Travel Insured vs Trawick: Which Travel Insurance Is Better?

Travel Insured and Trawick sell to the same traveler and answer the same question differently: Travel Insured puts its money into Deluxe’s $250,000 of medical and $500,000 of evacuation at a mid-range price, 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

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 Insured review and the Trawick review go plan by plan.

Where each one wins

The numbers that decide it

Medical and evacuation. Travel Insured’s best plan, Worldwide Trip Protector Platinum, carries $500,000 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 Insured: Cancel for any reason is an upgrade on Deluxe and Platinum, refunds 75 percent, has to be added when you buy within the plan’s window (14 or 21 days from the initial deposit), and requires cancelling at least two days before departure; an Interruption For Any Reason upgrade at 75 percent comes with it. 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 Insured: The pre-existing condition waiver applies when you buy within the window in the plan document (14 or 21 days from the initial deposit) 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 Insured: Children 17 and under traveling with an insured adult are free on Deluxe and Platinum. Trawick: No free-kids benefit.

Free look. Travel Insured: 14 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.

What it costs

Both Travel Insured and Trawick are on the CoverTrip comparison, priced next to each other and 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 enter the trip once, find the plan from each company that carries the limits you need, and take the cheaper one. Same price on the comparison as buying direct.

What the plans say

Travel Insured’s strengths are Deluxe’s $250,000 of medical and $500,000 of evacuation at a mid-range price, free children on Deluxe and Platinum, Platinum’s $500,000 of medical and $1,000,000 of evacuation; its weak spot is Essential’s $200,000 of evacuation and no cancel for any reason on it, which makes it a domestic-only budget plan. 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

Related: Travel Insured review · Trawick review · cruise travel insurance guide · family travel insurance guide · travel medical insurance guide · all company reviews

Plan limits and upgrade rules on this page are from the insurers’ plan pages and policy documents for Travel Insured and Trawick, checked 12 September 2026, and from the CoverTrip reviews of each company. Price guidance is from the plans on the CoverTrip comparison.