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Both AirCover, provided as standard through Airbnb, and travel insurance, a purchase guests can make separately—through Generali in the United States or through Europ Assistance in the European Union or United Kingdom—during checkout, can help you recover if something unexpected comes up.

What is AirCover and what is travel insurance?

AirCover is free protection for your booking, included for every guest. It helps you get refunded or find a new place to stay if you experience an unlikely issue like a Host cancellation, trouble checking in, or a missing key amenity. AirCover is not travel insurance. Learn more about AirCover for Hosts and guests.

Travel insurance, on the other hand, is an insurance policy guests in the US, UK, and some EU countries may purchase for an additional premium when making an Airbnb booking. The insurance policy is underwritten by a third party insurance carrier, Generali in the US or Europ Assistance SA in the EU or UK. It includes coverage for trip cancellation, travel delay, medical, luggage, and more. Learn more about what’s covered. 

How AirCover works with travel insurance

Here’s an example of how AirCover and travel insurance can work together.

You arrive at your destination late at night. Your Host messages you saying they have to cancel your reservation. Then you learn that the airline has sent your baggage to the wrong city and you won’t get it back for at least 24 hours.

In this situation, AirCover can help you find a new place to stay right away. If you purchased travel 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 license number 6001912), which is licensed as an insurance agency in all states of the U.S. and the District of Columbia, and underwritten by Generali US Branch (NAIC #11231) of New York, N.Y. Generali US Branch operates in the following jurisdictions under these names: California: Generali Assicurazioni Generali S.P.A. (U.S. Branch); Colorado: Assicurazioni Generali – (U.S. Branch); Oregon: Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice; Virginia: The General Insurance Company of Trieste and Venice – (U.S. 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 S.A.U. with Airbnb Marketing Services S.L.U. 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 UK residents, the travel insurance policy described in this article is underwritten by Europ Assistance S.A. UK Branch. Europ Assistance S.A. is supervised by the French Supervisory authority (ACPR), 4, place de Budapest, CS92459 - 75436 Paris Cedex 09, France. Europ Assistance S.A. 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.

For UK residents, this travel insurance is arranged by Airbnb UK Services Limited. Airbnb UK Services Limited is an appointed representative of Aon UK Limited, who 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.