booking cost. Covered reasons typically include illness, injury (to yourself or a travel companion), natural disasters at your destination or unexpected work obligations.
Trip interruption: Imagine having to cut your Airbnb stay short (due to a covered reason). You can get reimbursed for the unused portion of your accommodation cost, potentially up to 150% (including the initial cancellation reimbursement). This additional 50% might cover some additional expenses incurred due to the disruption.
Travel delay: Flight delays can wreak havoc on your itinerary. If your trip is delayed by 24 hours or more due to a covered reason (like bad weather or a mechanical issue), you might be reimbursed for expenses like meals, accommodation and local transportation incurred during the delay, up to a certain limit per person (typically $750).
Emergency medical and evacuation: Accidents or sudden illness can occur anywhere. You get coverage for medical expenses and emergency medical evacuation (including repatriation) if needed during your trip.
Baggage delay or loss: Misplaced luggage can throw a wrench in your travel plans. If your checked baggage is delayed or lost for 24 hours or more, you might be reimbursed for essential items like toiletries and clothing to tide you over until your luggage arrives.

What does Airbnb travel insurance NOT cover?

This depends on how the coverage is defined and the country of residence of the Airbnb traveler. For example, UK residents are not covered for travel costs such as flights, trains and ferries as well as pre-existing medical conditions.

Policy details relevant to each country including areas of coverage and key exclusions can be found here .

How Does Airbnb AirCover Work with Airbnb Travel Insurance?

Airbnb’s AirCover for guests and travel insurance are two different but complementary products that work well together. For example, if a guest arrives at their destination only to find the host has canceled the reservation at the last minute. Meanwhile, they are informed at the airport that their baggage is missing. While AirCover will help the guest find a new place to stay at no extra cost, they can file an insurance claim to get reimbursed for their missing baggage.

Key Considerations for Guests When Choosing Travel Insurance

While AirCover offers valuable protections related to Airbnb itself, Airbnb travel insurance provides a broader safety net for various trip disruptions.

By understanding the coverage details and comparing it to your specific needs and risk tolerance, you can decide if Airbnb travel insurance is a worthwhile addition to your Airbnb booking. Here are some additional tips:

Compare costs: Don't just rely on the travel insurance offered during booking. Consider comparing it with independent travel insurance providers to see if you can find a better deal with similar coverage.
Read reviews: Researching online reviews of Generali's travel insurance can give you insights into their claim settlement process and customer service.
Consider trip protection on credit cards: Some credit cards offer trip cancellation or interruption insurance as a benefit. Check your credit card's benefits to see if it might already offer some coverage.
Always review the full terms and conditions of any travel insurance policy before purchasing.
File claims promptly according to the insurer's guidelines.
Keep all documentation related to your trip cancellation or disruption, including receipts and communication with the host or airline.

By being prepared with Airbnb travel insurance, you can embark on your Airbnb adventure with greater confidence, knowing you have some financial protection if the unexpected arises. Now you can focus on creating lasting memories during your stay!

Who should consider Airbnb travel insurance?

Travel insurance can be a wise investment for:

Those with non-refundable bookings: If you've booked an Airbnb with a strict cancellation policy , travel insurance can provide peace of mind in case unforeseen circumstances force you to cancel.
Those booking expensive trips: For trips with a significant financial investment, travel insurance can help mitigate potential losses due to cancellations or interruptions.

Ready, Set, Go!

Airbnb travel insurance is more than just a step in creating new revenue streams. It’s also a means of providing added convenience to users inclined to purchase travel insurance while keeping them inside the Airbnb platform.

By incorporating this optional safety net, you can approach your Airbnb adventure with a sense of security, ready to embrace the possibilities and forge unforgettable memories. Remember, travel insurance provides a financial buffer, but prioritizing safety and well-being throughout your travels should always be your top priority. Now, bon voyage!

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

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

What is Airbnb Travel Insurance?

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

Is Airbnb Travel Insurance Sufficient for Guests?

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

What are the Benefits of Airbnb Travel Insurance?

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

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

Comparing Airbnb Travel Insurance to Other Options

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Planning a vacation can be an exciting experience, but it’s essential to consider all aspects of your trip, including travel insurance. While Airbnb offers its own travel insurance policy, you might be wondering, “Is Airbnb travel insurance worth it?” In this article, we’ll take a closer look at Airbnb’s insurance coverage, exploring its benefits and drawbacks to help you make an informed decision about protecting your trip.

Understanding Airbnb Travel Insurance:

Airbnb offers a built-in Host Protection Insurance program that provides coverage for property damage and liability claims up to a certain limit. However, this insurance primarily protects the hosts rather than the guests. To address this, Airbnb introduced a separate Guest Refund Policy and Host Guarantee to protect travelers from unexpected circumstances.

Pros of Airbnb Travel Insurance:

Convenient and Affordable: One of the biggest advantages of Airbnb travel insurance is its convenience. By opting for Airbnb’s insurance, you can easily add coverage to your booking with just a few clicks. Additionally, the cost is often included in the overall price, making it a hassle-free choice.
Comprehensive Coverage: Airbnb’s insurance coverage offers protection against trip cancellations, interruptions, and delays caused by specific unforeseen circumstances, such as illness, accidents, or natural disasters. This can provide peace of mind, knowing that you have financial protection in case of unexpected events.
Worldwide Coverage: Whether you’re traveling domestically or internationally, Airbnb’s insurance coverage applies globally. This means you can feel secure no matter where your adventures take you.
Host Protection Insurance: As a guest, you benefit indirectly from Airbnb’s Host Protection Insurance. This coverage protects you in case of accidental property damage or personal injury claims made by the host. Knowing that you have some form of protection can make your stay more relaxed and worry-free.

Cons of Airbnb Travel Insurance:

Limited Coverage: While Airbnb’s insurance coverage is comprehensive in certain areas, it does come with limitations. It’s crucial to carefully read the policy to understand the specific circumstances under which you’re covered and the applicable deductibles or limits.
Exclusions and Pre-Existing Conditions: Like any insurance policy, Airbnb’s coverage comes with certain exclusions and limitations. Pre-existing medical conditions, war-related incidents, and high-risk activities may not be covered. Make sure to review the policy details to understand what is and isn’t included.
Overlapping Coverage: Before purchasing Airbnb’s insurance, consider any existing travel insurance policies you might already have. If you already have coverage through another provider, it’s important to compare the benefits and coverage limits to avoid unnecessary duplication.
Claims Process: Some travelers have reported challenges when it comes to the claims process with Airbnb’s insurance. It’s essential to familiarize yourself with the steps involved and the required documentation to ensure a smooth claims experience, should the need arise.

Making an Informed Decision:

Deciding whether Airbnb travel insurance is worth it ultimately depends on your personal circumstances, risk tolerance, and travel plans. If you value convenience, affordable coverage, and the peace of mind that comes with protection against unforeseen events, Airbnb’s insurance might be a suitable option. However, if you already have robust travel insurance or are traveling to high-risk destinations, you might want to explore other insurance options to ensure comprehensive coverage.

While Airbnb travel insurance offers convenient and affordable coverage for travelers, it’s essential to weigh the pros and cons before making a decision. Consider your specific travel needs, compare the coverage and limitations, and evaluate any existing insurance policies you may have. By taking these factors into account, you can make an informed decision that best suits your travel requirements and provides the necessary protection for a worry-free trip.

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Is Airbnb Travel Insurance Worth It?

August 26, 2023

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

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

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

What is Airbnb Travel insurance?

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

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

Why Airbnb travel Insurance is worth it

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

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

What travel insurance cover

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

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

AirCover for guests

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

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

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

Travel insurance through Generali and Europ Assistance

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

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

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

US residents through Generali, their travel insurance policy includes:

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

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

24/7 emergency and travel assistance is also included.

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

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

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

Limitations of Airbnb travel insurance

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

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

Final Verdict

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

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

Frequently Asked Questions (FAQs)

How much does airbnb travel insurance cost.

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

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

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

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

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

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

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

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

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Is Airbnb Travel Insurance Worth It? Exploring Pros, Cons & Cost

By Happy Sharer

Introduction

Airbnb travel insurance is a type of insurance designed specifically for individuals who book stays through the popular home-sharing platform. It provides financial protection in the event of cancellations or interruptions, as well as coverage for lost, stolen, or damaged items. But is it really worth it? This article will explore the pros and cons of Airbnb travel insurance, as well as the types of coverage offered and the associated costs.

Analyzing the Pros and Cons of Airbnb Travel Insurance

When it comes to travel insurance, there are both pros and cons to consider. Let’s take a look at some of the benefits and drawbacks of Airbnb travel insurance.

One of the major advantages of Airbnb travel insurance is that it provides coverage for lost, stolen, or damaged items. This is especially important for travelers who are bringing expensive items with them such as cameras or laptops. Additionally, it offers financial protection in the event of cancellation or interruption, which can be critical if something unexpected happens during your trip. Lastly, it provides emergency medical assistance, which can be invaluable if you get sick or injured while traveling.

On the other hand, there are some drawbacks to Airbnb travel insurance. One of the biggest is that its coverage is often more limited than traditional travel insurance policies. For example, it does not cover flight delays or cancellations, which can be a major inconvenience if your plans change unexpectedly. Additionally, it tends to be more expensive than other travel insurance options, making it less attractive for budget-conscious travelers. Finally, it only covers stays booked through Airbnb, so it won’t provide any protection if you book a stay elsewhere.

Exploring the Different Types of Airbnb Travel Insurance

There are three main types of Airbnb travel insurance: Host Guarantee, Host Protection Insurance, and Specialty Policies. Let’s take a closer look at each one.

Host Guarantee

The Host Guarantee is the most basic form of Airbnb travel insurance. It provides up to $1 million in coverage for property damage, liability, and personal injury. This type of insurance is free for all hosts and does not require any additional action on their part.

Host Protection Insurance

Host Protection Insurance is an optional add-on for hosts. It provides up to $1 million in coverage for property damage, liability, and personal injury. Additionally, it includes coverage for legal defense costs and attorney’s fees. However, this type of insurance is not free and must be purchased separately.

Specialty Policies

Specialty policies are also available for certain types of trips. These include Trip Cancellation, Lost or Stolen Items, and Medical Assistance. They provide additional coverage beyond what is included in the Host Guarantee and Host Protection Insurance. However, these policies are typically more expensive than the other two options.

Evaluating the Cost of Airbnb Travel Insurance

The cost of Airbnb travel insurance depends on the type of policy you choose. Here is a breakdown of the estimated costs for each type of policy:

The Host Guarantee is free for all hosts. No additional action is required on their part.

Host Protection Insurance is an optional add-on for hosts. It typically costs between $0.50 and $2.00 per night, depending on the number of nights booked. The exact cost will vary based on the location and length of stay.

Specialty policies are usually more expensive than the other two options. They typically cost between $5.00 and $20.00 per night, depending on the type of policy and the length of stay. The exact cost will vary based on the specific policy and the location.

Examining the Scope of Coverage Offered by Airbnb Travel Insurance

The scope of coverage offered by Airbnb travel insurance varies depending on the type of policy you choose. Here is a breakdown of the coverage offered for each type of policy:

The Host Guarantee provides coverage for property damage, liability, and personal injury. It does not include coverage for trip cancellation, lost or stolen items, or medical assistance.

Host Protection Insurance provides the same coverage as the Host Guarantee, plus additional coverage for legal defense costs and attorney’s fees. It also does not include coverage for trip cancellation, lost or stolen items, or medical assistance.

Specialty policies provide additional coverage beyond what is included in the Host Guarantee and Host Protection Insurance. They typically include coverage for trip cancellation, lost or stolen items, and medical assistance. However, the exact coverage may vary depending on the type of policy and the location.

Investigating Customer Experiences with Airbnb Travel Insurance

Customer reviews can be a helpful tool when evaluating the worth of Airbnb travel insurance. Let’s take a look at some of the common complaints and positive reviews.

Common Complaints

The most common complaint among customers is that the coverage provided by Airbnb travel insurance is limited compared to traditional travel insurance. Additionally, some customers have reported that they were unaware of the full scope of coverage offered and ended up having to pay out of pocket for expenses that were not covered. Others have complained that the cost of specialty policies is too high, making them less attractive.

Positive Reviews

On the other hand, there are many customers who have had positive experiences with Airbnb travel insurance. Many cite the convenience of being able to purchase insurance directly through Airbnb as a major benefit. Others appreciate the coverage for lost, stolen, or damaged items, which can be especially valuable for travelers who are bringing expensive items with them. Finally, customers have praised the customer service provided by Airbnb, noting that it is quick, responsive, and helpful.

Airbnb travel insurance is a type of insurance designed specifically for individuals who book stays through the popular home-sharing platform. While it does offer some benefits, such as coverage for lost, stolen, or damaged items, it is limited compared to traditional travel insurance policies. Additionally, it tends to be more expensive than other travel insurance options. Ultimately, whether or not Airbnb travel insurance is worth it depends on your individual needs and budget.

In conclusion, Airbnb travel insurance has some advantages, such as coverage for lost, stolen, or damaged items, as well as financial protection in the event of cancellation or interruption. However, it also has some drawbacks, such as limited coverage compared to traditional travel insurance policies and higher costs. Ultimately, whether or not Airbnb travel insurance is worth it depends on your individual needs and budget.

(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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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

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Is Travel Insurance on Airbnb Worth It?

Traveling has become an integral part of our lives, and with the rise of home-sharing platforms like Airbnb, finding accommodation in unique destinations has never been easier. However, as with any venture, there are risks involved.

That's where travel insurance comes into play. In this article, we will explore is travel insurance on Airbnb worth it help you decide if it's worth investing in for your next trip.

Airbnb and Its Insurance Policies

Airbnb has gained popularity for its unique accommodations offered by hosts worldwide. In addition to the convenience and affordability it provides, Airbnb also offers insurance policies to protect both hosts and guests. Let's take a closer look at these insurance policies.

When it comes to booking accommodations through Airbnb, one of the main concerns for guests is the safety and security of the property they will be staying in. To address this concern, Airbnb has implemented two insurance policies that provide coverage for both hosts and guests.

Airbnb's Host Guarantee

As a host on Airbnb, you are automatically enrolled in the Host Guarantee program. This program provides coverage for up to $1 million USD in property damage caused by guests. The Host Guarantee is designed to give hosts peace of mind and protect their property in case of accidents or damages.

Imagine you are a host and have just welcomed a group of guests into your beautiful home. You have put a lot of effort into making sure everything is perfect for their stay. However, accidents can happen, and sometimes guests unintentionally damage property.

With Airbnb's Host Guarantee, you can rest assured that you are protected financially. Whether it's a broken window, a stained carpet, or any other damage caused by guests, Airbnb will cover the costs up to $1 million USD.

This insurance policy not only benefits hosts but also encourages guests to feel more at ease during their stay. Knowing that their host is protected by the Host Guarantee, guests can relax and enjoy their experience without worrying about potential damages.

Airbnb's Host Protection Insurance

In addition to the Host Guarantee, Airbnb also offers Host Protection Insurance. This insurance provides liability coverage to hosts in case guests or third parties suffer bodily injury or property damage during their stay. The coverage amount is up to $1 million USD and can help protect hosts in case of legal claims.

Imagine a scenario where a guest accidentally slips and falls in your home, resulting in an injury. With Airbnb's Host Protection Insurance, you are covered for any liability claims that may arise from such incidents. This insurance not only protects hosts financially but also provides a sense of security for guests, knowing that they are staying in a place where their well-being is prioritized.

Furthermore, Host Protection Insurance extends its coverage to protect hosts against claims made by third parties. For example, if a neighbor's property is damaged during a guest's stay, the insurance can help cover the costs associated with the damage, up to $1 million USD.

In conclusion, Airbnb's insurance policies, including the Host Guarantee and Host Protection Insurance, play a vital role in ensuring the safety and security of both hosts and guests. These policies provide financial protection and peace of mind, allowing hosts to open their homes to travelers with confidence, and guests to enjoy their stay without worrying about potential accidents or damages.

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Evaluating the Need for Additional Travel Insurance

While Airbnb provides some insurance coverage for hosts and guests, it's essential to evaluate whether additional travel insurance is necessary for your trip. Here are some factors to consider when making this decision.

Factors to Consider

First and foremost, consider the cost and length of your trip. If you are going on a short weekend getaway, the coverage provided by Airbnb's insurance policies may be sufficient. However, for longer trips or trips to destinations with higher associated risks, additional travel insurance might offer more comprehensive coverage.

Another factor to consider is the level of medical coverage provided. While Airbnb's insurance policies may cover some medical expenses, they may not offer the same level of coverage as a dedicated travel insurance policy. If you have pre-existing medical conditions or require specific medical treatments, it's crucial to assess whether additional travel insurance would provide the necessary coverage.

Furthermore, consider the activities you plan to engage in during your trip. Airbnb's insurance policies may not cover extreme sports or activities deemed high-risk. If you are planning to participate in activities such as bungee jumping, skydiving, or scuba diving, it's important to ensure that you have adequate coverage through additional travel insurance.

Potential Risks and Coverage Gaps

Every travel insurance policy has its limitations and exclusions. Airbnb's insurance policies may not cover certain events, such as pre-existing medical conditions, extreme sports, or acts of terrorism. It's essential to review the policy details carefully and identify any coverage gaps that may exist.

In addition to the specific coverage gaps mentioned above, it's important to consider other potential risks that may not be covered by Airbnb's insurance. For example, if you are traveling to a destination known for political instability or natural disasters, additional travel insurance can provide coverage for trip cancellations, emergency evacuations, and lost or delayed baggage.

Moreover, consider the potential financial impact of unforeseen events during your trip. While Airbnb's insurance policies may provide some coverage, they may not fully reimburse you for non-refundable expenses or compensate you for lost income due to trip interruptions. Additional travel insurance can offer financial protection against such scenarios, providing you with peace of mind during your travels.

Lastly, take into account the level of customer service and support offered by Airbnb's insurance policies. While they may have a claims process in place, it's important to assess whether it meets your expectations. Additional travel insurance providers often offer round-the-clock assistance and dedicated claims representatives to ensure a smooth and efficient claims experience.

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Pros and Cons of Travel Insurance on Airbnb

As with any decision, there are both advantages and drawbacks to consider when deciding on travel insurance for your Airbnb trip. Let's explore the pros and cons in more detail.

Benefits of Having Travel Insurance

One significant benefit of having travel insurance is the financial protection it offers. In the event of a medical emergency or trip cancellation, travel insurance can save you from bearing the full financial burden. This can be especially crucial when traveling to unfamiliar destinations or engaging in adventurous activities where the risk of accidents or unforeseen circumstances is higher.

Moreover, travel insurance provides peace of mind, allowing you to enjoy your trip without worries of unexpected expenses or mishaps. It covers not only medical emergencies but also lost or stolen belongings, flight delays or cancellations, and even emergency evacuation. With travel insurance, you can relax and fully immerse yourself in the experience, knowing that you have a safety net to fall back on.

Drawbacks of Travel Insurance

While travel insurance offers many benefits, there are also potential drawbacks to consider. The cost of travel insurance can add up, especially if you opt for more comprehensive coverage. It's important to carefully assess your needs and compare different insurance plans to find the one that offers the best value for your money.

Additionally, some insurance policies may have complex terms and conditions that may be confusing for travelers . It's crucial to read the fine print and fully understand what is covered and what is not. This can be time-consuming and may require some research, but it's essential to ensure that you are getting the coverage you need and avoiding any unpleasant surprises.

Another drawback is that travel insurance may not cover certain pre-existing medical conditions or high-risk activities. It's important to disclose any relevant information about your health and the activities you plan to engage in to determine if you can obtain adequate coverage. This may require providing medical records or additional documentation, which can be an inconvenience.

Lastly, filing a claim with insurance can sometimes be a lengthy and bureaucratic process. It may involve gathering documentation, filling out forms, and waiting for approval. This can be frustrating, especially when you are in need of immediate assistance. It's important to familiarize yourself with the claims process and the requirements beforehand to minimize any potential delays or complications.

Making an Informed Decision

Now that you understand the basics of travel insurance and how it relates to Airbnb trips, it's time to make an informed decision. Here are some questions to ask and tips to consider before purchasing travel insurance.

Questions to Ask Before Purchasing Travel Insurance

What is the coverage limit for medical expenses?
Does the policy cover trip cancellation or interruption?
Are there any exclusions or limitations that may affect my trip?
Can I customize the policy to meet my specific needs?

Tips for Choosing the Right Travel Insurance

Compare differentinsuranceproviders and their policies to find the best coverage at the most reasonable price.
Read the policy details carefully to understand what is covered and what is not.
Consider any special requirements or activities you will be engaging in during your trip and ensure they are adequately covered.
Seek advice from experienced travelers or consult with a travel insurance professional to get personalized recommendations.

In conclusion, travel insurance on Airbnb can offer additional peace of mind and financial protection for both hosts and guests . While Airbnb provides some insurance coverage, it's crucial to evaluate your specific travel needs and consider additional insurance to ensure comprehensive coverage.

Remember, accidents can happen anytime, anywhere, so it's better to be covered and not need it than to need it and not have it. Protect your travel dreams and embark on your next Airbnb adventure with the right travel insurance.

Ready to secure your travel plans and ensure a worry-free Airbnb experience? Discover the ideal travel insurance for your next adventure withInsuranks. Whether you're looking for comprehensive coverage or specific add-ons tailored to your trip, Insuranks has you covered.

Recent Reviews

David Stewart Insuranker

Policy Type: Travel Insurance

Company name: Generali Insurance USA

Generali Travel Insurance Experience: A Practical Guide Background: On my recent trip to China and Japan, I had to deal with Generali Travel Insurance for two separate claims: medical expenses and a delayed baggage issue. This review, based on my personal experience with Generali, might also be useful for dealing with other travel insurance companies. Before Purchasing Insurance: Key Tip: The amount of coverage you actually need is often less than the total trip cost. Generali's reimbursement policy focuses on the actual loss incurred, not the total trip cost. For instance, if a flight for your family costs $5000 but the fee to change tickets is only $800, Generali will cover the $800, not the full ticket price. The same principle applies to hotel cancellations. During Travel: Documentation Is Crucial: Preserve every piece of travel evidence, such as boarding passes. Generali requires proof of travel and all related purchases for claim processing. This includes receipts (regardless of language) and all medical documentation. Pro tip: I photographed all my receipts as a backup. Filing a Claim: Patience Required: The claims process with Generali can take several months. Often, you must first file a claim with another party. Baggage Delay Example: For my delayed baggage, I had to first lodge a claim with the airline (United Airlines in my case). Only after persistently following up with the airline for 60 days and obtaining written proof of compensation, was I able to avoid filing with Generali, as United covered my expenses. Medical Claim Process: For medical claims, you might need to file with your primary insurance first. In my case, I waited for the insurance carrier's Explanation of Benefits, which took 60 days, to show that my expenses were not covered due to an unmet deductible. Only then could I file a claim with Generali, which after another 60 days and several calls, reimbursed my full medical expenses incurred during travel. Conclusion: Keeping meticulous records and being prepared for a lengthy process are key when dealing with travel insurance claims, especially with Generali.

Patricia Lewis Insuranker

Company name: Allianz Insurance

Worst insurance company. Bought insurance for a concert that says cancel for any reason. Thr show iwas rescheduled for one month later for a time I have a booked flight one year ago and can not travel back to the show, they refused to pay me. Never again would I buy from this dishonest company Only want to collect your money and if you have a claim they disappear. Scammer

Jarrah Nock Insuranker

This is the most inhumane insurance company I have ever come across. I am now over $15000 in debt to a Greek hospital after suffering a severe car accident. I have a puncture lung and a hematoma the size of a water melon on my hip. I cannot walk and I have had to pay the hospital $8000 not including the car company and all the hotels that are not refunding me for the time I’ve spent in the hospital. They have found a very convenient loop hole so they do not have to help me after the worst car crash I have ever experienced. They have given me nothing and they advertised the adventure pack as something they would provide insurance for. This is inhumane, no empathy and I am completely disgusting with this company and will never associate with any company who associates with them.

Andreas Steger Insuranker

Company name: VisitorsCoverage Travel Insurance

I was bitten by a stray dog in Bali. I went to a hospital for necessary treatment as the wound was bleeding and I received 3 shots of 4 of an anti rabies vaccine. The 4th back in my home country. Out of 265 USD I paid, this insurance wants to pay 35 USD only. They call my outpatient treatments, meds and doctors fee an "office visit " that is covered with 70 $ only and from this amount they deducted 50 $ and give me 20 $ only. I was seeking for help in a hospital with a kind of emergency as an untreated stray dog bite can threat your life with an rabies infection and I believed I am well insure. Original costs of this section is 204 $. I feel clearly scammed by this insurance. I contacted VisitorsCoverage before this review but the agent didn't or didn't want to understand my concerns and found my case obviously solved. It was my second time I signed an insurance policy with this insurance but, first time that I had a medical incident. After all, I conclude... it is dangerous to sign with them. I don't want to imagine my bill was some thousand dollars for outpatient treatments and they bluntly declare it an "office visit" paying 20 Dollars only.

Dimitriy Leonov Insuranker

Company name: AXA Insurance

AXA is either totally incompetent or they are scammers. Initially, they were quick to confirm that the event would be covered. However, upon receiving medical documentation, they started making excuses. After confronting them about it and translating some of the documents (since they apparently cannot read) they stopped replying altogether. It's been 2 weeks since the last email from them and they still haven't given any clear reply regarding why they are trying to reject the claim. Avoid them at all costs unless you want to spend a month on calls and writing emails without any response. In unlikely case they want to contact me: event # is 7123585018.

Is Travel Insurance Worth It in April 2024?

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Table of Contents

What does travel insurance cover?

What does travel insurance not cover, when is travel insurance not necessary, when is trip insurance worth it, where to buy travel insurance, how much does travel insurance cost, should you rely on credit card travel insurance instead, so, is travel insurance worth it.

Travel can be expensive. Insurance protects your nonrefundable vacation investment if the unexpected occurs. But is travel insurance worth it?

The answer will depend on whether your trip is refundable, where you're going, whether you'll have health coverage at your destination and how much coverage you already get from your credit card. Here are some key topics to understand when deciding if travel insurance is right for you.

Travel insurance (or trip insurance) covers a number of travel-related risks, from flight cancellations to lost bags to medical emergencies.

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

The dollar amount of your coverage depends on the policy you bought and where and when you bought it. Most travel insurance providers offer several different policies to choose from, with higher or lower levels of coverage and higher or lower prices to match.

» Learn more: What to know before buying travel insurance

You can buy policies that cover a single trip, multiple trips or a full year. You can buy an individual policy or one that covers your entire family. There are many companies that offer policies, with Allianz and Travel Guard among the best-known. Here is a chart showing the benefits and coverage levels available on some Allianz policies.

NerdWallet recently analyzed various travel insurance policies to help you choose the plan that best aligns with your travel goals. Check out our results here: Best Travel Insurance Companies Right Now .

» Learn more: Does travel insurance cover medical expenses?

Incidents not covered by your travel insurance vary by policy and provider.

Pre-existing medical conditions are often excluded from coverage, meaning your benefits don't apply to claims related to that condition. Some policies cover pre-existing medical conditions if you meet certain criteria, for example if you purchased the policy within 14 days of paying for your trip and if you were well enough to travel when you booked your trip.

» Learn more: The best travel credit cards might surprise you

Plan on mountain-climbing or engaging in other dangerous activities on your trip? Many policies won't cover you if something goes wrong unless you buy a policy that specifically includes adventure sports. World Nomads travel insurance , for example, offers the Explorer plan, which includes coverage for cave diving, cliff jumping, heli-skiing and many other activities that are considered risky.

Other incidents excluded from a trip insurance policy may involve war, acts of terrorism and the use of alcohol, which can cause your injuries to be designated as "self-inflicted," or the use of drugs, which may be illegal.

If you want full flexibility to cancel your trip you'll need to find a policy that allows you to purchase a Cancel For Any Reason (CFAR) add-on. This additional benefit does exactly what the name implies and allows you to cancel your trip for any reason. Typically, you'll get around 75% of your prepaid nonrefundable trip expenses back, although exact timing and percentages vary by policy.

» Learn more: Cancel For Any Reason (CFAR) travel insurance explained

Travel insurance primarily covers two aspects of your trip — your nonrefundable reservations and your medical expenses while traveling.

If all of your reservations can be canceled without penalty, then trip cancellation or trip interruption coverage isn't necessary. But even if your trip isn't 100% refundable, insurance may not be necessary. For example, a cheap flight and hotel stay may not be worth covering, though you may still want to purchase travel insurance for medical situations.

Medical coverage typically is not necessary if you have a U.S.-based health insurance policy and you're traveling within the U.S. In those cases, you probably already have adequate coverage for illness or injury.

There are a few reasons that travel insurance can be worthwhile: to protect your nonrefundable trip costs, your luggage or your health.

When should you get trip cancellation and/or trip interruption insurance?

If you would lose the money you paid for your flights, accommodations, rental car, or activities if you had to cancel or go home early, travel insurance that specifically includes trip cancellation and trip interruption is probably a good idea. If your trip is canceled or interrupted for a covered reason, this protection will cover your reservations.

For example, if you're planning to travel to a destination that could have weather-related issues, like hurricanes in the Caribbean, travel insurance may protect your noncancelable reservations. Some policies also provide emergency evacuation to escape dangerous situations. However, if you try to purchase travel insurance after the storm poses a risk, the insurance probably will not protect you.

When should you get baggage delay and/or lost luggage coverage?

Imagine if you go on a one week trip and your checked baggage is lost or delayed. While you’re waiting to get your luggage, baggage delay insurance will reimburse you for any essentials (i.e. toiletries, medicine, socks, clothing, etc.) that you may need to purchase because you don’t have your own things.

But what if the worst case scenario happens and your bag is just lost or stolen? Lost luggage insurance will reimburse you for your misplaced bag, up to a specified dollar amount.

If you’re only traveling with a carry-on, you don’t need these two types of coverage.

When should you purchase travel medical insurance?

U.S.-based health insurance policies generally offer coverage anywhere within the U.S. But if you get sick or hurt when you travel internationally, some policies like Medicare may not cover you.

Even if your health insurance covers you outside the country, doctors at your destination may not accept it. Without travel insurance, you could be stuck paying for these bills out of pocket, then seeking reimbursement from your healthcare provider.

When should you purchase CFAR?

Most travel insurance policies won’t help you get your expenses if you cancel for a “non-covered” reason, like when your plans change or you simply don’t want to go anymore. That’s when it might be good to purchase CFAR.

If you’ve booked a trip but think that you may need to cancel for a reason that’s not covered by trip cancellation, the CFAR add-on will allow you to get up to 50-75% of your nonrefundable trip costs back as long as you cancel at least 2 - 3 days before the trip starts. The add-on must also be purchased within a specific time of the initial trip deposit (usually 14 - 21 days).

What can be an example of a cancellation that’s reimbursable under CFAR? Let’s say you book a trip with your significant other but you break up a week before the trip and don’t want to go alone. Or you book a trip really far in advance but when the date nears, you realize that you don’t want to go anymore. CFAR will be helpful for you in these instances.

When should you purchase travel insurance even though you already have a credit card that provides it?

If you already have some travel insurance protections (e.g., trip cancellation, trip interruption, baggage delay) from your credit card, but you feel that the limits are insufficient, consider purchasing a comprehensive travel insurance plan or a standalone travel medical insurance policy to protect you in case of medical emergencies on your trip.

» Learn more: The majority of Americans plan to travel this year, according to recent NerdWallet study

If you booked your trip through a travel agent, you can likely purchase coverage through them. That includes online travel booking engines like Expedia. If you're taking a cruise , you're usually offered the chance to purchase coverage during the booking process. Similarly, airlines may offer you certain types of coverage when you book a flight through their website. If you have an award booking , you have travel insurance options too.

Another option: Purchase travel insurance directly through the website of a travel insurance company, like Allianz , AXA or Travel Guard .

» Learn more: Airline travel insurance versus independent travel insurance: Which is right for you?

The cost of travel insurance is based on the specifics of your trip. The best way to get a price is to request a quote through the websites of travel insurance providers. Or you can compare multiple insurers in one place with a consolidator like InsureMyTrip.com or SquareMouth .

Many travel credit cards provide certain types of coverage in case your flight is delayed or canceled, your rental car is damaged, or your luggage is lost or delayed.

Here are a few credit cards offering travel protections that could serve as an alternative to travel insurance. But even with these cards, the benefits have a lot of fine print.

on Chase's website

on American Express' website

Chase Ink Business Preferred Credit Card

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

These are attractive benefits, but the coverage may not be as broad as you would get buying insurance. For example, AmEx cards only cover round-trip travel, so if you don’t have a return flight booked yet, you might want to consider additional coverage.

Secondly, only the Chase Sapphire Reserve® provides emergency medical and dental coverage. The other cards don’t.

Plus, these cards can come with steep annual fees that may be more than you would pay for a travel insurance policy. So don't sign up for a card just to cover one trip unless you've compared costs.

» Learn more: The best credit cards for travel insurance benefits

If you've paid a considerable sum for a nonrefundable vacation, travel insurance is likely a good idea. International travelers who need coverage in case they get sick or injured should also consider buying a policy. If troubles arise, you'll be glad that you're protected.

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

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Home » Booking » Is Airbnb Travel Insurance Worth It?

Is Airbnb Travel Insurance Worth It?

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What is Airbnb Travel Insurance?

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

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

Is Airbnb Travel Insurance Worth It All You Need to Know

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

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

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

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

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

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

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

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

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

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

Pros and Cons of Airbnb Insurance

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

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

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

Traditional insurance policies provide broader coverage than Airbnb.

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

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

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

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

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

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

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

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

To purchase Airbnb travel insurance, follow these steps:

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

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

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

1. Is Airbnb travel insurance mandatory?

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

2. Does Airbnb insurance cover flight cancellations?

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

3. How much does Airbnb travel insurance cost?

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

4. Can I cancel my Airbnb insurance policy?

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

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

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

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

Understanding Airbnb Commissions for Travel Agents

AirCover for guests and travel or reservation insurance

AirCover for guests is different from travel or reservation insurance. AirCover for guests is provided for free with every booking, while travel insurance for guests in the EU and UK , travel insurance for guests in the US , or reservation insurance (for guests in FR) can be purchased separately during checkout.

What is AirCover for guests?

If there’s a serious issue with your Airbnb that your Host can't resolve, we’ll help you find a similar place, depending on availability at comparable pricing. If a similar place isn’t available or you’d prefer not to rebook, we’ll give you a full or partial refund.

AirCover for guests provides support if your Host cancels within 30 days of check-in, you’re unable to check-in, or the listing is significantly different than advertised and your Host can’t fix it or you feel unsafe in your Airbnb.

Learn more about AirCover for guests .

What is travel or reservation insurance?

Travel is rewarding, but sometimes things don’t go as expected. People can get sick, flights can get canceled, and bags can go missing. To help protect you financially, there’s travel 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. Learn more about what’s covered .
Airbnb guests who live in France can purchase reservation insurance on the checkout page. The policy is underwritten by Europ Assistance, a leading travel insurer. Learn more about what’s covered .

Don’t live in any of the above counties? 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.

How AirCover for guests works with travel or reservation insurance

Here’s an example of how AirCover for guests and travel or reservation insurance can work together.

You arrive at your destination and learn that the airline has sent your baggage to the wrong city and you won’t get it back for at least 24 hours. You then check-in at the place to stay and find out that the number of bedrooms at the place are less than advertised.

In this situation, AirCover for guests can help you find a new place to stay, depending on availability at comparable pricing. If you purchased travel or reservation insurance with your Airbnb reservation or booking, you can also file a claim with Generali or Europ Assistance SA to get reimbursed for certain extra things you have to buy while waiting for your baggage, like clothing and toiletries.

For US residents

The travel insurance policy described in this article 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. Generali US Branch operates in the following jurisdictions under these names: California: Generali Assicurazioni Generali S.P.A. (U.S. Branch); Colorado: Assicurazioni Generali – (U.S. Branch); Oregon: Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice; Virginia: The General Insurance Company of Trieste and Venice – (U.S. Branch). The insurance policy benefits and services are described on a general basis and are subject to certain conditions and exclusion.

For EU residents

The travel insurance policy described in this article is underwritten by Europ Assistance SA (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.

For France residents

The reservation insurance is offered by Airbnb Ireland Insurance Services Limited and underwritten by Europ Assistance S.A. Irish Branch. Airbnb Ireland Insurance Services Limited is regulated by the Central Bank of Ireland. Terms and conditions apply.

For UK residents

The travel insurance policy described in this article 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.

This travel insurance is arranged by Airbnb UK Services Limited. Airbnb UK Services Limited is an appointed representative of Aon UK Limited, who is authorized 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.344.LC.

Travel insurance through europ assistance, reservation insurance for eu residents, host liability insurance.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

1,855 coverage details evaluated.
567 rates reviewed.
5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
Atlas Journey Premier offers $150,000 in primary medical coverage.
Both plans have top-notch $1 million per person in medical evacuation coverage.
Each plan offers travel inconvenience coverage of $750 per person.
12 optional upgrades, including destination wedding and rental car damage and theft.
No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
Cheap trip insurance for cruises.
Offers a rare $150,000 for non-medical evacuation.
$500 per person baggage delay benefit only requires a 3-hour delay.
Optional rental car damage benefit up to $50,000.
Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

Free coverage for children 17 and under on the same policy.
$2,000 travel delay coverage per person ($250 per day) after 5 hours.
Hurricane and weather coverage after a common carrier delay of any amount of time.
Only $50,000 per person emergency medical coverage.
Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
Non-medical evacuation benefit of $25,000 per person.
Baggage loss benefits of $2,500 per person.
Travel medical coverage is secondary.
Trip cancellation benefit for losing your job requires three years of continuous employment.
No “cancel for any reason” (CFAR) upgrade available.
Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
Bundle upgrades allow you to customize your affordable travel insurance policy.
Emergency medical and evacuation limits can be doubled with optional upgrade.
Base travel insurance policy has relatively low medical limits.
$300 baggage delay benefit requires a 12-hour delay.
Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

Best-in-class $2,500 per person in missed connection coverage.
$1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
Generous $2,500 per person baggage and personal items loss benefit.
Most expensive of the best cheap travel insurance plans.
No “interruption for any reason” coverage available.
Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

Age and number of travelers being insured.
Trip length.
Total trip cost.
The travel insurance plan you choose.
The travel insurance company.
Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price.

For example, compare these two Travelex travel insurance plans:

Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage.

Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage.
Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan.
Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need.

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

“Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days.
Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover.

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP).

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
“Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel.

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

Medical emergencies.
Trip delays.
Trip interruption.
Trip cancellation.
Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs.

Some common travel insurance add-ons you may want to consider include:

Rental car damage coverage.
Medical bundle.
Security bundle.
Accidental death and dismemberment coverage.
Adventure sports bundle.
Pet bundle.
Wedding bundle.
“Cancel for work reasons” coverage.
“Interruption for any reason” (IFAR) coverage.
“Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Money: How to earn thousands letting stars like Stormzy and David Attenborough film in your house

Weekend Money has spoken to people who've made serious cash letting film and music stars shoot in their home. You can read this and our other weekend features, and leave a comment, below - and check back on Monday for hourly updates on consumer and personal finance news.

Saturday 13 April 2024 15:36, UK

Weekend Money

How to earn thousands letting film and music stars shoot in your home
Prepayment meters now have cheapest default tariff - should you switch?
'It's cost me £8,000 to get out of an abusive relationship' - Readers respond to divorce story
Money news of week: Blow for expats in Spain | Where will Labour get money from? | Shell could quit London

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Ask a question or make a comment

By Brad Young, Money team

Earning up to £60,000 a year for letting Stormzy film a music video in your kitchen or Paloma Faith play with Lego in the living room might sound farfetched to homeowners unfamiliar with the shoot locations industry.

But every star, studio or big brand that wants to film in a residential property needs someone willing to offer up their home for the day - and they'll pay between £700 and £3,000 for the privilege.

Homeowners and shooting agencies have spoken with the Money team about the promises and pitfalls of working with the likes of Disney, Netflix and ITV to take advantage of this niche income stream.

Among them was Ed Reeve, a photographer from Hackney, who has had stars such as David Attenborough, Stormzy and Jim Broadbent walk through his doors in the 17 years he's been renting out his home.

"It has been a really positive experience on the whole for us. Generally, the shoot crews are really lovely people and they're very respectful of your home," said Mr Reeve, who is registered with location agency 1st Option.

He hosts between 12 and 20 productions a year. Most bring in £1,000 for a one-day shoot, but some earn him up to £3,000 per day or last multiple days.

"We've met lots of interesting people," said Mr Reeve, including Gillian Anderson, who stars in Sex Education, Hugh Bonneville (Downton Abbey) and Claire Foy (The Crown).

After Stormzy filmed a music video, Mr Reeves said that "every grime artist wanted to shoot here".

David Attenborough once turned up early for a BBC shoot, resulting in the pair sitting down for a cup of tea and Mr Reeve introducing his three-day old daughter to the presenter.

"He held her and looked at her with delight... it was a really special moment," said Mr Reeve.

Shoots can result in scratches around the interior, but Mr Reeve said he uses some of the money to redecorate – or in one case, let a Delux advert do it for him.

'It's never free money'

Less enthusiastic about the industry was Emer Stamp, 48, a children's author from London, who has hosted for two years.

"You think, 'Oh yeah, my house is going to be rocking', and everyone comes round and goes 'Your house will be perfect', but for whatever reason, it's not.

"My takeout is it's not as easy to make money as you think."

Ms Stamp said her home had been chosen for three productions, including a Dell shoot and a Lego advert starring Paloma Faith, earning her approximately £6,000.

Hosting also puts your schedule at the mercy of production companies – and sometimes they may not show up, said Ms Stamp.

"Like anything, you think it's free money but it's never free money."

So what does make a location popular?

Becky Butler, managing director at agency Location Collective, said there is demand for average-sized family homes with a 60s/70s vibe and unusual features.

And while a lot of the homes listed by location agencies look expensive, that was far from a deal-breaker.

"All the practical side of things are as important, if not more so, than the aesthetics of the location," said Ms Butler.

Parking, easy-going neighbours and having one large room for equipment goes a long way with clients.

Getting the combination right can create "a fantastic additional income stream", said Jennifer Marshall, of Shootfactory, which has connected homeowners with everyone from Little Mix to Killing Eve.

"We have properties that through our company have earned anywhere between £20,000 and £60,000 a year."

Much of the industry is based in London but, between them, the three agencies contacted by the Money team have organised filming in Manchester, Birmingham, the Midlands, the Home Counties and coastal areas.

Both Ms Marshall and the team at Location Collective said having a neighbour willing to get in on the action can be a real selling point.

This might mean a second house on the same street for a TV show, or simply somewhere to house the production team.

"Being able to let them pretty much take over is quite key. Sometimes they might have demands like painting or moving furniture," said Lily Gonnissen, head of business development at Location Collective.

Being quick to respond to questions, contactable during the working day, and able to accommodate viewings at short notice was a top priority, said Ms Gonnissen.

"Be friendly and welcoming - brands remember a good owner," said a spokesperson for 1st Option: "And make sure the house is clean and clutter free before any shoots."

The default tariff for prepayment meters is now cheaper than other types of meter.

It follows the energy price cap update to unit rates and standing charges from 1 April.

Uswitch data shows 56% of households don't know about the change.

What do you need to know?

Prepayment meters have traditionally been a more expensive way of paying for energy - but now prepayment standing charges have been lowered to match those for direct debit customers.

Because prepay units are cheaper, people with these meters should pay around £47 less a year than those on direct debits (£1,643 versus £1,690).

Customers who pay when they get a bill are forking out the most - around 5.8p more per day on the standing charge than those with direct debits.

Should we all get prepayment meters?

As energy costs come down, suppliers like EDF Energy have now started offering fixed deals lower than the price cap - and as things stand these are the cheapest options for many.

Eon Next's Pledge tariff promises to be 3% below whatever the price cap is for a year.

There can be catches if you want to leave these fixed deals (though Octopus doesn't charge them) - so make sure you do your research.

How many people have prepay meters?

The number of prepayment meters has fallen almost 8% from the peak in 2019, but there's still more than seven million gas and electricity units in action.

In total, 195,503 prepayment meters were installed in 2023.

Are people swapping?

Uswitch has some research that says young people (18 to 34) are far more likely to go for prepay meters - 51% would consider it, compared with 5% of over-55s.

Will Owen, energy expert at Uswitch, said: "Prepayment meters have got a bad reputation among some households, but changes to the price cap mean that their default tariffs are now cheaper than standard credit meters.

"With prepayment meters, you pay for your energy before you use it, and while there are emergency provisions, it does mean it is possible to be cut off if you have not put enough money into your account.

"This means that younger consumers and vulnerable people are at greater risk of disconnecting themselves from their energy supply when money is tight.

"Direct debits also allow consumers to spread out their costs evenly throughout the year, meaning bills won't rise significantly in the winter when energy usage is highest."

We've had a mixed mailbag of comments this week - with readers getting in touch about pensions, tipping and divorce among other things.

Following this feature on divorce costs last weekend...

...we had dozens of comments...

So many people must be trapped in abusive relationships. A loan has helped me get away - covering legal costs, paying the bills/mortgage on marital home whilst being unable to stay and finding thousands for a rental. Costs so far about £8k - only one year in and at decree nisi. H

Since broken families are ever more common why isn't the government doing something to help divorcees get back on the housing ladder like first-time buyers are? Countless thousands, despite having the income, are doomed to rent expensive family homes. Men especially! Twice Divorced Of Surrey

Trust me, it costs a whole lot more than £30k, stay away from solicitors, work through it yourself. Toby

When one party will not communicate with the other, this makes the process much more expensive. Around £80k in solicitors and barrister fees. Vbkinguk

Another story that cut through was London restaurant chain Ping Pong scrapping tips - months before new legislation will require restaurateurs to give staff 100%.

Readers don't seem impressed...

Best thing employees and customers can do is boycott them. Just goes to show what they actually think of their staff. Dave

I don't want to eat somewhere that doesn't look after its employees. Jack

I'm sure patrons and staff will vote with their feet! How disgraceful to remove tips, probably as the owners aren't getting any cut of their staff's hard work! Elijah

We've reported extensively on the rise to the state pension this month - including how, due to frozen income tax thresholds, more pensioners will be dragged into paying income tax. Chris seems to be one of those impacted...

I deferred taking my state pension for five years to hopefully boost my pension, because I happened to be the last group of people to get the old state pension. Unfortunately because of the tax band freeze any benefit from the pension uplift is being eroded every year, is this fair? Chris

And finally, on Monday we suggested a cheaper way to buy herbs and spices in the supermarket - by using the world food aisle...

We had this comment...

Best money-saving practice for herbs and spices is to source them at Asian stores - not supermarkets! Pip

Spain is planning to scrap a "golden visa" scheme that grants residency rights to foreigners who make large investments in real estate.

Ending the scheme would help make access to affordable housing "a right instead of a speculative business", Spanish Prime Minister Pedro Sanchez said.

The programme awards non-EU citizens investing at least €500,000 (around £429,000) in Spanish real estate - without taking out a mortgage - a special permit, allowing them to live and work in the country for three years.

In better news for Britons who hope to live abroad, Italy is allowing non-EU citizens who can work remotely to apply for a year-long "digital nomad" visa.

There's a few salary/reference based criteria to meet - read about them here...

Labour this week tried to address questions over how it would pay for key pledges after the Tories used their idea of scrapping the non-dom status to fund a national insurance cut.

Labour had been committed to abolishing non-dom status for years - upon gaining power they planned to use the money to fund breakfast clubs for primary school children and additional appointments in the NHS.

Shadow chancellor Rachel Reeves this week announced the party's plan to raise £5bn a year by the end of the next parliament...

Labour said it would raise £2.6bn by closing "loopholes" in the government's non-doms plan - after certain exemptions were kept in place by Jeremy Hunt;
Labour said the "tax gap" - the difference between the amount of money HMRC is owed and the amount it receives - had widened to £36bn in 2021-22 - £5bn more than it had been the previous year;
To close the gap, Labour said it would invest up to £555m a year in boosting the number of compliance officers at HMRC, increasing productivity and improving the organisation's "dire" customer service;
It would also consider requiring more tax schemes to be registered with HMRC to ensure they are legitimate, and renew the focus on offshore tax compliance.

The government responded by saying: "The Conservatives have introduced over 200 measures to clamp down on tax non-compliance and we are sticking to the plan to strengthen the economy so we can cut taxes, putting £900 in the pockets of the average worker and helping families to build a brighter future."

Shell is weighing up quitting the London Stock Exchange (LSE) for a move to New York over concerns its listing is currently "undervalued".

Chief executive Wael Sawan told Bloomberg that he was mulling "all options".

The British oil and gas giant is currently the largest company in the FTSE 100 index, and its departure from the LSE would be a significant blow to the UK stock market that is fighting to stay relevant.

There's been a run of bad news for the LSE over the past year or so. The world's largest building products manufacturer, CRH, moved to New York, while travel company Tui moved to Frankfurt. And despite the lobbying of numerous prime ministers, UK-based chip company Arm chose the NYSE.

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money.

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

UK lenders have seen a rise in defaults on mortgages and credit cards - with the trend expected to continue in the coming months, according to a survey.

A poll of banks and building societies by the Bank of England reveals lenders reported higher default rates on secured loans and unsecured lending in the three months to the end of February.

The rates for mortgages, credit cards and other loans, as well as loans to small to medium businesses, are all expected to rise in the next quarter.

The BoE carries out the survey every quarter as part of its role to maintain financial stability.

It also revealed increased demand for borrowing, with this also expected to climb during the three months to the end of May.

Karim Haji, global and UK head of financial services at KPMG, said the latest BoE data suggests "a more positive economic outlook hasn't fed through to household finances yet".

"Defaults across all unsecured lending increasing over the same three-month period indicates many people are still struggling to meet their day-to-day costs. Lenders will need to be vigilant and continue to offer support for borrowers in the interim," he said.

By Sarah Taaffe-Maguire , business reporter

Poor software and bias toward making only small, sequential changes is one of the reasons economic forecasters at the Bank of England failed to predict and prepare for the cost of living crisis, brought about by high inflation, according to a "once in a generation" review.

The review announced last year was undertaken by the former head of the US central bank, known as the Fed, and said the quality of the Bank's economic expectations "deteriorated significantly in the past few years" due to out of date software and "excessive incrementalism".

Though the "unusually large forecasting errors" were said to be "probably inevitable", according to the review, conducted by Dr Ben Bernanke.

The problem was not unique to the Bank, rather something all central banks and private forecasters suffered from, it said.

Read the full story here...

After the UK airports with the worst delays were revealed earlier today (see post at 1.15pm), we've been looking at your rights.

If you're unlucky enough to get stuck at an airport due to a flight delay, you may wonder if you're entitled to any compensation.

The good news is you may be - in certain circumstances.

First, it's important to know what flights are covered by consumer law. These are:

Any flight leaving a UK airport
Flights operated by a UK/EU airline arriving at a UK airport
Flights operated by a UK airline only arriving at an EU airport

When will I be entitled to help?

You'll qualify for support if a short-haul flight under 932 miles (1,500km) is pushed back by two hours.

This rises to three hours for journeys up to 2,175 miles (3,500km).

For long-haul flights going any further than this, four hours or longer counts as a significant delay.

What support will I get?

Under UK law, airlines must give passengers who are affected by a delay of at least two hours:

A reasonable amount of food and drink (usually provided in the form of vouchers)
Refunds for the cost of two free phone calls, faxes or emails
Accommodation for passengers stranded overnight (usually in a nearby hotel)
Transport to a hotel - or their home

Will I get compensation?

Usually, airlines have to provide compensation if a person's flight arrives more than three hours late.

The exception to this is when there are air traffic control problems or extreme weather, as these issues aren't their fault.

If you agree to travel on a later flight, the airline is no longer obliged to offer food, drink or accommodation while you wait.

Thankfully, you are entitled to a full refund if you decide to abandon your journey after five hours of delays.

The length of your flight affects how much you are entitled to:

Short-haul flight - £220
Medium-haul flight - £350
Long-haul flight - £520 if the flight arrived more than four hours late, £260 for a delay of between three to four hours

What if I'm about to travel?

Transfer passengers who end up missing a connecting flight because their first plane was delayed are entitled to a service back to their original departure point.

But things get a little more complicated for passengers on package holidays - especially if they decide not to travel on a delayed outbound flight.

The CAA's guidance says: "You may lose your holiday too, so we recommend you contact your package organiser or the airline for further information.

"If you still want to travel then your airline must get you to your destination. You might have to be patient while they rearrange transport and rebook passengers, but the law says they must get you there."

What if my flight is cancelled?

You're entitled to a refund or replacement flight if yours is cancelled. Your rights to assistance are the same as if your flight is delayed.

If the reason for the cancellation was within the airline's control, and it was made with no more than 14 days' notice, then depending on the timings of the new flight offered you could also be entitled to compensation.

You'll be able to claim £110 and £520 depending on the length of the route and timings of the new flight.

Drivers are still feeling the strain of rising insurance premiums - but there are signs of a slowdown, according to one index.

New figures from insights firm Consumer Intelligence suggest the average quoted price of car insurance rose by 56.4% in the year to February.

This was the third-highest annual increase since its records began in 2012 - but in slightly better news for motorists, it marked a lower annual rise than the 67.2% recorded in November.

And there was only a slight rise of 0.5% when looking at the three months to February - the lowest quarterly increased since November 2021.

Drivers most commonly received a quote between £500 and £749 in February, Consumer Intelligence said. It analysed the average of the five cheapest offers from price comparison websites.

Max Thompson, the firm's insurance insight manager, said big insurance brands made "competitive movements" to reduce premiums at the start of the year.

"However, some of this was unwound in February indicating it may have been more of a tactical move than a long-term trend," he added.

Jonathan Fong, manager of general insurance policy at the Association of British Insurers, said insurers were "aware of the financial challenges customers are facing" and were working to keep prices affordable.

"Our motor premium tracker is the only collection based on the price customers pay for their policy, rather than quotes, and shows that the average motor premium increased by 25% last year to £543.

"This was largely driven by above inflation increases in the cost of repairs, thefts and replacement cars."

The Abu Dhabi-backed vehicle that had been on the brink of buying The Daily Telegraph is in detailed talks with Whitehall officials about the structure of an onward sale of the newspaper.

Sky News has learnt that RedBird IMI is negotiating with the Department for Culture, Media and Sport about whether it can convert a call option which constitutes the right to take ownership of the Telegraph and Spectator into shares in the assets prior to their purchase by a new owner.

Read the exclusive story by our City editor Mark Kleinman ...

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Your State's Best Budget Airbnb Worth Staying In

Posted: June 5, 2023 | Last updated: August 5, 2023

When you can’t quite stretch to a 5-star resort or a swanky pool pad, Airbnb has some one-of-a-kind stays for reasonable prices. From tiny houses and log cabins in the mountains to artsy lofts in some of America’s coolest cities and neighborhoods, we’ve found the best Airbnb under $150 in every state and DC. Prices correct at the time of writing and exclude service, cleaning and any other fees.

Beds on a budget

<p>Often named among the top Airbnbs in Alabama, <a href="https://www.airbnb.co.uk/rooms/1004344">this stunning cottage</a> also happens to be $105 a night. The 100-year-old hideaway, just around 15 miles (24km) from Huntsville, is located within the grounds of The Winchester Manor and has many charming details, like antique brick floors. There's plenty of history here too, as the cottage used to be a post office, then served as a doctor's office, and even functioned as a jail. The one-bedroom, open space has a breakfast nook and a kitchen area, as well as a bathroom with a tub and a hot tub outside.</p>

Alabama: The Cottage at The Winchester Manor, New Market

This stunning one-bedroom cottage is one of the prettiest places around – and it also happens to rent for just $115 a night (min two-night stay). The century-old hideaway, around 15 miles (24km) from Huntsville, is located within the grounds of The Winchester Manor and is filled with charming period details like antique brick floors. There's plenty of history here too: the cottage was a post office, later served as a doctor's office and even functioned as a jail.

<p>Known as one of the top places in the world to see the Northern Lights, Fairbanks is a brilliant destination for a wintry getaway – and where better to enjoy it to the max than a rustic log cabin in the woods? <a href="https://www.airbnb.co.uk/rooms/6291833">This cozy Alaskan cabin</a> costs $86 a night and requires a minimum two-night stay. Located five miles (8km) from downtown Fairbanks, it's surrounded by walking trails and wildlife viewing points. Inside there's everything you need to enjoy a magical stay in this snowy landscape, too, from plenty of kitchen appliances to a large bedroom on the top floor. </p>

Alaska: log cabin, Fairbanks

Known as one of the top places in the world to see the Northern Lights, Fairbanks is a brilliant destination for a wintry getaway – and where better to enjoy it to the max than a rustic log cabin in the woods? This cozy one-bedroom cabin costs $100 a night with a minimum two-night stay. Located five miles (8km) from downtown Fairbanks, it's surrounded by walking trails and wildlife viewing points.

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<p>Located in central Tucson with a view to the north of the Catalina Mountains, <a href="https://www.airbnb.co.uk/rooms/29280682">this studio</a> has a private walled patio and offers access to a secure parking space. Downtown Tucson is only 20 minutes away, however, there are plenty of shops, bars and restaurants nearby the studio as well. (Be sure to check the opening status of individual outlets before you venture out.) Available to book for $65 a night, the Airbnb itself has a luxury double bed, a full bath and a well-appointed kitchenette. </p>

Arizona: The Hummingbird, Tucson

Located in central Tucson with a view to the north of the Catalina Mountains, this cute studio has a private walled patio and comes with a secure parking space. Downtown Tucson is a short drive away and there are plenty of shops, bars and restaurants close to the studio as well. Available to book for $73 a night, the Airbnb comes with a luxury double bed, bathtub and kitchenette.

<p>Escape to the wilderness with <a href="https://www.airbnb.co.uk/rooms/584923908402382350?adults=2&check_in=2023-02-15&source_impression_id=p3_1671541021_UvSy2R9XpUG%2FOdyF&guests=1&check_out=2023-02-16">this rustic tiny home</a>, which was hand-built on the outskirts of Huntsville, a city known for its somber Civil War history. Ideal for nature lovers, the off-grid cabin is perched beside a spring-fed creek and surrounded by hiking and biking trails. It's powered by solar panels, with a propane cooktop, small fridge and basic cooking utensils, plus a bed surrounded by windows onto the wild. It'll set you back $99 per night. </p>

Arkansas: tiny home, Huntsville

Escape to the wilderness with this rustic tiny home , which was hand-built on the outskirts of Huntsville, a city known for its somber Civil War history. Ideal for nature lovers, the off-grid cabin is perched beside a spring-fed creek and surrounded by hiking and biking trails. It's powered by solar panels, with a propane cooktop, small fridge and basic cooking utensils, plus a bed surrounded by windows onto the wild. It'll set you back $99 per night.

<p>Available from $75 a night, <a href="https://www.airbnb.co.uk/rooms/25582563">this studio</a> instantly charms with its secluded location and large patio, perfect for enjoying the stunning views surrounding the property. It's within an hour's drive of Palm Springs, San Diego and <a href="https://www.nps.gov/jotr/index.htm">Joshua Tree National Park</a>, too, so there's plenty to see beyond the spectacular suite. Note that some visitor center exhibits at Joshua Tree are <a href="https://www.nps.gov/jotr/planyourvisit/conditions.htm">temporarily closed</a> and, due to COVID-19, you should check the opening status of individual city attractions before setting out. </p> <p><strong><a href="https://www.loveexploring.com/guides/87869/explore-palm-springs-the-top-things-to-do-where-to-stay-and-what-to-eat">Discover more about what to see in Palm Springs with our area guide</a></strong></p>

California: private suite, Riverside

Available from $82 a night, this en suite studio is a real charmer thanks to its breezy decor, secluded location and large private patio, perfect for enjoying the stunning city and mountain views surrounding the property. It's within an hour's drive of Palm Springs, San Diego and Joshua Tree National Park too, so there's plenty to see beyond the spectacular suite.

Discover more things to see in Palm Springs with our area guide

<p>For those who want to combine a break in exciting <a href="https://www.denver.org/">Denver</a> with a peaceful escape, <a href="https://www.airbnb.co.uk/rooms/35520755?check_in=2021-01-11&check_out=2021-01-14&source_impression_id=p3_1605531528_ANu6LJJtIzU20gJc">this plant-filled suite</a> is sure to deliver. It's had the touch of an interior designer, so visitors can expect a super sleek space decked out with chic furniture and artworks, plus a patio with a firepit and a cute dining area. Throw in a great location – close to downtown Denver with epic mountain views – and this Airbnb (available from $84) is a winner.</p>

Colorado: guest suite, Denver

For those who want to combine a break in exciting Denver with a peaceful escape, this plant-filled suite must be the place. It's had the touch of an interior designer so visitors can expect a super-sleek space decked out with chic furniture and artworks, plus a patio with a fire pit and a cute dining area. Throw in a great location – close to downtown Denver with epic mountain views – and this Airbnb, available from $85 a night, is a winner.

<p><a href="https://www.airbnb.co.uk/rooms/46257093?adults=2&check_in=2023-01-17&source_impression_id=p3_1671544753_8X83bNzUv6kxSpGV&guests=1&check_out=2023-01-26">This little and stylish urban retreat</a> will feel like a home from home. The apartment is tucked away in the garden of a family home in the well-heeled Westville neighborhood of New Haven, a city known for Yale University and its world-class associated museums. Comfort is a top priority here – expect rugs covering the wood floors, cushions strew on the couch and plenty of books. The place goes for from $85 per night and there's a two-night minimum. </p>

Connecticut: urban sanctuary, New Haven

This little and stylish urban retreat will feel like a home from home. The apartment is tucked away in the garden of a family home in the well-heeled Westville neighborhood of New Haven, a city known for Yale University and its world-class associated museums. Comfort is a top priority here – expect rugs covering the wood floors, cushions strew on the couch and plenty of books. The place goes for from $85 per night and there's a two-night minimum.

<p>Set in a beautiful organic farm and garden, <a href="https://www.airbnb.co.uk/rooms/17841617?_set_bev_on_new_domain=1572538732_q7Esy90MO2taRBIr&source_impression_id=p3_1572540536_SxKhX7bdFt7zZvwN">this custom-built tiny house</a> is quite possibly Delaware's cutest Airbnb. Inside you'll find everything you need to spend a comfortable night here, including a lofted bed, bathroom with a shower and a fully functioning kitchen, while outside there's a private deck area. Located just four miles (6.4km) from Bethany Beach, this Airbnb is available to book from $99 a night.</p>

Delaware: tiny house, Ocean View

Set within a beautiful organic farm and garden, this custom-built tiny house is quite possibly Delaware's cutest Airbnb. Inside you'll find everything you need to spend a comfortable night here, including a loft bed, bathroom with shower and a fully functioning kitchen, while outside there's a private deck area. Located just under five miles (8km) from Bethany Beach and with a popular market and restaurant on the grounds, this Airbnb is available to book from $104 a night.

<p>This <a href="https://www.airbnb.co.uk/rooms/17944042">self-contained suite</a>, in an early 20th-century townhouse between Washington DC’s vibrant Columbia Heights and Park View neighborhoods, has a near-perfect rating on Airbnb – and it’s an absolute bargain at around $95 a night. You get a lot for the money, with a separate bedroom with queen bed and a living space with cozy sofa and well-equipped kitchenette. It has desk space and is accessed via its own entrance too.</p>

District of Columbia: guest suite, Washington DC

This self-contained suite , in an early 20th-century townhouse between Washington DC’s vibrant Columbia Heights and Park View neighborhoods, has a near-perfect rating on Airbnb – and it’s an absolute bargain at around $97 a night. You get a lot for the money, with a separate bedroom with a queen bed, plus a living space with a cozy sofa and well-equipped kitchenette. It has desk space and is accessed via its own entrance too.

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<p>Located just a 15-minute walk from the beach in Biscayne Park, just outside Miami, <a href="https://www.airbnb.co.uk/rooms/4293449">this oh-so-pretty cottage</a> is surrounded by charming tropical gardens and comes with use of the owners’ pool and cabana. Available from around $100 per night with a three-night minimum stay, the cottage has free parking and is beautifully furnished inside. It comes with a microwave and refrigerator, and windows frame views of the palm-tree-filled garden.</p>

Florida: cozy cottage, Biscayne Park

Located just a 15-minute walk from the beach in Biscayne Park, just outside Miami, this oh-so-pretty cottage is surrounded by charming tropical gardens and comes with use of the owners’ pool and cabana. Available from around $130 per night with a three-night minimum stay, the cottage has free parking and is beautifully furnished inside. It comes with a microwave and fridge, and windows frame views of the palm-tree-filled garden.

<p>It doesn't get much more Savannah than this. Many elegant townhouses line the city's bricked, Spanish-moss draped streets, and <a href="https://www.airbnb.co.uk/rooms/22412416?check_in=2020-12-14&check_out=2020-12-16&source_impression_id=p3_1605520605_DkW13pHnpULsR67U">this super chic apartment</a> is tucked into one of them. Dating to the 1870s, it's right in the Historic District, a stone's thrown from the famous Forsyth Park, and boasts an idyllic courtyard with a firepit, plus bare brick walls and fireplaces. It's possible to stay here for $88 per night. </p>

Georgia: garden apartment, Savannah

It doesn't get much more Savannah than this. Many elegant townhouses line the city’s bricked, Spanish-moss draped streets, and this chic apartment is tucked into one of them. Built in 1872, it's right in the Historic District and a stone's throw from the famous Forsyth Park. A highlight of the apartment is the idyllic courtyard with fire pit, while the inside is all charm with bare brick walls and fireplaces. It's possible to stay here for $98 per night (with a two-night minimum).

<p>A totally wild getaway hidden in a tropical rainforest, <a href="https://www.airbnb.co.uk/rooms/20151984">this one-bedroom treehouse</a> can be booked from just $110 per night. A place to kick back or a base for the nearby natural wonders, the house is set in a peaceful off-grid spot. Great for couples or solo adventurers, it's eight miles (13km) from the <a href="https://www.nps.gov/havo/index.htm">Big Island's Hawai'i Volcanoes National Park</a> (note that some visitor services here are <a href="https://www.nps.gov/havo/planyourvisit/conditions.htm">currently unavailable</a>) and 21 miles (34km) from the Rainbow Falls.</p>

Hawaii: rainforest treehouse, Volcano Village

A totally wild getaway hidden in a tropical rainforest, this one-bedroom treehouse can be booked from $135 per night. A place to kick back or a base for exploring the Big Island’s natural wonders, the house is set in a serene off-grid spot that’s nevertheless within an easy distance of top attractions. It’s a short drive to the entrance of Hawai'i Volcanoes National Park and 21 miles (34km) to Waianuenue (or Rainbow) Falls.

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<p>For something a little bit different, book <a href="https://www.airbnb.co.uk/rooms/14837261">this stunning yurt</a> for just $65 a night – located in Boise, it's the perfect stop on a classic American road trip. Complete with plush furnishings, it also boasts an indoor fireplace, an outdoor fireplace and a pergola with a table, plus all the little essentials you might need during your stay. </p>

Idaho: urban yurt, Boise

For something a little bit different, you can book this stunning yurt from just $62 a night. Located in Boise, it's the perfect place to stay while on a classic American road trip or city break. The compact space comes complete with plush furnishings, indoor and outdoor fireplaces and a pergola with a table. It sleeps up to six people with a queen bed and two sofa beds, plus a cot, so is a great choice for families or groups who don’t mind the lack of walls.

<p>Conveniently located for guests arriving via Chicago O'Hare International Airport, <a href="https://www.airbnb.co.uk/rooms/plus/29392758">this studio flat</a> has been lovingly redesigned with elegant vintage pieces and reclaimed wood furnishings. Located between Old Irving and Kilbourn Park, it's set in one of Chicago's most historic neighborhoods, and there are plenty of great restaurants, bars and craft beer taverns nearby – just be sure to check their opening status before you venture out. The bolthole is available to book from $70 a night. </p>

Illinois: studio apartment, Chicago

Conveniently located for guests arriving into Chicago O'Hare International Airport, this bright and cozy studio flat has been lovingly designed with elegant vintage pieces and reclaimed wood furnishings. It's located between Old Irving and Kilbourn Park, and there are plenty of great restaurants, bars and craft beer spots nearby. The bolthole is available to book from around $52 a night, with a two-night minimum.

<p>This <a href="https://www.airbnb.co.uk/rooms/53309561/">cute carriage house</a> is located in quaint Jeffersonville, close to downtown Louisville yet with lovely quiet, neighborhood feel. The space is completely self-contained with a prettily decorated bedroom, open-plan kitchen and living space and bright bathroom. There’s also a sofa bed, so it can sleep up to three people. Best of all, prices start at just $75 a night.</p>

Indiana: Sabai Sabai, Jeffersonville

This cute carriage house is located in quaint Jeffersonville, close to downtown Louisville yet with a lovely quiet, neighborhood feel. The space is completely self-contained with a prettily decorated bedroom, open-plan kitchen and living space and bright bathroom. There’s also a sofa bed, so it can sleep up to three people. Best of all, prices start at just $66 a night.

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<p>You may have to pinch yourself when you see the price of this frankly adorable Airbnb. The <a href="https://www.airbnb.co.uk/rooms/39036610">renovated 1900s cottage</a> can be rented from just $39 a night and sleeps up to seven guests (the price goes up a little for more than three guests but it’s still a bargain). The space, with two bedrooms plus a living space with sofa and airbed, is beautifully furnished and decorated in a cozy, rustic style and it’s perfectly located near Drake University and with restaurants and coffee shops nearby.</p>

Iowa: cute cottage, De Moines

You may have to pinch yourself when you see the price of this frankly adorable Airbnb. The renovated 1900s cottage can be rented from just $40 a night and sleeps up to seven guests (the price goes up a little for more than three guests but it’s still a bargain). The space, with two bedrooms plus a living space with sofa and airbed, is beautifully furnished and decorated in a cozy, rustic style and it’s perfectly located close to Drake University and with restaurants and coffee shops nearby.

<p>A snug, second-floor studio, <a href="https://www.airbnb.co.uk/rooms/16206355">this Airbnb</a> is a bright and modern place to stay located in Strawberry Hill, an eclectic area of Kansas City. Available to book from $56 a night, it's a sleek space – think clean lines and minimalist wooden furniture – with everything you might need to enjoy your city break, including a kitchenette, a comfy living area and a private deck.</p>

Kansas: minimalist studio, Kansas City

This snug, second-floor studio is a bright and modern place to stay located in Strawberry Hill, an eclectic neighborhood in Kansas City. Available to book from around $77 a night, it’s a sleek space – think clean lines and minimalist wooden furniture – with everything you might need including a kitchenette, a comfy living area and a generous private deck.

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<p>A one-bedroom, pre-war house, <a href="https://www.airbnb.com/rooms/plus/32334811">this brilliant Airbnb</a> has downtown museums and the areas of NuLu and Market Street right on the doorstep, making it one of the best places to stay in Louisville. Decorated with retro accents, this accommodation has plenty of character with exposed brickwork, street art and snazzy tilework in the bathroom. The house also benefits from a furnished private patio and is available to book from $93.</p>

Kentucky: historic house, Louisville

Everything about this one-bedroom home , in a historic parsonage, is joyous. It’s a riot of retro detail, color and pattern – keeping just the right side of busy – from the bold living room and cute kitchen to the bright white bedroom with quirky wall art. The location, with downtown museums and the areas of NuLu and Market Street right on the doorstep, is top-notch too. Throw in a furnished private patio and the price – from $113 a night – seems like a bit of a bargain.

<p>You'd be forgiven for thinking you'd booked into a library when you set foot in this <a href="https://www.airbnb.co.uk/rooms/914617?source_impression_id=p3_1572607474_yvspvKt%2FTdcxxf%2BM">quirky room</a> at the top of the Parks-Bowman mansion in the heart of the Garden District. Featuring a grand, antique cypress queen-size bed, 60-inch TV, mini-fridge, private marble bathroom and balcony, this book lovers' paradise is an exercise in luxury. It sleeps two people from $95 a night.</p> <p><strong><a href="https://www.loveexploring.com/guides/74898/explore-new-orleans-the-top-things-to-do-where-to-stay-what-to-eat">Discover what to see in the Big Easy with our city guide</a></strong></p>

Louisiana: the library room, New Orleans

You might wonder if you’ve accidentally booked a stay in a library when you set foot in this quirky room at the top of the Parks-Bowman Mansion, located in the heart of New Orleans’ upscale Garden District. Featuring an antique cypress queen-size bed, it’s a book lovers’ paradise with floor-to-ceiling shelves, dark wood accents and a cozy chair to curl up in. Though it’s a room rather than an entire property, it does have a balcony, private bathroom, TV and fridge. It sleeps two people from $109 a night.

<p>A short stroll from Pine Point beach just south of Portland, <a href="https://www.airbnb.co.uk/rooms/19399182">this cute one-bed studio apartment</a> has its own entrance, en suite bathroom and kitchenette. Guests can also hang out on the covered porch and make use of outdoor picnic tables and grills. With such a glorious setting, great restaurants nearby and Portland just a 15-minute drive away, it’s a bargain at $49 a night.</p> <p><a href="https://www.loveexploring.com/gallerylist/65948/these-are-americas-coolest-neighbourhoods"><strong>These are America’s coolest neighborhoods</strong></a></p>

Maine: beach retreat, Scarborough

A short stroll from Pine Point beach just south of Portland, this cute one-bed studio apartment has its own entrance, en suite bathroom and kitchenette. Guests can also hang out on the covered porch and make use of outdoor picnic tables and grills. With such a glorious setting, great restaurants nearby and Portland just a 15-minute drive away, it’s a bargain at $64 a night.

<p>Crammed full of artworks and sculptures created by the host himself, <a href="https://www.airbnb.co.uk/rooms/plus/18460421">this Airbnb</a> is more reminiscent of an exhibition space than the one-bedroom flat it actually is. Located in the cosmopolitan Eastport neighborhood of <a href="https://www.visitannapolis.org/">Annapolis</a>, it's close to restaurants, bars and pubs (check the opening status of venues to avoid disappointment), while Washington DC and Baltimore are both within easy reach as well. It'll cost you from $78 to spend a night here.</p>

Maryland: art-filled flat, Annapolis

Crammed full of artworks and sculptures created by the host himself, this Airbnb feels like an exclusive exhibition space. Located in the cosmopolitan Eastport neighborhood of Annapolis, the one-bedroom flat is close to restaurants, bars and pubs, and it’s easy to travel to Washington DC and Baltimore too. It'll cost you from just $98 to spend a night here (based on a two-night minimum stay).

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<p>The white-washed, clapboard exterior of <a href="https://www.airbnb.co.uk/rooms/52637126?adults=2&check_in=2023-01-23&source_impression_id=p3_1671553113_VFuYmFWEV92ISv9o&guests=1&check_out=2023-01-28">this apartment</a> charms from the get-go and once you're inside, you're greeted with bright rooms decked in calming blue tones (fitting for the location, which is a stone's throw from the water). It's set over two floors and is a convenient location from which to explore bohemian Provincetown, with its many arts spaces, indie shops and night spots. Prices start from $80 per night. </p>

Massachusetts: water-view apartment, Provincetown

The white-washed, clapboard exterior of this apartment charms from the get-go and once you're inside, you're greeted with bright rooms decked in calming blue tones (fitting for the location, which is a stone's throw from the water). It's set over two floors and is a convenient location from which to explore bohemian Provincetown, with its many arts spaces, indie shops and night spots. Prices start from $80 per night.

<p>Plonked in <a href="https://visitdetroit.com/">Detroit</a>'s buzzy Midtown, with its arts spaces and independent shops, <a href="https://www.airbnb.co.uk/rooms/39149819?check_in=2021-01-04&source_impression_id=p3_1605516486_DOCkUD1by5%2FI6BUo&guests=1&adults=1&check_out=2021-01-06">this Airbnb</a> describes itself as a "bastion for the bold and the daring". The main building is hard to miss, decorated with striking murals and pink and yellow stripes, and the condo itself (which you'll have all to yourself) is filled with jazzy rugs and bright canvases, plus all the essentials. It's moments from the Q-line (Detroit's streetcar network) too and is available for as little as $67 per night. </p>

Michigan: artistic condo, Detroit

Dazzling in Detroit's buzzy Midtown, a neighborhood known for its arts spaces and independent shops, this Airbnb is marketed as "a bastion for the bold and the daring". The main building is hard to miss, decorated with striking murals and pink and yellow stripes, and the condo itself is filled with jazzy rugs and bright canvases, plus all the essentials. It's right by the Q-line (Detroit's streetcar network) and is available for as little as $48 per night.

<p>Occupying the first level of a historic corner-store house in northeast <a href="https://www.minneapolis.org/">Minneapolis</a>, <a href="https://www.airbnb.co.uk/rooms/16704400">this one-bedroom flat</a> is located in the city's Arts District with plenty of cafés, restaurants and bars nearby (check ahead before visiting). The sunlight-filled flat also offers access to a stunning backyard, and has a fully equipped kitchen, large dining and living area and a cozy bedroom, as well as a large bathroom with a bathtub. It's available to book for $78 a night. </p>

Minnesota: bright storefront home, Minneapolis

Occupying the first level of a historic corner-store house in north-east Minneapolis, this one-bedroom flat is located in the city's Arts District with plenty of cafés, restaurants and bars nearby. The sunlight-filled flat also offers access to a stunning backyard and has a fully equipped kitchen, large dining and living area and a cozy bedroom, as well as a large bathroom with a bathtub. It's available to book for $104 a night.

<p>Soak up some Southern scenery with <a href="https://www.airbnb.co.uk/rooms/20245881?adults=2&check_in=2023-02-20&source_impression_id=p3_1671554450_vKfZsNyi%2FPWqiuWv&guests=1&check_out=2023-02-25">this lakeside escape</a> in central Mississippi. There's room for five guests in the spacious wooden cabin, complete with a living room, kitchen, covered porches and a picnic table on the deck. You're also located right on a private lake, and you can take to the water on the pedal boat or kayak provided. Prices typically begin at $100 per night.</p>

Mississippi: lakeside hideaway, Forest

Soak up some Southern scenery with this lakeside escape in central Mississippi. There's room for five guests in the spacious wooden cabin, complete with a living room, kitchen, covered porches and a picnic table on the deck. You're also located right on a private lake, and you can take to the water on the pedal boat or kayak provided. Prices typically begin at $100 per night.

<p>Centrally located in downtown St Louis, <a href="https://www.airbnb.co.uk/rooms/plus/20933383">this stunning penthouse</a> loft features an open layout, large windows letting in plenty of light and a very modern and minimalist design with exposed brick walls and colorful accents adding a final flourish. The one-bedroom home is available to book from $60 a night and has a full kitchen, bathroom and an open-plan living and dining area. It's worth noting that the marble tulip kitchen table was designed by the same people who worked on the famous St Louis Arch. Love this? Now check out <a href="https://www.loveexploring.com/gallerylist/73091/the-most-stunning-airbnb-in-every-state-and-dc-2020">the most beautiful Airbnb in every state and DC</a>.</p>

Missouri: penthouse loft, St Louis

Centrally located in downtown St Louis, this stunning penthouse loft features an open layout, large windows letting in plenty of light and a modern, minimalist design with exposed brick walls and colorful accents adding a final flourish. The one-bedroom home also has a full kitchen, bathroom and an open-plan living and dining area, whose marble tulip table was designed by Eero Saarinen, the architect behind the city’s famous Gateway Arch. Considering all this, it's a bargain at around $100 a night.

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<p>Tipping itself as "the ultimate destination for social distancing", this <a href="https://www.airbnb.co.uk/rooms/8582482">remote one-room cabin</a> in Darby is perfect for enjoying the great outdoors in Big Sky Country. Oozing rustic charm, the cabin has a wood-burning fireplace and a private deck with seating. It's available for $82 a night and it sits on 10 acres of forested land, meaning there's ample opportunity for outdoor activities like hiking, biking and fishing too. You can find our pick of other <a href="https://www.loveexploring.com/gallerylist/98871/americas-best-remote-airbnbs-to-escape-to">fabulous and remote Airbnbs in America</a> too. </p>

Montana: rustic log cabin, Darby

This remote one-room cabin in Darby is perfect for enjoying the great outdoors in Big Sky Country. Oozing rustic charm, the cabin has a wood-burning fireplace and a private deck with seating. It’s available for around $97 a night and it sits on 10 acres of forested land, so there’s ample opportunity for outdoor activities like hiking, biking and fishing too.

<p>Visitors can embrace country chic in this gorgeous downtown farmhouse. The <a href="https://www.airbnb.co.uk/rooms/28487099">one-bedroom home</a> is located just off the highway, and is a short bike ride (complimentary bikes courtesy of the owners) from Omaha's Old Market. The deck is perfect for romantic dinners while the master bedroom features a comfy king size bed, too. Available from $68 a night, this farmhouse home grants easy access of all the top Omaha spots, including <a href="http://www.omahazoo.com/">the zoo</a> (you can make a timed booking up to eight days before you visit) and <a href="https://www.blackstonedistrict.com/">the Blackstone District</a>. </p>

Nebraska: downtown farmhouse, Omaha

Visitors can embrace country chic in this gorgeous downtown farmhouse. The one-bedroom home is located just off the highway, close to attractions including the zoo and, with bikes provided for guests’ use, a short ride from Omaha's Old Market neighborhood. There are extra beds so it can sleep up to five if you’re traveling as a group, though it’s also wonderfully romantic with a generous deck and plush master bedroom. It’s typically available from around $120 a night.

<p>Visitors can leave the shiny city lights behind and enjoy the tranquillity of the Mojave Desert at <a href="https://www.airbnb.co.uk/rooms/16585224">this tiny home</a> located in Sandy Valley. Available to book for $100 a night (bookings for a week or more get a 10% discount), the tiny house has a full bathroom, a comfortable queen-size bed and a stove, however, meals can typically be arranged to be served in the main house (check with the host for current availability). The house also has a rooftop patio for enjoying the colorful desert sunrises and sunsets.</p>

Nevada: The Peacock, Sandy Valley

Visitors can swap the neon lights of Las Vegas for the night skies of the Mojave Desert with a stay at this tiny home located in Sandy Valley, around an hour’s drive from Sin City. Available to book for $135 a night and with discounts on longer stays, the house crams in a full bathroom, a queen-size bed and a stove. Meals can sometimes be arranged to be served in the main ranch house too – check with the host. The Peacock, as it’s named, also has a rooftop patio for enjoying the desert sunrises, sunsets and starry nights.

<p>Promising "all the splendor of the countryside, with modern conveniences", <a href="https://www.airbnb.co.uk/rooms/37833221?adults=2&check_in=2023-01-30&source_impression_id=p3_1671613372_GdyxzhpeQyX06tpM&guests=1&check_out=2023-02-02">this renovated farmhouse studio</a> in the White Mountains feels like a true rural retreat. It's chic yet rustic inside, with wooden beams, hardwood floors and farm-themed artwork and it's set within acres of fields and woodland. There's room for two, and you'll have access to a full kitchen, queen-sized bed and generous bathroom. The price is $90 per night with a two-night minimum.</p>

New Hampshire: White Mountains flat, Campton

Promising "all the splendor of the countryside, with modern conveniences", this renovated farmhouse studio in the White Mountains feels like a true rural retreat. It's chic yet rustic inside, with wooden beams, hardwood floors and farm-themed artwork and it's set within acres of fields and woodland. There's room for two, and you'll have access to a full kitchen, queen-sized bed and generous bathroom. The price is $90 per night with a two-night minimum.

<p>Wake up to expansive ocean views as you open the curtains of <a href="https://www.airbnb.co.uk/rooms/34945530">this studio flat</a> located on the 26th floor. For $88 a night you'll get a queen-size bed, a small kitchenette, a swish bathroom and a picture window spanning the whole length of the wall. It's also conveniently located for all of the top <a href="https://www.atlanticcitynj.com/">Atlantic City attraction</a>s, including the boardwalk and the casinos – check ahead to see <a href="https://www.atlanticcitynj.com/explore/">what's open right now</a>. </p>

New Jersey: oceanfront condo, Atlantic City

Wake up to expansive ocean views as you open the curtains of this studio flat located on the 26th floor. For around $138 a night you'll get a queen-size bed, a small kitchenette, a swish bathroom and picture windows spanning the whole wall and filling the room with the soft blue-gray of the water. There’s even a shared pool, hot tub, gym and steam room available for guests’ use. If you can tear yourself away, the studio is conveniently close to the boardwalk and casinos.

<p>It’s a bit of a journey up to <a href="https://www.airbnb.co.uk/rooms/5252616">Casa Canoncito</a>, an off-grid apartment up in the mountains over Albuquerque that costs around $89 a night. The one-bedroom property, which can sleep up to four and comes with its own kitchen and patio, is accessed via a private road and is part of a community of solar-powered houses. The views are glorious, as you might expect, taking in surrounding peaks and stretching down to the city, whose center is around a 20-minute drive away.</p>

New Mexico: Casa Canoncito, Albuquerque

It’s a bit of a journey up to Casa Canoncito , an off-grid apartment up in the mountains over Albuquerque that costs around $89 a night. The one-bedroom property, which can sleep up to four and comes with its own kitchen and patio, is accessed via a private road and is part of a community of solar-powered houses. The views are glorious, as you might expect, taking in surrounding peaks and stretching down to the city, whose center is around a 20-minute drive away.

Discover America's most beautiful mountain towns

<p>Nothing's more authentically <a href="https://www.nycgo.com/">New York</a> than staying in an original brownstone loft with an exposed brick wall. Located in one of Brooklyn's most historic areas, home to many authentic brownstone buildings, <a href="https://www.airbnb.co.uk/rooms/17339881">the studio</a> is surrounded by great restaurants and bars (opening times may vary due to COVID-19) and is within easy reach of subway lines A and G that connect Brooklyn with Manhattan. The studio also has a beautifully renovated bathroom and kitchen with stainless steel appliances and can be booked for $120 per night.</p>

New York: brownstone studio, New York City

What could be more New York than staying in an original brownstone loft with an exposed brick wall? Located in one of Brooklyn's most historic areas, the studio is within walking distance of great restaurants and bars and close to subway lines connecting Brooklyn with Manhattan. The gorgeous space also has a beautifully renovated bathroom and kitchen with stainless steel appliances, and can be booked for $130 a night with a minimum three-night stay.

<p>This <a href="https://www.airbnb.co.uk/rooms/25139723">private room in an eco house</a> couldn’t be in a better location for guests wanting to explore Charlotte: it’s just a few minutes’ walk from the city’s Art & Entertainment District, packed with highly rated restaurants, bars and places to catch live music. You get a little more than a room for your $58 a night too, as the suite has exclusive use of a bathroom and kitchenette, plus access to the shared kitchen, dining and living areas and backyard patio, which leads to a wooded creek.</p>

North Carolina: guest suite, Charlotte

This private room in an eco house couldn’t be in a better location for guests wanting to explore Charlotte: it’s just a few minutes’ walk from the city’s Art & Entertainment District, packed with highly rated restaurants, bars and places to catch live music. You get a little more than a room for your $64 a night too, as the suite has exclusive use of a bathroom and kitchenette, plus access to the shared kitchen, dining and living areas and backyard patio, which leads to a wooded creek.

<p>Priced just $99 a night and sleeping up to six guests, <a href="https://www.airbnb.co.uk/rooms/45250377/">this home</a> is something of a bargain. Described by the owners as their "happy place", it’s definitely cheerful with each room charmingly filled with color and pattern. Unique details include a custom-made barn door, color-changing LED light strips around the house and a Ms. Pac-Man arcade games machine. One of the bedrooms is even ‘hidden’ behind door disguised as a shelf (pictured).</p>

North Dakota: Lamppost 15, Bismarck

Priced just $105 a night and sleeping up to six guests, this home is something of a bargain. Described by the owners as their "happy place", it’s definitely cheerful with each room charmingly filled with color and pattern. Unique details include a custom-made barn door, color-changing LED light strips around the house and a Ms. Pac-Man arcade games machine. One of the bedrooms is even ‘hidden’ behind a door disguised as a shelf (pictured).

<p>Those looking to escape the city need look no further than this unique A-frame home called <a href="https://www.airbnb.co.uk/rooms/22995081">The Triangle</a>. Able to accommodate four guests, it comes complete with a wood-burning stove, exposed beams throughout and small terraces on both levels. The quaint village of West Farmington has several local produce shops (it's recommended you call ahead before visiting), while the surrounding landscape is fantastic for relaxing nature walks. The bolthole is available to book from $86 a night.</p>

Ohio: The Triangle, West Farmington

Those looking to escape the city need look no further than this unique A-frame home, aptly named The Triangle . With room for up to four guests, it comes complete with a wood-burning stove, exposed beams throughout and small terraces on both levels. The quaint village of West Farmington has several local produce shops, while the surrounding landscape is fantastic for relaxing nature walks. The bolthole is available to book from around $100 a night.

<p>Completely remodeled in 2018, <a href="https://www.airbnb.co.uk/rooms/29707806">this beautiful three-bedroom bungalow</a> in The Village is located within minutes of everything <a href="https://www.visitokc.com/">Oklahoma City</a> has to offer (<a href="https://www.visitokc.com/updates/">check for city-wide updates here</a>). Available to book from $95 a night, the cozy three-bedroom home itself has a fully equipped kitchen, a large parking space and a private backyard. It's super stylish, too, with pillowy blue chairs, a brick fireplace and hardwood floors. </p>

Oklahoma: stylish bungalow, The Village

Completely remodeled in 2018, this beautiful three-bedroom bungalow in The Village is close to the shores of Lake Hefner and within minutes of everything Oklahoma City has to offer. Available to book from $90 a night, the cozy home itself has a fully equipped kitchen and a private backyard, plus it comes with a parking space. It's super stylish too, with plush blue chairs, a brick fireplace and hardwood floors.

<p>Make the most of Southern Oregon's wine country with a trip to <a href="https://www.airbnb.co.uk/rooms/8243450?adults=2&check_in=2023-06-12&source_impression_id=p3_1671614042_3I%2BO%2BzENJi1sICqL&guests=1&check_out=2023-06-13">this stylish yurt</a> in Applegate Valley, known for its lavender fields, farms and vineyards. The yurt is set on an equestrian property, which sprawls out for five acres, and it's got plenty of creature comforts, including a hot tub, a private and plumbed-in bathroom, and some kitchen essentials like a microwave and mini fridge. A complimentary Continental breakfast is provided too. It'll set you back $92 per night. </p>

Oregon: Applegate Valley yurt, Grants Pass

Make the most of Southern Oregon's wine country with a trip to this stylish yurt in Applegate Valley, known for its lavender fields, farms and vineyards. The yurt is set on an equestrian property, which sprawls out for five acres, and it's got plenty of creature comforts, including a hot tub, a private and plumbed-in bathroom, and some kitchen essentials like a microwave and mini fridge. A complimentary Continental breakfast is provided too. It'll set you back $92 per night.

<p>Located in a quiet 1960s neighborhood just outside of Philadelphia, <a href="https://www.airbnb.co.uk/rooms/plus/21935064">this studio</a> is perfect for those looking to relax and unwind after a day in the city. The newly renovated space has a sliding barn door leading to a European-style bathroom with a large custom tiled shower, exposed beams and other original touches. The Airbnb, from $75 per night, has a king bed in the bedroom area and a kitchenette with a cute dining space for two.</p>

Pennsylvania: renovated studio, Media

Located in a quiet 1960s neighborhood just outside of Philadelphia, this studio is perfect for those looking for somewhere to relax and unwind after a day exploring the city. The recently renovated space has a sliding barn door leading to a bathroom with a large custom-tiled shower and exposed beams. The Airbnb, from $117 per night, has a king-size bed plus a kitchenette with a cute dining space for two.

We wish these hotels were still open

<p>Spread out on the second floor of a beautiful Greek Revival house, <a href="https://www.airbnb.co.uk/rooms/4256677">this cozy loft</a> in Rhode Island is available for $82 a night. The open-plan apartment comes with a king-sized bed, fully equipped kitchen and all the essentials, and is conveniently located in central Providence. History buffs will also appreciate the fact that the house it's tucked away in dates back to 1852. Now discover <a href="https://www.loveexploring.com/galleries/90495/americas-most-charming-historic-downtowns?page=1">America's most beautiful and historic downtowns</a>. </p>

Rhode Island: cosy loft, Providence

Spread out on the second floor of a beautiful Greek-Revival style house, this cozy loft in Providence is available for around $70 a night. The open-plan apartment has a king-sized bed, fully equipped kitchen and a deck with outdoor grill and is conveniently located close to downtown attractions. History buffs will appreciate the fact that the building it’s tucked away in dates back to 1852.

<p>Part of Myrtle Beach's Sea Mist Resort, <a href="https://www.airbnb.co.uk/rooms/780669169431947784?adults=2&check_in=2022-12-26&source_impression_id=p3_1671614687_0iSU1PCgq1gYtV9J&guests=1&check_out=2022-12-28">this sophisticated studio</a> plants you right at the water's edge, with glass balcony doors that frame the sea views. Everything is washed in whites and neutrals, and there's a coffee bar, comfy sofa and room for two. Best of all, you'll step out from your room, right on to the beach. It's a steal, with prices from just $40 per night. </p>

South Carolina: oceanfront studio, Myrtle Beach

Part of Myrtle Beach's Sea Mist Resort, this sophisticated studio plants you right at the water's edge, with glass balcony doors that frame the sea views. Everything is washed in whites and neutrals, and there's a coffee bar, comfy sofa and room for two. Best of all, you'll step out from your room, right on to the beach. It's a steal, with prices from just $40 per night.

<p>To describe <a href="https://www.airbnb.co.uk/rooms/41129241">this guesthouse</a> as cozy would be something of an understatement. The open-plan space is all homely, rustic charm, from the squidgy leather seats and the handmade log bed to the front porch. It sleeps up to six people with a sofa bed and sleeping nook, so it’s one for a close family or group of friends and would equally make a perfect base for a couple. The home, which is close to the Black Hills and attractions including Mount Rushmore, is on Airbnb for around $95 a night.</p>

South Dakota: country guesthouse, Box Elder

To describe this guesthouse as cozy would be something of an understatement. The open-plan space is all homely, rustic charm, from the squidgy leather seats and the handmade log bed to the front porch. It sleeps up to six people with a sofa bed and sleeping nook, so it’s one for a close family or group of friends and would equally make a perfect base for a couple. The home, which is close to the Black Hills and attractions including Mount Rushmore, is on Airbnb for around $95 a night.

<p>Available from just $82 per night, <a href="https://www.airbnb.com/rooms/plus/23955586">this cozy studio</a> features handmade décor, wood paneling and stained dark-timber floors. There's also a full kitchen and full bathroom, and guests are placed minutes from downtown <a href="https://www.loveexploring.com/guides/90064/explore-nashville-the-top-things-to-do-where-to-stay-what-to-eat">Nashville</a> too. It's a great base for exploring all that Music City has to offer – <a href="https://www.visitmusiccity.com/">see here for the city's current reopening protocols</a>.</p>

Tennessee: artist condo, Nashville

Available from just $69 per night, this cozy studio features handmade decor, wood paneling and stained dark-timber floors. There's also a full kitchen and full bathroom and guests are mere minutes from downtown Nashville too. It's a great base for exploring all that Music City has to offer, from the honky-tonks of Broadway to neighborhood boutiques, galleries and restaurants.

The best family-friendly hotel in every state

<p><a href="https://www.airbnb.co.uk/rooms/49318273?adults=2&category_tag=Tag%3A5348&check_in=2022-12-21&source_impression_id=p3_1671620234_aCGOaf3hDgUlMe9W&guests=1&check_out=2022-12-26">This smart tiny home</a> was built with luxury in mind and hosts promise "all the amenities of an upscale hotel room" in an offbeat setting. After a night of stargazing – there's a rooftop deck for drinking in the dark night skies – you'll sink into a Tuft & Needle mattress. Guests also have a full-sized shower, plus a fridge, microwave and coffee machine, and though you're a stone's throw from Waco, you'll feel worlds away in the cabin's glorious countryside location. Prices are from around $95 per night.</p>

Texas: tiny container home, Waco

This smart tiny home was built with luxury in mind and hosts promise "all the amenities of an upscale hotel room" in an offbeat setting. After a night of stargazing – there's a rooftop deck for drinking in the dark night skies – you'll sink into a Tuft & Needle mattress. Guests also have a full-sized shower, plus a fridge, microwave and coffee machine, and though you're a stone's throw from Waco, you'll feel worlds away in the cabin's glorious countryside location. Prices are from around $95 per night.

<p>Sheltered by tall oak trees, <a href="https://www.airbnb.co.uk/rooms/2249908">this historic home's private guesthouse</a> is conveniently located in <a href="https://www.visitsanantonio.com/">San Antonio</a>'s Alta Vista midtown neighborhood. Available from $58 a night, the property boasts a bedroom with a cozy queen-size bed and French doors that open to a balcony, while the private backyard patio and garden have comfortable seats for lounging too. </p> <p><strong><a href="https://www.loveexploring.com/news/76078/5-reasons-why-san-antonio-should-be-your-next-us-trip">Check out our guide for 5 things you mustn't miss in San Antonio</a></strong></p>

Texas: historic guesthouse, San Antonio

Sheltered by tall oak trees, this historic home's private guesthouse is nestled in San Antonio's Alta Vista, one of the city’s oldest neighborhoods. Attractions like the Alamo, hip Pearl district and the Riverwalk are within a couple of miles, while San Pedro Springs Park – with a spring-fed swimming pool in summer – is just across the street. Available from $60 a night, the property has a queen-size bed, kitchenette, en suite bathroom and French doors opening to a balcony.

<p><a href="https://www.airbnb.co.uk/rooms/53460138?adults=2&check_in=2023-04-24&source_impression_id=p3_1671615238_VaLfduwLrr5LvzDg&guests=1&check_out=2023-04-30">This neat farm-stay property</a> places you within 25 miles (40km) of Zion National Park and just a couple of miles from Sand Hollow State Park, with its sandstone bluffs and far-reaching waters. After a hike or boat trip, head back to the farmhouse, which is dropped in the middle of desert and mountains, and which has a kitchen, fireplace, private patio and a bed for two guests. There are free-roaming alpacas on the property too. A stay here typically costs $130 per night. </p>

Utah: farm stay, Hurricane

This neat farm-stay property places you within 25 miles (40km) of Zion National Park and just a couple of miles from Sand Hollow State Park, with its sandstone bluffs and far-reaching waters. After a hike or boat trip, head back to the farmhouse, which is dropped in the middle of desert and mountains, and which has a kitchen, fireplace, private patio and a bed for two guests. There are free-roaming alpacas on the property too. A stay here typically costs $130 per night.

<p>Set in the beautiful countryside of rural northeastern Vermont, <a href="https://www.airbnb.co.uk/rooms/16231237">this log cabin</a> allows visitors to escape the daily grind and relax within a peaceful forest setting. Available to book from $91 a night, this charming cabin offers the chance to stargaze at night, snow-shoe in winter or simply sit by the firepit roasting marshmallows.</p>

Vermont: log cabin, Groton

Set in the beautiful countryside of north-eastern Vermont, this log cabin allows visitors to escape the daily grind and relax within a peaceful forest setting. Available to book from $96 a night, the charming cabin offers the chance to stargaze at night, go snow-shoeing in winter or simply huddle around the fire pit toasting marshmallows. The two-bedroom cabin is in a remote rural location that sees relatively few tourists, though that’s all part of the charm.

<p>Unique is an understatement when it comes to <a href="https://www.airbnb.co.uk/rooms/886469">this $125-a-night treehouse</a>. There are catwalks suspended in the air and several private and shared rooms located within the treehouse. To enhance your stay in the wild, the property owners also offer to arrange yoga classes, a massage therapist and a tour of the nearby Mulberry organic farm – check with the hosts for current availability.</p>

Virginia: treehouse suite, Stanardsville

Unique is an understatement when it comes to this lofty guesthouse , where a private en suite room rents from $125 a night on Airbnb. There are catwalks suspended in the air and several private rooms and shared spaces within the treehouse. This room has a cherry wood bed, private bathroom and exclusive use of a gazebo and swing just below. There’s a sauna for guests’ use and you can also speak to the owners about booking yoga classes and massages.

<p>In Seattle’s charming Queen Anne neighborhood and within easy distance of the city’s attractions, <a href="https://www.airbnb.co.uk/rooms/13437692">this private studio suite</a> is a steal at $99 a night. It’s within a residential home – an early 20th-century farmhouse – yet feels wonderfully private, with its own bathroom and kitchenette with refrigerator, microwave and prep space. It has a separate entrance too. The neighborhood has some lovely restaurants and cafés, while nearby Kerry Park has incredible views over Seattle.</p> <p><a href="https://www.loveexploring.com/guides/74956/explore-seattle-the-top-things-to-do-where-to-stay-what-to-eat"><strong>Check out our guide to Seattle</strong></a></p>

Washington: studio suite, Seattle

In Seattle’s charming Queen Anne neighborhood and within easy distance of the city’s attractions, this private studio suite can go for $105 a night. It’s within a residential home – an early 20th-century farmhouse – yet feels wonderfully private, with its own bathroom and kitchenette with fridge, microwave and prep space. It has a separate entrance too. The neighborhood has some lovely restaurants and cafés, while nearby Kerry Park has incredible views over Seattle.

<p>Fabulously wonky and charming,<a href="https://www.airbnb.co.uk/rooms/24920591?adults=2&check_in=2023-04-24&source_impression_id=p3_1671615962_R270gShlAC2BH3Wk&guests=1&check_out=2023-04-25"> this little cottage in Ghent</a> could be plucked straight from the pages of a fairy tale. It's an ultra cozy escape, with rooms stuffed with books and board games, and grounds filled with fruit trees, vegetable patches and a pond. There are fishing supplies for anglers, and you'll be close to the popular Winterplace Ski Resort too. It's typically $83 per night. </p>

West Virginia: storybook cottage, Ghent

Fabulously wonky and charming, this little cottage in Ghent could be plucked straight from the pages of a fairy tale. It's an ultra cozy escape, with rooms stuffed with books and board games, and grounds filled with fruit trees, vegetable patches and a pond. There are fishing supplies for anglers, and you'll be close to the popular Winterplace Ski Resort too. It's typically $83 per night.

<p>Farm stays don't come much more idyllic than this. Described as a "farmette", <a href="https://www.airbnb.co.uk/rooms/42487501?adults=2&check_in=2023-02-01&source_impression_id=p3_1671616868_eGmRR%2FsAoArr2KiE&guests=1&check_out=2023-02-02">the property</a> comprises of a little cottage strung with fairy lights and a swathe of woodland. The hosts suggest you watch the sunset from the west side of their land, which offers views over town. You'll find a kitchenette with all the essentials (hosts gift their guests raw honey from their own beehives) and room for four guests across a loft and sofa bed. Prices from $81 per night. </p>

Wisconsin: tiny home, Darlington

Farm stays don't come much more idyllic than this. Described as a "farmette", the property comprises of a little cottage strung with fairy lights and a swathe of woodland. The hosts suggest you watch the sunset from the west side of their land, which offers views over town. You'll find a kitchenette with all the essentials (hosts gift their guests raw honey from their own beehives) and room for four guests across a loft and sofa bed. Prices from $81 per night.

<p>As locations go, this could hardly be any better. The <a href="https://www.airbnb.co.uk/rooms/4041538/">private bedroom</a>, sleeping two, is at the base of the Snow King ski area, within walking distance of downtown Jackson with its brewpubs, cafés and restaurants and a short drive from Grand Teton National Park. So guests can have the best of all worlds for around $91 a night. The cozy suite has a private bathroom, a microwave and mini-refrigerator, and the hosts provide tea, coffee and snacks.</p> <p><a href="https://www.loveexploring.com/gallerylist/66286/the-best-bed-and-breakfast-in-every-us-state-and-dc"><strong>Now check out the best B&B in every state and DC</strong></a></p>

Wyoming: en suite room, Jackson

As locations go, this could hardly be any better. The private bedroom , sleeping two, is at the base of the Snow King ski area, within walking distance of downtown Jackson with its brewpubs, cafés and restaurants and a short drive from Grand Teton National Park – so guests can have the best of all worlds for prices starting at $80 a night. The cozy suite has a private bathroom, a microwave and mini-fridge, and the hosts provide tea, coffee and snacks.

Now check out the best new hotel in every US state

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COMMENTS

Is Airbnb Travel Insurance Worth It?
Airbnb's travel insurance is priced as a percentage of your total booking amount. The exact insurance rate offered will be clearly listed during checkout, so you can decide if you want to add it ...
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 ...
Understanding travel insurance for Airbnb guests
Highlights. Travel insurance pays guests up to 100% of their Airbnb booking costs when they cancel for covered reasons. Guests in the U.S., U.K., and eight countries in Europe can add travel insurance when reserving a stay. Emergencies and unexpected trip interruptions happen, and having to turn down a guest's request for a refund can be tough.
Is Airbnb Travel Insurance Worth It? A Comprehensive Analysis
Airbnb's comprehensive coverage is the answer! It's perfect for vacations and business trips, offering maximum protection at a low cost. Tailor your plan to your budget with various options available. With generous emergency and cancellation reimbursements, Airbnb travel insurance ensures safer trips. Their 24/7 customer service provides ...
Is Airbnb Travel Insurance Worth It for Your Next Vacation?
The cost of Airbnb travel insurance varies based on the total cost of your trip. Generally, it's calculated as a percentage of your rental cost, typically ranging from 5% to 12%. For example, if your Airbnb rental costs $1,000, the travel insurance could cost anywhere from $50 to $120.
Airbnb Travel Insurance: What Guests Should Know
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 ...
Airbnb Travel Insurance for Guests
Airbnb travel insurance offers a safety net for various situations that could derail your trip. Here's a breakdown of some key coverages: Trip cancellation: If you need to cancel your trip entirely for a covered reason, you can be reimbursed for up to 100% of your non-refundable Airbnb booking cost. Covered reasons typically include illness ...
Is Airbnb Travel Insurance Worth the Investment? Exploring the Pros and
Financially, insurance coverage can help minimize the financial burden of cancellations, medical emergencies, or lost belongings. In summary, Airbnb Travel Insurance is worth considering as an investment for travelers. However, understanding the limitations and reviewing additional coverage options is crucial to ensure comprehensive protection.
Is Airbnb Travel Insurance Worth It? Exploring the Pros and Cons
Pros of Airbnb Travel Insurance: Convenient and Affordable: One of the biggest advantages of Airbnb travel insurance is its convenience. By opting for Airbnb's insurance, you can easily add coverage to your booking with just a few clicks. Additionally, the cost is often included in the overall price, making it a hassle-free choice.
Is Airbnb Travel Insurance Worth It?
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 ...
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.
Is Airbnb Travel Insurance Worth It? Exploring Pros, Cons & Cost
Airbnb travel insurance is a type of insurance designed specifically for individuals who book stays through the popular home-sharing platform. While it does offer some benefits, such as coverage for lost, stolen, or damaged items, it is limited compared to traditional travel insurance policies. Additionally, it tends to be more expensive than ...
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 ...
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.
Is Travel Insurance on Airbnb Worth It?
Airbnb's Host Guarantee. As a host on Airbnb, you are automatically enrolled in the Host Guarantee program. This program provides coverage for up to $1 million USD in property damage caused by guests. The Host Guarantee is designed to give hosts peace of mind and protect their property in case of accidents or damages.
Is Travel Insurance Worth It in April 2024?
There are many companies that offer policies, with Allianz and Travel Guard among the best-known. Here is a chart showing the benefits and coverage levels available on some Allianz policies ...
Is Airbnb Travel Insurance Worth It?
Insurance by Airbnb is an additional cost that you'll have to factor into your travel budget. The cost of the policy can vary depending on the provider and the coverage you select. Airbnb only covers up to a certain number of damages, losses, and cancellations. If the expenses exceed the coverage limit, you'll have to cover the remaining ...
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.
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.
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 ...
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 ...
Generali travel insurance vs refundable bookings : r/AirBnB
Some places offer refundable and non-refundable options. I've seen cases where the refundable option cost $100 more, but the travel insurance offered on the checkout page is only $80. As a host I have different booking cancellation policies depending on how you book.
8 Reasons It's Worth It To Buy Travel Insurance (And 6 Times To ...
If anything, travel may have even more surprises than your day-to-day life at home. Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical ...
Is Travel Insurance Worth It? Here's What the Experts Want You To ...
This means that for a $5,000 trip, the average travel insurance will run you about $228, with policies ranging anywhere from $154 for a basic policy to $437 for more comprehensive coverage. You ...
Travel insurance for backpackers
Travel insurance often costs 4% to 10% of your trip's total price. So if your backpacking adventure will run you $4,000, the total cost of insurance may be $160 to $400.
Best Cheap Travel Insurance of April 2024
Atlas Journey Premier offers $150,000 in primary medical coverage. Both plans have top-notch $1 million per person in medical evacuation coverage. Each plan offers travel inconvenience coverage of ...
Is The Upgrade To Airbnb Plus Worth It For Travelers?
The first obstacle travelers face is considering the cost versus a traditional listing. Airbnb private rooms averaged $67 per night around the globe in May 2023 (via. , both are often more ...
Money: How to earn thousands letting stars like Stormzy and David
Money latest: The age when the average Briton pays off their mortgage revealed. The average Briton is 61 when they pay off their mortgage - a drop of two years. Meanwhile, Spotify is raising ...
Your State's Best Budget Airbnb Worth Staying In
Your State's Best Budget Airbnb Worth Staying In. When you can't quite stretch to a 5-star resort or a swanky pool pad, Airbnb has some one-of-a-kind stays for reasonable prices. From tiny ...

Is Airbnb Travel Insurance Worth It for Your Next Vacation?

What Does Airbnb Travel Insurance Cover?

How Much Does Airbnb Travel Insurance Cost?

Is Airbnb Travel Insurance Worth It?

Alternative Travel Insurance Options

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Airbnb Travel Insurance: What Guests Should Know

Table of contents

Airbnb travel insurance explained

AirCover vs. Airbnb travel insurance

What Airbnb travel insurance covers

Trip cancellation

Travel delays

Medical emergencies

Delayed baggage

24/7 emergency and travel assistance

What Airbnb travel insurance doesn’t cover

How do you file an Airbnb travel insurance claim?

Airbnb travel insurance FAQs

How do you add Airbnb travel insurance to your booking?

Does Airbnb travel insurance cover COVID-19?

Are hosts covered by Airbnb travel insurance?

Should you get insurance for Airbnb?

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Is Airbnb Travel Insurance Worth It?

What is Airbnb Travel insurance?

Why Airbnb travel Insurance is worth it

What travel insurance cover

AirCover for guests

Travel insurance through Generali and Europ Assistance

Limitations of Airbnb travel insurance

Final Verdict

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