Trawick International Travel Insurance Reviews

Unfortunately we had to cancel our trip because of my illness. It was very cumbersome to provide all that was needed to support the claim and there were thigs that seemed redundant. It was difficult to get any information from the company that processes their claims. It has been approved but I haven't yet received payment. I've inquired but have heard nothing. We have another trip booked and have purchased insurance with another company.

Claim was filed before cruise was to start but to date we have not heard back with a claim number or instructions on how to get reimbursed for the canceled cruise which was due to medical issue? When I reached out to follow up I was told the claim number and instructions would take 6 weeks for an adjuster to contact us! So just be patient and wait.

We filed two medical claims during our 3 month travel. The claims are managed by an outside claims company. The requests for documentation are completely unreasonable. With both claims, we were asked to show complete trip itineraries, flight information, ALL travel receipts, detailed medical provider documentation not just the provider’s summary notes, detailed invoices, receipts showing bill and proof of payment, copies of credit card payments, and more. They want you to provide all this within 20-30 days even though we were still traveling. The requests for additional documents persist even after you provide the documents. Then they charge a $100 deductible per claim. The claim process drags on for many weeks. I was very disappointed. Clearly the claims management process makes the process so arduous, the company hopes you will give up and drop the claim. The claims process is very unreasonable.

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.

We had a two week cruise booked from Southhampton, England for this summer but had to cancel it. Trawick International allowed us to apply what we paid to another cruise. It was the best way to salvage what we paid for travel insurance, even though the replacement cruise was much less expensive and less involved with no flights or hotel stays. At least we were able to get something out of it.

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.