Trip insurance (travel cover)
- Typical cover: cancellation for listed reasons, interruption, some medical/baggage while travelling.
- Check: covered reasons, excess, caps, documentation requirements.
- Exclusions: pre-existing conditions (unless waived), known events, risky activities without proper cover.
Damage protection (property)
Covers accidental damage to the place you rent (e.g., broken glass, stains). Hosts may use refundable deposits or pre-auth holds; these drop automatically after the stated window if no claim is made. Limits and claim steps vary — read the small print.
When UK travellers consider insurance
- High booking value or strict cancellation policy.
- Winter travel/strike-prone periods; health considerations.
- Trips with children or pets (higher accident risk).
Hot tubs, pools & winter fuel
Clarify if there’s a separate heating fee or seasonal restrictions. Some policies exclude water-related damage or require specific use rules (covers closed, no glass outside).
How to decide quickly
- Calculate exposure (non-refundable total × likelihood of change).
- Compare policy price vs risk; check exclusions carefully.
- Keep documents and photos; contact support promptly if you need to claim.
We’re independent, not giving legal/financial advice. Review the exact wording in your Vrbo checkout and the insurer’s documents.