Trawick Travel Insurance Review 2024

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If you’re planning a trip, one of the most important things you can do is ensure you’re protected if something goes wrong. That’s where travel insurance comes in. Trawick International is among the best travel insurance companies with a variety of plans for different types of travelers, so you can find the coverage that’s right for you. 

Here we’ll look at the variety of plans Trawick offers, coverage amounts, costs, and how to file a claim. We’ll also compare Trawick’s most popular policies and other leading travel insurance providers’ coverage.

Trawick International Travel Insurance Review

Trawick International travel insurance is one of the most popular travel insurance companies on the market, earning spots on our guides on the best cheap travel insurance and the best CFAR travel insurance. 

Trawick offers a wide array of policies, so you’re sure to find one that will fit your travel plans. Even if you can’t find a plan that is one-to-one with your trip, one of Trawick’s stand-out options is its Safe Travel Flex plan, which allows you to build your own insurance plan from scratch. It includes travel cancellation and interruption insurance in addition to travel assistance. Everything else is optional, from medical coverage to baggage delay. 

Trawick has received an average Trustpilot rating of 4.2 across nearly 500 reviews and 4.1 across over 3,100 SquareMouth reviews. Trawick reviews on its headquarters in Alabama are mixed, averaging 3.3 stars across nearly 350 reviews. Negative reviews cited a difficult claims process and unresponsive customer service.

Trawick International Plans

Types of Plans Available

• Safe Travels Trip Protection: With 10 plans under this umbrella, Trawick Trip Protection is highly customizable. You can even build a plan from the ground up with Safe Travles Flex. It covers domestic and international trips for US residents.
• SafeTreker: Trawick’s plan for adventure sports travel, SafeTreker covers sports equipment rental, search and rescue, and non-medical evacuation for over 450 sports.
• Safe Travels USA: Trawick offers four tiers of insurance for non-US citizens and non-US residents traveling in the USA, offering accident and sickness coverage, emergency medical evacuation, and unexpected recurrence of a pre-existing conditions (limitations apply). 
• Safe Travels International: Trawick offers two plans for non-US citizens and non-US residents traveling outside the US, covering emergency medical procedures, emergency evacuation, and repatriation. 
• Safe Travels Outbound: This plan offers primary but temporary travel insurance for US citizens and residents traveling outside the US. It includes medical and emergency evacuation coverage, including COVID-related illnesses.
• Safe Travels Annual: Trawick offers three multi-trip annual travel insurance plans that offers emergency medical, baggage delay, and trip delay coverage for trips up to 30 days long. Trip cancellation coverage spans between $2,500 to $10,000 per year.
• Safe Travels Vacation Rental Protection plan: This plan covers non-refundable expenses such as airfare, hotels, vacation rentals, and other pre-paid trip deposits. It’s only available for US residents.
• Collegiate Care Essential plan: This plan is designed for students studying abroad for study and research purposes. It offers coverage for up to $300,000 in medical expenses, with a limit of $150,000 per injury or sickness. COVID-19 medical expenses are covered with the plan, as is coverage for sports activities.

Regardless of which policy you choose, it’s vital to study each of them closely to see what is and isn’t covered in the one you choose.

Key Features and Benefits

Trawick International travel insurance offers several plans for different types of travelers with different needs. The coverage levels and premiums will vary depending on the traveler’s age, trip costs, and destination.

Below is a list of six travel insurance plans Trawick offers with its Trip Protection plan:

Regardless of which policy you choose, it’s vital to study each of them closely to see what is and isn’t covered in the one you choose.

Additional Coverage Options

Trawick International travel insurance offers additional coverage options on specific plans. Some come with no extra charge. Others cost extra. And only some policies allow for these additional coverage options.

Additional coverage options include:

Rental car damage coverage: It’s possible to add this coverage to certain plans from Trawick, like its Safe Travels First plan. This coverage will reimburse damage to a rental car up to an allowed amount.

Pre-existing condition coverage: Pre-existing condition waivers are available if you purchase travel insurance within seven to 21 days of booking your flight, depending on the policy.

CFAR coverage: “Cancel for any reason” coverage can only be added to Trawick’s Armor, Journey, Voyager, First Class, Flex, and Rental Plus plans. This add-on allows travelers to cancel their trip, for any reason, up to two days before departure and get 75% of trip costs reimbursed. CFAR coverage is only available for US residents and US citizens.

How Much Does Trawick International Cost?

Getting a quote from Trawick is a straightforward process. You can visit its website or use an insurance comparison site like Squaremouth.

You must provide traveler and trip details like your date of birth, state of residence, destination, and trip costs. With this information, you should be able to get quotes for the different plans available almost instantly.

Below are a few real-world examples of coverage options and costs from Trawick as of April 2024.

For example, let’s look at what it would cost to insure a 35-year-old resident of Ohio spending $8,000 on a two-week trip to France. Below are the costs for each of the six different coverage options.

The cost of coverage ranges from the bottom-tier Safe Travels Explorer plan at $257.04 to the top-tier Safe Travels First Class policy for $453.33. That equates to about 3% to 6% of the total trip cost, which is on the lower end when compared to the average cost of travel insurance.

Now let’s look at the cost of coverage for a 55-year-old from Colorado traveling to Argentina and spending $6,000 on a three-week trip.

The premiums for this traveler are higher, but that’s to be expected given their age. The lowest cost Safe Travels First Class plan costs $243.23 and the top-tier Safe Travels Voyager costs $574.14. That represents a cost of between 4% and 9.5% of the total trip cost, higher than the previous example but still within industry averages.

Lastly, we’ll look at the premium costs for a 45-year-old resident of Texas traveling to Fiji for two weeks and spending $7,000 on the trip.

The lowest cost plan in this scenario is the Safe Travels Explorer plan, which runs $284.28. And the most expensive is the Safe Travels First Class, at $405.54. You’re paying between 4% and 5.8% of the total trip cost at these prices. Again, that’s right on track with the averages in the travel insurance industry.

Filing a Claim with Trawick Travel Insurance

Trawick International travel insurance has several different claims departments and forms, so how you file a claim will vary depending on the coverage you purchase.

You can find claims forms and contact information on Trawick’s claims forms page. That’s where you’ll find information regarding where to mail or email your claim form and contact information for the appropriate claims group.

Reviews on SquareMouth and Google say claims process can take up to several months and require constant hassling. To avoid additional issues with the claims process, be sure to keep thorough documentation of any unexpected costs incurred during travel. Additionally, you should be as specific as possible when filing a claim.

Compare Trawick Travel Insurance

See how Trawick stacks up against the competition. 

Trawick International vs. Allianz Travel Insurance

Allianz and Trawick International travel insurance are similar in offering several different coverage options.

Allianz offers 10 travel insurance plans, including one-off and multi-trip policies. So you’ll have options whether you’re looking to cover a specific trip or plan to take multiple trips a year. Of course, the different plans offer varying levels of coverage, and the premiums depend on the traveler and trip specifics.

Allianz’s most popular single-trip travel insurance option, the OneTrip Prime plan, offers up to $100,000 in trip cancellation coverage, up to $150,000 in trip interruption coverage, $50,000 in emergency medical coverage, up to $1,000 in coverage for baggage loss, theft, or damage, and up to $800 in travel-delay coverage.

Trawick’s most comparable plan is its Safe Travels Explorer Plus plan, which offers up to $100,000 in trip cancellation and interruption coverage, $50,000 in emergency medical coverage, up to $750 for personal effects, and trip delay coverage of $500.

The best way to decide which company to go with is to compare quotes using your specific trip details and personal information, as those are the details that will affect the cost the most.

Read our Allianz travel insurance review here.

Trawick International vs. Nationwide Travel Insurance

Nationwide is a household name when it comes to insurance providers and one of the most well-known and recognized insurance firms in the US. By providing just two single-trip options, the Essential and Prime plan, Nationwide travel insurance has made it simple to find coverage. Nationwide also offers yearly trip insurance for those that travel a lot throughout the year, as well as Cruise specific plans and annual trip insurance.

To compare the two companies, we’ll put Nationwide’s Essential plan beside Trawick International travel insurance’s middle-of-the-road Safe Travels Single Trip plan.

Nationwide’s Essential Plan provides up to $10,000 in trip cancellation coverage, up to $250,000 in emergency medical evacuation, up to $150 per day ($600 maximum) reimbursement for travel delays of six or more hours, and coverage for delayed or lost baggage.

In comparison, Trawick’s Safe Travels Single Trip plan offers 100% of the insured trip (up to two times the trip cost) in trip cancellation coverage, $350,000 in emergency medical evacuation, and up to $200 per day ($600 maximum) for travel delays of 12 or more hours, and lost and delayed baggage coverage.

So, this particular plan from Trawick offers slightly higher coverage limits for most of the coverages compared.

The high-tier Prime Plan from Nationwide offers even more coverage, including up to $30,000 in trip cancellation, up to $1 million in coverage for emergency medical evacuation, up to 200% of the trip cost (maximum of $60,000) in trip interruption coverage, and $250 per day for trip delays of six or more hours.

To compare, Trawick’s highest-tier Safe Travels Voyager plan comes with trip cancellation coverage of up to $100,000, up to $1 million in emergency medical evacuation, up to 150% of the insured trip cost for trip interruption, up to $2,000 maximum reimbursement for travel delays, and coverage for delayed or lost baggage.

Comparing these two policies, you see how it’s somewhat of an apples-to-oranges comparison, as some coverage limits are higher or lower. And don’t forget that the coverage premiums will vary depending on the traveler and trip specifics.

Read our Nationwide travel insurance review here.

Trawick International vs. Credit Card Travel Insurance Benefits

Be sure to compare the coverage of travel insurance plans with the coverage offered by your rewards credit cards before purchasing a travel insurance policy. Some basic coverage, like rental car insurance, could already be available through one of your existing cards.

If you’re on a road trip and all your expenses are refundable, or if your health insurance covers you while abroad and you don’t think you’ll have many medical bills, the coverage from your credit card may be sufficient.

It’s also worth noting that in most cases, credit card travel protection is only supplementary to a travel insurance policy. This implies you’ll have to file your claim with the other relevant insurance (such as the airline) before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed Trawick International

We compared Trawick International’s travel insurance offerings to those of the best travel insurance companies to help you find the policy that fits your needs. When reviewing a policy, we considered coverage options and limits, what’s included in your plan, add-ons available, and costs. The best policy for you is one that offers adequate coverage without breaking the bank.

Choosing the best policy for you and any co-travelers is about selecting a policy with the right type of coverage and adequate coverage limits. Ideally, you should ensure that it works well in your budget and allows you to submit a claim quickly. You can read more about how we rate travel insurance products here.

Trawick International Travel Insurance FAQs