Trawick vs Tin Leg: Which Travel Insurance Is Better?

Trawick and Tin Leg sell to the same traveler and answer the same question differently: Trawick puts its money into primary medical on every plan, Tin Leg into a plan at every medical level from $20,000 to $500,000, so you buy exactly the limit you need. 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 Trawick review and the Tin Leg review go plan by plan.

Where each one wins

The numbers that decide it

Medical and evacuation. Trawick’s best plan, Pathway Premium, carries $200,000 primary of medical and $1,000,000 of evacuation; Tin Leg’s best plan, Gold, carries $500,000 primary of medical and $500,000 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. 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. Tin Leg: Cancel for any reason is on Luxury, Adventure, Silver and Gold, refunds 75 percent, must be added within the plan’s window (14 or 15 days from the initial deposit), and requires cancelling at least two days before departure.

Pre-existing conditions. 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. Tin Leg: The pre-existing condition waiver window is 14 or 15 days from the initial deposit depending on the plan; Economy has no waiver.

Children. Trawick: No free-kids benefit. Tin Leg: No free-kids benefit.

Free look. Trawick: 14 days in most states (10 to 30 by state) for a full refund if you have not departed or filed a claim. Tin Leg: 10 to 15 days depending on the plan for a full refund if you have not departed or filed a claim.

What it costs

Both Trawick and Tin Leg 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

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. Tin Leg’s strengths are a plan at every medical level from $20,000 to $500,000, so you buy exactly the limit you need, Gold’s $500,000 of primary medical and Silver’s $1,000,000 of evacuation, cancel for any reason on four plans; its weak spot is the plan names do not track the limits (Luxury is the floor for a trip abroad, not the top), and the underwriter changes by plan. 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: Trawick review · Tin Leg review · cruise travel insurance guide · travel medical insurance guide · pre-existing conditions answer · all company reviews

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