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Vacation rentals travel insurance

Support for a canceled trip, stolen belongings, medical emergencies, and more

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Space, privacy, the comforts of the casa – nothing is better than renting a vacation home, whether it’s a lakeside chalet or a studio in New York City. But sometimes booking from a private homeowner could add a layer of “What if?”. That’s where travel insurance comes in. Here are the need-to-know details of vacation rental coverage, so you can get on with your getaway.

Do I need travel insurance?

Hopefully, the worst thing that happens when you’re staying at your rental is eating the free snacks too fast. But, if you find yourself in a pinch, travel coverage can save your sanity. When an emergency happens, it is as much a headache preventer as any dose of medicine. Think of good travel protection as having back-up on standby.

What's covered by vacation rental insurance?

There are lots of reasons to consider travel insurance, including those that apply to vacation rentals specifically:

  • A canceled trip: do you have to cancel your vacation rental at the last second due to something such a work emergency or sudden illness? With trip insurance, you may be able to recoup your pre-paid, non-refundable trip costs, including your accommodation.
  • Stolen belongings: did a thief break into your vacation rental while you were out at dinner and make off with your pricey laptop or brand new DSLR camera? Personal effects may be covered, up to their cash value at the time they got swiped. (Just be sure to file a police report and keep a copy for your claim.)
  • A medical emergency: illness is unavoidable. If you don’t need to be hospitalized for your illness, but you’re still too sick to return home and need to stay more days in your vacation rental, you could be reimbursed for the additional cost.
  • A natural disaster: a flood or forest fire standing between you and the vacation rental of your dreams? If the property has been destroyed or you’ve been prevented from staying there due to an unforeseen natural disaster, we’ve got a silver lining in the cloud for you: you may be reimbursed your pre-paid trip expenses (moolah you can save for your next adventure).

What's not covered by vacation rental travel insurance?

  • Furniture or any other items that are part of the vacation rental (travel insurance protects only the belongings you yourself own.)
  • Alcohol- and drug-related incidents and illegal activities (partying is banned at most vacation rentals, anyway.)
  • Negligence. Did you get back to your vacation rental only to discover you left a burner on...and the kitchen is on fire? Or maybe you forgot to lock up the way the homeowner asked before you checked out and a burglar ransacked the place. These types of scenarios are excluded.
  • Diva behavior, a.k.a. loss of enjoyment. If the vacation rental doesn’t look exactly like it did in the pictures or has a weird smell, you may have to stay somewhere else... on your own dime.

Psst! Want to know more about what’s covered and not covered by travel insurance? Read your policy and contact us if you have any questions. Happy trails!

This is only a summary of coverage and does not include the full terms and conditions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, customer service is here to help.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

Contact Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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