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Trawick
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- Wide variety of plans and coverage levels.
- Cancel For Any Reason (CFAR) available on select plans, including one plan with CFAR built into the base policy.
- Some plans include high medical and emergency evacuation coverage limits.
- Cruise-specific plans available.
- Some optional upgrades are not available in all states.
- Lower-tier plans may offer less robust coverage than competing premium policies.
Trawick International offers a broad range of travel insurance plans, including three cruise-focused policies and a plan with built-in Cancel For Any Reason protection. Many plans also offer optional upgrades, allowing travelers to add benefits like rental car coverage and adventure sports protection.
Pricing can vary depending on the policy, but in NerdWallet’s sample quote for a $2,000 one-week trip to Mexico for a 45-year-old traveler from Illinois, Trawick’s lowest-cost plan, Pathway Essential, cost about $56, providing a relatively affordable option for comprehensive travel insurance.
» Learn more: The best travel insurance companies
Trawick International insurance offerings
Trawick’s lineup includes options for general travel, cruises and travelers looking for built-in Cancel For Any Reason (CFAR) coverage.
The five comprehensive plans are:
Pathway Essential: Trawick’s most affordable option offers trip cancellation and trip interruption, trip delay, emergency medical, baggage protections and evacuation/repatriation coverage. There is no coverage for preexisting conditions.
Pathway Plus: This midtier plan offers many of the same core protections as the Essential plan, but with higher benefit limits and additional upgrade options. Coverage for preexisting conditions is included if the plan is purchased within 14 days of the initial trip payment.
Pathway Premium: This plan provides the same protections as the Plus plan, but with substantially higher coverage limits, additional upgrade options and reimbursement for reinstating frequent traveler awards. Preexisting conditions are covered if the policy is purchased within 21 days of the initial trip payment.
Stay Secure: Trawick's highest tier plan is designed for travelers looking for additional lifestyle and specialty protections. In addition to standard travel insurance benefits provided on the less expensive plans, Stay Secure includes perks like pet coverage, vehicle return, sports equipment coverage and reimbursement for lost golf rounds.
Safe Travels AnyReason: This plan is built around flexibility, with CFAR coverage already included in the base policy rather than offered as an optional add-on. Although the plan includes many of the same benefits as the other plans, some of the limits are lower as the plan's main selling point is the complimentary CFAR.
Cruise-related travel plans:
Safe Travels Sailaway Essential: Trawick’s entry-level cruise-focused option includes protections like trip cancellation, trip interruption, baggage delay, emergency medical insurance and emergency evacuation/repatriation.
Safe Travels Sailaway Cruise: This midtier cruise plan builds on the Sailaway Essential plan with higher coverage limits plus missed connection and itinerary change coverage.
Safe Travels Sailaway Luxury: Trawick’s highest-tier cruise plan offers the strongest coverage limits of the Sailaway lineup, along with optional CFAR and Interruption For Any Reason (IFAR) upgrades.
» Learn more: How to find the best travel insurance
What does Trawick International cover?
Trawick International offers many of the typical benefits provided in comprehensive insurance plans. Here are some of the key travel protections included:
Emergency medical coverage: Reimburses eligible medical expenses if you become sick or injured during your trip.
Trip delay: Reimburses eligible expenses incurred during a covered travel delay, including lodging, meals, toiletries and clothing.
Trip cancellation: Reimburses prepaid, nonrefundable trip expenses if you need to cancel your trip for a covered reason.
Trip interruption: Covers unused prepaid travel expenses if your trip is unexpectedly cut short or interrupted for a covered reason.
Baggage delay: Provides reimbursement if your baggage is lost, stolen, damaged or delayed.
Emergency medical evacuation: Reimburses charges in the event you need to be evacuated for a medical emergency.
Repatriation of remains: Covers eligible expenses to transport a traveler’s remains home in the event of a death during the trip.
Depending on the plan, travelers may also be able to add optional upgrades like CFAR, Interruption For Any Reason (IFAR), rental car coverage and adventure sports protection.
Trawick International detailed policy overview
Coverage limits vary significantly across Trawick International plans. More expensive plans generally include higher limits for trip cancellation, emergency medical expenses and medical evacuation. The coverage limits provided below are based on a sample quote for a $2,000 one-week trip to Mexico for a 45-year-old traveler from Illinois.
Here’s a look at how the plans compare:
Type of coverage | Coverage limits |
|---|---|
Trip cancellation | Pathway Essential: 100% (up to $25,000). Pathway Plus: 100% (up to $50,000). Pathway Premium: 100% (up to $100,000). Stay Secure: 100% Safe Travels AnyReason: 100% (up to $10,000). Sailaway Essential: 100% (up to $25,000). Sailaway Cruise: 100% (up to $50,000). Sailaway Luxury: 100% (up to $100,000). |
Trip interruption | Pathway Essential: 100% (up to $25,000). Pathway Plus: 125% (up to $62,250). Pathway Premium: 150%. Stay Secure: 150%. Safe Travels AnyReason: 100% (up to $10,000). Sailaway Essential: 100% (up to $25,000). Sailaway Cruise: 125% (up to $50,000). Sailaway Luxury: 150% (up to $100,000). |
Trip delay | Pathway Essential: $600 ($150 daily maximum). Pathway Plus: $1,000 ($200 daily maximum). Pathway Premium: $2,000 ($300 daily maximum). Stay Secure: $7,500 ($750 per person). Safe Travels AnyReason: $500 ($100 daily maximum). Sailaway Essential: $600 ($150 daily maximum). Sailaway Cruise: $1,000 ($200 daily maximum). Sailaway Luxury: $2,000 ($300 daily maximum). |
Emergency medical expense | Pathway Essential: $25,000. Pathway Plus: $100,000. Pathway Premium: $200,000. Stay Secure: $50,000 per person ($500,000 per trip). Safe Travels AnyReason: $15,000. Sailaway Essential: $75,000. Sailaway Cruise: $100,000. Sailaway Luxury: $250,000. |
Emergency dental expense | Pathway Essential: $250. Pathway Plus: $500. Pathway Premium: $750. Stay Secure: $1,000. Safe Travels AnyReason: $250. Sailaway Essential: $250. Sailaway Cruise: $500. Sailaway Luxury: $750. |
Waiver of the preexisting condition exclusion | Pathway Essential: N/A. Pathway Plus: 14 days. Pathway Premium: 21 days. Stay Secure: Included. Safe Travels AnyReason: N/A. Sailaway Essential: 14 days. Sailaway Cruise: 14 days. Sailaway Luxury: 21 days. |
Pre-existing medical condition look-back period | Pathway Essential: N/A. Pathway Plus: 180 days. Pathway Premium: Up to 180 days depending on state. Stay Secure: 180 days. Safe Travels AnyReason: N/A. Sailaway Essential: 180 days. Sailaway Cruise: 180 days. Sailaway Luxury: 180 days. |
Baggage and personal effects | Pathway Essential: $500 ($100 per item). Pathway Plus: $1,000 ($100 per item). Pathway Premium: $2,000 ($250 per item). Stay Secure: $2,000 per person ($20,000 per trip). Safe Travels AnyReason: $500 ($100 per item). Sailaway Essential: $600 ($250 per item). Sailaway Cruise: $2,500 ($300 per item). Sailaway Luxury: $2,500 ($300 per item). |
Baggage delay | Pathway Essential: $250. Pathway Plus: $300. Pathway Premium: $500. Stay Secure: $1,000 per person ($10,000 per trip). Safe Travels AnyReason: $200. Sailaway Essential: $100. Sailaway Cruise: $500. Sailaway Luxury: $1,000. |
Missed connection | Pathway Essential: $300. Pathway Plus: $300. Pathway Premium: $500. Stay Secure: N/A. Safe Travels AnyReason: N/A. Sailaway Essential: N/A. Sailaway Cruise: $1,500. Sailaway Luxury: $2,500. |
Trip inconvenience | Pathway Essential: N/A. Pathway Plus: N/A. Pathway Premium: N/A. Stay Secure: N/A. Safe Travels AnyReason: N/A. Sailaway Essential: N/A. Sailaway Cruise: $200. Sailaway Luxury: $250. |
Emergency evacuation | Pathway Essential: $250,000. Pathway Plus: $350,000. Pathway Premium: $1 million. Stay Secure: $1 million. Safe Travels AnyReason: $100,000. Sailaway Essential: $250,000. Sailaway Cruise: $500,000. Sailaway Luxury: $1 million. |
Repatriation of mortal remains | Pathway Essential: $250,000. Pathway Plus: $350,000. Pathway Premium: $1 million. Stay Secure: $1 million. Safe Travels AnyReason: N/A. Sailaway Essential: $250,000. Sailaway Cruise: $500,000. Sailaway Luxury: $1 million. |
Accidental death and dismemberment | Pathway Essential: N/A. Pathway Plus: 24-hour $10,000. Pathway Premium: 24-hour $10,000, common carrier $25,000. Stay Secure: 24-hour $50,000, common carrier $100,000. Safe Travels AnyReason: Flight only $20,000. Sailaway Essential: 24-hour $10,000. Sailaway Cruise: 24-hour $25,000. Sailaway Luxury: 24-hour $25,000, air only $25,000. |
Maximum trip length | Pathway Essential: 90 days. Pathway Plus: 90 days. Pathway Premium: 90 days. Stay Secure: N/A. Safe Travels AnyReason: N/A. Sailaway Essential: 60 days. Sailaway Cruise: 90 days. Sailaway Luxury: 90 days. |
Across these eight plans, the biggest differences are the maximum limits and optional upgrades. Generally, the higher-tier plans increase reimbursement across all categories and are better suited for more expensive trips.
Some plans are also tailored to specific types of travelers. For example, Stay Secure includes niche benefits like pet coverage and lost golf round reimbursement, while the Sailaway plans are designed specifically for cruises and have strong protections in case of missed connections. Safe Travels AnyReason stands out by offering Cancel For Any Reason (CFAR) coverage directly in the base policy.
Add-on options
Trawick International offers various optional add-ons, though availability varies by plan:
Cancel For Any Reason (CFAR): Provides partial reimbursement if you cancel your trip for a reason not otherwise covered by the policy.
Interruption for Any Reason (IFAR): Provides reimbursement for expenses if your trip is interrupted for any reason.
Additional emergency medical coverage: Increases your policy maximum for emergency medical expenses.
Accidental death and dismemberment (AD&D): Provides additional AD&D protection.
Rental car insurance: Provides coverage for rental car damage.
Adventure sports coverage: Adds coverage for adventure sports.
Sports equipment rental: Reimburses the cost of renting sports equipment if your checked gear is lost, stolen or damaged by the common carrier.
What’s not covered by a Trawick International plan
Protections vary by plan, but there are some situations that are generally not covered. These may include:
Known storms.
Preexisting conditions (unless specifically included).
Adventure activities (unless specifically included).
Intentional acts of harm.
Acts of war.
» Learn more: You might not need rental car insurance
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How Trawick International compares to its competitors
On a 5-star scale, NerdWallet rated Trawick International 5 stars. Jump to see our methodology.
Trawick International currently ranks among NerdWallet’s top travel insurance providers, thanks in part to its broad selection of affordable plans and customizable coverage options. To compare Trawick against other insurers, we obtained quotes for the same sample trip to Mexico across multiple travel insurance providers.
Prices ranged from about $17 to $148. At $56, Trawick’s lowest-cost plan was among the most affordable options reviewed while still offering a broad range of core travel protections, including trip cancellation, trip interruption, emergency medical coverage and emergency medical evacuation.
Company | Star rating | Basic plan cost | Premium plan cost | Generate a quote |
|---|---|---|---|---|
AAA | $101. | $146. | ||
AEGIS (GoReady) Travel Insurance | $69. | $84.72. | ||
Allianz Global Assistance | $89. | $174. | ||
Arch RoamRight | $103. | $121. | ||
AXA Assistance USA | $73.07. | $135.62. | ||
Berkshire Hathaway Travel Protection | $52. | $112. | ||
HTH Travel Insurance | $73. | $116.51. | ||
IMG | $74.85. | $114.20. | ||
Seven Corners | $75. | $126. | ||
Tin Leg | $65. | $147. | ||
Travel Guard | $81.06. | $160.13. | ||
Travel Insured International | $74. | $162. | ||
Trawick International | $55.84. | $88.94. | ||
USI Affinity Travel Insurance Services | $148.20. | $214.20. | ||
World Nomads | $83.60. | $256.50. | ||
WorldTrips | $71. | $91. | ||
These star ratings are based on a separate analysis of each travel insurance provider’s offerings. For more detailed scoring, see our recommendations for the best travel insurance companies, read each individual provider's NerdWallet review or view our methodology at the end of this article. Pricing is subject to change based on your specific trip details. You can verify the latest price by clicking through to Squaremouth (a NerdWallet partner). | ||||
How much is Trawick International travel insurance?
How much does Trawick International travel insurance cost? To figure out the price of a plan from Trawick International, we obtained a quote for a $2,000 one-week trip to Mexico, for a 45-year-old traveler from Illinois.
The plan costs ranged from $56 for the Pathway Essential plan to $146 for the Stay Secure plan.
Plan name | Cost |
|---|---|
Pathway Essential | $56. |
Pathway Plus | $71. |
Pathway Premium | $89. |
Safe Travels AnyReason | $118. |
Stay Secure | $146. |
Safe Travels Sailaway Essential | $67. |
Safe Travels Sailaway Cruise | $85. |
Safe Travels Sailaway Luxury | $106. |
Which Trawick International travel insurance plan is best for me?
The right plan depends on your budget, destination and what type of trip you’ll be taking.
Travelers looking for more affordable coverage may prefer plans like Pathway Essential or Sailaway Essential, while those wanting higher reimbursement limits and additional upgrade options may prefer Pathway Premium or Sailaway Luxury.
Some plans are also designed for specific types of travel. For example, the Sailaway plans focus on cruise coverage, while Safe Travels AnyReason includes Cancel For Any Reason (CFAR) protection directly in the base policy.
Before choosing a plan, consider how much of your trip cost is nonrefundable, what medical protections you may need while traveling and whether you want optional add-ons like rental car or adventure sports protection.
In addition, you may already have some travel protections through a credit card. Many travel credit cards include benefits like trip cancellation, trip interruption, baggage delay and rental car coverage when you pay for your trip with the card. Check your card’s benefits guide before purchasing a policy so you don’t pay for protections you already have.
» Learn more: 11 credit cards that provide travel insurance
Does Trawick International offer 24/7 travel assistance?
Yes, Trawick International offers 24/7 travel assistance services for needs such as concierge services, emergency cash and family notifications.
To reach them, you can either call 888-301-9289 or email [email protected].
How to file a claim with Trawick International travel insurance
Filing a claim with Trawick International can be done online, by email, by fax or by mail.
To file a claim, travelers may need to provide:
Supporting documentation for the claim.
Plan name and certificate number.
Information about what happened.
Receipts, invoices and proof of payment.
Additional information may be requested during the claim review process, so if you’re filing a claim, keep all supporting documentation on hand.
Is Trawick International travel insurance worth it?
Trawick International stands out for the breadth of its travel insurance offerings. With plans ranging from basic coverage to cruise-specific policies and more customizable options with built-in Cancel For Any Reason coverage, travelers have a wide range of choices depending on their budget and trip type.
Some plans also include more specialized benefits, such as pet coverage, sports equipment protections and reimbursement for reinstating frequent traveler awards.
However, coverage limits and included benefits vary significantly between plans, particularly on lower-tier options. Travelers planning more expensive trips or wanting stronger medical and evacuation coverage may want to consider the higher-tier plans. As with any travel insurance purchase, it’s also worth checking whether your credit card already includes travel protections before buying a separate policy.
Does Trawick International cover flight cancellation?
How long does a Trawick International refund take?
Is Trawick International travel insurance primary or secondary?
Does Trawick International cover COVID-19?
Star rating methodology
Travel insurance rating and review methodology
Travel insurance
NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:
Cost and affordability.
Scope of coverage.
Consumer experience.
Customizability.
The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.
Data collection and review process
NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.
Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."
The reviews team
The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, Bloomberg News, U.S. News & World Report and The Wall Street Journal. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence.
In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.
Rating specifics
Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:
Cost and affordability (35%).
Scope of coverage (35%).
Consumer experience (20%).
Customizability (10%).
Cost and affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.
Scope of coverage ratings are based on assessments of a company’s standard protections, including:
Travel medical insurance.
Trip cancellation.
Trip interruption.
Trip delay.
Baggage and personal belongings, lost luggage.
Emergency medical assistance.
Emergency medical evacuation.
Emergency medical repatriation.
Accidental death and dismemberment insurance.
Rental car coverage.
Consumer experience ratings are based on provider reviews on Squaremouth and TrustPilot.
Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features, including:
24-hour assistance.
Pre-existing medical conditions coverage.
Extreme sport coverage.
CFAR add on availability.
Travel health insurance.
Interruption for Any Reason.
Travel Inconvenience.
Cancel for Work Reasons.
Electronics coverage.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Autograph® Card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: American Express Platinum Card®
Business travelers: Ink Business Preferred® Credit Card
