Trawick International Travel Insurance

How Trustworthy is Trawick Travel Insurance?

Trawick is a well-established travel insurance provider with more than 25 years of experience in travel insurance. Its plans are backed by A-rated insurers and it’s one of the most affordable providers on our site, although its claims process has mixed reviews.

The company began by insuring students studying abroad, then expanded its offerings to become one of the nation’s most trusted travel insurance companies. Its plans are underwritten by AmTrust Insurance Company and Starr Indemnity & Liability Company, with an A- (Excellent) rating from AM Best and an A+ rating with the Better Business Bureau (BBB).

Trawick offers coverage for a wide range of traveler profiles, including casual vacationers, cruise passengers, international students, expatriates, remote workers, and frequent global travelers.

On Squaremouth, Trawick currently offers comprehensive single-trip policies, medical-only coverage and annual travel insurance policies that cover multiple trips in a year.

Our Take: Trawick is a strong choice for comprehensive coverage and year-round annual coverage. Trawick’s Pathway Premium plan stands out for its generous limits for medical evacuations and trip delays, and optional flexibility to interrupt and cancel trips. Its annual plans also offer unusually high Trip Cancellation and Interruption coverage. However, its annual plans are weak on medical coverage, and its Pathway Essential has relatively weak coverage for a basic plan.

Pros & Cons of Trawick Travel Insurance

What Do Customer Reviews Say About Trawick?

While Trawick has an overall 4.1 (excellent) rating from Squaremouth customers, satisfaction varies significantly between pre-trip customer service and service provided during and after the trip, when travelers need help. This is because Trawick provides in-house customer service ahead of the trip, while trip assistance and claims processing are handled by separate companies.

Trawick has a 4.3 (excellent) rating for its in-house customer service before the trip, for assistance on things like getting access to documentation, making policy modifications, and clarifying coverage.

However, it’s our 3rd lowest-rated provider for customer service during the claims process, based on nearly 4,000 verified customer reviews on Squaremouth. While some reviewers state that their claims were quickly processed, many report repeated requests for documentation, lengthy delays taking months to resolve, and difficulty reaching customer service and getting answers to questions.

Have a look at these Trawick International reviews to get a better understanding of what customers have to say:

Ready to explore your options? Compare Trawick International plans against other top providers.

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Tips for Filing a Claim With Trawick

Complaints about claim delays and denials are common across insurance providers, and in many cases it’s the result of missing documentation or confusion about policy terms. Make sure to read the policy certificate carefully to understand what is and isn’t covered and what documentation you may need.

It’s also important that you gather all the required documents first, and then find your plan information online and submit your claim with a summary of all pertinent information, per Trawick’s claim-filing instructions.

The following tips can help the claims process go more smoothly:

During your trip:

• Bring a copy of your policy, the 24/7 assistance number, and the claims administrator contact info.
• Keep proof of payment for every prepaid booking.
• Call the assistance line before paying for major care or evacuation, when possible.
• Keep track of the date, representative name, and case number for every phone call.
• Get written proof from airlines, cruises, and trains for any disruption.
• Keep photographs of all your receipts.

When filing a claim:

• Send all your itemized bills, credit card statements, medical records, and other supporting documentation along with your claim.
• Keep an eye on your claim and make sure to respond to requests for additional information.
• If you’re denied, ask for the reason in writing, then file an appeal.

Who Is Trawick Best For?

• People with pre-existing conditions: Trawick’s Pathway Premium and Plus plans cover pre-existing conditions if you buy within 21 days of your trip deposit, one of the longest qualification windows. The Pathway Premium plan also includes $200,000 primary Emergency Medical coverage and $1 million in Medical Evacuation coverage, which is in the top 2% of our plans.
• Travelers whose plans might change: The Pathway Premium plan offers both Cancel For Any Reason (CFAR) and Interruption For Any Reason. Trawick is one of only 6 providers on our site that offer both upgrades, plus it has a long 21-day window to purchase both. This provides flexibility for people with uncertain work schedules, ailing family members, or trips booked far in advance.
• Travelers taking expensive vacations: Pathway Premium offers high limits for a variety of trip disruptions, including 150% Trip Interruption coverage, a $300 daily limit for Travel Delay coverage, $2,000 for Baggage Loss and $500 for Baggage Delay.
• Frequent travelers with large, prepaid bookings: The Safe Travels Annual Prime plan has $10,000 per person in Trip Cancellation coverage, the highest limit of any annual plan on our site. Its medical coverage is weaker, however, at only $50,000 in secondary Emergency Medical coverage.
• Budget-conscious travelers concerned about delays: The Pathway Plus plan covers trip delays of just 6 hours, a shorter waiting period than 80% of our plans. Its Baggage Delay starts at just 8 hours, sooner than 90% of plans. Also, it has $100,000 in primary Emergency Medical coverage, making it a good middle-of-the-road option for flight-heavy trips.

Who Is Trawick Not a Good Fit For?

• Cruise passengers: Trawick doesn’t have a dedicated cruise travel insurance plan, and its Missed Connection coverage is very low. It only pays $300-$500 to catch you up to your itinerary, versus up to $1,500 for some providers like Seven Corners. This is key coverage because cruises are strict about embarkation times and can be difficult to catch up with in case a delay causes you to miss your departure.
• People carrying expensive sports equipment: Trawick’s single-trip plans don’t cover Sports Equipment Loss, and none of its plans offer Sports Equipment Delay coverage.
• Budget travelers buying the cheapest tier: Pathway Essential is a weak plan with only $25,000 in Emergency Medical coverage, no pre-existing condition coverage, and a 24-hour wait for Baggage Delay. These benefits are below-average for an entry-level plan.

What Plans Does Trawick’s Travel Insurance Offer on Squaremouth?

Trawick offers 2 types of plans on Squaremouth: comprehensive single-trip plans that can serve as medical-only insurance and annual multi-trip travel insurance plans. Each type has 3 coverage tiers, with higher-tier plans offering more coverage and higher limits.

Comprehensive Single-Trip Plans

Trawick’s comprehensive Pathway plans offer broad coverage for travel disruptions, including medical expenses, trip cancellations, and interruptions. Among these, Pathway Premium offers the most coverage, with the highest limits for Emergency Medical and Medical Evacuation. It’s also the only Trawick plan with the option to add CFAR and IFAR.

Annual Plans

Trawick’s Safe Travels annual plans cover medical, Trip Cancellation, and Trip Interruption costs for multiple trips each year. Its Safe Travels plan offers exceptionally high coverage for Trip Cancellation and Trip Interruption, with Annual Prime providing up to $10,000 per person per year for both Trip Cancellation and Trip Interruption. However, medical limits are low on these plans, even for the Prime plan, and no plan offers pre-existing condition coverage.

Which Trawick Plan Should I Choose?

Your choice of Trawick plan depends on your health, whether you’re traveling internationally, and how frequently you travel:

• Pathway Essential → Healthy travelers on a lower-cost domestic trip looking to protect trip costs
  Pathway Plus → International travelers, including those with pre-existing conditions, with moderate trip costs
• Pathway Premium → International travelers on expensive or remote trips
• Safe Travels Annual Select → Frequent travelers on low-cost, domestic trips with their own health insurance
• Safe Travels Annual Preferred → Frequent travelers on mid-price, domestic trips with their own health insurance
• Safe Travels Annual Prime → Frequent travelers with large, non-refundable bookings who have separate medical coverage

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Is Trawick Travel Insurance Affordable?

Yes, Trawick ranks as the 5th least expensive provider for comprehensive travel insurance on our site, with an average premium around $200. For context, roughly half of providers on Squaremouth have an average comprehensive travel insurance premium of $300 or more.

Trawick is generally one of the most affordable providers on Squaremouth, though costs will vary by the type of coverage you purchase and your trip details.

On the other hand, its medical-only coverage is more expensive than average, with an average premium of $30.

How Does Trawick Compare to Other Travel Insurance Providers?

The competitiveness of Trawick’s coverage depends on the plan. Its Essential plan is underwhelming compared to other basic plans, but its Pathway Premium plan offers very competitive benefits for the price, and its annual plans are standout choices for Trip Cancellation and Trip Interruption coverage for multiple trips.

Single-Trip Plan Example

Trawick’s Pathway Premium offers up to $1 million in Medical Evacuation coverage and optional CFAR and IFAR coverage upgrades. Compared to WorldTrips Elevate, it has higher Medical Evacuation coverage but lower Emergency Medical and Baggage Loss coverage. Its Missed Connection coverage is limited to cruises and tours, while WorldTrips’ applies to any common carrier.

Annual Trip Plan Example

Trawick’s Safe Travels Annual Prime covers up to $10,000 per year per person for Trip Cancellation and Trip Interruption, unlike Seven Corners’ medical-only plan. However, Seven Corners offers significantly higher medical limits, including $1,000,000 in primary Emergency Medical and Medical Evacuation coverage. It also covers unexpected recurrence of pre-existing conditions, which Trawick excludes.

Is Trawick Travel Insurance Worth the Cost?

Yes, Trawick can be well worth the cost for the right type of traveler, but its value depends on which plan you choose. Its Pathway Premium plans are worth it for high Medical Evacuation limits and optional CFAR and IFAR coverage. Its Safe Travels annual plans are also worth considering if you want high limits on Trip Cancellation and Interruption for multiple trips in a year.

However, its annual plans offer limited medical coverage, and its Pathway Essential plan is less competitive due to relatively low limits on benefits like Emergency Medical.

If you’re looking for better basic to midrange coverage, need higher medical limits, or lower-priced coverage, consider one of these alternatives:

WorldTrips

WorldTrips offers better basic and midlevel plans than Trawick. Its Escape plan has higher Emergency Medical coverage than Trawick’s Pathway Essential plan, and covers pre-existing conditions. Its Explorer plan offers higher medical limits and better Trip Interruption coverage than Trawick’s Pathway plus, and includes a CFAR upgrade.

Seven Corners

Seven Corners offers higher limits for Emergency Medical and Medical Evacuation coverage than Trawick for both its single-trip and annual plans. It’s a better option for travelers with high-risk medical conditions, or those traveling remotely.

IMG

IMG is one of the most affordable providers on Squaremouth. It offers lower-priced coverage than Trawick for most plan types, including its popular iTravelInsured Choice plan.