Edited by: Nick Ellis
& Stella Shon
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There are many travel insurance companies you could consider before your next vacation.
One such company is Trawick International, which got its start in 1998 by providing insurance for students at universities and study-abroad participants.
Now, 25 years later, the company sells a variety of travel insurance plans, including those for domestic and international travel and even covering volunteer workers. Its most popular plans for U.S.-based travelers are underwritten by Nationwide, a household name in insurance.
Let’s look at everything you need to know about Trawick International insurance, review some of its plan types and costs, and then compare it to your other options for travel insurance.
While it’s not fun to think about, travel insurance can protect your health and your bank account when something goes wrong during your trip. This can include relocation when medical help isn’t nearby and reimbursement for extra expenses when your suitcase is lost or stolen.
Travel insurance covers the parts of your trip that don’t go according to plan. This includes cancellations and interruptions due to unexpected events like severe weather, illness, medical emergencies, theft, and more.
Each time you travel, you’ll decide whether to purchase travel insurance. You can purchase from travel companies while buying flights or cruises as well as purchasing from specialized travel insurance companies and customizing your policy to suit your needs. This also allows you to shop around for the best price. Additionally, you should consider whether it makes sense to purchase insurance coverage for each trip or an annual policy.
When does it make sense to purchase travel insurance? Consider the following:
While travel insurance is meant to cover unforeseen events, buying Cancel for Any Reason coverage also might allow you to cancel your trip for any reason.
The outbreak of the COVID-19 pandemic presented several new and unique problems for travelers. First, the medical concerns — should you contract COVID-19 while away from home, you may need to see a doctor or spend time in a hospital.
There are financial concerns, as well. The cost of tests, hospital visits, and seeing a doctor in a foreign country can add up quickly — as can the costs of quarantines or additional hotel nights. Moreover, some countries still require travelers to present proof of travel insurance that can cover these costs should they get sick or test positive for COVID-19 while in their destination country.
Trawick International has been providing travel insurance for 25 years and has an average of 4.4 stars across customer reviews on Trustpilot and 4.13 on Squaremouth. It also provides immediate plan documents and plan ID cards after purchasing a policy, helping you get proof of coverage immediately.
On top of positive customer reviews and the fact that it’s an established company with a worldwide footprint, Trawick International tends to provide higher maximum coverage amounts than competitors when comparing similar plan types. Moreover, COVID-19 coverage is included across plans, and coverage for pre-existing conditions can be added to most plans. This is good news for those needing this protection.
The variety of plan types is another bonus. While it may feel overwhelming to see so many options, this also indicates that plans are tailored to your specific needs, rather than a “one-size-fits-all” approach.
The biggest positive, however, may be Trawick’s partnership with Nationwide, which underwrites most of its trip cancellation-related policies for U.S.-based travelers. As a household name in insurance, this provides a sense of reliability.
Trawick International offers several types of insurance, depending on your home country, destination, and whether you’re looking for robust coverage or coverage that’s focused on medical costs.
For example, U.S. residents traveling internationally can buy a Safe Travels Outbound policy that’s focused on medical expenses but also includes coverage for delays, interruptions, or baggage problems. Policies start at $20 but have a 5-day minimum.
The most popular plan is the Safe Travels Voyager plan. It includes $1,000,000 of medical evacuation coverage, trip delay coverage, baggage delay benefits, rental car protections, and the ability to add “Cancel for Any Reason” (CFAR) coverage for an extra cost. However, there’s no option to add coverage for pre-existing medical conditions. The CFAR coverage can reimburse up to 75% of your non-refundable costs if you cancel at least 2 days before departure.
A Safe Travels First Class policy provides $1,000,000 in medical evacuation coverage, $150,000 in coverage for medical expenses, and missed connection coverage (for cruises and tours), but it requires a 12-hour delay before your baggage benefits kick in. You can add CFAR coverage to this policy also.
The Safe Travels Single Trip plan covers up to $75,000 of medical expenses and $350,000 for emergency medical evacuation (including COVID-19). Unfortunately, you can’t add CFAR to these policies.
With a Safe Travels Explorer plan, you get trip cancellation and trip interruption coverage at a low cost. You can add coverage for pre-existing conditions if you buy your plan within 7 days of your first deposit toward the trip.Hot Tip:
If you’re concerned about coverage for pre-existing medical conditions, understanding the timeline for when you need to purchase your policy is critical. It’s typically based on the time from your first payment toward your trip.
A Safe Travels Rental Plus plan covers your non-refundable trip expenses if bad weather cancels or interrupts your trip. This policy applies to costs for tickets, hotels, vacation rentals, and more.
Students studying outside their home countries can buy a Collegiate Care Essential policy. It covers up to $150,000 of expenses per injury or illness with a maximum of $300,000 per policy. It covers COVID-19 expenses as well as injuries from some sports.
To compare prices, we got quotes for a 1-week trip to England for a family of 4 (ages 35, 34, 5, and 3). The travel dates were October 5-11, 2023, and the first trip deposit was made within 24 hours. We estimated the trip cost as $1,000 per person.
|Policy Name||Cost (Low to High)||Key Highlights||Available Add-ons|
|Safe Travels Outbound||$80||
|Safe Travels Flex||$87.12||
|Safe Travels Explorer||$115||
Rental car collision damage waiver
|Safe Travels Single Trip||$128||
Rental car collision damage waiver
|Safe Travels Explorer Plus||$166.92||
Rental car collision damage waiver
|Safe Travels First Class||$183||
|Safe Travels Journey||$207.98||
|Safe Travels Voyager||$261.28||
Plans don’t provide coverage in Belarus, Russia, or Ukraine. Additionally, the optional add-ons you see will vary based on your home state of residence.
If you’re looking for annual travel insurance, Trawick International has it. Here’s how the 3 options compare:
|Policy Name||Cost||Key Highlights|
|Safe Travels Annual Basic||$155 per person||
|Safe Travels Annual Deluxe||$305 per person||
|Safe Travels Annual Executive||$675 per person||
Note that for the above plans, coverage starts the day after purchase and is only available for U.S. citizens and residents.
If you’re looking for a plan that covers adventure sports, you can read about inclusions and exclusions with the SafeTreker plan.Hot Tip:
Trawick also offers plans for non-U.S. residents traveling to countries outside the U.S., plans for those who need insurance that meets Schengen visa requirements, and more. We’ve focused on plans available to U.S. residents here, but there are additional options.
You can obtain a quote online easily by heading to Trawick International’s website. Interestingly, you can choose “multiple countries” as your destination.
After choosing your home and destination country(ies), provide your travel dates. Then, you’ll provide your deposit date and trip cost. You also have the option of choosing whether you want trip protection (for cancellations).
Policies will be cheaper if you choose “no” to trip protection, resulting in a policy that’s mostly focused on medical coverage. On the next page, you’ll provide the ages of anyone traveling on this policy and indicate whether or not you’re a student.
After this, you’ll receive a list of quotes showing prices and payout maximums in the various categories. You’ll also see options for add-ons and upgrades.
|Coverage||The Platinum Card® from American Express||Capital One Venture X Rewards Credit Card||Chase Sapphire Preferred® Card||Chase Sapphire Reserve®|
|Annual Fee||None; pay per plan||$695 (rates and fees)||$395||$95||$550|
|Rental Car Insurance||Primary insurance; covers up to $35,000||Secondary insurance; covers up to $75,000||Primary insurance; covers up to $75,000||Primary insurance; covers up to the cash value of any vehicles not excluded in the policy||Primary insurance; covers up to $75,000|
|Trip Cancellation and Interruption Insurance||Up to 100% of insured trip cost for cancellations (up to $100,000) and up to 150% for interruption (up to $150,000)||Up to $10,000 per trip; up to $20,000 per account per 12-month period||Up to $2,000 per person for you and immediate family members||Up to $10,000 per person, up to $20,000 per trip|
|Trip Delay Reimbursement||Up to $250 per day for delays of 6+ hours||Up to $500 per trip on delays of 6+ hours; maximum of 2 claims per account per 12 months||Up to $500 per person on delays of 6+ hours||Up to $500 per ticket on delays of 12+ hours or overnight||Up to $500 per ticket on delays of 6+ hours or overnight|
|Baggage Loss/ Damage Insurance||Up to $2,500||Up to $3,000 per person for luggage (up to $2,000 maximum for checked luggage); up to $1,000 per person maximum on high-value items|
Up to $2,000 per bag per each person maximum for New York residents, including a $10,000 aggregate maximum for all covered bags and covered persons on the trip
|Up to $3,000 per person ($2,000 per person for New York residents)||Up to $3,000 per person, with a $500 cap on jewelry and watches and a $500 cap on cameras and other electronic equipment|
|Baggage Delay Insurance||Up to $600 (on delays of 8+ hours)||None||None||Up to $100 per day, maximum of 5 days for delays of 6+ hours|
|Emergency Medical and Dental||Up to $250,000 (primary coverage; up to $750 for dental||None||None||None||Up to $2,500 for emergency medical expenses (with a $50 deductible); up to $75 per day for a maximum of 5 days for a hotel room after a hospital stay|
|Accidental Death and Dismemberment (Travel Accident Insurance)||Up to $50,000 for common carrier; up to $25,000 for 24-hour coverage||Up to $500,000 per person on common carrier travel||Up to $1,000,000 per person on common carrier travel||For common carrier travel: up to $500,000 per person; in other situations: up to $100,000 per person||For common carrier travel: up to $1,000,000 per person; in other situations: up to $100,000 per person|
|Emergency Evacuation||Up to $1,000,000||Included if coordinated through and approved by the Premium Global Assist Hotline||Can arrange it on your behalf, but you pay the costs||None||$100,000; evacuation must be pre-approved by the benefits administrator to be covered|
How does Trawick stack up to its competitors? We used Squaremouth to compare prices for that same 1-week family trip to England. Here’s how Trawick International compares to travel insurance plans and costs from USI Ruby and Generali Global Assistance Preferred when looking for similar types of coverage.
Trawick’s plan is the most expensive. All 3 plans cover COVID-19 but only USI and Trawick offer add-ons for pre-existing medical conditions; Generali doesn’t offer this on the Preferred plan. While Generali only offers $150,000 of secondary emergency medical coverage, USI and Trawick offer $250,000 of primary coverage. Trawick offers $1,000,000 of medical evacuation and repatriation coverage, while the other 2 only offer $500,000.
Trawick has the shortest waiting period for baggage delays and travel delays, as well as the highest maximum payouts in these areas. It also provides the highest maximum coverage for missed connections and baggage loss.
All 3 plans have the same coverage amounts for trip cancellation and trip interruption. Generali’s coverage for hurricanes and weather kicks in immediately, while Trawick requires waiting 12 hours; USI requires 48 hours.
You can file a claim with Trawick International online, by email, or through the mail. You’ll start by finding the name of your plan (listed in the confirmation coverage, which you received after purchase) and gathering all documents related to your claim. These include receipts, documents related to the claim — such as a doctor’s note or letter from the airline confirming the reason for a delay — and a claim form specific to your plan type.
Co-ordinated Benefit Plans, LLC
On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies
P.O. Box 26222
Tampa, FL 33623
Trawick International offers a wide range of travel insurance plans, has largely positive customer reviews, and its maximum coverage amounts tend to be higher than competitors when looking at similar plans. That said, its costs can be higher than competitors, so evaluate whether you need these extra benefits before paying for them.
All plans should cover COVID-19 and several cover pre-existing medical conditions. However, you need special plans for adventure sports. If you’re going to buy a plan, ensure you know what you need and get the right policy. Having a policy that doesn’t cover your needs is the same as not having a policy at all.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For the baggage insurance plan benefit of the Amex Platinum card, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the car rental loss and damage insurance benefit of the Amex Platinum card, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For the premium global assist hotline benefit of the Amex Platinum card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, card members may be responsible for the costs charged by third-party service providers.
For the trip delay insurance benefit of the Amex Platinum card, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For the trip cancellation and interruption insurance benefit of the Amex Platinum card, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card® from American Express, click here.
Scuba diving is classified as an “extreme sport” in Trawick’s policies. This means it’s not covered under trip cancellation, trip interruption, emergency accident, accidental death, or other coverage on standard travel insurance plans. You must purchase a SafeTreker plan to cover scuba diving.
Trawick and Nationwide are partners but are not the same company. Nationwide underwrites (provides the backing) for Trawick’s trip cancellation policies, including its popular Safe Travels and SafeTreker insurance plans.
Trawick International has been around for 25 years and has grown significantly in that time. It has high customer ratings on Trustpilot and Squaremouth. In addition, many of its policies are underwritten by Nationwide, which is a major name in insurance.
Coverage for COVID-19 is built into all plans and treated like other sicknesses/illnesses. This is good news, as you don’t need a special carve-out for pandemics. Any medical, cancellation, or other parts of your policy will apply if your trip is affected by becoming sick or testing positive.
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Ryan has been on a quest to visit every country in the world and plans to hit his final country in 2023. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.
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