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Trawick
Trawick International offers comprehensive coverage at an affordable price with a variety of plan options.
at Squaremouth
Pros
- Cancel For Any Reason available as an add on for select plans.
- Several plans offer up to $25,000 or more in primary medical coverage.
- Many different plan options.
Cons
- Reports of long resolution processes.
- Lower customer service ratings compared to top-rated peers.
When planning a trip, we often anticipate the excitement of seeing a new city, the taste of local gastronomy and the overall sense of adventure. Rarely do we imagine arriving at a destination without luggage, breaking a wrist from a fall down the stairs or getting into a car accident on the road.
But sometimes these things happen, and you want to be prepared for when they do.
Still, you probably don’t want half of your vacation budget to go toward travel insurance. That’s where Trawick International comes into play. With nine different plans from which to choose and a variety of price points, Trawick International offers the flexibility that other insurance companies don’t.
Let’s take a look at what Trawick International covers, its cost and how it shapes up to its competitors.
What is Trawick International?
Founded in 1998, Trawick International began life as a company offering insurance to university students. It then expanded into travel insurance and now offers comprehensive plans that provide protections for a variety of issues. These include trip interruption, trip cancellation, travel medical coverage and more.
Trawick International policies are underwritten by two different companies: Nationwide Mutual Insurance Company and Starr Indemnity & Liability Company. According to A.M. Best Financial Strength Ratings, Nationwide Mutual Insurance Company has an A+ rating, while Starr Indemnity & Liability Company has an A rating. The highest possible rating for A.M. Best is A++.
» Learn more: The best travel insurance companies
What does Trawick International cover?
Trawick International’s travel insurance coverage is comprehensive, with nine main plans from which to choose. Although there is a wide range of coverage options, they all have a few broad coverages in common.
All of Trawick International’s policies offer base protections, including:
- Trawick International travel insurance medical coverage: Emergency medical insurance, which will treat acute conditions such as injuries or illnesses.
- Trip delay: Reimburses you for expenses incurred when your trip is delayed. This includes things like lodging, meals, toiletries and clothes.
- Trip cancellation and trip interruption: Pays for nonrefundable costs such as tours and hotel bookings when your trip is canceled or interrupted.
- Baggage delay insurance: Like trip delay insurance, baggage delay insurance can repay you for costs you end up paying when your luggage is delayed. Includes things like clothing, toiletries and medication.
- Emergency medical evacuation: Reimburses charges in the event you need to be evacuated for a medical emergency.
As you can see, some of these fall under Trawick International health insurance coverage, while others apply toward expenses incurred should your travel plans go awry. In either case, Trawick International has a coverage option for you.
» Learn more: Trip cancellation insurance explained
Trawick International policy overview
Policies range in size and scope, so it pays to read the fine print to know exactly what is covered and what isn’t.
Here's an overview of Trawick International's plan options and what is included.
| Plan | Trip Cancellation | Trip delay | Trip Interruption | Emergency Medical (Coverage type) | Emergency evacuation |
|---|---|---|---|---|---|
| Safe Travels Voyager | 100% up to $100,000. | $3,000 ($250/day for delays of 6 hours or more). | Up to $150,000. | $250,000. | $1 million. |
| Safe Travels Outbound | N/A. | $2,000 ($150/day for delays 12 hours+). | $7,500. | $50,000-$500,000. | $500,000. |
| Safe Travels Annual | Up to $10,000. | $750 per trip ($200/day for delays of 12 hours+). | Up to $10,000. | $10,000-$50,000. | $50,000-$250,000. |
| Safe Travels Rental Plus | Up to $10,000. | $600 ($200/day for delays of 12 hours+). | Up to $12,500. | $40,000. | $250,000. |
| Safe Travels Armor | Up to $100,000. | $1,000 ($150/day for delays of 12 hours+). | Up to $100,000. | $100,000. | $1 million. |
| Safe Travels AnyReason | Up to $10,000. | $500 ($100/day for delays of 12 hours+). | Up to $10,000. | $15,000. | $100,000. |
| Safe Travels Defend | Up to $50,000. | $600 ($150/day for delays of 12 hours+). | Up to $50,000. | $50,000. | $350,000. |
| Safe Travels Protect | Up to $14,000. | $300 ($100/day for delays of 12 hours+). | Up to $14,000. | $25,000. | $250,000. |
| Safe Travels Explorer | Up to $30,000. | $1,000 ($150/day for delays of 12 hours+). | Up to $30,000. | $50,000. | $200,000. |
| Pathway Premium | Up to $100,000. | $2,000 ($300/day for delays of 6 hours+). | Up to $150,000. | $100,000. | $1 million. |
| Pathway Plus | Up to $50,000. | $1,000 ($200/day for delays of 12 hours+). | Up to $50,000. | $50,000. | $350,000. |
| Pathway Essential | Up to $25,000. | $600 ($150/day for delays of 12 hours+). | Up to $25,000. | $25,000. | $250,000. |
| Pathway Domestic | Up to $14,000. | $300 ($100/day for delays of 12 hours+). | Up to $14,000. | N/A. | N/A. |
Add-on options
Trawick International has a few different add-ons available. The ones from which you can choose will depend on the plan you select:
- Cancel For Any Reason (CFAR): Provides reimbursement for expenses if you decide to cancel your trip for any reason.
- Interruption for Any Reason (IFAR): Provides reimbursement for expenses if your trip is interrupted for any reason.
- Emergency medical upgrade: Increases your policy maximum for emergency medical coverage.
- Trip delay upgrade: Increases your policy maximum for trip delay reimbursement.
- 24 Hour accidental death and dismemberment (AD&D): Adds on coverage for AD&D.
- Rental car insurance: Provides coverage when renting cars.
🤓 Nerdy Tip
Don’t want to shell out for travel insurance? A variety of travel credit cards offer complimentary trip insurance assuming you pay for the trip with your card. What’s not covered by a Trawick International plan
The type of coverage you’ll get from your Trawick International plan will change based on which plan you purchase. However, there are some instances that are generally not covered. These include:
- Known storms.
- Pre-existing conditions (unless specifically included).
- Adventure activities (unless specifically included).
- Intentional acts of harm.
How Trawick International compares to its competitors
On a 5-star scale, NerdWallet rated Trawick International 5 stars. Jump to see our methodology.
A sample trip for a 36-year old traveler from Indiana to Canada for five days found that the cheapest Trawick International plan cost $100. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $194.
This is in comparison to the cost range of $10-$202 for the sample trip. Note that price isn't the only differentiating factor. Coverage is not identical across plans; each company offers various levels of scope, limits and exclusions.
| Company | Star rating | Basic plan cost | Premium plan cost | Generate a quote |
|---|---|---|---|---|
| Berkshire Hathaway Travel Protection | | $26. | $75. | |
| Tin Leg | | $36. | $188. | |
| WorldTrips Travel Insurance | | $47. | $66. | |
| World Nomads | | $63. | $115. | |
| Trawick International | | $100. | $194. | |
| AXA Assistance USA | | $114. | $159. | |
| AEGIS (GoReady) Travel Insurance | | $139. | $208. | |
| HTH Travel Insurance | | $146. | $233. | |
| Seven Corners | | $154. | $225. | |
| Travel Insured International | | $164. | $218. | |
| Allianz Global Assistance | | $166. | $291. | |
| USI Affinity Travel Insurance Services | | $169. | $297. | |
| AAA | | $183. | $222. | |
| IMG | | $183. | $252. | |
| Travel Guard | | $135. | $236. | |
| Arch RoamRight | | $202. | $225. | |
| 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 created a sample trip.
In this example, a 34-year-old traveler from Connecticut paid a total of $4,500 for a two-week trip to Denmark in November. Here’s how the costs shook out.
| Plan name | Cost |
|---|---|
| Pathway Essential | $165. |
| Pathway Plus | $202. |
| Pathway Premium | $238. |
| Safe Travels Voyager | $269. |
| Safe Travels Armor | $235. |
| Safe Travels Explorer | $178. |
As you can see, Trawick International insurance cost varies significantly according to plan. The least expensive option is less than half Safe Travels Voyager, the most expensive policy.
How to buy a Trawick International policy
Purchasing a Trawick International policy is simple and can be done online. Once you’ve navigated to Trawick International’s website, you’ll just fill out your travel information to generate a quote.
Enter your age, trip cost and the date you made the first deposit (for example, the date you booked flights).
Trawick International will then come back with all the plans available for your trip. Pick the one that’s right for you, complete your personal information, and then pay for it.
Consider comparison shopping
If you're not 100% sold on purchasing a plan from Trawick, you can use a travel insurance aggregator to compare policies across multiple companies at once.
Which Trawick International travel insurance plan is best for me?
Choosing the right Trawick International plan for your needs is going to depend on where you’re going, how long you’re staying, the type of activities you’ll be doing and how much you’re willing to pay.
For example, if you’re planning on hiking during your vacation, you may want to spend more for better emergency medical coverage. The same is true if you’re renting a car and want to be covered in case of an accident.
- Look at coverage details. If you won't need trip interruption insurance, don’t buy it.
- Use existing coverage. Many travel credit cards offer travel insurance, though coverage levels will vary. Check your wallet to see if you have an eligible card that provides travel insurance.
» Learn more: How to find the best travel insurance
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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 in a few different ways, including mail, fax, email or an online portal.
To file a claim, you’ll need to have specific information on hand. This includes:
- Documentation for your claim.
- Plan name and certificate number.
- Information as to what happened.
Is Trawick International travel insurance worth it?
Is Trawick International travel insurance good? With many different plans from which to choose and a variety of add-ons available to customers, it’s easy to see why Trawick International is so popular.
Add this to the ability to file a claim online, plus concierge services available for even the cheapest plans, and it’s safe to say that a Trawick International plan could be worth it when traveling.
Frequently Asked Questions
Does Trawick International cover flight cancellation?
Yes, any of the Safe Travels plans will reimburse you for trip delays or trip interruptions in the event your flight is canceled.
How long does a Trawick International refund take?
The amount of time it takes for a reimbursement after filing a claim will depend on many factors, including what you’re filing for and the method in which you make a claim.
Is Trawick International travel insurance primary or secondary?
Whether the insurance you receive from Trawick International is primary or secondary will depend on which plan you purchase.
Does Trawick International cover COVID-19?
Yes, Trawick International provides coverage for COVID.
Trawick International travel insurance recapped
Trawick International offers a few travel insurance plans depending on your need. Before you buy a plan, be sure you’ve understood its coverage and costs, especially compared with other policies.
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:
- Scope of coverage.
- Customizability.
- Consumer experience and complaints.
- Cost.
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, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. 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:
- Scope of coverage (25%).
- Customizability (25%).
- Consumer experience and complaints (25%).
- Cost (25%).
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.
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.
- 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.
Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.
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.
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
Explore more on
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