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Is Airbnb Travel Insurance Worth It?

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Travel insurance can protect you in the event of unforeseen delays or cancellations, but whether you should pay extra for it — or rely on what might already be included in the booking — is a perennial question.

We have some answers for you if you’re wondering, “Is Airbnb insurance worth it?”

Here’s the lowdown on what Airbnb insurance covers and what you’ll be on the hook for if you choose not pay extra for it.

What does travel insurance for an Airbnb rental cover?

This type of travel insurance protects the cost of your Airbnb rental if you encounter unexpected disruptions to your travel before or during your trip.

These policies are underwritten by Generali Global Assistance in the U.S. and Aon and Europ Assistance Group abroad. 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 a delayed flight that prevents you from arriving at your rental on time or having to cancel the trip because you got sick. Other obstacles might include your bags getting lost en route or a hurricane thwarting your plans. Travel insurance for an Airbnb rental would protect you in these situations.

These are some of the covered protections that come with Airbnb travel insurance:

Trip cancellation for a covered reason.

Flight cancellation due to weather.

Illness or injury.

Trip delay of more than 12 hours.

Loss of baggage. 

Natural disasters.

Theft during the stay.

Stolen travel documents.

In the above instances, Airbnb travel insurance would reimburse you the non-refundable cost of the rental. Without insurance, if you had to cancel, you would be subject to the host’s cancellation rules — which could include forfeiting the entire cost of the rental.

» Learn more: How to book an Airbnb

Is Airbnb travel insurance worth it?

Since you can’t see into the future, this type of travel insurance can help protect expensive Airbnb rentals if you can’t make your trip as originally planned.

Remember that Airbnb travel insurance only covers the cost of the rental, not any other related expenses like airline tickets, car rentals or transportation to the property.

To determine if Airbnb travel insurance is worth it, it’s important to know what other types of insurance you already have. Do you have any travel protection through your credit card ? If so, that may be more than enough to cover your Airbnb rental, and purchasing an Airbnb travel insurance policy wouldn’t be necessary.

If you want to rely on another form of travel insurance, a comprehensive plan may offer more protection — like covering additional costs associated with travel disruptions — but it can also be more expensive than what Airbnb offers. A good place to check for the best travel insurance for Airbnb is NerdWallet’s list of best travel insurance companies , where you can compare different options.

» Learn more: What to know before you book an Airbnb

Don’t I already have this with Airbnb AirCover?

No. AirCover protects renters from issues that are within the host’s control, whereas travel insurance protects the renter from things outside of the host’s control, like flight disruptions or personal illness.

AirCover protects the renter if the rental doesn’t meet the advertised standards or if the host cancels at the last minute. It also covers operational issues like a broken heater or if the number of bedrooms didn’t match the listing.

Essentially, AirCover assures travelers that their rental is what was advertised. If any issues arise, Airbnb will help you find a comparable alternate rental within the same price point. Alternatively, if you’d prefer not to be rebooked, Airbnb may issue a full or partial refund.

» Learn more: Are Airbnbs more cost-effective than hotels?

How do you get Airbnb travel insurance and how much does it cost?

If you want to add Airbnb travel insurance to your reservation, it’s easy to do during the reservation process through the Airbnb booking platform. The cost will vary and is based on a percentage of the overall trip cost.

Remember, if you use a credit card with ample travel insurance, you might already be protected.

Can you cancel Airbnb travel insurance?

If you need to cancel travel insurance purchased through Airbnb, it’s possible to do so within 10 days of purchase. For residents of Indiana, you can cancel within 30 days of purchase. However, once the trip begins, you can’t cancel it.

» Learn more: How to get an Airbnb discount

Should I get Airbnb travel insurance?

Is Airbnb insurance worth it for guests? Yes and no. It depends on how you purchase your travel.

If you use a credit card with ample protections already, then you may be fine. Otherwise, a travel insurance policy can help you recoup the cost of your rental in the event of a travel disruption.

Ultimately, it will come down to your own personal risk tolerance, but it’s nice to have the option when booking with Airbnb.

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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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Table of contents

• 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.

Related articles

• Does Travel Insurance Cover Pre-Existing Conditions?
• What Is Cancel For Any Reason (CFAR) Travel Insurance?
• 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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What Does Airbnb Travel Insurance Cover

Published: December 18, 2023

Modified: December 28, 2023

by Linda Schmitz

Welcome to the world of Airbnb travel insurance! Whether you're a seasoned traveler or just embarking on your first adventure, it's essential to understand the ins and outs of travel insurance, especially when booking through Airbnb. This comprehensive guide will walk you through the various aspects of Airbnb travel insurance, shedding light on what it covers and why it's a valuable addition to your travel plans.

When you book a stay through Airbnb, you have the option to purchase travel insurance to protect your trip. This insurance provides coverage for a range of unforeseen circumstances, offering peace of mind and financial protection throughout your travels. Understanding the scope of coverage can help you make informed decisions when planning your trip and ensure that you're adequately prepared for any unexpected events.

In the following sections, we'll delve into the specifics of Airbnb travel insurance coverage, exploring its provisions for trip cancellation, trip interruption, medical emergencies, lost or delayed luggage, property damage, and host protection insurance. By the end of this guide, you'll have a comprehensive understanding of the protection Airbnb travel insurance affords and how it can safeguard your travel experience. So, let's embark on this journey to unravel the nuances of Airbnb travel insurance and empower you to make informed and secure travel choices.

What is Airbnb Travel Insurance?

Airbnb travel insurance, also known as Airbnb Host Protection Insurance, is a valuable safeguard that provides coverage for both guests and hosts in the event of unforeseen circumstances during a stay. This insurance is designed to offer financial protection and peace of mind, addressing a wide range of potential issues that may arise before, during, or after a trip booked through Airbnb.

For guests, Airbnb travel insurance offers coverage for various scenarios, including trip cancellations, trip interruptions, medical emergencies, lost or delayed luggage, and property damage. This means that if you encounter unexpected obstacles that disrupt your travel plans or incur additional expenses, the insurance can provide compensation and assistance, helping mitigate the impact of these events.

Additionally, Airbnb travel insurance extends protection to hosts, offering coverage for property damage caused by guests during their stay. This ensures that hosts are financially safeguarded in the event of accidental damage to their property, providing a layer of security and reassurance as they welcome guests into their homes.

By understanding the scope of Airbnb travel insurance, both guests and hosts can make informed decisions and approach their travel experiences with greater confidence. Whether you’re a guest seeking comprehensive coverage for your trip or a host looking to protect your property, Airbnb travel insurance serves as a crucial safety net, offering support and protection when it’s needed most.

As you plan your next adventure or prepare to host travelers, exploring the details of Airbnb travel insurance can help you navigate the intricacies of travel protection and ensure that you’re equipped to handle unforeseen events with resilience and financial security.

Coverage for Trip Cancellation

One of the key provisions of Airbnb travel insurance is coverage for trip cancellation. This aspect of the insurance offers protection in the event that you need to cancel your trip due to unforeseen circumstances. Whether it’s a sudden illness, a family emergency, or other unexpected events, trip cancellation coverage can provide financial reimbursement for non-refundable trip expenses, such as accommodation costs and transportation fees.

When faced with a situation that forces you to cancel your travel plans, having trip cancellation coverage can alleviate the financial burden and offer peace of mind, knowing that you won’t incur significant losses from prepaid expenses. It’s important to review the specific terms and conditions of the coverage, as certain circumstances may be eligible for reimbursement while others may not be covered.

For example, if you or a family member falls ill before your scheduled trip and you need to cancel your reservation, Airbnb travel insurance can step in to provide compensation for the non-refundable costs associated with your stay. Similarly, unexpected events such as natural disasters or travel advisories may also trigger trip cancellation coverage, offering a safety net in uncertain situations.

By understanding the nuances of trip cancellation coverage within Airbnb travel insurance, you can make informed decisions when planning your trip and ensure that you’re prepared for unforeseen events that may necessitate the cancellation of your travel arrangements. This aspect of the insurance serves as a valuable safeguard, offering financial protection and support during challenging times, allowing you to navigate unexpected circumstances with greater resilience and peace of mind.

Coverage for Trip Interruption

Alongside trip cancellation coverage, Airbnb travel insurance includes provisions for trip interruption, offering protection in the event that your trip is unexpectedly cut short due to unforeseen circumstances. Trip interruption coverage serves as a valuable safeguard, providing financial reimbursement for additional expenses incurred as a result of having to return home earlier than planned.

Unforeseen events such as a family emergency, a sudden illness, or other unexpected situations may necessitate the interruption of your trip. In such cases, trip interruption coverage can step in to mitigate the financial impact by offering compensation for the unused portion of your pre-paid expenses, as well as any additional expenses incurred while returning home.

For example, if a family member falls ill during your trip and you need to return home earlier than planned, trip interruption coverage can provide reimbursement for the unused portion of your accommodation costs, transportation expenses, and other non-refundable arrangements. This ensures that you’re not financially burdened by the unexpected need to cut your trip short, offering support and assistance during challenging times.

Understanding the scope of trip interruption coverage within Airbnb travel insurance empowers you to approach your travels with greater confidence, knowing that you have a safety net in place in the event of unforeseen disruptions. By being aware of the protection offered by this aspect of the insurance, you can make informed decisions and navigate unexpected circumstances with resilience, ensuring that your travel experience is safeguarded against the impact of unexpected events.

Coverage for Medical Emergencies

When traveling, especially to unfamiliar destinations, the possibility of facing a medical emergency is a consideration that cannot be overlooked. Airbnb travel insurance includes coverage for medical emergencies, offering valuable protection in the event that you require medical attention during your trip. This aspect of the insurance provides financial support and assistance, ensuring that you have access to medical care and that any associated expenses are covered.

In the unfortunate event of a medical emergency while traveling, the coverage for medical emergencies within Airbnb travel insurance can offer reimbursement for medical treatment, hospital stays, and other related expenses. Whether you require urgent medical attention, prescription medications, or hospitalization, having this coverage can provide peace of mind, knowing that you won’t be burdened by significant out-of-pocket costs.

Furthermore, the coverage for medical emergencies may extend to include emergency medical evacuation, ensuring that you can be transported to the nearest appropriate medical facility if the situation requires specialized care that is not available locally. This additional layer of protection can be crucial in situations where timely access to advanced medical treatment is essential for your well-being.

By understanding the scope of coverage for medical emergencies within Airbnb travel insurance, you can approach your travels with greater confidence, knowing that you have financial protection and support in the event of unexpected health-related challenges. Whether you’re exploring a new destination or embarking on an adventure, having this coverage in place ensures that you can prioritize your well-being without being unduly concerned about the potential financial impact of medical emergencies.

Coverage for Lost or Delayed Luggage

One of the common concerns for travelers is the possibility of lost or delayed luggage, which can disrupt travel plans and cause inconvenience. Airbnb travel insurance addresses this concern by providing coverage for lost or delayed luggage, offering financial compensation and support in the event that your belongings are misplaced or delayed during your trip.

In the unfortunate event that your luggage is lost by the airline or transportation provider, the coverage for lost luggage within Airbnb travel insurance can offer reimbursement for the value of your belongings, helping mitigate the financial impact of the loss. Similarly, if your luggage is delayed and you incur additional expenses for essential items such as clothing and toiletries, the insurance can provide compensation for these out-of-pocket costs.

Having coverage for lost or delayed luggage offers peace of mind, knowing that you’re financially protected in the event of such travel disruptions. Whether you’re traveling for business or leisure, having this safeguard in place ensures that you can navigate the inconvenience of lost or delayed luggage without bearing the full financial burden.

By understanding the provisions of coverage for lost or delayed luggage within Airbnb travel insurance, you can approach your travels with confidence, knowing that you have support and assistance in the event of luggage-related challenges. This aspect of the insurance serves as a valuable safety net, offering peace of mind and financial protection as you embark on your travel adventures.

Coverage for Property Damage

As a host welcoming guests into your home or property through Airbnb, the possibility of accidental damage may be a concern. Airbnb travel insurance includes coverage for property damage, offering protection and financial support in the event that your property sustains accidental damage during a guest’s stay.

In the unfortunate event of property damage caused by a guest, the coverage within Airbnb travel insurance can provide compensation for the repair or replacement of the damaged property, ensuring that hosts are not unduly burdened by the financial impact of such incidents. This aspect of the insurance offers reassurance to hosts, allowing them to open their homes to guests with confidence, knowing that they have financial protection in place.

Understanding the provisions of coverage for property damage within Airbnb travel insurance empowers hosts to welcome guests into their properties while mitigating the risk of financial loss due to accidental damage. By having this coverage in place, hosts can focus on providing a welcoming and enjoyable experience for their guests, knowing that they have a safety net in the event of unforeseen property damage.

Whether you’re a seasoned host or considering opening your property to guests for the first time, the coverage for property damage within Airbnb travel insurance offers valuable support and protection, ensuring that hosts can engage in hospitality with confidence and peace of mind.

Coverage for Host Protection Insurance

Host Protection Insurance is a crucial component of Airbnb’s commitment to providing support and protection for hosts. This coverage is designed to offer financial protection and assistance to hosts in the event of third-party claims related to property damage or bodily injury during a guest’s stay.

Host Protection Insurance serves as a safety net, offering coverage for a wide range of scenarios, including accidental property damage caused by guests, as well as claims for bodily injury that may occur during a guest’s stay. In the event that a guest experiences an injury or their property is damaged while staying at your accommodation, Host Protection Insurance can provide financial support, helping to address potential liability and claims.

Understanding the scope of Host Protection Insurance within Airbnb travel insurance is essential for hosts, as it offers reassurance and financial protection when welcoming guests into their properties. By having this coverage in place, hosts can focus on providing a positive and enjoyable experience for their guests, knowing that they have support in the event of unforeseen incidents.

Whether you’re a host with years of experience or considering becoming an Airbnb host for the first time, Host Protection Insurance offers peace of mind and financial security, ensuring that hosts can engage in hospitality with confidence and resilience. This coverage underscores Airbnb’s commitment to supporting hosts and fostering a safe and positive hosting environment for both hosts and guests.

As we conclude our exploration of Airbnb travel insurance, it becomes evident that this comprehensive coverage is a valuable asset for both guests and hosts, offering financial protection and peace of mind during travel experiences. The provisions within Airbnb travel insurance, including coverage for trip cancellation, trip interruption, medical emergencies, lost or delayed luggage, property damage, and Host Protection Insurance, serve as crucial safeguards, ensuring that travelers and hosts can navigate unforeseen circumstances with resilience and support.

For guests, Airbnb travel insurance provides a safety net, offering compensation and assistance in the event of trip disruptions, medical emergencies, or luggage-related challenges. This coverage empowers guests to approach their travels with confidence, knowing that they have financial protection in place to address unexpected events that may impact their trip.

Similarly, Host Protection Insurance underscores Airbnb’s commitment to supporting hosts, offering coverage for property damage and bodily injury claims that may arise during a guest’s stay. This aspect of the insurance provides hosts with reassurance and financial security, enabling them to welcome guests into their properties while mitigating the risk of potential liability.

By understanding the nuances of Airbnb travel insurance and the protection it affords, both guests and hosts can make informed decisions and approach their travel experiences with greater confidence. Whether embarking on a leisurely getaway or opening their homes to guests, individuals can rely on the support and financial protection offered by Airbnb travel insurance, ensuring that their travel experiences are safeguarded against unforeseen events.

In essence, Airbnb travel insurance serves as a pillar of support, offering peace of mind and financial security to travelers and hosts alike. By embracing the comprehensive coverage provided by Airbnb, individuals can embark on their travel adventures with resilience, knowing that they have a reliable safety net to address unexpected challenges along the way.

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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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Home » Travel Insurance » Airbnb Travel Insurance: Is It Worth It? Your Ultimate Guide to Protecting Your Stay

• Travel Insurance

Airbnb Travel Insurance: Is It Worth It? Your Ultimate Guide to Protecting Your Stay

• Author | Alexa Erickson
• April 15, 2024

The Daily Navigator strives to help you make the best decisions in travel. While we produce content according with strict editorial integrity this post may contain references to partner products. Here’s a full explanation for how our team makes money .

• Understanding travel insurance coverage
• Factors to consider
• When travel insurance may not be necessary
• What may be excluded from travel insurance
• How to get travel insurance

What is travel insurance?

Travel insurance is a type of insurance coverage that provides financial protection against unexpected events or emergencies that may occur during your travels, such as trip cancellations, medical emergencies, lost baggage, or other unforeseen circumstances.

What are the main types of travel insurance?

• The main categories of travel insurance are typically based on the type of coverage they provide. Here are the main categories of travel insurance:
• Trip cancellation/interruption insurance: This  covers expenses incurred if you need to cancel or interrupt your trip due to covered reasons such as illness, injury, death, natural disasters, or other unforeseen events. 
• Medical insurance: This provides coverage for medical expenses incurred while traveling. It can include emergency medical treatment, hospital stays, doctor’s visits, medications, and medical evacuations.
• Baggage and personal  belongings insurance: This type of travel insurance protects against loss, damage, or theft of your luggage, personal belongings, and valuables during your trip. 
• Travel delay insurance: This covers additional expenses incurred due to unexpected delays, such as flight cancellations, missed connections, or severe weather conditions. 
• Emergency evacuation insurance: This category assists with the cost of emergency evacuations, particularly in remote or medically inadequate areas. 
• Accidental death and dismemberment insurance: This provides financial compensation in the event of accidental death, loss of limbs, or permanent disabilities resulting from accidents that occur during your trip.

How much does travel insurance cost?

The cost of travel insurance varies depending on several factors, including your destination, the length of your trip, your age, the coverage options you choose, and any pre-existing medical conditions. It is advisable to compare quotes from different insurance providers to find the best coverage at a competitive price.

Where can you buy travel insurance?

Travel insurance can be purchased from various sources, providing flexibility and options for travelers. Here are some common places where you can buy travel insurance:

• Insurance companies: Many insurance companies offer travel insurance policies. You can directly contact insurance providers to inquire about their offerings, receive quotes, and purchase a policy. These companies may have online platforms or local offices where you can access their services.
• Travel agencies: Travel agencies often offer travel insurance as part of their services. When booking your trip through a travel agency, they can provide you with options for travel insurance coverage and facilitate the purchase on your behalf.
• Online travel booking platforms: Online travel booking platforms, such as Expedia , Travelocity, or Kayak, often provide the option to purchase travel insurance during the booking process. These platforms may partner with insurance providers to offer a range of policies that you can select from.
• Credit card companies: Some credit card companies offer travel insurance as a benefit to their cardholders. If you have a credit card with travel-related perks, review the terms and benefits associated with your card to see if travel insurance coverage is included and how to access it.
• Comparison websites: There are online comparison websites that allow you to compare different travel insurance policies from multiple providers. These platforms provide a convenient way to review coverage options, prices, and customer reviews, helping you make an informed decision.
• Specialized travel insurance providers: There are companies that specialize in travel insurance, offering a wide range of policies tailored to different types of travelers and trips. These specialized providers may have additional coverage options or unique features that cater to specific needs, such as adventure travel or long-term travel.

With the rise of vacation rental platforms like Airbnb, travelers are increasingly seeking ways to protect their trips from unforeseen events. This is where Airbnb travel insurance comes into play. 

Let’s take a detailed look at what Airbnb travel insurance is, its importance, who offers it, and whether you should consider purchasing it.

Read also: The Best Travel Insurance Companies of 2024

What is Airbnb travel insurance?

Airbnb travel insurance is designed to cover unexpected events that may affect your travel plans when booking accommodations through Airbnb. This type of insurance can cover a range of incidents, including trip cancellations, interruptions, medical emergencies, and even lost luggage. Essentially, it acts as a safety net, ensuring that travelers can recover some of their costs if their travel plans are disrupted by covered events.

Should you get Airbnb travel insurance?

The decision to purchase Airbnb travel insurance largely depends on your personal risk tolerance and the nature of your trip. If you are planning a costly vacation, or traveling to a location with volatile weather or political climates, travel insurance can be particularly valuable. It offers peace of mind by mitigating financial losses due to last-minute cancellations or medical emergencies.

Here are some scenarios where Airbnb travel insurance can be beneficial:

• High investment trips : If you’re spending a significant amount on your Airbnb bookings, flights, and other travel arrangements, insurance can protect that investment.
• International travel : For trips abroad, where unexpected medical costs and trip delays are more problematic, travel insurance is highly advisable.
• Traveling in uncertain times : During periods of global uncertainty, such as the COVID-19 pandemic, having travel insurance means you’re more likely to recoup costs if plans change unexpectedly.

Navigator Tip

One crucial tip for travelers considering Airbnb travel insurance is to purchase the insurance policy shortly after booking your trip. Many travel insurance policies offer the most comprehensive coverage options, including a “Cancel For Any Reason” benefit, only if the insurance is purchased within a specific time frame after making the initial trip deposit—often within 10 to 21 days.

Buying your insurance early not only maximizes the coverage available but also ensures that you’re protected right from the start of your trip planning. This early purchase is particularly important for trips planned during peak travel seasons or to areas prone to natural disasters, as it secures your investment against a broader range of potential disruptions.

Who offers Airbnb travel insurance?

Airbnb guests residing in the US have the option to purchase travel insurance and assistance services either at the time of checkout or after their booking is confirmed. 

However, there are many third-party providers that offer policies for Airbnb customers as well. One reputable provider in this market is Squaremouth . Squaremouth is known for its transparent approach to selling travel insurance, providing a platform where travelers can compare policies from various insurers to find the best fit for their needs.

When choosing a policy, it’s important to read the fine print and understand what is and isn’t covered. Not all travel insurance policies are created equal, and coverage can vary significantly between providers.

Why consider Squaremouth for your Airbnb travel insurance?

Squaremouth stands out for several reasons:

• Comparison shopping : Squaremouth allows travelers to compare different travel insurance policies from top-rated insurers side by side.
• Customer reviews : The platform offers customer reviews and ratings for each policy, helping you make an informed decision based on other travelers’ experiences.
• Comprehensive coverage options : From trip cancellation to medical emergencies, Squaremouth offers a range of coverage options that cater to various travel needs.

Several insurance companies offer travel insurance policies that are suitable for Airbnb stays, including:

Tin Leg offers travel insurance that is suitable for Airbnb stays, featuring comprehensive coverage options. Their policies typically include benefits such as trip cancellation, interruption, emergency medical coverage, and baggage loss or delay.

Seven Corners

Seven Corners offers various travel insurance plans that can be tailored to include coverage for stays at rental properties like those booked through Airbnb. Their plans often cover medical expenses, trip cancellation, and interruptions.

Are there credit cards that offer travel insurance you can use for booking an Airbnb?

Yes, several credit cards offer travel insurance benefits that can be useful when booking an Airbnb stay. These benefits typically include trip cancellation and interruption insurance, travel accident insurance, baggage delay insurance, and sometimes even emergency medical and evacuation coverage. Here are a few key points to consider if you’re thinking of using a credit card’s travel insurance for your Airbnb booking:

Key features of credit card travel insurance

• Trip cancellation and interruption Insurance : This coverage can reimburse you for non-refundable travel expenses, including Airbnb stays, if your trip is canceled or cut short due to covered reasons such as sickness, severe weather, or other qualifying unforeseen events.
• Baggage delay insurance : If your bags are delayed, this insurance may cover the cost of essential items until your luggage arrives.
• Travel accident insurance : Provides coverage for accidental death or dismemberment that occurs while traveling.
• Emergency medical and evacuation : Some premium credit cards offer this coverage, which can be crucial, especially for international travel. It covers emergency medical expenses and, if necessary, medical evacuation.

Considerations when using credit card travel insurance for Airbnb

Coverage limits : Credit card travel insurance often has lower coverage limits and more exclusions compared to standalone travel insurance policies. It’s essential to review the terms and benefits to ensure they meet your needs.

Eligibility requirements : To activate these insurance benefits, you typically need to pay for a significant portion of your travel expenses with the credit card that offers the coverage. Ensure that your Airbnb booking is eligible.

Specific coverage details : The specifics of what is covered can vary greatly from one credit card to another. For example, some cards may exclude certain types of travel disruptions or reasons for cancellations that standalone travel insurance might cover.

Popular credit cards offering travel insurance

Chase sapphire reserve®.

 Offers extensive travel insurance benefits, including trip cancellation and interruption insurance, baggage delay insurance, and emergency medical coverage.

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℠.

Learn More  –> 

The Chase Sapphire Reserve® is a premium travel card that’s accessible to most travelers as it has a number of valuable and easy-to-use benefits. Its annual fee of $550, though still high, is quickly offset thanks to its $300 travel credit, large welcome bonus, strong spending categories, and premium perks like airport lounge access. It’s also great for those who don’t want to deal with transferring their points, as you’ll get big value when redeeming through Chase’s travel portal.

• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel—which is more than the annual fee.
• The $300 travel credit covers anything travel related, whether thats an Airbnb, a taxi, a flight, or hotel, making it almost impossible not to lessen the dent the fee made.
• The points are worth 1.5 cents a piece when used directly on Chase’s Ultimate Rewards Portal, offering a simple but high value use for your points.
• Plenty of excellent transfer partners allow points to be maximized
• Some excellent partnerships with Doordash and Lyft add to its value.
• Priority Pass membership allows access to over 1,300+ airport lounges and restaurants.
• No complimentary elite hotel status, like that offered by the Amex Platinum.
• You won’t earn points on travel purchases until the $300 credit is used.
• It’s subject to Chase’s 5/24 rule. So if you’ve opened five cards in the last two years, you’re most likely not going to be accepted.

Annual Fee: $550   |  Terms Apply   |   Rates & Fees

The Platinum Card® from American Express

This luxury travel credit card offers a hefty welcome bonus, and an annual fee that more than pays for itself thanks to its plentiful perks. The card includes trip cancellation and interruption insurance, as well as travel accident insurance, with generous coverage limits.

80,000 Membership Rewards® Points

after you spend $8,000 on purchases in your first 6 months of card membership

The Amex Platinum was once the sole dominating force in the luxury credit card space. While it now faces some stiff competition, it still offers unbeatable perks like unprecedented airport lounge access, elite status at Hilton and Marriott, and some outstanding statement credits making the mammoth $695 worth it for some.

  PROS

• The Amex Platinum’s typical intro bonus of 80,000 points is massive in itself. It’s worth $800 when spent directly through Amex’s travel portal on flights and hotels, which is already stellar. But when transferred to a partner, it’s very possible to squeeze over $1,600 or more in value. 
• The Platinum has a slew of top-tier benefits, like Priority Pass, which gives the cardholder access to thousands of airport lounges and restaurants around the world, as well as Amex’s own Centurion lounges which are known for the high-quality (and free) food and cocktails. Other perks include up to $200 in Uber credits, up to $200 in airline fee credits (given in statement credits), up to $240 in digital streaming credits, up to $200 towards hotel bookings (given in statement credits) with Amex’s Fine Hotels and Resorts (2 night minimum stay required), and more. Enrollment is required for select benefits.
• A number of statement credits spanning multiple industries can build even more value into the card, including free stays when applied strategically.
• The Amex concierge is an underutilized benefit that can transform a trip by helping book hard-to-find dinner reservations or show tickets.

  CONS

• The $695 annual fee is brutally high. Too high for many that can’t, or don’t want to take full advantage of its benefits.
• Points-earning rates are low unless spending directly on flights or with the Amex Portal.
• Some of the benefits, like travel credits, are more limited and are harder to use than competing cards’ offerings. 

Annual Fee: $695  |   Terms Apply  |   Rates & Fees

For just a $95 annual fee, the Capital One Venture Rewards Credit Card gives you one of the loudest bangs for your buck. It also provides travel accident insurance and lost luggage reimbursement, among other benefits.

Capital One Venture Rewards Credit Card​

75,000 Bonus Miles

after you spend $4,000 on purchases in the first 3 months of account opening.

The Capital One Venture is an excellent go-to card for any traveler, thanks to its easy to navigate 2 miles per dollar on every purchase. With no bonus categories to consider, a reasonable $95 annual fee, and a strong 75,000-mile intro offer worth over $1000, Alec Baldwin might be onto something. 

• The Capital One Venture’s 75,000 mile intro bonus is worth $750 when spent on Capital One’s (recently revamped) travel portal or you can use your miles to cover your recent purchases. The bonus rises to well over $1000 when transferred to an airline or hotel partner.
• A steady 2 miles per dollar on all purchases makes earning simple and lucrative. You’ll also grab 5 miles per dollar when booking through Capital One’s travel portal.
• Its $95 annual fee is almost negligible, especially if the intro bonus is achieved Flexible miles allow for a wide array of redemption options
• You can enjoy a two free visits to a Capital One Lounge each year
• You’ll get up to a $100 credit for Global Entry or TSA PreCheck® membership which can help make airport security a breeze.
• Capital One lacks US-based airline and hotel transfer partners
• Not many major perks beyond its miles value

Annual Fee: $95   |  Terms Apply  |   Rates & Fees

Airbnb travel insurance is a crucial consideration for travelers looking to protect their trips from unexpected disruptions. Whether facing trip cancellations, medical emergencies, or other unforeseen events, the right insurance policy can safeguard your travel investments and offer peace of mind. While third-party providers like Squaremouth provide a broad range of options to cover Airbnb stays, don’t overlook the benefits that may already be available through your credit card.

Many credit cards offer travel insurance benefits, including trip cancellation and interruption coverage, which can be applicable to Airbnb bookings. However, it’s important to understand the specifics of these benefits, as coverage limits, eligibility requirements, and covered reasons for cancellation can vary significantly.

Ultimately, whether you opt for a standalone travel insurance policy or utilize the benefits from your credit card, the key is to ensure that you have comprehensive coverage tailored to your specific travel needs. By carefully reviewing your options and understanding the coverage you choose, you can enjoy your Airbnb experience with greater confidence and security.

Read also: The Best Credit Cards for Travel Insurance Benefits

Editorial Disclaimer: Opinions expressed here are the author’s alone. This post contains references to products from one or more of our partners and we may receive compensation when you click on links to those products.

Our Top Travel Card Picks​

Delta SkyMiles® Gold American Express Card​

65,000 Bonus Miles

after you spend $3,000 in the first 6 months

LEARN MORE –>

after you spend $8,000 in the first 6 months

Chase Ink Business Preferred® Credit Card

100,000 bonus points

after you spend $8,000 on purchases in the first 3 months

Capital One Venture Rewards Credit Card

75,000 bonus miles

after you spend $4,000 in the first 3 months

Explore Top Travel Cards

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• General Information

Does Travel Insurance Cover AirBnb? Everything You Need to Know

Last Updated: July 17, 2023 May 14, 2024

Since it launched in 2008, Airbnb has become a household name among avid and casual travelers. By offering unique vacation accommodations and experiences, Airbnb is able to provide a service that many hotel chains simply can’t compete with. 

However, these stays often come with a steep price tag, with NerdWallet reporting that Airbnb stays can be more expensive than hotels for many solo travelers and couples. With high costs involved, it’s no surprise that Airbnb guests are looking to protect their trip investment in case they can no longer travel. 

Does Travel Insurance Cover Airbnb?

Yes, travel insurance policies can offer coverage for Airbnbs, or similar vacation rentals like VRBO . In the vast majority of cases, travel insurance providers will treat your Airbnb stay as it would a hotel, resort, or other type of lodging arrangement. This means your booking must be prepaid and nonrefundable in order to be covered by insurance. 

Some examples of coverage you may receive through a travel insurance policy for your upcoming Airbnb stay include:  

• Last-minute cancellations by your Airbnb host
• Airbnb booking cancellations due to you or someone in your group falling ill
• Your personal belongings being stolen from the rental property
• If you need to return home early for a covered reason
• If the Airbnb is or becomes uninhabitable

Having a travel insurance plan heading into an Airbnb stay offers plenty of benefits and protection as a guest. At a fraction of the cost of your stay, a policy can offer financial protection for you and your group.  

Does Airbnb Offer Travel Insurance?

According to Airbnb’s website , guests in the U.S., U.K., Germany, France, and other European Union nations buy travel insurance when booking a trip on Airbnb. This insurance is offered through Generali , and guests can add the policy to their booking when making a reservation. The premium will be shown as a line item at checkout. 

What Does it Cover?

The policy offered through Airbnb provides coverage for a wide-range of travel concerns and a competitive price. Coverage includes the following: 

• Trip Cancellation: Get reimbursed up to 100% of your Airbnb cost if you need to cancel due to serious illness or flight cancellations and mandatory evacuations relating to weather. The cancellation policy covers guests’ unused Airbnb reservation costs should they have to return home for a covered reason.
• Flight Delay : Receive up to $750 per person for covered delays more than 12 hours. 
• Medical Emergencies: Get reimbursed up to $50,000 for doctor ordered medical services including hospital bills, ambulance rides, and prescription medicines. This policy will not cover medical emergencies relating to a pre-existing medical condition unless stated otherwise.
• Baggage Loss & Delay: Guests can get reimbursed up to $1,000 per person for lost, damaged, or stolen baggage and travel documents, as well as unauthorized use of credit cards. If baggage is delayed, policyholders are covered for up to $250 in expenses to purchase necessary items such as toiletries and clothes. 

The above insurance coverage was accurate at the time of publishing this article, but is subject to change.You can see the full policy details  here .

How Much Does Airbnb Travel Insurance Cost? 

Much like most comprehensive  single-trip travel insurance policies , AirBnb’s travel insurance premium is a percentage of the total reservation cost. Generally, the cost of Airbnb travel insurance is similar to the cost of a policy purchased through a travel insurance provider or comparison site like  Squaremouth . Your premium will depend on the length of your stay, your trip costs, your age, and other risk factors. 

Should You Get Your Travel Insurance Through AirBnb ?

While Airbnb offers their own policy, it’s always smart to compare policies that offer similar benefits to find the best coverage for the best price. Cost and coverage can vary dramatically from one travel insurance company to the next, so we recommend comparing policies from multiple sources before making an insurance decision.

Some places to get quotes may include Airbnb, comparison sites, and airlines. 

Squaremouth’s Travel Insurance Recommendations:

For most trips that involve a vacation rental , we recommend a comprehensive travel insurance policy that includes the following benefits:

• Trip Cancellation : Provides reimbursement for your prepaid, non-refundable trip costs if you need to cancel for a covered reason, such as unforeseen injuries, illness, and natural disasters .
• Trip Interruption : Offers reimbursement for any unused, non-refundable trip costs if you need to end your trip early for a covered reason.
• Travel Delay : Covers the cost of food and accommodation if your flight is significantly delayed on route to your destination.
• Emergency Medical : Covers the cost of emergency medical services, including hospital bills and ambulance rides, if you experience an unforeseen illness or injury during your trip. Exclusions apply.
• Medical Evacuation : Will reimburse the cost of emergency medical evacuation transportation services if deemed necessary for adequate treatment.
• Baggage Delay : Provides reimbursement for clothes, toiletries, and other necessities if your baggage is delayed in transit by at least 24 hours.
• 24-Hour Travel Assistance : Every travel insurance provider on Squaremouth offers 24-hour support before and during your trip, as well as insurance claim assistance.

Is It Worth It to Get Travel Insurance For An Airbnb?

The financial cost of traveling can be significant, especially when considering the cost of Airbnb’s, airfare, and pre planned activities. Getting travel insurance can mitigate the risk of financial loss by providing comprehensive coverage for common travel disruptions, including medical emergencies, delays, and canceled flights. 

Be sure to read through all policies and their fine prints before choosing a plan. While Airbnb does offer generous coverage, it may not cover everything you plan to do on your trip. In this case, we suggest reviewing comprehensive policies from other reputable providers.

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New insurance product and COVID relief program to support guests

Key Takeaways

• Airbnb is set to launch guest insurance and a $20 million Guest COVID Support Program.

Today we’re announcing two new ways Airbnb will support our guest community as they navigate unexpected impacts of the recent surge in COVID cases throughout the world — an upcoming guest travel insurance product and the launch of Airbnb’s Guest COVID Support Program.

Since the WHO’s declaration of COVID-19 as a pandemic in March 2020, we’ve continued to prioritize public health. Our guiding principle has been that people should not travel or host if they are sick with this virus.

In this context, we announced the global activation of our Extenuating Circumstances policy in March 2020 enabling guests who booked before the pandemic to get refunds, making Airbnb the first short-term rental platform to implement such a consumer-friendly approach to COVID cancellations. And Airbnb continues to allow guests who contract COVID to cancel for a full refund even if it’s outside of the Host’s cancellation policy. This is something none of our peer short-term rental companies have done. 

But over the past month, we’ve seen the stress and challenges spurred by Omicron, and we’ve stayed close to our community, which includes both Hosts and guests. As a two-sided platform, it is important to recognize that the Omicron spike has greatly impacted our Hosts, and we know many lost out on income as well as the opportunity to market their listing over the holiday season following last-minute cancellations. For this reason, we are grateful that our Host community as a whole has sought to offer guests greater flexibility — with almost two thirds of active listings now offering moderate or flexible cancellation policies. And many even went above and beyond their cancellation policies to support guests over the course of this unprecedented Omicron wave that hit over the holiday travel season. 

Travelers have been hit hard, particularly with sudden travel restrictions and border shutdowns. We also know that many travelers who may be wary of crowded hotel lobbies during this Omicron spike are increasingly viewing short-term rentals booked through a trusted platform like Airbnb as a safer travel option for family and friends — particularly as Airbnb Hosts remain committed to Airbnb’s COVID safety and cleaning practices .

We understand that our guests are also trying to navigate in a really dynamic environment, so we’ll be stepping up our support for guests in the following ways:

Airbnb Guest Travel Insurance

We will launch a custom-built guest travel insurance product offering exclusive to Airbnb guests. The same team that brought our AirCover Host protection product to life is building our new guest insurance product in partnership with a reputable insurance carrier. We plan to launch this new product in Spring 2022. 

Until this new product is available, we urge guests to purchase travel insurance outside of Airbnb, or to utilize the functionality of our free cancellation search filter to find listings that have more flexibility.

Airbnb Guest COVID Support Program

While we work towards the travel insurance launch, we are introducing our new Guest COVID Support Program to provide relief to guests no longer able to proceed with their previously booked reservations due to unexpected travel disruptions caused by government mandates — such as border closures or mandatory extended quarantine requirements. 

For guests in these situations who are unable to obtain full refunds under their Hosts’ cancellation policies, Airbnb will provide relief in the form of a travel coupon for 50 percent of the cost of the unrefunded portion of the reservation. We are funding this program with $20 million initially to help defray these financial impacts to our guests and ensure guests know that we are listening to their concerns.

This program is effective immediately, and applies retroactively to reservations that (1) have a check-in date on or after December 1, 2021 and (2) had to be cancelled by the guest due to border closures, government mandates and certain other Omicron-related travel restrictions not in effect at the time of booking. If guests had reservations for stays with check-in dates on or after December 1, and they had to cancel in advance of check-in due to unexpected travel disruptions caused by government mandates, they are eligible for relief under this program. 

For example, if a traveler in October booked a stay in Israel with a check-in date for late December — and Israel’s restrictions on outside travel were announced after the date of booking but before the date of check-in —  this program would retroactively apply. However, if a traveler books a stay in Israel today while the same travel restrictions are already in place, the program would not apply. 

Guests can find full program details here and should contact our 24/7 Community Support team if they believe their reservations meet the program criteria.

This program is meant to support guests who have encountered extreme and unexpected government-mandated travel disruptions due to Omicron and through no fault of their own. Other circumstances such as a guest testing positive for COVID just prior to a reservation will still be covered by Airbnb’s Extenuating Circumstances policy and therefore will not be eligible under this new program. Additionally, extreme travel disruptions such as earthquakes, wildfires, etc. that are not related to COVID are also covered under Airbnb’s Extenuating Circumstances policy.

Despite Omicron, this New Year’s Eve nearly 4.5 million guests in 53,000 places around the world put their faith in our Hosts and platform to deliver safe and meaningful experiences. This represented our biggest night since the start of the pandemic. 

We will continue to emphasize responsible travel, including communicating updates about our forthcoming guest insurance product ahead of the Spring launch.

Forward-looking Statements

This press release contains forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 about us that involve substantial risks and uncertainties. All statements other than statements of historical facts contained in this press release, including, but not limited to, statements about our future performance, prospects, plans and objectives are forward-looking statements. 

In some cases, you can identify forward-looking statements because they contain words such as “may,” “will,” “plan,” “could,” “potential,” “objective,” or “continues” or the negative of these words or other similar terms or expressions that concern our expectations. Although we believe that we have a reasonable basis for each forward-looking statement contained in this press release, we cannot guarantee that the events and circumstances reflected in the forward-looking statements will be achieved or occur at all. 

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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

What to know about Airbnb insurance

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Key takeaways

• Renting your home on Airbnb may not be covered by your homeowners insurance if it is considered a business activity.
• Airbnb offers a free insurance plan called AirCover, but it may not cover all potential damages or liabilities.
• It is important to consult with a licensed insurance agent before listing your home on Airbnb to ensure you have proper coverage.
• Other home-sharing platforms, such as VRBO and Flipkey, may have different insurance coverage considerations.

Hosts that choose to rent out all or part of their homes on Airbnb are automatically enrolled in Airbnb’s free AirCover insurance plan. AirCover provides damage and liability protection, plus loss of income coverage if you need to cancel a listing due to guest-related damage. However, Airbnb’s AirCover plan may not be enough on its own to fully financially protect your home. Bankrate’s team of insurance experts explains what you need to know about home and Airbnb insurance before you list your property for rent.

Does homeowners insurance cover Airbnbs?

If you rent your property on Airbnb often enough for your home insurance provider to consider it a business, you likely won’t be covered. If you only rent on the occasional weekend, your home insurance policy may help to cover Airbnb losses like if a guest breaks your television set or a storm blows some shingles off your roof while the home is guest-occupied. But, it is ultimately up to your home insurance company to decide whether you renting out your home counts as a commercial activity, meaning you treat the home you own more as a business than a place you live. Home insurance is designed to financially protect a homeowner (and their financial lender) from unexpected losses — it is not designed to cover businesses.

Your home insurance policy might, however, extend coverage to Airbnb rentals if you rent the home infrequently, like once every few months. In that case, your carrier may view your home as your residence (not your business venture), and your insurance coverage would apply. But, depending on your home insurance company, you might need additional coverage like a standalone policy or home-sharing endorsement . For instance, Allstate offers a HostAdvantage endorsement on their home policy to cover home-sharing rentals. This protects you against things like theft and damage to items within the home.

With Airbnb, home insurance can get complicated. Before you list your home, set aside some time to speak with a licensed insurance agent. They can walk you through what’s covered — and what’s not — under your home insurance policy and help you identify any coverage gaps.  

What does Airbnb’s insurance cover?

Airbnb’s insurance coverage, called AirCover , provides liability insurance and financial protection to hosts for some guest-related damage. It also includes liability insurance for hosts that sell “Experiences” through Airbnb. This free coverage is designed to financially protect hosts and others involved in your rental, like co-hosts and cleaners.

AirCover Host damage protection

Host damage protection provides up to $3 million in coverage to financially protect hosts if a guest damages the inside or outside of their property , including the host’s personal belongings, appliances and vehicles. Some things it covers include:

• Damage to your home, property or belongings from a guest.
• Damage to your parked vehicles or boats caused by guests.
• Lost income if other bookings must be canceled due to unexpected guest damages.
• Extra cleaning required due to damage caused by guests.

AirCover Host liability coverage

The other component of AirCover is Host liability insurance . It offers up to $1 million in bodily injury liability coverage if a guest is injured on your property during their stay. It also includes coverage for a guest’s property that is damaged or stolen during their stay. Host liability insurance does not cover intentional damage, injury or situations covered under Host damage protection. Here’s what this policy type may cover:

• Bodily injury liability for guests and other people, like cleaners and Co-Hosts.
• Property damage coverage for guests’, cleaners’ and Co-Hosts’ personal belongings.
• Property damage in common areas, like building lobbies, caused by a guest.

What does AirCover not cover?

AirCover has some notable exclusions:

• Intentional damage or injuries
• Regular wear and tear 
• Cleaning and trash removal fees 
• Damage related to acts of nature like earthquakes, hurricanes, floods and severe weather
• Mold damage

Most of these things are already common home insurance exclusions , except for severe weather. Remember, if your home insurance company determines that you’re using your home as a business, your claim could be denied even if the damage results from a covered home insurance policy peril.

How to file a claim with AirCover

If you need to file a claim with Airbnb’s AirCover for Hosts, you can start a reimbursement request online for a damage protection claim. You must log into your account, select which reservation you are requesting reimbursement for, and follow the steps. For a Host liability insurance claim, you can fill out the liability claim form to submit, which will start the claims process.

Where to find insurance for Airbnbs

Airbnb insurance by itself may not be enough. To help fill in coverage gaps, some major insurers offer special insurance for Airbnb hosts, typically called short-term rental insurance . Depending on where you buy it from, short-term rental insurance may be available as an add-on to your home insurance or as a separate policy. These insurers include:

• Proper Insurance
• Liberty Mutual

Landlord insurance may also act as insurance for Airbnb hosts, but this will also depend on where you buy your policy. Some landlord insurance providers will not cover a property that is left vacant for long periods of time, which is something an Airbnb host could run into. Speaking with a licensed insurance agent can ensure that the Airbnb insurance coverage you’re purchasing will cover what you need it to.

Insurance for other rental sites

If you rent your home through a site other than Airbnb, you’ll likely still need to have some type of short-term rental insurance in place to protect your investment. Here are some of the insurance coverage considerations from other popular home-sharing platforms:

• VRBO: VRBO provides $1 million in liability coverage for stays that are processed through the HomeAway checkout platform. The policy does not include coverage for damage that tenants cause to your property.
• FlipKey: While FlipKey doesn’t offer its own insurance policy for hosts, it does suggest that hosts talk with their insurance agents about their needs so that hosts have adequate financial protection.
• Onefinestay: Onefinestay has an insurance policy for hosts, which covers theft and damage . However, the company recommends that hosts check their existing policies for coverage and notes that hosts can purchase their own coverage.
• Booking.com: Booking.com provides homeowners and property managers with $1 million in liability coverage at no additional charge. Unlike Airbnb, homeowners must opt-in for Booking.com coverage.

Frequently asked questions

Is airbnb insurance enough, is aircover free, does airbnb offer travel insurance, do i need to tell home insurance about airbnb.

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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 France) 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 cancelled, 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 licence number 6001912), which is licensed as an insurance agency in all states of the US and the District of Columbia, and underwritten by Generali US Branch (NAIC #11231) of New York, NY. Generali US Branch operates in the following jurisdictions under these names: California: Generali Assicurazioni Generali SPA (US Branch); Colorado: Assicurazioni Generali – (US Branch); Oregon: Generali US Branch DBA The General Insurance Company of Trieste & Venice; Virginia: The General Insurance Company of Trieste and Venice – (US Branch). The insurance policy benefits and services are described on a general basis and are subject to certain conditions and exclusions.

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 SAU with Airbnb Marketing Services SLU 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 SA 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 SA UK Branch. Europ Assistance SA is supervised by the French Supervisory authority (ACPR), 4 Place de Budapest, CS92459 – 75436 Paris Cedex 09, France. Europ Assistance SA 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, which 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.

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Travel | travel troubleshooter: airbnb host banned after spilling food in another host’s home.

I have 10 years of positive reviews. I am also an Airbnb host, so this affects my ability to earn money. Can you help me get Airbnb to reverse its ban?

— River Roberts, Lisbon, Portugal

ANSWER: Banning you for an accidental spill on a host’s sofa seems like an overreaction. So, what’s going on? I reviewed the correspondence between you and Airbnb, and it looks like your communications with the host were cordial. You spilled food on a sofa, and it needed to be professionally cleaned. It looks like your host had never filed a claim with Airbnb before your mishap and didn’t fully understand how seriously a claim would be taken by the platform.

I didn’t know either. But filing a claim against your insurance (part of the company’s AirCover for Hosts program) is apparently taken quite seriously. One of the possible outcomes, as you now know, is that you can get removed from the platform.

Did you violate Airbnb’s ground rules for guests? Technically, yes. Airbnb requires you to keep a rental clean, litter-free and undamaged. “Guests should not leave the listing in a state that requires excessive or deep cleaning (moldy dishes, soiled carpets, stains from pets, etc.),” it says.

But you did follow Airbnb’s guidance when it comes to damage. If there’s damage to the home, Airbnb requires that you inform the host as soon as possible and work to find “a reasonable solution.” Based on the correspondence between you and the host, it looks like you were agreeable to paying for the damage.

So, what happened? I suspect Airbnb used some kind of artificial intelligence to review the complaint and decide how to handle it, because a person would have never banned you from the platform. The correspondence between you and the host shows that you were cooperative.

An appeal to one of the executives at Airbnb might have made a difference. I publish their names and numbers on my consumer advocacy site, Elliott.org . But this case would take more than an appeal to get resolved.

You reached out to the host and had a conversation with him, host to host. You explained that after your host filed a claim, Airbnb had banned you and disabled your hosting account, so you are completely off the platform now. The host was surprised and agreed that banning you was an overreaction. He decided to write to Airbnb on your behalf, asking for you to be reinstated.

I contacted Airbnb separately. I was genuinely worried that the same thing could happen to me if I had an accidental spill on a sofa while staying at an Airbnb.

The company reviewed your request and sent you some good news. “After careful review of all documentation and related communication provided by both parties, we’ve decided not to charge you for the damage that occurred during your stay. I have also reactivated your Airbnb account. You should have access to it immediately,” a representative wrote. (This time, it definitely came from a real person.)

I hope that if the tables are ever turned and someone spills something on a sofa in your Airbnb rental, you will remember this incident and try to work it out without getting AirCover involved. Otherwise, I will have another case on my hands.

Christopher Elliott is the founder of Elliott Advocacy , a nonprofit organization that helps consumers solve their problems. Email him at [email protected] or get help by contacting him at elliottadvocacy.org/help/ . (c) 2024 Christopher Elliott Distributed by King Features Syndicate, Inc.

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6 Ways To Book the Perfect Airbnb [Research, Reviews, Ratings & More!]

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Table of Contents

1. be willing to do the research, 2. consider airbnbs with multiple reviews and high ratings, 3. make a wishlist of your favorite airbnb listings, 4. communicate with hosts, 5. look through previous guest reviews, 6. have fun with the process, final thoughts.

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Let’s be real: There are times when renting an Airbnb makes more sense than using points for a hotel stay. Whether you love or loathe Airbnb, securing the perfect home rental requires more effort than simply booking a hotel room.

Investing time and effort in selecting the perfect Airbnb for your travel needs is critically important.

Are you interested in finding out the distance between the Airbnb and a nearby attraction? Maybe you would like confirmation on the number of beds available in the listing or whether the host allows early check-in. Unfortunately, in many cases, the only way to obtain answers to these questions is by reaching out to your potential Airbnb hosts.

I’ve stayed in over 100 Airbnb properties , all of which I’ve personally vetted and researched, and most of my stays (minus a handful) have been excellent and without incident.

These are the 6 steps I take every time I book an Airbnb to ensure I find the ideal home for my needs .

I frequently stay at hotels, but I also consider Airbnb as an alternative when there are no high-quality hotels available or when the destination I’m considering has a thriving Airbnb market.

Whenever I have the opportunity, I choose Hyatt for my travels because I am a top-tier Globalist with the World of Hyatt loyalty program. Thanks to the hotel points I earn every year from travel credit cards and co-branded hotel credit cards , I have both of these lodging choices at my disposal.

One key distinction between hotels and Airbnb is the level of trust in staying at a hotel . When you select a well-known hotel chain, you can confidently make your booking fully aware of what to expect. There are websites that offer valuable hotel reviews, or you may have friends who have stayed at these hotels and can personally vouch for them.

However, because each Airbnb home is unique, you must be willing to devote extra time to researching and reading through Airbnb listings in your selected destination.

The overall rating of an Airbnb listing is made up of 6 different factors : cleanliness, accuracy, check-in, communication, location, and value . Guests can grade hosts in each category on a scale of 1 to 5 , with 1 being the lowest and 5 being the highest. This rating provides a good indication of the quality of both the Airbnb host and the listing itself.

When researching Airbnb listings, I look for those with an overall rating of at least 4.8 out of a total possible 5.0 score . While a low rating in specific categories may be a red flag, a score of 4.8 or higher usually indicates high-quality listings and hosts .

In addition to a high overall rating, to maximize my chances of being satisfied with my choice, I never reserve an Airbnb without any reviews , no matter how nice it appears. I believe in the tried-and-true technique of others before me staying at the listing and having a positive enough experience to write a review about it. While I don’t aim for a set number of reviews, my rule of thumb is double digits or greater .

You may have your own standards for what makes or breaks an Airbnb, but for me, a minimum overall rating of 4.8 and several positive reviews are must-haves.

Airbnb and Vrbo are the 2 dominant players in the home-sharing market, each with unique characteristics. Check out our in-depth comparison of Vrbo vs. Airbnb for both guests and hosts.

If you find the idea of spending hours researching Airbnb listings to be overwhelming, a helpful solution is to create what Airbnb calls a “ wishlist ” and focus your time on reviewing only those listings.

A wishlist is a collection of homes that you can mark with a heart to indicate your interest and save for future reference.

This list is designed to help you narrow down your Airbnb options from a wide range to just a few.

Whenever I start browsing Airbnb listings in a particular area, I typically add 10 to 12 listings to my wishlist. After carefully considering my options and reviewing each, I narrow my wishlist to a few top contenders — typically around 5 listings .

After thoroughly evaluating the remaining top choices on my wishlist, I find it much easier to select the perfect Airbnb from a well-reviewed selection of exceptional listings.

How quickly a host responds to potential guests is crucial to whether a listing on my wishlist progresses or is removed.

I recommend anyone considering booking an Airbnb to avoid the instant book tool and always contact the hosts first . Share some information about yourself, your trip’s purpose, and any particular questions you have about the listing (location, amenities, check-in procedure, etc.).

Now is the perfect time to assess the host’s responsiveness and willingness to assist. Look for the tone of their response. Is it friendly? Are they terse? Did they not provide an answer to your question?

An excellent host will answer your inquiry promptly and thoroughly. Once you’ve got a better feel for the host, you can then decide whether their Airbnb listing is worth considering.

If possible, look for Airbnb Superhosts, who are experienced hosts who consistently provide exceptional hospitality to guests. They are known for their quick responses to inquiries and favorable reviews. The host’s listing will proudly showcase a badge that signifies their noteworthy status as a Superhost.

Guest reviews are the most reliable way to gauge the level of satisfaction of an Airbnb experience . When an Airbnb is reviewed by numerous guests and receives high guest scores, it’s an encouraging sign that you’ll also have a good experience with your host and listing. The power of collective feedback cannot be underestimated.

Exploring the reviews further can be the difference between having a positive experience and ending up utterly disappointed with your Airbnb . Look at the reviews left by previous guests and use specific keyword search terms to find reviews that reference them .

For instance, I am a notoriously light sleeper and require near-complete silence to sleep peacefully. When I’m sifting through reviews of Airbnb listings, I will input keywords such as   “noise” or “sleep” to check if any previous guests have made related comments.

Another scenario in the reviews search field would be if I wanted to know if an Airbnb was situated near a particular attraction.

For instance, let’s say I’m searching for Airbnb listings in Rome and would prefer to be within walking distance of the Vatican. If the listing does not clearly mention its proximity to the Vatican, I would suggest searching for “Vatican” in the reviews to see if any guests have mentioned the distance between the Airbnb and the Vatican. This information would be extremely valuable to me as I evaluate Airbnb listings that are conveniently near the Vatican, which is my preference.

By digging further into the reviews, you can discover additional information about the Airbnb that you may not have known otherwise.

First and foremost, I recognize that most individuals have busy schedules and prefer not to spend excessive time deciding on where to stay for a trip. However, when it comes to choosing the perfect Airbnb, it’s important to dedicate time to research . Each listing has its own qualities that set it apart.

Additionally, there is nothing more satisfying than conducting thorough research and investing time in finding an Airbnb that not only fulfills your needs but also enhances your travel experience and suits every person in your party.

Try to enjoy the process as much as possible. Get your friends and family involved. Share your wishlist with them and ask for feedback. After discussing the options with those individuals traveling with you, remove listings from your wishlist that do not meet your criteria.

By enlisting the support of others in the Airbnb selection process, you not only make the vetting process more enjoyable but also reduce the wishlist to only a few possibilities, bringing you closer to your final decision.

While it may not be your favorite pastime, dedicating a little time to finding the ideal Airbnb for you will ultimately pay off. Once you’ve found the perfect one, you’ll appreciate the effort, and future searches will be less burdensome.

Sure, booking an Airbnb may be riskier than booking a hotel stay. After all, you know precisely what you’re getting when you reserve a room with an internationally-recognized hotel chain. However, it does not have to be risky.

By following the tactical actions outlined in this article, you will likely boost your chances of having a positive Airbnb experience, which will only add another tool to your travel toolbox.

Frequently Asked Questions

What is airbnb and how does it work.

Airbnb is an internet platform for booking accommodations such as holiday homes, private rooms, shared rooms, and hotel rooms. Hosts place their properties for rent, specify the available dates and prices, and guests can book them online or on the Airbnb app.

Does Airbnb enable you to message a host prior to booking their home?

Yes, you can send a private message to the host of an Airbnb rental you’re interested in. In fact, this is exactly what you should do before booking a rental so that you can thoroughly evaluate the host’s responsiveness and have any questions concerning the rental answered.

What is an Airbnb Wishlist?

Wishlists are a collection of bookmarked Airbnb properties that guests can “heart” and return to when they are ready to book.

How do I know I'm choosing a good Airbnb?

To increase your chances of finding a good Airbnb, it is important to carefully examine the reviews and consider the number of reviews from past guests when looking at listings. It is also advisable to prioritize Superhosts, those hosts who go above and beyond for guests, or hosts with ratings of 4.8 or higher on a 5-point scale.

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About Juan Ruiz

Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been featured in various prestigious publications, such as USA Today, CNN Underscored, Forbes and The Points Guy. Juan is the visionary behind JetBetter, a premier award booking concierge service.

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Barcelona's Airbnb ban: a sign of things to come?

The mayor of Barcelona wants to ban short-term holiday lets in the city by 2028 in an "unexpectedly drastic move", said Sky News .

Jaume Collboni said he would drive Airbnb out of Catalonia's capital by not renewing licences for the 10,100 flats approved for short-term rental when they expire in 2028. Those apartments "will be used by the city's residents or will go on the market for rent or sale", he said, which would tackle the "largest problem" in Spain's most visited city.

Critics blame short-term rentals for skyrocketing rents and housing costs that are pricing out locals, amid a growing anti-tourism movement in Spain and around the world . "The decision puts the Catalan city at the forefront of a backlash against the effect of online-based short-stay rentals on cities," said The Times , "with the most radical global measure yet."

'With hordes of visitors comes great irresponsibility'

Barcelona is the "victim of its own success", said The Times in an editorial. Spain is the second most visited country in the world after France, and Barcelona attracted 10 million visitors last year. But that has created an " explosion in short-term rentals ", many of which are advertised through Airbnb.

Rents in the city have increased by 70% over the past decade, and the cost of buying a house by nearly 40%. In 2016, Barcelona became the first major European city to fine Airbnb for its users letting unregistered properties, and cracked down on illegal apartments altogether. No new short-term licences have been granted since, and nearly 10,000 illegal apartments have been shut. Almost 3,500 are said to have been recovered as primary housing for local residents. Collboni believes that this latest move will "restore some fairness to Barcelona's overheated housing market".

You might say Barcelona is "taking back control of its private rental sector from the disruptor platform", said Paul Clements in The Independent – and "there are plenty of places in Britain that would like to follow their lead". Since its European launch in 2010, Airbnb has "dramatically reshaped short-term lettings markets, depleting housing stock with a negative knock-on for residents' rents". Just ask locals in Britain's "prettiest seaside villages – if you can find them ".

Local governments in Lisbon, Berlin and the Canary Islands have announced restrictions on short-term rentals, and last September New York began enforcing a 2022 law that banned people from renting their homes for fewer than 30 days – a de facto ban on Airbnb. Similar legislation was set to kick in in Ireland in 2022, but has since been held up.

Yes, AirBnb "helped create new demand", said Clements. It "stretched the average tourist's length of stay", which has enabled "more than $10 billion in tourism taxes to be generated around the world". However, "with hordes of visitors comes great irresponsibility".

'Protesters should be careful what they wish for'

But anti-tourism protesters may be biting the hand that feeds them, said MailOnline . Take Mallorca . Last month up to 15,000 people took to the streets of Palma, the capital of the popular Balearic island, carrying posters that read "SOS residents" and "Enough mass tourism". Similar protests have taken place in Ibiza.

The Balearic president has said that Mallorca's 20 million annual tourists are "not sustainable". But tourism accounts for about 45% of the Balearic Islands' GDP, according to industry organisation Exceltur quoted in The Independent . Nearly half of those living in Mallorca are employed by the tourism industry

And protests are already putting off visitors. About 44% of those recently polled by Majorca Daily Bulletin said they would think twice about booking a holiday to the island. "If this survey is accurate, local protesters should be careful what they wish for," Paul Charles, CEO of travel consultancy The PC Agency, told MailOnline. It would be "a disaster for the area if the protests, however valid, cut off the flow of visitors and reduce income".

In Barcelona, Collboni is "making a mistake that will lead to higher poverty and unemployment", said the city's tourist apartments association Apartur.

Ultimately, the sentiment against mass tourism is understandable but "the dangers are obvious", said The Times. After all, 11% of Spain's GDP comes from tourism. "Regarding the hospitality industry, the clue is in the name. Barcelona may come to regret its hostility to visitors."

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