Trawick Travel Insurance Review 2024

Trawick’s Safe Travels First Class plan (above) is a travel insurance policy that provides decent limits for basic benefits. The First Class plan includes missed connection coverage for tours and cruises after a three-hour delay. Additionally, it provides $1,000 in travel delay benefits and $2,000 in baggage and personal items coverage.

Trawick’s Safe Travels Voyager plan: This policy is good for travelers seeking high benefit limits. It provides $1 million in medical evacuation and $250,000 per person in primary medical coverage. The Voyager plan also has very good travel delay coverage of $3,000 per person. It includes superior baggage loss benefits of $2,500 per person and very good baggage delay coverage of $600. Additionally, the Voyager plan includes $35,000 in coverage for rental car damage. A “cancel for any reason” upgrade is available as optional coverage with this plan.

Trawick’s Safe Travels Single Trip plan: This plan offers up to $75,000 in medical coverage and $350,000 for emergency medical evacuation, including coverage for Covid. “Cancel for any reason” coverage is not available with this plan.

Trawick’s Safe Travels Explorer plan: This is a budget-friendly travel insurance plan with trip cancellation and trip interruption coverage. It has $50,000 for emergency medical (including Covid coverage) and $2,000 for lodging expenses due to Covid quarantine.

Trawick’s Safe Travelers Explorer Plus plan: The Explorer Plus plan includes everything in the Explorer plan plus coverage for pre-existing conditions if you buy the plan within seven days of making an initial trip deposit.

Trawick Safe Travels Vacation Rental Protection plan: This plan covers non-refundable payments such as vacation rentals, hotels, airline tickets and other pre-paid, non-refundable deposits you made for your trip. You can get reimbursed for your deposits and payments if, for example, severe weather strikes and ruins your vacation.

Trawick Safe Travels Outbound plan: This plan is a primary, temporary travel insurance plan for U.S. citizens and U.S. residents traveling outside the United States. It includes medical and emergency medical evacuation coverage, including Covid coverage.

Trawick’s Collegiate Care Essential plan: This plan is suited for students who are temporarily residing outside their home countries for study and research purposes. It has $150,000 per injury or sickness, up to an overall maximum of $300,000. Covid-19 medical expenses are covered. It even has coverage for sports activities, such as injuries from intramural and club sports.

Rental car damage coverage may be available. For example, Trawick’s Safe Travels First Class plan can provide $50,000 for rental car damage.

Trawick’s Safe Travels First Class and Voyager plans have the option of adding “cancel for any reason” (CFAR) travel insurance to the travel insurance plan. This upgrade allows you to cancel for any reason up to two days before and receive 75% reimbursement.

Because benefits vary among Trawick’s travel insurance plans you’ll notice a variety of prices, too. Here are examples of prices for Trawick’s Safe Travels First Class plan.

Travelers and trip	Cost per trip for Trawick’s Safe Travels First Class policy
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$121.34
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$291.42
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$627.80
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days	$627.80
Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days	$627.80
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$430.34
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$220.18

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Trawick’s plans include access to a 24/7 travel assistance hotline. Help is available for things such as language translation, finding a pharmacy or hospital, locating a U.S. embassy and replacing a lost passport.

All travel insurance plans contain exclusions, so it’s good to review the fine print so that you’re familiar with what your plan doesn’t cover. Here are some examples of exclusions to emergency medical coverage for Trawick’s Safe Travels First Class plan:

• Cosmetic or reconstructive surgery, except as the result of an accident.
• Expenses related to an intentionally self-inflicted injury.
• Injuries from adventure or extreme activities such as bungee jumping, caving, mountain climbing, paragliding, rappelling, scuba diving and more.
• Injuries from participating in intramural or interscholastic sports or professional sports.
• Medical treatment that wasn’t recommended, approved and certified as necessary and reasonable by a physician.
• Services, supplies or treatment expenses that are non-medical in nature.
• Sickness resulting from pregnancy (except as provided by Emergency Medical Treatment of Pregnancy).
• Traveling for the purpose of receiving medical treatment.

Trawick has different claim forms depending on the plan you bought and the type of claim. Make sure you look at what supporting documentation you need in order to submit a complete claim. You can email or mail your claim form to the address listed in the claims section of the company’s website.

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons: (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.