InsuraGuest
Overview
InsuraGuest is an innovative insuretech company providing digital insurance solutions and specialized insurance coverage to vacation rental property managers. InsuraGuest offers your visitors accident and health insurance in addition to property damage insurance for things in your vacation rental.
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Pricing
Insuraguest has two coverage levels offered for a flat monthly fee.
$60/mo.
- Accidental Medical: $10,000
- Property Damage: $10,000
- Theft Coverage: $2,500
$90/mo.
- Accidental Medical: $25,000
- Property Damage: $25,000
- Theft Coverage: $2,500
Recommended for the Following
Individual Self-Managing Property Owners – Yes
Property Managers and Co-hosts – Yes
Features
Available Coverages
- Accidental Medical
- Up to $25,000 ($90/mo subscription) or $10,000 ($60/mo subscription) medical benefit for when guests incur injuries during a stay.
- Theft
- $2,500 coverage / $500 deductible.
- Coverage for when items come up missing during a guest stay.
- Comprehensive Coverage
- Covers gaps between guests 365 days a year.
- Quick and efficient claims processing.
- Pre-integrated with top PMS systems.
- Easy to use.
- Property Damage
- Up to $25,000 for the $90/mo subscription or $10,000 for the $60/mo subscription of property damage coverage with only $100 deductible for when your property gets damaged during a guest stay.
- Repair or replacement cost coverage for your home’s contents.
- Property damage caused by a guest.
- Death
- $5,000 coverage / $0 deductible.
- Coverage for accidental death or dismemberment.
Cost Sharing
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- Bill your guests a small insurance fee per reservation, or per night to help lower your costs, and increase your profits.
- Replace cumbersome security deposits guests hate to pay.
Claims Process
- Most claims are paid within 72 hours.
- Insufficient information regarding a claim may delay the processing of the claim by InsuraGuest or may result in the denial of the claim.
Integrations/ Partners
- Airbnb
- Vrbo
- Booking.com
- Hostfully
- Guesty
- Hostaway
- Hostify
- Tokeet
- IGMS
- LMPM
- Track
- OwnerRez
- Lodgify
- Home to go
- GoLightly
- Tripadvisor
- Yonder
- Homads
- BringFido
- 9Flats.com
- Homestay.com
- Vacaymyway
- Kid & Coe
- Misterb&b
Customer Support
- Email and phone
Pros
- Up to $25,000 in no-fault accidental medical benefits when guests are injured during a stay at your property.
- Most claims are paid within 72 hours.
- Insuraguest integrates with numerous PMS platforms and OTAs.
Cons
- Insuraguest pays a predetermined fixed amount for the repair or replacement of items in your property regardless of the actual cost to repair or replace the items. Properties with high-end decor and furnishings may not receive sufficient payment to cover the true cost to repair or replacement costs.
- Be sure to ask for a copy of the Accidental Medical Summary of Coverage for both the $10,000 and $25,000 policies so you can be aware of the scope and limitations of coverage and determine if it provides adequate coverage for your needs.
- Medical expenses could quickly exceed the $25,000 maximum offered by Insuraguest.
Customer Reviews
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