Trawick International Review

Full Trawick International Insurance Review

Summary: Trawick is the most popular travel insurance company based on actual sales data. Trawick is popular because they have the right balance of coverage and price. Their plans cover Covid-19 for cancellation and medical treatment. They have good medical emergency coverage. They also offer the popular Cancel For Any Reason upgrade on two plans.

Their Safe Travels Voyager plan is the most popular travel insurance policy based on sales data. Voyager is their higher-end plan, but the pricing still makes it competitive for most travelers.

Trawick has too many plans it can be confusing. Most companies offer the popular “Good-Better-Best” plan offerings. They have a total of 6 travel insurance plans, each one slightly different.

Most travelers will buy Safe Travels Voyager as a great overall plan. For simplicity in this review, we’ll look at their budget-friendly plan called Safe Travels Explorer, and their mid-range plan called Safe Travels Journey. They also offer Safe Travels Single Trip,  Safe Travels First Class, and Safe Travels Explorer, but to keep things simple we’ll cover the main 3 plans.

Alternatives to Trawick
Trawick is the most popular company, and their Safe Travels Voyager plan is the most popular plan. They have high medical coverage, which is a plus compared to similar plans.

However, for the same money or even less, there are better plans.

Travel Insured offers a plan called Worldwide Trip Protector that has better coverage for a comparable price. This plan has better hurricane & weather coverage, includes Cancel For Work Reasons, includes non-medical evacuation, and covers pre-existing conditions. That is a lot of extra coverage for a similar cost.

Company Information
Trawick started in 1998, focusing mostly on international insurance for students. They have expanded their products over the years and have strong financial backing by underwriter Nationwide Mutual.

Trawick is a reputable company that complies with the Zero Complaint Policy.

What does Trawick travel insurance cover?

Trawick’s travel insurance plans work well for most travelers. These are the plans you would buy for a vacation, cruise, tour, or any other trip where you are worried about losing money for a canceled trip.

Like all travel insurance plans, they cover:

• Trip cancellation & interruption
• Emergency medical expenses
• Medical evacuation expenses
• Lost, stolen, or damaged baggage
• Travel delays
• Delayed baggage
• 24/7 worldwide assistance

Trawick International & Cancel For Any Reason Insurance

Trawick has the optional Cancel For Any Reason coverage available with two plans: Voyager (their most popular plan) and First Class.

Some companies, such as Allianz, don’t offer this upgrade on any plans. Even though it is optional, I believe it is better to have the option. This is why I recommend Travel Insured over Allianz.

Travelers like the peace-of-mind this coverage provides. It gives you a lot of flexibility in cancelling your trip and still getting most of your money back.

Trawick International and Covid-19

All  Trawick plans covers Covid-19 for both trip cancellation and emergency medical expenses.

Trip Cancellation and Covid-19

Trawick treats Coronavirus like any other sickness when it comes to trip cancellation coverage. Trip cancellation covers cancellations if someone gets sick or injured before the trip and cannot travel. This is the most popular reason for trip cancellation, and travelers make claims for this all the time. It might be a child with the flu. Or a parent having a stroke and you need to care for them.

In the case of Covid, if you get sick before departure and your doctor advises you to cancel, this is a covered reason for cancelling. You would receive any trip expenses you lose as a reimbursement from the insurance company. Physicians provide verification for this all the time.

Emergency Medical Treatment and Covid-19

Similarly, Trawick’s plans cover Covid as they would any other sickness for emergency medical care. If you are traveling abroad and get sick or have an illness, you are covered for medical care costs.

How much does Trawick International insurance cost?

Trawick tends to be similar in price to comparable plans for travelers under 60, but more quite a bit more expensive for older travelers. In general, I think there are better plans for the money.

Here are the most popular comparable plans that we’ll compare:

Trawick Safe Travels Voyager
Trawick has a high medical limit here at $250,000. This is more than adequate travel medical coverage for most trips. I recommend at least $100,000 for international travel. This plan also has the option to upgrade with Cancel For Any Reason, but the hurricane coverage is not as good as the other plans here.

Travel Insured Worldwide Trip Protector
This is a plan with medical limit of $100,000. This is an adequate amount of travel medical coverage for most trips. Travel Insured has better hurricane & weather coverage. This plan also has the option to upgrade with Cancel For Any Reason.

Seven Corners RoundTrip Choice
Most coverage is similar, but this plan has emergency medical coverage up to $500,000. This is far higher than similar plans. Also has Cancel For Any Reason available

Now let’s look at pricing based on different types of travelers and trips:

Trip 1
This is a seven day trip, two travelers both aged 45, with a trip cost of $3,500

• Trawick Safe Travels Voyager- $182
• Travel Insured Worldwide Trip Protector- $224
• Seven Corners RoundTrip Choice- $252

Here, Trawick is lower than the similar plans by roughly 20%. This is a good saving, and if the lower coverage is not an issue this is a good plan for younger travelers.

Trip 2
This is a seven day trip, a family of four (ages 45, 45, 12, 10) with a trip cost of $6,500

• Trawick Safe Travels Voyager- $286
• Travel Insured Worldwide Trip Protector- $224
• Seven Corners RoundTrip Choice- $438

In this case, Trawick is in the middle, about 24% more than Travel Insured. I would choose Travel Insured because they have better coverage for less money.

Trip 3
This is a 14-day trip, two travelers both aged 70, with a trip cost of $4,500

• Trawick Safe Travels Voyager- $562
• Travel Insured Worldwide Trip Protector- $422
• Seven Corners RoundTrip Choice- $430

Finally, Trawick is more expensive by about 30%. Their plans are more expensive for older travelers, and I would recommend Travel Insured or Seven Corners.

Trawick International Plans

Safe Travels Explorer
Just the necessities. Explorer is Trawick’s budget-friendly travel protection plan. This plan includes Trip Cancellation and Interruption, $50,000 coverage for Emergency Medical Expense as well as of $2,000 for potential accommodations/lodging expenses, lost baggage and many other essential benefits while you travel.

Safe Travels Explorer Plus
The Explorer Plus plan features everything in the Explorer plan along with coverage for Pre-Existing Medical Conditions on plans purchased within 7 days of making your initial trip deposit. That’s the main difference between the two.

Safe Travels Journey
The Journey plan includes all the benefits as the Explorer Plus with extended coverage and coverage for airline ticket exchange fees. This plan includes coverage for Pre-Existing Medical conditions when purchased prior to or within 14 days of making your deposit and $150,000 of Emergency Medical Coverage along with $500,000 of Emergency Evacuation coverage.

Safe Travels Voyager (Most Popular)
The Safe Travels Voyager is designed for those who are looking for the highest available benefit limits to protect your trip. This plan covers $250,000 per person limit Primary Medical Coverage with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. Also offers the optional Cancel for Any Reason (CFAR) provides reimbursement for 75% of the prepaid, non-refundable, forfeited payments you paid for your trip if you cancel your trip for any reason not otherwise covered by this policy.

Safe Travels First Class Trip Protection
This plan has more “in between” coverage and pricing, with Secondary Medical Coverage of $150,000.

Safe Travels Single-Trip Trip Protection
A similar plan with coverage in between the rest, $75,000 of Secondary Medical Coverage.

Trawick International FAQs