Vacation Rental Travel Insurance Plans

Understand the importance of a vacation rental travel insurance plan for your next trip and make sure you’re covered with the right Travel Guard plan.

Travelers today have more options than just a traditional hotel when it comes to choosing accommodations. Booking a vacation rental home can give you more space, privacy and location options. Plus, your vacation rental can often be big part of your travel experience with amenities like private pools, campfires and beach or lake access. However, non-refundable deposits and restrictive cancellation policies can leave your travel investment at risk should you need to change your plans. Travel Guard plans offer coverage helpful for vacation rentals like trip cancellation/interruption coverage, rental home lockout inconvenience coverage and rental car insurance.

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Travel Guard’s award-winning travel insurance plans provide excellent coverage options and access to 24-hour emergency travel assistance. Compare our travel insurance plans to find the best option for your travels today. Get travel insurance the way you want it!

What is a vacation rental travel insurance plan?

Vacation rental travel insurance plans help cover your travel investment when traveling to a vacation rental property. This can be a smart move since cancellation policies often vary from rental to rental, and there’s often uncertainty around travel changes. Travel Guard’s travel insurance plans can help protect your travel investment, so you have the flexibility you need. Several Travel Guard plans offer Trip Exchange, which can reimburse you for certain costs associated with shifting your travel dates on your reservation.

What does a vacation rental travel insurance plan cover?

Travel Guard offers customizable travel insurance plans for your vacation. Look for a plan that has the benefit limits and coverage you need. Popular plan features include:

  • Medical expense coverage
  • Trip cancellation/interruption coverage
  • Baggage coverage
  • Trip exchange coverage – the flexibility to adjust your travel dates
  • Rental home lockout coverage
  • Car rental coverage
  • Lodging expense – coverage for reentry requirements into the U.S (optional add-on coverage available with certain plans).
  • Cancel for Any Reason (optional add-on coverage available with certain plans)
  • Emergency travel assistance – specialized representatives are available day or night for unexpected travel issues

Do I need a vacation rental travel insurance plan?

For any vacation it’s smart to cover your travel investment, but it can be even more important with a vacation rental. Restrictive cancellations policies and lack of flexibility can leave your travel investment at risk. That’s why Travel Guard’s Deluxe Plan or Preferred Plan are smart options for vacation rental travel insurance, both offer optional add-ons that allow you to customize your plan to fit your needs. Plus, all of Travel Guard’s travel insurance plans come with access to our specially trained representatives for 24/7 emergency travel assistance

Which Travel Guard insurance plan is best for my vacation rental trip?

Travel Guard’s Preferred Plan is a great option for travelers looking to book a vacation rental. As our most popular plan, the Preferred Plan offers great coverage limits and a comprehensive suite of benefits. It’s also customizable and can be tailored to your specific needs – add cancel for any reason or Travel Guard’s rental vehicle damage coverage to create just what you need.

How much does a vacation rental travel insurance plan cost?

A travel insurance plan typically costs between 5-7% of your total trip cost. There are several factors at play when pricing your insurance like the product you select and any add-ons you choose. Check out our article on how much travel insurance costs for even more detail.

Does a travel insurance plan cover vacation rentals?

Your Travel Guard travel insurance plan can cover the pre-paid, non-refundable costs of your trip. This can include your vacation rental as well. Be sure and read the cancellation policy of your rental, and the terms and conditions of the travel insurance plan, so you understand the options as you choose the right travel insurance plan for you.

Why purchase your vacation rental travel insurance plan through Travel Guard?

Travel Guard is one of the world’s leading travel insurance providers with a network of service centers located in Asia, Europe and the Americas, ensuring the highest quality emergency travel services and medical assistance while you’re traveling. With early purchase benefits and optional add-on coverages, you can customize the plan and coverages you need for your vacation investment.

Get travel insurance the way you want it!

Reviews and Testimonials


“While on vacation in Puerto Vallarta, Mexico I had a health issue that required an ambulance ride to the hospital and a 5-hour stay at the hospital. As soon as the doctors had me stabilized, I gave my Travel Guard insurance card to my son-in-law and asked him to call the 800 number. After about 10 minutes he had everything squared away, and as soon as we returned to our hotel, I had an email from Travel Guard with a claim number and complete instructions for filing the claim.

When I returned home a few days later I filed all the requested paperwork and Travel Guard reimbursed me for the entire $2,100 out-of-pocket expense I had incurred. There were no issues with the claim and the entire process went smoothly. I had a check within one month. You can bet I will always use Travel Guard whenever traveling. After the experience I had it will give me peace of mind to know I am protected.”

- Rod L.

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Coverage available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.