Travel concierge services go beyond booking flights and hotels. They offer personalized assistance for every leg of your journey—from crafting itineraries and securing restaurant reservations to organizing medical care abroad. At Benada Hospitality, our concierge team works directly with travelers to create seamless, tailored experiences that match personal preferences and special requirements.
But while these services are luxurious and incredibly convenient, many travelers wonder: Are they covered by insurance?
Before diving into concierge fees, it’s essential to understand the basics of what most travel insurance policies include.
Common Inclusions in Travel Insurance
- Trip Cancellation or Interruption: Covers costs if you cancel or cut your trip short due to illness, emergency, or unforeseen events.
- Medical Emergencies: Pays for hospital visits, treatment, or medical evacuation abroad.
- Lost Luggage or Personal Items: Reimbursement for lost or stolen belongings.
- Flight Delays or Missed Connections: Compensation for disrupted schedules.
Optional Add-Ons
Some insurance providers offer premium plans that include:
- Cancel-for-any-reason coverage
- Rental car protection
- Adventure sports coverage
- Identity theft assistance
Concierge services, however, are rarely listed among these core or optional offerings.
Are Concierge Fees Covered? Short Answer: Usually Not
Most standard travel insurance policies do not cover concierge service fees. These fees are seen as optional luxury services rather than necessities or emergencies. Insurance companies generally focus on mitigating financial risk from unexpected events, not pre-planned services like travel concierge assistance.
When Concierge Services Might Be Reimbursed, That doesn’t mean you’ll never see coverage overlap. Here are a few exceptions:
Medical Concierge Services During Emergencies
If a concierge arranges medical care or emergency transportation during your trip, and these services are medically necessary, your insurance might reimburse the related costs—but not the concierge’s fee itself. Instead, the expenses (hospital stays, physician fees, ambulance) may be covered under the emergency medical benefit.
At Benada Hospitality, our medical travel concierge services involve coordinating with top healthcare providers, arranging hotel stays near hospitals, and assisting with pre- and post-treatment needs. These elements add value and safety to your trip, especially when health concerns are a priority.
Concierge Services Provided by Insurance Companies
Some premium insurance providers—particularly those offering concierge-level coverage for VIP clients—do include their own version of travel concierge assistance. This might involve helping you find medical care, rebooking flights, or arranging new accommodations in case of an emergency. However, this is provided by the insurer directly, not reimbursed if hired independently.
Why Concierge Services Are Still Worth It?
Even if they aren’t covered by insurance, travel concierge services offer real, tangible value—especially when working with professionals like those at Benada Hospitality. Here’s why:
Save Time, Avoid Mistakes
Planning a multi-destination trip, booking for a group, or preparing for travel with medical needs takes time and precision. Concierge services prevent missteps and handle all the details you don’t want to.
Personalization You Can’t Get Online
No website or app can replicate the one-on-one attention of a professional concierge who knows your preferences, needs, and limitations.
Emergency Readiness
Even without insurance reimbursement, having a concierge service in place during an emergency—whether it’s illness, a missed flight, or lost luggage—can reduce stress and resolve issues faster than going it alone.
Business and Medical Travel
If you’re traveling for a conference, receiving treatment, or moving with a group, concierge services ensure everything runs like clockwork. Benada Hospitality offers bespoke travel solutions for all of these scenarios, including itinerary planning, local logistics, and even on-the-ground support in North America.
Tips for Travelers Considering Insurance and Concierge Services
- Review Your Policy Thoroughly: Know what’s included and excluded. Some premium plans come with concierge-like services, but they vary.
- Separate the Two in Your Budget: Don’t assume concierge fees will be covered—factor them into your trip costs from the start.
- Keep Receipts and Records: In the rare case that part of a concierge-arranged service is reimbursable (like a hospital transfer), you’ll need documentation.
- Use Concierge Strategically: Let them handle the hard stuff—visas, complex itineraries, medical bookings—so you can focus on enjoying the trip.
Concierge and Insurance: Complementary, Not Competing
Think of insurance as your safety net, and concierge service as your personal travel strategist. You want both—one to protect you from unexpected events, and one to make sure you never have to deal with chaos in the first place.
At Benada Hospitality, we’ve built our travel concierge services to do just that. From family trips and business travel to medical and group travel planning, our team handles everything with care, detail, and local knowledge. We don’t just respond to your travel needs—we anticipate them.
Final Thoughts
Travel insurance is important, but it doesn’t cover everything, especially not the elevated level of service a concierge provides. While insurance steps in when something goes wrong, concierge services make sure things go right from the very beginning.
If you’re planning a trip that matters—whether for business, wellness, or leisure—Benada Hospitality is your partner in making every moment effortless and unforgettable.
Experience Travel Without the Headaches – Request a Custom Itinerary!
