Trip Insurance is an automatically enabled upsell that allows eligible guests to purchase coverage for their reservation after booking and up to 48 hours before check-in.
You earn commission on a Trip Insurance purchase as long as the guest does not cancel their Trip Insurance coverage within the applicable cancellation window. This applies even if the reservation itself is cancelled. Commission is paid the day after the reservation’s scheduled check-in date.
On the Essentials subscription plan, commission is paid as credits rather than cash, and Trip Insurance cannot be disabled.
Trip Insurance is currently available for properties using USD with a U.S. payout method.
What Is Trip Insurance?
Trip Insurance helps guests protect their reservation from financial loss due to unexpected events.
Hospitable partners with RentalGuardian to offer two types of protection:
Standard Trip Protection: Costs 7.5% of the booking total.
Cancel For Any Reason (CFAR): Costs 11.25% of the booking total and provides broader cancellation flexibility.
Coverage availability depends on the guest's location and booking timing. Hospitable evaluates these conditions automatically.
If CFAR is unavailable in the guest's area, the guest will see a message explaining that they can still purchase standard Trip Insurance.
View what trip insurance typically does / does not cover
View what trip insurance typically does / does not cover
✅ Typically covers:
(Coverage varies depending on the specific policy.)
Trip cancellation (for approved reasons)
Trip interruption
Some travel-related emergencies
Unexpected events described in the policy document
CFAR (when eligible) offers even broader cancellation flexibility.
Coverage limits for the standard Trip insurance policy:
❌ Typically doesn’t cover:
All scenarios—coverage is based on carrier rules
Cancellations outside policy windows or rules
Guests located in restricted regions
Refunds after purchase unless policy rules allow
Guests always see full policy details before completing their purchase.
Why Guests May Want Trip Insurance
Guests may choose Trip Insurance for financial protection against unexpected events that could affect their stay, including:
Illness or other health issues
Weather or travel delays
Family emergencies
Trip interruptions
Cancellations affecting non-refundable bookings
How Trip Insurance Works in Hospitable
Hospitable automatically creates and enables the Trip Insurance upsell for eligible properties.
You can verify whether it is enabled under Guest Experience → Upsells. If your plan allows it, you can also disable it there.
Eligible guests may be offered Trip Insurance in the Guest Portal:
At the end of a check-in form, rental agreement, security deposit, or ID verification task, when applicable.
As a standalone tile in the Guest Portal if you do not use check-in tasks.
The guest chooses whether to purchase Trip Insurance.
If purchased, coverage is issued automatically through RentalGuardian.
If the Trip Insurance purchase reaches check-in, you earn commission. Commission is paid out the day after check-in.
A Trip Insurance sale does not guarantee commission. Commission is earned when the Trip Insurance purchase reaches check-in. If the guest cancels their coverage within the applicable cancellation window, no commission is earned.
The Trip Insurance upsell displayed under Guest Experience and Upsells in Hospitable.
Eligibility and When Coverage Is Hidden
Even when Trip Insurance is enabled for a property, coverage may not be available to every guest.
Eligibility depends on factors including:
The guest's country of origin
Booking timing
Whether coverage can be issued for the reservation
Hospitable evaluates these conditions automatically and only displays Trip Insurance when coverage can be offered.
View full eligibility criteria
View full eligibility criteria
🚫 Trip Insurance is hidden entirely when:
The guest’s residency address is in:
Quebec
Restricted or war-torn countries: Afghanistan, Antarctica, Cayman Islands, Cuba, Ghana, Iran, Iraq, Israel, North Korea, Libya, Mali, Niger, Nigeria, Somalia, South Sudan, Sudan, Syria
🚫 CFAR coverage is hidden when:
More than 14 days have passed since the booking was made
Check-in is in less than 30 days
The guest's residency address is:
Outside the U.S. or Canada
In New York or Quebec
🚫 Additional restriction:
Trip Insurance will also be hidden when:
Check-in is in less than 30 days, and it has been more than 5 days since the booking.
There are over 10 guests on the booking
These rules may be updated from time to time to remain compliant with carrier requirements.
How Trip Insurance Commission Works
You earn commission when a guest purchases Trip Insurance and does not cancel their coverage within the applicable cancellation window. The reservation itself does not need to remain active for you to earn commission. If the reservation is cancelled but the guest keeps their Trip Insurance coverage, you still earn commission.
If the guest cancels their Trip Insurance coverage within the applicable cancellation window, no commission is earned.
The exact commission amount varies based on the guest's country of residence and standard processing fees. Non-U.S. guests may generate a lower commission.
For example, for a $1,000 booking from a U.S. guest:
The Trip Insurance premium would be approximately $75.
Your commission would be approximately $16.
The commission amount varies depending on the guest's country of residence.
To receive commission payouts, you need a verified payout method under Settings → Payments & Payouts.
Once your payout method is verified:
Commission is paid out the day after check-in for the reservation.
Commission appears alongside your regular Hospitable payouts.
If you do not have a verified payout method, Hospitable continues accumulating your commission until you add one.
On average, hosts earn $41 per month per property from Trip Insurance sales.
How Guests File a Claim
Guests manage Trip Insurance claims themselves. Hosts do not need to file or manage claims on their behalf.
If a guest asks how to file a claim, direct them to:
Open the Guest Portal.
Go to Upsells Purchased.
Open their Trip Insurance policy.
The guest can find:
Their policy number
Coverage description
Claims contact information
Filing instructions
External links, when applicable
How Guests Cancel Trip Insurance
Guests can cancel their Trip Insurance from the Guest Portal if they are still within the applicable cancellation window.
To cancel coverage, the guest should:
Log in to the Guest Portal.
Go to Purchased upgrades.
Open the Trip Insurance section.
Click Cancel Coverage.
Enter the reason for cancellation.
Click Yes, cancel my coverage to confirm.
After cancellation, the Trip Insurance status changes to Cancelled, and the refund is automatically issued to the original payment method.
The Cancel Coverage option only appears while the guest is within the applicable cancellation window. If coverage is cancelled within this window, no commission is earned.
The Trip Insurance details in the Hospitable Guest Portal with the Cancel Coverage option available.
See the Guest Trip Insurance Experience
You can use the Storylane walkthrough to see how Trip Insurance appears to guests, including its placement in the Guest Portal and check-in flow.
Help Guests Discover Trip Insurance
Trip Insurance can only be purchased through the Guest Portal. Guests who do not visit the Guest Portal will not have an opportunity to purchase coverage.
To make Trip Insurance visible to guests:
Enable the Trip Insurance messaging rule that Hospitable automatically creates.
Add the
%%trip_insurance%%custom code to your New Reservation message or a follow-up message. This explains Trip Insurance and directs the guest to the Guest Portal.Use the Guest Portal for other guest tasks, such as rental agreements, ID verification, security deposits, and upsells.
Guests may also encounter other available upsells in the Guest Portal, such as:
Early check-in or late checkout
Welcome baskets
Equipment rentals
Local experiences