TRAWICK
Travel Insurance Review
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Trawick stands out as an exceptional travel insurance provider in our evaluations, offering a diverse range of policies to cater to clients globally. Their extensive coverage extends to travel within and outside the USA, vacation rentals, engaging in adventure sports, and more. With tiered plans and optional upgrades, you have the flexibility to customize your coverage, whether it's for a single trip or annual protection for multiple journeys and extended stays.
Their policies encompass essential features like trip cancellation, trip interruption, trip delays, missed connections, emergency medical, evacuation and repatriation, AD&D, and more. Noteworthy additions include their cancel for any reason and interruption for any reason options, along with enhanced medical limits and specialized adventure coverage.
Trawick collaborates with multiple underwriters, all boasting excellent credit ratings, ensuring robust financial protection for travelers. Overall, Trawick provides a blend of flexibility and financial security, promising stress-free travel tailored to your preferences.
CUSTOMIZABLE
Choice of may different plans with multiple tiers and upgrades
Comprehensive plans (trip, medical, assistance)
Single trip
Annual / multi-trip
Vacation rental
Adventure / sports
CANCELLATION OPTIONS
Cancel for any reason and cancel for interruption coverages available
MEDICAL EVACUATION
Excellent coverage compared to competitors
ASSISTANCE
24/7 multi-lingual travel and medical assistance
BAGGAGE DELAY
Delay thresholds are longer than some competitors
TRIP DELAY
Delay thresholds are longer than some competitors
ADVENTURE / SPORTS
The Safe Travels SafeTreker plan covers 450+ sports and activities with upgrade options for medical coverage related to mountaineering and extreme sports
POLICY COMPARISONS
COMPREHENSIVE PLANS
(CANCEL FOR ANY REASON)
|
Highlights |
Comprehensive Cancel For Any Reason Plans |
|||
|
Safe Travels |
Safe Travels |
Safe Travels |
Safe Travels |
|
|
Voyager |
Armor |
First Class |
Journey |
|
|
General* |
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|
Availability |
U.S. residents and citizens |
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|
Travel outside USA |
Included |
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|
Travel inside USA |
Included |
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|
Ages |
14 days to 99 years |
Up to 85 years |
No maximum |
No maximum |
|
Maximum trip length |
180 days |
90 days |
30 days for ages 80+ |
180 days |
|
Free look period |
10 days |
14 days |
10 days |
10 days |
|
Trip Protection* |
||||
|
Cancellation |
||||
|
Trip cost |
100%, $100,000 |
100%, $15,000 |
100%, $15,000 |
100%, $50,000 |
|
Interruption |
||||
|
Trip cost |
150%, $150,000 |
150%, $15,000 |
150%, $22,500 |
125%, $62,500 |
|
Delay |
||||
|
Delay |
$3,000 ($250/day, 6hrs) |
$1,000 ($150/day, 12hrs) |
$1,000 ($200/day, 12hrs) |
$2,000 ($200/day, 6hrs) |
|
Missed connection |
$1,000 (3hrs) |
$500 (12hrs) |
$1,000 (3hrs) |
$750 (3hrs) |
|
Rental car |
$35,000 |
- |
- |
- |
|
Medical Protection* |
||||
|
Emergency Medical |
||||
|
Accident and sickness |
$250,000 |
$100,000 |
$150,000 |
$150,000 |
|
Dental |
$750 |
$750 |
$750 |
$750 |
|
Pre-existing condition |
Waiver |
Waiver |
Waiver |
Waiver |
|
Evacuation / repatriation |
$1,000,000 |
$1,000,000 |
$1,000,000 |
$500,000 |
|
Accidents* |
||||
|
AD&D - Carrier |
$50,000 |
$25,000 |
$25,000 |
$25,000 |
|
AD&D |
$25,000 |
$10,000 |
$10,000 |
- |
|
Baggage / Belongings* |
||||
|
Baggage/personal items |
$2,500 |
$1,000 |
$2,000 |
$2,000 |
|
Delay |
$600 (8hrs) |
$250 (12hrs) |
$400 (12hrs) |
$400 (12hrs) |
|
Other Optional Upgrades* |
||||
|
Cancel for any reason |
75% Trip Cost |
75% Trip Cost |
75% Trip Cost |
50% Trip Cost |
|
Cancel for interruption |
50% Trip Cost |
- |
- |
- |
|
Trip delay increase to |
$4,000 or $7,000 |
- |
- |
- |
|
Rental car |
- |
$50,000 |
$50,000 |
$35,000 |
|
Accident and sickness |
$250,000 |
- |
- |
- |
|
AD&D |
$25k, $50, $100k |
- |
- |
$25,000 |
|
Additional Benefits |
||||
|
24/7 travel assistance |
Included |
Included |
Included |
Included |
|
Property damage |
- |
- |
$5,000 |
- |
|
Underwriter |
||||
|
Company |
Nationwide Mutual Insurance Company |
Starr Indemnity & Liability Company |
Nationwide Mutual Insurance Company |
Nationwide Mutual Insurance Company |
|
*May vary by jurisdiction |
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COMPREHENSIVE SPECIALTY PLANS
(CANCEL FOR ANY REASON)
|
Highlights |
Cancel For Any Reason Specialty Plans |
|
|
Safe Travels |
Safe Travels |
|
|
Flex |
Rental Plus |
|
|
General* |
||
|
Availability |
U.S. residents and citizens |
|
|
Travel outside USA |
Included |
|
|
Travel inside USA |
Included |
|
|
Ages |
14 days to 69 years |
14 days to 99 years |
|
Maximum trip length |
30 days |
|
|
Free look period |
10 days |
15 days |
|
Trip Protection* |
||
|
Cancellation |
||
|
Trip cost |
100%, $25,000 |
100%, $10,000 |
|
Interruption |
||
|
Trip cost |
100%, $25,000 |
125%, $12,500 |
|
Delay |
||
|
Delay |
- |
$600 ($200/day, 12hrs) |
|
Medical Protection* |
||
|
Emergency Medical |
||
|
Accident and sickness |
- |
$40,000 |
|
Dental |
- |
$750 |
|
Pre-existing condition |
Waiver |
Waiver |
|
Evacuation / repatriation |
- |
$250,000 |
|
Accidents* |
||
|
AD&D |
- |
$100,000 |
|
Baggage / Belongings* |
||
|
Baggage/personal items |
- |
$1,000 |
|
Delay |
- |
$750 (24hrs) |
|
Other Optional Upgrades* |
||
|
Cancel for any reason |
75% Trip Cost |
70% Trip Cost |
|
Trip delay increase to |
$2,000 ($200/day, 12hrs) |
- |
|
Accident and sickness |
$10k/$20k/$50,000 |
$25,000 |
|
Dental |
$500 |
- |
|
Evacuation / repatriation |
$250,000 |
- |
|
Baggage/personal items |
$500 |
- |
|
Baggage delay |
$200 (24hrs) |
- |
|
Additional Benefits |
||
|
24/7 travel assistance |
Included |
Included |
|
Property damage |
- |
$1,500 |
|
Underwriter |
||
|
Company |
United States Fire Insurance Company |
|
|
*May vary by jurisdiction |
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COMPREHENSIVE PLANS
(NO CANCEL FOR ANY REASON)
|
Highlights |
Comprehensive Plans (excluding Cancel For Any Reason) |
||||
|
Safe Travels |
Safe Travels |
Safe Travels |
Safe Travels |
Safe Travels |
|
|
Defend |
Single Trip |
Explorer Plus |
Explorer |
Protect |
|
|
General* |
|||||
|
Availability |
U.S. residents and citizens |
||||
|
Travel outside USA |
Included |
||||
|
Travel inside USA |
Included |
||||
|
Ages |
Up to 85 years |
14 days to 99 years |
14 days to 99 years |
No maximum |
Up to 85 years |
|
Maximum trip length |
90 days |
90 days |
60 days |
60 days |
90 days |
|
Free look period |
14 days |
10 days |
10 days |
10 days |
14 days |
|
Trip Protection* |
|||||
|
Cancellation |
|||||
|
Trip cost |
100%, $14,000 |
100%, $14,000 |
100%, $30,000 |
100%, $30,000 |
100%, $14,000 |
|
Interruption |
|||||
|
Trip cost |
100%, $14,000 |
150%, $21,000 |
100%, $30,000 |
100%, $30,000 |
100%, $14,000 |
|
Delay |
|||||
|
Delay |
$600 ($150/day, 12hrs) |
$600 ($200/day, 12hrs) |
$1,000 ($150/day, 12hrs) |
$1,000 ($150/day, 12hrs) |
$300 ($100/day, 12hrs) |
|
Missed connection |
$300 (12hrs) |
$500 (3hrs) |
$500 (3hrs) |
$500 (3hrs) |
$250 (12hrs) |
|
Medical Protection* |
|||||
|
Emergency Medical |
|||||
|
Accident and sickness |
$50,000 |
$75,000 |
$50,000 |
$50,000 |
$25,000 |
|
Dental |
$500 |
$750 |
$750 |
$750 |
$500 |
|
Pre-existing condition |
Waiver |
Waiver |
Waiver |
- |
- |
|
Evacuation/repatriation |
$350,000 |
$350,000 |
$200,000 |
$200,000 |
$250k/$350,000 |
|
Accidents* |
|||||
|
AD&D - Carrier |
- |
$25,000 |
$20,000 |
$20,000 |
- |
|
AD&D |
$10,000 |
$10,000 |
- |
- |
- |
|
Baggage / Belongings* |
|||||
|
Baggage/personal items |
$750 |
$1,000 |
$750 |
$750 |
$500 |
|
Delay |
$200 (12hrs) |
$200 (12hrs) |
$200 (24hrs) |
$200 (24hrs) |
$200 (24hrs) |
|
Other Optional Upgrades* |
|||||
|
Rental car |
$50,000 |
$35,000 |
$25,000 |
$25,000 |
- |
|
AD&D |
- |
- |
- |
- |
$10,000 |
|
AD&D - carrier |
$25,000 |
- |
- |
- |
- |
|
Additional Benefits |
|||||
|
24/7 travel assistance |
Included |
Included |
Included |
Included |
Included |
|
Underwriter |
|||||
|
Company |
Starr Indemnity & Liability Company |
Nationwide Mutual Insurance Company |
Nationwide Mutual Insurance Company |
Nationwide Mutual Insurance Company |
Starr Indemnity & Liability Company |
|
*May vary by jurisdiction |
|||||
ADVENTURE / SPORTS PLANS
(EXTREME SPORTS OPTIONAL)
|
Highlights |
Adventure / Sports Plan |
|
Safe Travels |
|
|
SafeTreker |
|
|
General* |
|
|
Availability |
U.S. residents and citizens |
|
Travel outside USA |
Included |
|
Travel inside USA |
Included |
|
Coverage |
450+ sports & activities |
|
Ages |
Up to 65 years old |
|
Maximum trip length |
60 days |
|
Free look period |
10 days |
|
Trip Protection* |
|
|
Cancellation |
|
|
Trip cost |
100%, $50,000 |
|
Interruption |
|
|
Trip cost |
125%, $62,500 |
|
Delay |
|
|
Delay |
$1,000 ($200/day, 12hrs) |
|
Inconvenience |
|
|
Lost golf rounds |
$500 |
|
Lost diving days |
$500 |
|
Lost recreational days |
$500 |
|
Lost skier days |
$500 |
|
Medical Protection* |
|
|
Emergency Medical |
|
|
Accident and sickness |
$100,000 |
|
Dental |
$500 |
|
Bodily contact sports |
$50,000 |
|
Interscholastic sports |
$50,000 |
|
Search and rescue |
$10,000 |
|
Evacuation / repatriation |
$1,000,000 |
|
Repatriation of remains |
$50,000 |
|
Accidents* |
|
|
AD&D |
$10,000 |
|
Baggage / Belongings* |
|
|
Baggage/personal items |
$3,000 |
|
Delay |
$750 (12hrs) |
|
Sporting equipment rental |
$5,000 |
|
Other Optional Upgrades* |
|
|
Medical - mountaineering |
$50,000 |
|
Medical - extreme sports |
$25,000 |
|
Additional Benefits |
|
|
24/7 travel assistance |
Included |
|
Underwriter |
|
|
Company |
Nationwide Mutual Insurance Company |
|
*May vary by jurisdiction |
|
NON-U.S. CITIZENS
TRAVEL INSIDE THE USA
|
Highlights |
Non-U.S. Residents Travel Inside USA Plans |
|||
|
Safe Travels |
Safe Travels |
Safe Travels |
Safe Travels |
|
|
USA |
Comp. |
Cost Saver |
Elite |
|
|
General* |
||||
|
Availability |
Non-U.S. residents & citizens |
|||
|
Travel outside USA |
Excluded |
|||
|
Travel inside USA |
Included |
|||
|
Ages |
14 days to 89 years |
Ages 1 to 89 years |
14 days to 89 years |
14 days to 89 years |
|
Maximum trip length |
5 to 364 days |
|||
|
Trip Protection* |
||||
|
Interruption |
||||
|
Trip cost |
$5,000 |
$5,000 |
$5,000 |
- |
|
Medical Protection* |
||||
|
Emergency Medical |
||||
|
Accident and sickness |
$50k, $100k, $250k, $500k, $1,000,000 |
$25k, $50k, $75k, $100k, $175,000 |
||
|
Deductible |
$0-$5,000 |
$0-$200 |
||
|
Coinsurance |
90% on 1st $2,500, then 100% to policy max |
After deductible 100% to policy max |
80% on 1st $5,000, then 100% to policy max |
- |
|
Covid-19 |
Same as any other illness |
Same as any other illness |
- |
Same as any other illness |
|
Urgent care co-pay |
$30 |
$30 |
$30 |
$55 |
|
Well doctor visit |
$125 |
$125 |
$125 |
$125 |
|
Pre-existing condition - unexpected reoccurrence |
$1,000 |
- |
$1,000 |
|
|
Pre-existing condition - acute onset |
- |
$25,000 |
- |
$15k-$25,000 |
|
Evacuation* |
||||
|
Evacuation - medical |
$2,000,000 |
$2,000,000 |
$2,000,000 |
$25,000-Unlimited |
|
Evacuation - political |
$25,000 |
$25,000 |
$25,000 |
$500 |
|
Evacuation - natural disasters |
$10,000 |
$10,000 |
$10,000 |
$500 |
|
Emergency reunion |
$15,000 |
$15,000 |
$15,000 |
- |
|
Repatriation - medical |
$15,000 |
$15,000 |
$15,000 |
$15,000 |
|
Repatriation - remains |
$50,000 |
$50,000 |
$50,000 |
$7,500 |
|
Local burial / cremation |
$5,000 |
$5,000 |
$5,000 |
$5,000 |
|
Accidents* |
||||
|
AD&D |
$25,000 |
$25,000 |
$25,000 |
- |
|
Baggage / Belongings* |
||||
|
Baggage/personal items |
$1,000 |
$1,000 |
$1,000 |
- |
|
Other Optional Upgrades* |
||||
|
Return to home country |
$25,000 |
$25,000 |
- |
- |
|
AD&D |
$50k, $100k, $250k, $500,000 |
$50k, $100k, $250k, $500,000 |
- |
- |
|
Sports activity |
$50,000 |
$50,000 |
- |
- |
|
Additional Benefits |
||||
|
24/7 travel assistance |
Included |
Included |
Included |
Included |
|
Telemedicine |
Included |
Included |
Included |
Included |
|
Underwriter |
||||
|
Company |
Crum & Forster SPC |
Crum & Forster SPC |
Crum & Forster SPC |
Crum & Forster SPC |
|
*May vary by jurisdiction |
||||
NON-U.S. CITIZENS
TRAVEL OUTSIDE THE USA
|
Highlights |
Non-U.S. Residents Travel Outside of USA Plans |
|
|
Safe Travels |
Safe Travels |
|
|
International |
International Cost Saver |
|
|
General* |
||
|
Availability |
Non-U.S. residents & citizens |
|
|
Travel outside USA |
Included |
|
|
Travel inside USA |
Excluded |
|
|
Ages |
14 days to 89 years |
|
|
Maximum trip length |
5 - 364 days |
|
|
Trip Protection* |
||
|
Interruption |
||
|
Trip cost |
$7,500 |
- |
|
Delay |
||
|
Delay |
$2,000 ($150/day, 6hrs) |
- |
|
Medical Protection* |
||
|
Emergency Medical |
||
|
Accident and sickness |
$50k, $100k, $150k, $500k, 1,000,000 |
|
|
Deductible |
$0 - $5,000 |
|
|
Coinsurance |
100% after the deductible |
80% of first $5,000, then 100% to policy max |
|
Covid-19 |
Same as any other illness |
- |
|
Pre-existing condition - unexpected reoccurrence |
$10k-$20,000 |
$2,500 |
|
Evacuation* |
||
|
Evacuation - medical |
$2,000,000 |
|
|
Evacuation - political |
$25,000 |
|
|
Evacuation - natural disasters |
$10,000 |
|
|
Emergency reunion |
$15,000 |
|
|
Repatriation - medical |
$15,000 |
|
|
Repatriation - remains |
$1,000,000 |
|
|
Accidents* |
||
|
AD&D |
$25,000 |
- |
|
Baggage / Belongings* |
||
|
Baggage/personal items |
$1,000 |
- |
|
Other Optional Upgrades* |
||
|
Trip delay increase to |
$4k-$7,000 |
- |
|
AD&D increase to |
$50k, $100k, $150k, $500k |
- |
|
Sports activity |
Up to $50,000 |
- |
|
Additional Benefits |
||
|
24/7 travel assistance |
Included |
Included |
|
Telemedicine |
Included |
Included |
|
Underwriter |
||
|
Company |
Crum & Forster SPC |
Crum & Forster SPC |
|
*May vary by jurisdiction |
||
-
Please be aware of certain exclusions within your travel insurance policy.
Coverage limitations may apply to trip cancellation/interruption due to pre-existing conditions or acts of war. Trip delays caused by airline failures, pre-existing conditions, and certain emergency medical conditions may not be covered. Baggage delay and personal items, as well as high-risk sports and activities, may have limited coverage. Accidental Death and Dismemberment (AD&D) exclusions may exist for specific activities.
Please review your policy for details on these and other exclusions. It is crucial to thoroughly understand the terms to ensure adequate protection during your travels.
These exclusions do not represent a complete list and are provided for general guidance only.
Note:
Travel to certain countries may not be covered. Please read your policy carefully before signing.
Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.
