Trawick International travel insurance review 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 5:10 p.m. UTC Feb. 23, 2024
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Pros and cons
Pros
- Solid baggage loss coverage of $2,000 per person.
- Decent missed connection coverage of $1,000 per person for cruises and tours after a three-hour delay.
- “Cancel for any reason” coverage upgrade of 75% available.
Cons
- Employment layoff coverage requires five continuous years of employment.
- Hurricane and weather delay coverage kicks in after 48 hours, not 12 or even 24.
- Emergency medical coverage is secondary, not primary.
Why trust our travel insurance experts
Our travel insurance experts evaluate hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 1,855 coverage details evaluated.
- 567 rates reviewed.
- 5 levels of fact-checking.
Trawick travel insurance overview
Trawick International offers comprehensive travel insurance to protect you financially against severe weather, unexpected delays, medical emergencies and other unforeseen problems that may arise before or during your trip. Trawick has several plans so you can pick one that is right for you and your budget. In this Trawick International review, we take a deeper look into the plans offered, available optional add-on coverage and common exclusions.
Trawick compared to other travel insurance companies
Here’s how the best travel insurance companies compare to Trawick International.
| TRAVEL INSURANCE COMPANY | TOP-SCORING PLAN | OUR RATING | MEDICAL BENFITS PER PERSON | EVACUATION LIMITS PER PERSON | LEARN MORE | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
 WorldTrips | Atlas Journey Elevate | $250,000 primar coverage | $1,000,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
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 Travel Insured International | Worldwide Trip Protector | $100,000 primary coverage | $1,000,000 | Compare Quotes Via Compare Coverage’s website | ||||||||
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| Classic | $100,000 primary coverage | $1,000,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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| Go Ready Choice | $50,000 secondary coverage | $250,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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| Travel Select | $50,000 primary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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| Travel Guard Preferred | $50,000 Primary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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| Cruise Choice | $100,000 secondary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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Trawick travel insurance plans
Trawick offers several comprehensive travel insurance plans that include trip cancellation coverage, trip delay and interruption coverage, travel medical insurance, emergency evacuation coverage and lost baggage coverage. COVID-19 medical expenses are covered and treated the same as any other sickness.
Safe Travels Explorer
The Safe Travels Explorer plan is Trawick’s budget-friendly option. The plan includes all the basics of a comprehensive travel insurance plan including:
- Emergency medical: $50,000.
- Emergency medical evacuation: $200,000.
- Trip cancellation and trip interruption: 100% reimbursement of trips that cost $30,000 or less.
- Trip delay: $1,000 to cover things like lodging if you need to stay overnight due to a canceled flight.
- Optional rental car damage: $25,000 (not available in NY or TX).
This plan also includes lost and delayed baggage coverage and missed connections coverage.
Safe Travels Explorer Plus
The Safe Travels Explorer Plus plan includes the same coverages as the Safe Travel Explorer plan but automatically includes the rental car damage coverage. It also includes pre-existing medical condition coverage, as long as you buy the travel insurance within seven days of your initial trip deposit.
Safe Travels Journey
The Safe Travels Journey plan includes the below coverages:
- Emergency medical: $150,000.
- Emergency medical evacuation: $500,000.
- Trip cancellation: 100% reimbursement of eligible trip costs up to $50,000.
- Trip delay: $2,000 ($200 per day after a six-hour delay).
- Trip interruption: 125% reimbursement of eligible trip costs up to $62,500.
- Optional “cancel for any reason” (CFAR) coverage: 50% of trip costs (only available within 14 days of first deposit).
- Optional accidental death and dismemberment (24-hour): $25,000.
- Optional rental car damage: $35,000 (not available in NY or TX).
Safe Travels Journey plans also includes coverage for missed connections, airline cancellation fees, lost and delayed baggage, and pre-existing medical coverage if purchased within 14 days of your trip deposit.
Safe Travels Single Trip
Another budget-friendly option is the Safe Travels Single Trip plan. This comprehensive coverage includes:
- Emergency medical: $75,000 (secondary coverage).
- Emergency medical evacuation: $350,000.
- Trip cancellation: 100% reimbursement of eligible trip costs up to $14,000.
- Trip delay: $600 maximum ($200 per day after a 12-hour delay).
- Trip interruption: 150% reimbursement of eligible trip costs up to $21,000.
- Accidental death and dismemberment (24-hour): $10,000.
- Optional rental car damage: $35,000 (not available in NY or TX).
It also includes a pre-existing medical condition exclusion waiver if purchased within 10 days of the initial trip deposit date. This plan includes missed connections coverage, trip delay coverage and lost or delayed baggage coverage.
Safe Travels First Class
Safe Travels First Class offers excellent emergency medical evacuation coverage, as well as optional “cancel for any reason” (CFAR) coverage. The Safe Travels First Class plan scores 3 out of 5 stars in our analysis of the best travel insurance companies. Here’s a quick breakdown of the coverages in this plan:
- Emergency medical evacuation: $1 million.
- Emergency medical: $150,000.
- Trip cancellation: 100% reimbursement of eligible trip costs up to $15,000.
- Trip delay: $1,000 (after a 12-hour delay).
- Trip interruption: 150% reimbursement of eligible trip costs up to $22,500.
- Accidental death and dismemberment (24-hour): $10,000.
- Optional “cancel for any reason” coverage: 75% reimbursement of eligible non-refundable trip costs (this upgrade is available if you buy it within 14 days of your initial trip deposit date; not available in NY or WA).
- Optional rental car damage: $50,000 (not available in NY or TX).
This plan also includes coverage for missed connections, delayed or lost baggage and property damage.
Tip: Safe Travels First Class plans include a pre-existing medical condition exclusion waiver if you purchase coverage within 14 days of your first trip deposit and insure the full value of your non-refundable trip expenses.
Safe Travels Voyager
This Trawick travel insurance plan has the highest available benefit limits to protect your trip:
- Emergency medical: $250,000.
- Emergency medical evacuation: $1 million.
- Trip cancellation: 100% reimbursement of eligible trip costs up to $100,000.
- Trip delay: $3,000 ($250 per day after a six-hour delay).
- Trip interruption: 150% reimbursement of eligible trip costs up to $150,000.
- Accidental death and dismemberment (24-hour): $25,000.
- Rental car damage: $35,000 (not available in NY or TX).
- Optional “cancel for any reason” coverage: 75% reimbursement of eligible trip costs available within 21 days of your trip deposit.
- Optional trip “interruption for any reason” coverage: 50% reimbursement of eligible trip costs available within 21 days of your trip deposit.
This plan also includes coverage for missed connections, additional medical expenses and trip delay coverage, lost and delayed baggage, airline cancellation fees and fees to reinstate frequent traveler awards. And you can get coverage for pre-existing medical conditions if you buy this plan within 21 days of your first trip deposit and before your final payment.
Additional coverages offered by Trawick travel insurance
“Cancel for any reason” (CFAR) coverage
“Cancel for any reason” (CFAR) coverage is available as an optional upgrade with the Trawick Safe Travels First Class and Safe Travels Voyager plans. CFAR coverage reimburses up to 75% of the prepaid, nonrefundable trip costs when you cancel your trip for any reason — not just those listed in the policy — as long as you do so at least two days before your scheduled departure date.
This optional upgrade must be purchased within 14 days (First Class) or 21 days (Voyager) of making your first trip deposit. CFAR is not available for New York or Washington state residents.
Rental car damage
Rental car damage coverage is included or offered as an add-on with most Trawick travel insurance plans. It provides reimbursement for the cost of repairs, rental charges or the actual cash value of the car if the car is damaged because of covered reasons. This coverage is not available for New York or Texas residents.
What Trawick travel insurance doesn't cover
Like all travel insurance companies, Trawick travel insurance doesn’t cover every incident that may arise during your travels. It is always a good idea to read the fine print before purchasing your policy. For Trawick travel insurance plans, examples of exclusions include:
- Any trip taken against the advice of a physician.
- Immunizations, routine physicals or cosmetic surgery.
- Illegal activities.
- Injuries due to participation in adventure or extreme activities such as bungee jumping, caving, mountain climbing, paragliding, rappelling and scuba diving.
- Injuries due to intoxication or drug use.
- Medical tourism.
- Mental, nervous or psychological disorder.
- Natural disasters that begin before you buy the policy.
- Normal pregnancy or childbirth.
Trawick’s “free-look” period gives you a specific length of time to review your policy and cancel for a full refund if it doesn’t suit your needs. Most states have a 10-day free look period beginning the date the policy was purchased (not available in NY or WA).
Methodology
Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. We shared information about the highest-scoring plan for companies with more than one travel insurance plan.
Insurers could score up to 100 points based on the following factors:
- Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
- Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
- Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
- Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
- Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
- “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of six hours or less.
Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points. - Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.
Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.
Trawick International travel insurance FAQs
Nationwide Mutual Insurance Company underwrites Trawick’s travel insurance plans.
To file an insurance claim with Trawick, first you need to locate the name of your plan which can be found on your confirmation of coverage. Next, gather all the documentation needed to complete the claim. After that, complete the claim form on Trawick’s website, answer any pending questions and submit the claim online. Visit Trawick’s website for more information or to access Trawick’s various claim forms.
Yes, Trawick is a reliable travel insurance company. The company was founded in 1998. Trawick International’s Safe Travels First Class plan gets 3 stars in our rating of the best travel insurance.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
