Trawick International Travel Insurance Reviews

The policy was underwritten by Starr Indemnity & Liability Co. They use Surego Administrative Services to process claims.
The process with Surego was a nightmare. First their online claim submission software wasn't working and to my knowledge still is not (4 months later). They emailed me a pdf version of the claim form to use and the formatting of the pdf did not work so I could not type in the information.

They acknowledged these issues, saying they know the online system doesn't work & also the issues with the pdf claim form.
I manually filled out the claim form, scanned it in, and emailed it to them. It took 1 week for them to 'upload' it into their system and several more weeks to assign it to a claims processer. I was never informed that they received it. I had to call them numerous times to confirm receipt. There were no updates provided and I could not login to check the status because of a typo error in my email address that they tried 15 times to fix and never could. I had to create the erroneous email address to receive any information they sent. They only ever sent 1 real email with a status. They did sent 15 other emails to the erroneous email address that had incorrect information or status in them. When I asked about the emails and what they stated, the response was always "oh, they are automated emails, don't pay attention to them. They are not correct."

They told me it would take up to 90 days to hear back from the claim processer. It took 60 days. I did receive 1 email from the claims processer to the correct email address requesting an additional form. I emailed them the additional form they requested. Again it took several phone calls to confirm receipt and I had to resend because several agents said they could see the email I sent but the claim processer said they could not see my email. After the 2nd email was finally received, I was told it would take up to 30 more days for the claims processer to respond. They took the full 30 days.

Again, I was not provided with any correct email updates or status information (only automated ones that were incorrect). I only received information when I called and ended up speaking to over 20 different agents and received 20 different status details and information. No two agents provided the same information (processing duration, status of my claim, etc.). It was as if they were either brand new and did not know the process or were making it up on the fly.

The claims processer finally sent their recommendation back to Starr and it was another 3 weeks before I heard anything back. Again, I had to keep calling to get any status. When I was finally emailed the Explanation of Benefits from the claims processer, there were numerous pieces of incorrect information in the explanation including my original claim amount, and once again it was sent to the erroneous email address.

The final straw was that they told me that they mailed out the checks for my claim on 7/22 and it would take somewhere between 11 business days and 15 regular days (depending on which agent you spoke to) to receive the checks. They finally arrived 21 days later and were postmarked 8/7.

I would not recommend Trawick or Starr for a travel insurance policy because they use Surego Admin Services.

This company takes a long time to review the information, more then they have under the policy, they use third party people, for the small claim for medical expenses send in March, I still did not get the check.

I feel my claim was handled very poorly & incompetently. I filed my claim immediately upon my return from my trip. Today is August 5, 2025, your service people finally got around to replying to me just yesterday. Yes, Yesterday, almost 2 months later. Indeed, they couldn't even get the amount correct that I requested. If they had actually cared and read the material and statements provided by me, they would have realized I only requested the return flight portion reimbursement, not the entire flight.

I will not be using your company and any affiliated services again, nor will I advocate the usage to anyone else of using your company & affiliated services. I feel you are not a reliable source of travel protection. I say this not because you denied my claim, but of how incompetently my claim was handled and the tardiness of turnaround time. Thank you.

They made filing a dental claim very difficult, asking for forms from the dentist that were not identified as necessary anywhere in the policy. Getting them fro a dentist in Australia weeks after returning was not possible. After complaining and providing proof that the work was necessary, completed, and paid for, my claim was denied. It would have cost them $79 after the deductible on a policy we paid $900 for and was the only claim we were submitting. I’ll never use them again.

Stolen bag on Flix Bus. Claim process takes a lot of time to file but straightforward. Received notice after submitting claim but no updates since that time.

I’d use them again. They did all they promised to.

Had to cancel our trip due to a medical condition that my wife developed a month or so after we did all the booking. Thankfully we got insurance, because after she was comprehensively diagnosed, there was no way she would have been up to the rigors of the many, many safari days.

Filed our claim. Was immediately acknowledged and sent the papers for the claim. Filled them in. Had to get doctors to fill out their form. Had to ask a few clarifying questions, and submitted. It did take several months and a couple of duplicate submissions, but our claim was approved and settled. There was a glitch with payment, and only half the claim was paid. I called and emailed, and it took another month to have that corrected. So it all came out. People we interacted with were unfailingly courteous, but it took quite a long time and some careful attention to complete.

This is the only time I’ve made a claim like this. So nothing to compare to. Had no occasion to use the medical or on trip support.

Submitted claim, but haven't heard anything from claim processor.

I’d like to know when the claim will be complete.