Is Airbnb Travel Insurance Worth It? : Is It A Smart Investment Or A Rip-Off

Airbnb has transformed the way we travel by providing distinctive lodging options and a sense of home in unfamiliar places.

However, this newfound freedom also introduces a heightened level of uncertainty.

What if unforeseen complications arise? This is where Airbnb travel insurance comes into play—an enticing solution that pledges to safeguard against unexpected disruptions during your trip.

Before you finalize your decision, let’s delve into whether this insurance genuinely justifies the additional expense.


An image illustrating Is Airbnb Travel Insurance Worth It?
An image of three people seated in a room PHOTO CREDIT: Insurance Blobs.


Just remember, the Airbnb travel insurance only pays for the rental itself.

It won’t cover other stuff like plane tickets, car rentals, or getting to the place.

To decide if Airbnb travel insurance is worth it, check what other insurance you already have.

If your credit card already covers your trip, you might not need Airbnb’s insurance.

If you prefer a different kind of travel insurance, a full plan could give you more protection.

It might cover extra costs when your travel gets messed up. But keep in mind, that these plans can cost more than what Airbnb offers.

What Does Travel Insurance For An Airbnb Rental Cover?

This travel insurance for Airbnb protects your rental costs in case of unexpected disruptions before or during your trip.

Underwritten by Generali Global Assistance (U.S.) and Aon/Europ Assistance Group (abroad), it covers up to 100% reimbursement for cancellations due to qualifying reasons in nine countries.

Examples include flight delays, illness, lost luggage, or unforeseen events like hurricanes.

Key protections include coverage for these situations.

  • Cancellation of the trip for a covered reason.
  • Cancellation of the flight due to adverse weather conditions.
  • Illness or injury affecting the traveler.
  • Trip delay lasting more than 12 hours.
  • Loss of baggage during the journey.
  • Impact of natural disasters on the travel plans.
  • Theft occurring during the stay.
  • Loss of travel documents due to theft.

Don’t I Already Have This With Airbnb AirCover?

AirCover keeps renters safe from problems the host can control.

Travel insurance, on the other hand, protects renters from things beyond the host’s control, like flight problems or personal sickness.

With AirCover, renters are covered if the rental falls short of what was promised or if the host cancels unexpectedly.

It also handles operational problems, such as a broken heater or mismatched bedrooms.

, AirCover guarantees that your rental is just as advertised.

If any issues pop up, Airbnb will help you find a similar rental at the same price.

Or, if you don’t want to rebook, Airbnb might give you a full or partial refund.

How Do You Get Airbnb Travel Insurance And How Much Does It Cost?

If you want Airbnb travel insurance for your trip, just add it when you book on Airbnb.

The cost depends on a percentage of your total trip cost.

Also, if your credit card already has good travel insurance, you might not need it.

Can You Cancel Airbnb Travel Insurance?

You can cancel travel insurance acquired via Airbnb within 10 days of purchase.

If you reside in Indiana, the cancellation window is extended to 30 days.

It’s important to note that once your trip commences, cancellation is not permitted.

Should I Get Airbnb Travel Insurance?

Should you get Airbnb insurance as a guest?

Well, it depends on how you book your trip.

If your credit card already covers you well, you might be okay without it.

But if you don’t have that coverage, getting travel insurance can help you get your money back if your travel plans hit a snag.

It’s really up to how much risk you’re comfortable with, but having the insurance choice is a nice perk when booking on Airbnb.


Airbnb’s travel insurance protects against unexpected disruptions during trips, covering rental costs for various reasons.

It doesn’t extend to other expenses like flights.

The decision to opt for it depends on existing coverage, with AirCover addressing issues within the host’s control.

The cost is a percentage of the total trip cost, and cancellation is possible within a specific timeframe.

The choice depends on individual risk tolerance and existing coverage.


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