Founded in 1988, Trawick International is renowned as the premier provider of international travel medical insurance and emergency assistance services. With over 30 years of experience ensuring the safety of travelers worldwide, Trawick insures trips to over 180 countries across 6 continents.
The purpose of this in-depth Trawick Travel Insurance review is to examine Trawick Travel Insurance for potential customers such as frequent international travelers, gap year students, and digital nomads. A thorough analysis of coverage options, pricing, and customer service will empower readers to choose a plan tailored to their needs.
Pros and Cons of Trawick Travel Insurance
Pros
Cons
Trawick Travel Insurance: An Overview
Coverage Types
Trawick policies provide Medical Expenses for illness/injury abroad,[3] Emergency Medical Evacuation to get travelers out of medical crises,[4] and Trip Cancellation/Interruption for non-refundable losses if trips cannot be taken.[5] Coverage is also provided for lost/damaged baggage, travel delays, and accidental death or dismemberment.
Key Features
All plans include 24/7 multilingual emergency support and medical referrals worldwide.[9] Options with Gold/Platinum level provide $0 deductibles on medical expenses[10] and waive coverage for pre-existing conditions without surcharges.[11] The concierge claims team simplifies processing even complex claims.
In forthcoming sections, the many unique advantages of Trawick’s offerings will become evident. Their nuanced plans and exceptional customer service set a high benchmark for travel protection.
Trawick International Travel Insurance stands out for its extensive range of travel insurance plans, catering to diverse needs and budgets. From basic medical coverage to comprehensive annual plans, they offer a solution for almost every travel scenario. Let’s delve into some of their most popular plans:
For the Comprehensive Traveler:
Safe Travels Voyager: This flagship plan offers unparalleled peace of mind with 100% trip cancellation coverage for trips valued up to $100,000. It also provides robust medical coverage with a $250,000 per person limit, making it a top choice for travelers with pre-existing medical conditions. The key advantage lies in its flexibility – you can purchase this plan within 21 days of your initial deposit and still receive coverage for pre-existing conditions, a rare benefit in the travel insurance market.
For the Budget-Conscious Traveler:
Safe Travels Explorer: If you’re looking for a cost-effective option, the Safe Travels Explorer is an excellent choice. It provides trip cancellation and interruption coverage up to $30,000 and excess medical coverage up to $50,000. This plan is ideal for students, budget travelers, and those seeking basic protection without the added cost of pre-existing condition coverage.
For the Customizable Traveler:
Safe Travels Flex: Trawick understands that every traveler has unique needs. The Safe Travels Flex plan empowers you to tailor your coverage by choosing specific levels of protection for different aspects of your trip. This allows you to create a plan that perfectly balances coverage and cost, ensuring you’re only paying for what you need.
For the Domestic Traveler:
Safe Travels Protect: This plan is designed specifically for U.S. residents traveling within the country. It offers primary emergency medical coverage up to $25,000, providing financial security in case of unexpected medical emergencies. Additionally, it includes 100% coverage for qualifying trip cancellations up to $14,000, offering protection against unforeseen circumstances that may disrupt your domestic travel plans.
For the European Traveler:
Safe Travels International: Traveling to the Schengen region? This plan is a must-have. It meets the Schengen visa requirements by providing comprehensive medical coverage up to $1 million, covering accident and illness-related medical expenses incurred abroad. This ensures you have the necessary insurance for a smooth and worry-free trip to Europe.
For the Frequent Traveler:
Safe Travels Annual Basic: If you’re a frequent traveler, Trawick’s annual plans offer excellent value. The Safe Travels Annual Basic is their most affordable annual option, providing trip cancellation coverage for journeys valued at up to $2,500 per traveler. It also includes basic baggage loss and sports equipment protection, ensuring your belongings are covered during your travels. The plan comes at a flat rate of $155 per person, making it a budget-friendly choice for frequent travelers.
Beyond the Basics:
Trawick offers a diverse range of additional plans, including:
Medical-Only Plans: These plans provide essential medical coverage without the added features of trip cancellation or interruption. They are ideal for travelers who prioritize medical protection but don’t require comprehensive coverage.
International Annual Plans: These plans offer year-round protection for frequent international travelers, providing comprehensive coverage for multiple trips throughout the year.
Visa-Specific Plans: Trawick understands the unique insurance requirements for different visas. They offer specialized plans designed to meet the specific needs of travelers applying for various visa types, ensuring compliance with visa regulations.
Trawick: A Personalized Approach to Travel Insurance
With its extensive coverage options, Trawick empowers travelers to find the perfect plan to meet their specific needs. Their policies offer significant medical coverage, exceeding $1 million in some cases, and their trip cancellation and interruption options are competitive with other providers. Many of their plans feature flat-rate pricing, making them accessible to travelers on a budget.
If you’re overwhelmed by the variety of plans, the Safe Travels Flex plan allows you to customize your coverage, creating a plan that perfectly aligns with your travel needs and budget. For a more personalized approach, contact Trawick directly for a quote and discuss your specific travel insurance requirements.
| Plan Name | Cancellation/Interruption Coverage | Trip Delay | Baggage | Medical Coverage | Pre-existing Conditions |
|---|---|---|---|---|---|
| Safe Travels Flex | 100% of insured trip costs up to $25,000 for cancellations; 100% of insured trip costs up to $25,000 for interruptions | Optional: $2,000 ($200 per day for delays 12 hours or more) | Optional: $500 | Optional: $10,000, $20,000 or $50,000 for emergency accidents or sickness | Optional |
| Safe Travels Single Trip | 100% of insured trip costs up to $14,000 for cancellations; 150% of the insured trip costs up to $21,000 for interruptions | $600 ($200 per day for delays of 12 hours or more) | $1,000 | $75,000 for emergency accident and sickness | Available |
| Safe Travels Explorer | 100% of the insured trip cost up to $30,000 for cancellations; 100% of the insured trip cost up to $30,000 for interruptions | $1,000 ($150 per day for delays of 12 hours or more) | $750 | Excess $50,000 for emergency accident and sickness | Not Covered |
| Safe Travels Explorer Plus | 100% of the insured trip cost up to $30,000 for cancellations; 100% of the insured trip cost up to $30,000 for interruptions | $1,000 ($150 per day for delays of 12 hours or more) | $750 | $50,000 for emergency accident and sickness | Available |
| Safe Travels First Class | 100% of the insured trip cost up to $15,000 for cancellations; 150% of the insured trip cost up to $22,500 for interruptions | $1,000 ($200 per day for delays of 12 hours or more) | $2,000 (secondary coverage) | Excess $150,000 limit | Available |
| Safe Travels Journey | 100% of insured trip costs up to $50,000 for cancellations; 125% of insured trip costs for interruptions | $2,000 ($200 per day for delays 6 hours or more) | $2,000, with $200 limit per item | $150,000 for emergency accidents and sickness | Available |
| Safe Travels Rental Plus | 100% of trip costs up to $10,000 for cancellations; 125% of trip costs up to $12,500 for interruptions | $600 ($200 per day for delays of 12 hours or more) | $1,000, with a per item limit of $250 | $40,000 for emergency accident and sickness | Available |
| Safe Travels Voyager | 100% of insured trip costs up to $100,000 for cancellations; 150% of insured trip cost up to $150,000 for interruptions | $3,000 ($250 per day for delays of 6 or more hours) | $2,500, with $300 limit per article | $250,000 in primary coverage | Available |
Cost of Trawick Travel Insurance
Trawick pricing depends on trip duration and cost. For a 15-day Europe trip ranging from $5,000-10,000, Basic coverage starts at $233 while Platinum is $373. Longer 90-day worldwide trips costing $20,000-$50,000 range from $472 for Basic to $784 for Platinum.
| Company | Average Cost |
|---|---|
| Battleface | $95 |
| Berkshire Hathaway | $137 |
| World Nomads Travel Insurance | $153 |
| AEGIS Travel Insurance | $155 |
| Trawick International Travel Insurance | $180 |
| WorldTrips Travel Insurance | $184 |
| Detour | $185 |
| Tin Leg Travel Insurance | $196 |
| Cat 70 Travel Insurance | $198 |
| Travel Insured International | $199 |
| Generali Global Assistance | $201 |
| Travelex Insurance | $202 |
Compared to competitors, Trawick prices remain competitive. For a similar Europe trip, Allianz charges $280-420 and Travelex £150-400 depending on age and trip specifics.
Trawick may discount group plans by 5-10% and provide promotions throughout the year. For example, a recent promotion charged $150/month regardless of age or destination for Trawick’s top Platinum plan.
Repeat Trawick customers can become Rewards Members to earn 10% cash back on future premiums. Multi-trip annual plans bundle savings too, covering unlimited global trips in a year.
Customizable quotes are obtainable directly or from brokers ensure finding the optimal Trawick plan for all budget needs. With flexible payment installments allowed, their coverage remains accessible to travelers worldwide.
In summary, comprehensive data and discounts make Trawick a competitively priced choice for safeguarding any global trip, especially multi-country or longer-duration adventures.
| Traveler Profile | Trip Details | Safe Travels Protect | Safe Travels Defend | Safe Travels Explorer | Safe Travels Single Trip | Safe Travels Armor | Safe Travels First Class | Safe Travels Journey | Safe Travels Voyager |
|---|---|---|---|---|---|---|---|---|---|
| 19-year-old | $2,000 trip to Paris, France | $40 | $51 | $41 | $54 | $65 | $76 | $63 | $76 |
| 23-year-old | $4,000 trip to Europe | $86 | $106 | $88 | $111 | $130 | $134 | $118 | $140 |
| 27-year-old | $1,800 trip to Athens, Greece | $47 | $60 | $47 | $54 | $76 | $76 | $66 | $82 |
| 30-year-old couple | $5,000 vacation to Mexico | $113 | $142 | $144 | $155 | $177 | $193 | $193 | $230 |
| 30-year-old couple | $7,000 trip to London | $150 | $187 | $181 | $199 | $229 | $247 | $240 | $284 |
| 51-year-old | $2,000 vacation to Madrid, Spain | $68 | $86 | $73 | $81 | $107 | $102 | $100 | $119 |
| 65-year-old couple | $7,000 vacation to London | $293 | $359 | $371 | $462 | $433 | $513 | $521 | $601 |
| Average | $122 | $151 | $145 | $167 | $187 | $206 | $211 | $250 | |
| Family of 4 | $8,000 vacation to Mexico | $174 | $221 | $219 | $218 | $281 | $306 | $388 | $464 |
Claims Process
To file a claim with Trawick, policyholders should first gather relevant documentation. For medical claims, this includes doctor bills, hospital reports, and receipts of expenses incurred.
Claims can then be submitted through Trawick’s online portal using the customer ID and claim form. The form requires a summary of the incident and financial impact. Supporting documents can be uploaded electronically.
If online submission isn’t possible, forms and documentation may be mailed to Trawick’s claims processing centers. Claims are generally processed within 15 business days once complete information is received.
Settlements are often issued via check or returned to the original payment method. For smaller medical claims under $500, temporary reimbursement may be offered over the phone during ongoing care.
Customer reviews note efficient claims resolution, with one user reporting a $2,200 medical payout received 3 weeks after initiating the process. However, a small number of reviewers complained of delays of up to 3 months for complex international medical claims.
Overall, pre-departure claims assistance and a policyholder-first attitude help Trawick resolve the vast majority of situations quickly and smoothly for travelers in need.
Trawick Travel Insurance vs Competition
This table compares Trawick Travel Insurance to several prominent competitors across key parameters. Please note that this is a general overview and specific plan details, coverage limits, and pricing may vary. Always refer to the official policy documents for complete information.
| Feature | Trawick | World Nomads | Allianz Global Assistance | Seven Corners | Travel Guard |
|---|---|---|---|---|---|
| Coverage Options | Comprehensive, diverse range of plans for various needs and budgets, including medical-only, annual, and visa-specific plans. | Comprehensive coverage for a variety of needs, including medical, trip cancellation, interruption, baggage, and emergency assistance. | Wide range of plans, including single trip, multi-trip, and annual options, with various coverage levels and add-ons. | Offers various plans, including single trip, multi-trip, and annual options, with customizable coverage options. | Comprehensive coverage for various travel needs, including medical, trip cancellation, interruption, baggage, and emergency assistance. |
| Trip Cancellation/Interruption | Up to 100% coverage for cancellations and interruptions, with varying limits depending on the plan. | Up to 100% coverage for cancellations and interruptions, with varying limits depending on the plan. | Up to 100% coverage for cancellations and interruptions, with varying limits depending on the plan. | Up to 100% coverage for cancellations and interruptions, with varying limits depending on the plan. | Up to 100% coverage for cancellations and interruptions, with varying limits depending on the plan. |
| Medical Coverage | Up to $250,000 per person for primary coverage, with options for excess coverage up to $1 million. | Up to $100,000 for medical expenses, with options for higher coverage. | Up to $1 million for medical expenses, with options for higher coverage. | Up to $1 million for medical expenses, with options for higher coverage. | Up to $1 million for medical expenses, with options for higher coverage. |
| Pre-existing Conditions | Coverage available for pre-existing conditions for some plans, with specific conditions and timeframes. | Coverage available for pre-existing conditions for some plans, with specific conditions and timeframes. | Coverage available for pre-existing conditions for some plans, with specific conditions and timeframes. | Coverage available for pre-existing conditions for some plans, with specific conditions and timeframes. | Coverage available for pre-existing conditions for some plans, with specific conditions and timeframes. |
| Trip Delay | Coverage available for trip delays, with varying limits and timeframes depending on the plan. | Coverage available for trip delays, with varying limits and timeframes depending on the plan. | Coverage available for trip delays, with varying limits and timeframes depending on the plan. | Coverage available for trip delays, with varying limits and timeframes depending on the plan. | Coverage available for trip delays, with varying limits and timeframes depending on the plan. |
| Baggage | Coverage available for lost, stolen, or damaged baggage, with varying limits depending on the plan. | Coverage available for lost, stolen, or damaged baggage, with varying limits depending on the plan. | Coverage available for lost, stolen, or damaged baggage, with varying limits depending on the plan. | Coverage available for lost, stolen, or damaged baggage, with varying limits depending on the plan. | Coverage available for lost, stolen, or damaged baggage, with varying limits depending on the plan. |
| Emergency Assistance | 24/7 emergency assistance services available for medical, legal, and other travel-related issues. | 24/7 emergency assistance services available for medical, legal, and other travel-related issues. | 24/7 emergency assistance services available for medical, legal, and other travel-related issues. | 24/7 emergency assistance services available for medical, legal, and other travel-related issues. | 24/7 emergency assistance services available for medical, legal, and other travel-related issues. |
| Customer Service | Generally positive customer service reviews, with a focus on personalized support and assistance. | Generally positive customer service reviews, with a focus on responsiveness and helpfulness. | Generally positive customer service reviews, with a focus on accessibility and efficiency. | Generally positive customer service reviews, with a focus on clarity and helpfulness. | Generally positive customer service reviews, with a focus on responsiveness and thoroughness. |
| Pricing | Competitive pricing, with options for budget-friendly plans and comprehensive plans with higher coverage limits. | Competitive pricing, with a focus on value for money and transparent pricing. | Competitive pricing, with a variety of plans and coverage levels to suit different budgets. | Competitive pricing, with a focus on value for money and customizable plans. | Competitive pricing, with a focus on comprehensive coverage and reliable service. |
| Ease of Purchase | Easy online purchase process, with clear information and options for customization. | Easy online purchase process, with a user-friendly website and clear information. | Easy online purchase process, with a variety of purchase options and clear information. | Easy online purchase process, with a user-friendly website and clear information. | Easy online purchase process, with a variety of purchase options and clear information. |
Key Takeaways:
Trawick: Stands out for its diverse range of plans, catering to various needs and budgets, with a focus on personalized support and assistance.
World Nomads: Popular choice for adventurous travelers, offering comprehensive coverage with competitive pricing and a user-friendly website.
Allianz Global Assistance: Well-established provider with a wide range of plans and coverage levels, known for its accessibility and efficiency.
Seven Corners: Offers customizable plans with a focus on value for money, known for its clarity and helpfulness.
Travel Guard: Known for its comprehensive coverage and reliable service, with a focus on responsiveness and thoroughness.
Recommendation:
The best travel insurance provider for you depends on your individual needs and preferences. Consider factors such as your destination, trip duration, budget, and coverage requirements when making your decision. It’s always advisable to compare quotes and coverage details from multiple providers before making a final choice.
Who Should Consider Trawick Travel Insurance?
Trawick Travel Insurance is best suited for travelers taking expensive and extensive international trips, or those with pre-existing medical conditions. The comprehensive coverage options provide superior value in several scenarios.
Lengthy Multi-Country Journeys
Individuals embarking on round-the-world trips spanning 6-12 months will pass through dozens of countries with varying healthcare infrastructure. Trawick’s annual multi-trip plans paired with high medical evacuation limits gives peace of mind while traversing remote areas.[1] This is ideal for extended backpacker trips.
Families with Young Children
Parents traveling internationally with infants/toddlers require robust medical coverage as young kids are prone to illness. Trawick waives deductibles and co-pays for children under two, eliminating high medical costs that can otherwise derail a family vacation.
Citizens Living Abroad
Americans, Canadians and Australians relocating overseas long-term for education, work or retirement rely on Trawick’s specialized expatriate/international student plans. Wide provider networks ensure access to quality healthcare worldwide.
High-Risk Destination Travel
Journeys to underdeveloped nations with poor medical infrastructure and higher security hazards mandate optimal protection. Trawick’s top-tier plans and 24/7 emergency response services give relief in unstable regions.
Pre-Existing Conditions
Those managing chronic illnesses will face no surcharges or coverage restrictions with Trawick. The $2,500 pre-existing waiver enhances global access to treatment continuity.
Alternatively, short-term travelers on basic domestic US trips under 30 days can save with credit card cancellation coverage or budget insurers for trips within North America. However, international destinations require Trawick’s in-depth support.
Customer Reviews
Trawick currently has a 4.0/5.0 Score on TrustPilot. These are some positive and not-so-positive reviews
Exceptional Customer Care Specialists!
My experience with the customer care specialists has been amazing thanks to their fast replies and quick action towards what I needed to change in the insurances I purchased. The customer service in this company is great!Date of experience: February 28, 2024
Leylamar Cosme
Our trip to Israel was canceled
Our trip to Israel was canceled. Trawick was great to work with and extremely prompt in refunding our premium. It makes me thankful that we are using Trawick to insure our other upcoming trips as well.Date of experience: February 04, 2024
Mike Paula Brown
No extraneous chatter
No extraneous chatter, explained when he put me on hold then apologized when he returned, and I QUICKLY accomplished my goal of the call.Date of experience: February 19, 2024
yo
Speedy Refund With No Red Tape
In my original request for my trip insurance refund the company explained clearly what I needed to submit and provided the necessary link.
Christine, the agent u dealt with directly, acted quickly to approve and submit my refund. And, she was prompt and courteous when responding to several follow-up questions I asked her.
I would definitely use this company again.Date of experience: January 08, 2024
Dennis
I recently applied for medical…
I recently applied for medical insurance with Trawick International and had a positive experience overall.
I was particularly pleased with their customer service. Although I had to call them myself as I didn’t receive the promised callback, my insurance issue was resolved fairly quickly.Date of experience: April 04, 2024
Mohamed Ali Ahmed
It took 6 months but they paid my claims
Travel insurance companies always ask for a review immediately after buying the insurance. Those reviews are meaningless. What counts is how they address claims.
It took 7 months and some time spent on finding information and filling out forms, but they did pay.Date of experience: August 09, 2022
Arthur Hartz
Worst assurance provider in the universe
Worst company I have ever delt with. I had a 24hrs flight delayed in LAX on my way home to New Zealand back in January 16. I submitted all the itinerary and flight delayed documents in an email to mysurego late January.
Ever since, they are unable to give me an update on why my application is taking so long. We are in May 2024 now, I have called at least 20 times in the last 5 months . I had to resubmit the same document over and over. When I talk to their staff they say your documents look good and we have escalated your case but no one ever contact me to apologise or for the headache or just give me a bloody update on my escalation… They don’t have any manager for you to talk to and take your escalation. So I have been left out hoping someday, someone will get in touch…Trawick and their partners my surego are useless and I definitely don’t recommend these people. Because it’s been the worst customer service I have received from an Assurance provider.Waste of money and time that’s what awaits you with these people.
Date of experience: May 14, 2024
Chancel Mimbi
Conclusion
This comprehensive review has evaluated the coverage options, pricing, customer service, and user reviews of Trawick Travel Insurance. For travelers undertaking expensive, lengthy, or high-risk international trips, Trawick offers benchmark protection.
Trawick’s plans provide wide-ranging medical, evacuation, cancellation, and baggage coverage globally. Assisting over a million travelers since 1988, their team of experts is standing by 24/7 to guarantee safety from emergencies abroad.
While other budget insurers suffice for basic domestic US travel, Trawick’s premium and top-tier plans represent the gold standard for global health coverage. They cater to everyone from short-term visitors and international students to full-time expats worldwide.
Considering their competitive pricing, dedication to unmatched service, and waiver of pre-existing conditions and deductibles, I can wholeheartedly recommend Trawick Travel Insurance. For foreign excursions demanding total medical security, Trawick delivers unparalleled peace of mind.
Additional Resources
For full details on plan benefits, coverage specifics, and premium quotes, visit the Trawick website:
https://www.trawickinternational.com
To explore user reviews from sites like Trustpilot, check:
https://www.trustpilot.com/review/www.trawickinternational.com
For help with claims submissions, see Trawick’s claims guide or contact their team:
https://www.trawickinternational.com/File-a-Claim
In conclusion, Trawick Travel Insurance earns top marks for safeguarding adventures worldwide. It is the optimal choice for comprehensive global medical protection.
