Vrbo Travel Insurance: A Complete Guide For Your Next Trip

Does Vrbo provide travel insurance policies?

Yes, some Vrbo rentals are covered by basic travel insurance. From start to finish, Vrbo travel insurance is here to provide its potential customers a smooth partnership. Vrbo offers travelers a comfortable, safe, and hassle-free stay.

Before the trip

One pro is that Vrbo selects premier partners who are credible hosts, and they ensure you have all the information you need for your stay.

Another is the superb feature of payment protection that Vrbo prioritizes in order to counter fraudulent payments. They go through a thorough screening process that involves background checks, verifying accounts, and fraud checks. In the event that you need to re-book due to last-minute cancellations on the host’s side, Vrbo will help you look for similar accommodations and book them for you.

During your stay

During your vacation, a dedicated care team is ready to attend to your needs and concerns. Vrbo has a hands-on approach when it comes to addressing your questions. If you need an alternative lodging, let the care team know right away. They can provide other accommodations for those who deem that the current property was misrepresented online and is unfit for them.

After your stay

After you’ve checked out of your accommodation, the damage protection will cover any accidental damage caused to the property. If all is in order but the property manager or host withholds the deposit, Vrbo will help you settle it. If you decide to cancel your trip, you can still receive a refund as long as you request for cancellation before your check-in date.

Can Vrbo rentals be covered by third-party travel insurance?

Yes, some third-party travel insurances are able to cover Vrbo rental homes under their policies. Vrbo goes the extra mile to ensure that its travelers are given top-notch service and protection when planning trips. In partnership with Generali Global Assistance, US travelers are provided additional coverage in their chosen insurance package that features a minimum of 59 USD in damage protection, to name a few highlights.

They’ve also introduced Travel Protection, which offers maximum protection whether it’s from sickness or injury to the traveler or their family member. This plan will reimburse 100% of the trip’s cost. Below are the three travel insurance plans that are all underwritten by the Generali U.S. Branch.

Prime Plan

This flexible plan coverage guarantees travelers reimbursed payments for unused, non-refundable, and pre-paid trip costs if you cannot go on your trip due to a covered reason. If a covered event interrupts your trip, the Prime Plan will provide reimbursement for the additional cost of transportation to get home or to rejoin your tour group.

Among other highlights, this plan also includes an easy way to connect to a network of qualified physicians so travelers can seek professional consultation when in need of medication or prescriptions under the plan’s Teladoc feature.

Enhanced Plan

The Enhanced Plan also provides reimbursement fees for unused, non-refundable, and prepaid trip costs if you cancel or are unable to proceed due to a covered reason. If your baggage is delayed for more than 24 hours, this plan will cover the cost so you can purchase items you need to continue on your trip.

A highlight of this special plan is the ID theft resolution, wherein assistance is provided to travelers whose identities have been compromised. Emergency assistance and transportation are also accessible in case travelers have an accident or require immediate medical attention. If in case you are traveling solo and are hospitalized for more than a week, this plan can cover up to 10,000 USD so a companion can visit you.

Elite Plan

The Elite Plan coverage includes basic reimbursement of fees for canceled trips due to a covered reason, as well as coverage for emergency medical and dental care while you’re on your trip. Other coverage features include the likes of baggage loss, theft, or damage, as well as reimbursement for delayed baggage.

Transportation and assistance during an emergency are also offered in this plan, so travelers are assured transportation to the nearest medical facility in the event of an accident. Teladoc and ID theft resolution are also part of this plan, as well as on-demand medical care if you get sick during your trip.

Is Vrbo travel insurance worth it?

This insurance coverage by Vrbo and Generali Global Assistance checks all the boxes for most travelers. Even first-time travelers who plan on getting insured tend to go with the basic (Prime) plan. This is not only a feasible starter plan, but it’s also a great investment, especially if you’re an avid explorer. For those who cannot pursue travel plans due to sickness or attaining a last-minute injury, reimbursement for the total cost of your trip will be provided.

Those who are prone to catching a cold or who tend to fall sick while traveling, then perhaps the Enhanced Plan is more suitable as the on-demand medical care gives travelers access to on-call physicians, among other related services.

What should I look out for when booking a third-party travel insurance?

If you’re the type of traveler keen on getting extensive protection when traveling, a third-party insurance provider is an option you should consider. This will provide you and your fellow travelers the coverage needed for other things that basic Vrbo travel insurance won’t be able to cover.

There are also instances of theft or robbery that many people don’t often anticipate, as well as other travel disruptions that take place and are beyond your control. Third-party travel insurance can help you deal with such situations when it arises.

What’s not covered under third-party travel insurance?

Third-party insurance does not extend its coverage to Vrbo rentals in countries or cities that are declared unsafe due to war or health crisis. With the global community placed under strict travel restrictions due to the COVID-19 pandemic, future travel plans must be properly assessed. Itineraries for either non-essential travel or business travel should be properly laid out so travelers can protect themselves when faced with unforseen circumstances.

Are there any tips while booking a third-party insurance for Vrbo rentals?

When booking third-party insurance, finding out which type of coverage best suits your travel needs is essential. There’s a lot at stake when you’re going abroad for the first time or when you’re visiting a destination that’s new to you. Here are some tips for finding quality and trust-worthy travel insurance:

Research thoroughly on policies

First, conduct thorough research on specific policies to sort out which ones best suit your needs. Read the reviews so you have an idea of what worked best for other travelers. Read the fine print so you don’t end up settling for a travel insurance company with faulty coverage plans. Make sure you’re booking your travel insurance plans with a company that is credible and that will meet your needs and address your concerns.

Have a backup plan

Second, make sure you have a backup plan when traveling. Do not hesitate to take extra precautions if you want to protect yourself from unforeseen circumstances. If this entails finding a friend in the area to stay with just in case your accommodation doesn’t work out or choosing a backup budget hotel near your preferred location, then follow suit! It’s always best to arrive prepared and ready to conquer whatever inconvenience comes your way.

Be aware of unique global or international events

Third, make it a habit to stay up to date on unique global events, such as pandemics like COVID-19, or potential natural disasters that come and go depending on the season. Some destinations take extra measures to deal with emergencies, and knowing what is happening wherever you are in the world won’t hurt. Being prepared is always key!

Any recommended third-party insurance companies that cover Vrbo rentals?

Travel insurance for Vrbo rentals isn’t hard to come by since there are third-party insurance companies that can cover your stay when you book your accommodation with Vrbo.

World Nomads is one option to consider as it covers a number of important cases like death, travel accidents, pregnancy, and baggage loss, to name a few.

Receive a 5% discount on your travel insurance when you use our promo code “TRIP101”:

World Nomads Travel Insurance

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Get a quote

Promo code: TRIP101

Another option is Allianz Travel, which offers annual medical and travel coverage, as well as two types of plans that you can choose from depending on which best suits your travel needs.

Use the promo code “TRIP101” when requesting a quote from Allianz Travel insurance to take 40% off on your premium:

Allianz Travel Annual Multi-Trip

Allianz Travel Annual Multi-Trip

Allianz Travel Single Trip

Allianz Travel Single Trip

It's high time to get insured

Being on the safe side is never a bad thing, and making sure you are prepared and equipped to venture out and seek new opportunities is a must in the climate the world is currently in. Traveling may not be the same after COVID-19, but one thing remains certain, and that is the need to stay insured whether you’re traveling for business or for pleasure.

Whatever type of traveler you are, it’s important to do your due diligence in getting travel insurance and finding out which plan best suits your needs. Vrbo travel insurance is one way to keep you motivated when planning your 2021 trips, so be on the safe side and get your travel insurance today!