Travel Guard vs Trawick: Which Travel Insurance Is Better?
Travel Guard and Trawick sell to the same traveler and answer the same question differently: Travel Guard puts its money into Deluxe’s $150,000 of medical and $1,000,000 of evacuation, Trawick into primary medical on every plan. This page puts the plans side by side from the insurers’ own plan documents, says which one wins for each kind of trip, and shows the numbers that decide it.
The plans side by side
| Plan | Emergency medical | Evacuation | Cancel for any reason | Pre-existing waiver window | Kids free |
|---|---|---|---|---|---|
| Travel Guard Essential | $15,000 | $150,000 | No | 15 days | One per adult |
| Travel Guard Preferred | $50,000 | $500,000 | Upgrade, about 50% back | 15 days | One per adult |
| Travel Guard Deluxe | $150,000 | $1,000,000 | Upgrade, about 50% back | 15 days | One per adult |
| Trawick Pathway Essential | $25,000 primary ($100 deductible) | $250,000 | No | None | No |
| Trawick Pathway Plus | $100,000 primary | $350,000 | No | 14 days | No |
| Trawick Pathway Premium | $200,000 primary | $1,000,000 | Upgrade, 75% back | 21 days | No |
Limits are per person. Read the medical column first: it is the one that separates these two companies, and it is the one that pays the bill that can pass $100,000. The Travel Guard review and the Trawick review go plan by plan.
Where each one wins
| The trip or the traveler | Pick | Why |
|---|---|---|
| A cruise or a trip outside the US | Trawick Pathway Premium | $200,000 of primary medical and $1,000,000 of evacuation. Travel Guard Deluxe carries $150,000 (secondary) and $1,000,000. |
| A mid-priced plan for a trip abroad | Trawick Pathway Plus | $100,000 of primary medical and $350,000 of evacuation, with the waiver when bought within 14 days. Travel Guard Preferred carries $50,000. |
| A domestic trip with children | Travel Guard Preferred | One free child per adult. Trawick has no free-kids benefit. |
| Cancel for any reason | Trawick Pathway Premium | 75 percent, added within 21 days of the deposit (not in New York). Travel Guard refunds about 50 percent within 15 days. |
| A traveler with a pre-existing condition | Trawick Premium for the window; Travel Guard on every plan | Trawick waives within 21 days on Premium and 14 on Plus; Travel Guard within 15 days on all three plans. |
| Price | Trawick, on the comparison | Priced next to the other plans when you enter the trip once. Travel Guard sells only direct. |
The numbers that decide it
Medical and evacuation. Travel Guard’s best plan, Deluxe, carries $150,000 of medical and $1,000,000 of evacuation; Trawick’s best plan, Pathway Premium, carries $200,000 primary of medical and $1,000,000 of evacuation. For a trip outside the US the floor is $100,000 of medical and $250,000 of evacuation; for a cruise, a remote trip or a traveler over 65, $250,000 and $500,000.
Cancel for any reason. Travel Guard: Cancel for any reason is an upgrade on Preferred and Deluxe, refunds about 50 percent (most of the market pays 75), must be added within 15 days of the first payment, and requires cancelling more than two days before departure. Trawick: Cancel for any reason is on Pathway Premium only, refunds 75 percent, must be added within 21 days of the deposit, and is not available in New York.
Pre-existing conditions. Travel Guard: The pre-existing condition waiver applies when you buy within 15 days of the first trip payment and insure the full trip cost. Trawick: Pathway Plus waives the pre-existing condition exclusion when you buy within 14 days of the deposit, Premium within 21 days, both with the full trip cost insured; Essential has no waiver.
Children. Travel Guard: One child 17 and under is free per paying adult on all three plans; the child must be related to and traveling with that adult. Trawick: No free-kids benefit.
Free look. Travel Guard: 15 days after purchase for a full refund if you have not departed or filed a claim. Trawick: 14 days in most states (10 to 30 by state) for a full refund if you have not departed or filed a claim.
See Trawick priced next to the plans that beat Travel Guard
Enter your trip once and every top plan comes back side by side, priced for your dates. Same price as buying direct.
See plans & pricesAbout 60 seconds. Nothing to sign up for.What it costs
Travel Guard sells only direct and is not on the comparison. Trawick is on the CoverTrip comparison, priced next to the other plans when you enter the trip once. Travel insurance is priced by the trip cost, the ages of the travelers and the trip length, and a package plan usually costs 4 to 8 percent of the trip cost, so the way to compare these two is to enter the trip once, note the price of a plan with the limits you need, and hold Travel Guard’s direct quote against it. Same price on the comparison as buying direct.
What the plans say
Travel Guard’s strengths are Deluxe’s $150,000 of medical and $1,000,000 of evacuation, one free child per adult on every plan, a large assistance operation behind it (AIG); its weak spot is a cancel for any reason refund of about 50 percent, and thin medical on Essential and Preferred for a trip abroad. Trawick’s strengths are primary medical on every plan, Premium’s $200,000 of medical and $1,000,000 of evacuation, a 21-day window on Premium; its weak spot is Essential’s $25,000 medical limit with a $100 deductible, and no free-kids benefit. Both refund 100 percent of the insured trip cost for a listed cancellation reason, both include a 24-hour assistance line, and both are underwritten by large insurers; the difference between them is the limits and the upgrade rules above, not the paper.
Questions people also ask
Is Trawick better than Travel Guard?
On medical, yes: Trawick’s medical is primary on every plan and higher plan for plan ($100,000 against $50,000 in the middle, $200,000 against $150,000 at the top), and its cancel for any reason refunds 75 percent against about 50. Travel Guard’s advantage is a free child per adult on every plan.
Which is better for a cruise, Travel Guard or Trawick?
Trawick Pathway Premium: $200,000 of primary medical, $1,000,000 of evacuation and the waiver when bought within 21 days. Travel Guard Deluxe clears the floor at $150,000 and $1,000,000.
Does Trawick have cancel for any reason?
On Pathway Premium only: 75 percent of the trip cost, added within 21 days of the deposit, not sold in New York. Travel Guard’s upgrade on Preferred and Deluxe refunds about 50 percent within 15 days.
Related: Travel Guard review · Trawick review · cruise travel insurance guide · travel medical insurance guide · family travel insurance guide · all company reviews
Plan limits and upgrade rules on this page are from the insurers’ plan pages and policy documents for Travel Guard and Trawick, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.
See Trawick priced next to the plans that beat Travel Guard
Enter your trip once and every top plan comes back side by side, priced for your dates. Same price as buying direct.
See plans & pricesAbout 60 seconds. Nothing to sign up for.Related
Damian TysdalDamian Tysdal is the founder of CoverTrip and a licensed travel insurance agent since 2006. He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006. About CoverTrip.