Trawick International Travel Insurance Review 2025

Trawick International is one of the leading travel insurance companies, earning spots on our guide to the best cheap travel insurance and the best CFAR travel insurance.

Business Insider compared Trawick International to the best travel insurance companies and found it to be a standout option, with a variety of plans for different types of travelers, so you can find the coverage that's right for you.

Trawick International Travel Insurance Pros and Cons

Trawick International Travel Insurance Pros

• Wide variety of trip cancellation options
• Annual travel insurance option
• Below average premiums

Trawick International Travel Insurance Cons

• Preexisting condition waivers unavailable with cheaper plans
• Mixed ratings online

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Trawick International Travel Insurance Overview

Trawick International Travel Insurance offers six trip cancellation policies, offering various benefits and coverage limits. With such a variety of policies, Trawick can fill the needs of most travelers without having them pay for benefits they don't want.

Similarly, Trawick has a travel medical-only primary coverage plan that's far cheaper than its other policies for those who are just interested in the medical coverage.

All of Trawick's policies are relatively cheap, especially for older travelers, falling within or below the average range for travel insurance premiums.

That said, customer reviews online report that Trawick struggles with claims. Customers reported trouble reaching a claims agent and long wait times for processing.

Trawick International Travel Insurance Plans and Coverages

Trawick International Trip Cancellation Coverage

Trawick International offers a variety of trip cancellation travel insurance, which comes with travel medical insurance and emergency evacuation coverage. All plans come with additional benefits, like baggage protection.

Safe Travels Protect: This is the cheaper travel insurance plans that Trawick, offering up to $14,000 in trip cancellation and trip interruption insurance on trips up to 90 days in length. It offers up to $25,000 in primary medical expense coverage and $250,000 in medical evacuation. It does not offer preexisting medical condition waivers.

Safe Travels Explorer: Another budget plan from Trawick, Explorer comes with up to $30,000 in trip cancellation benefits, $30,000 in trip interruption, up to $50,000 in secondary coverage medical expense benefits, and up to $200,000 in medical evacuation. It offers other standard benefits, like baggage loss and delay, missed connection, and travel delay. It does not include a preexisting medical condition waiver.

Safe Travels Defend: The defend plan offers $50,000 in trip cancellation and interruption, both up to 100% of trip costs. It offers coverage for trip delay, missed connection, and baggage delay and loss. It offers $50,000 in primary medical expense coverage with a $100 deductible and $350,000 in emergency evacuation coverage. It offers preexisting medical condition waivers when the policy is purchased within seven days of initial trip deposit date.

Safe Travels Armor: Offers up to $100,000 in trip cancellation for trips up to 90 days. It also offers additional benefits like trip delay, airline ticket change fees, frequent travel loyalty benefits, baggage delay and loss, and missed connection coverage. It offers $100,000 in primary medical expense coverage and $1 million in emergency evacuation and repatriation coverage. It offers preexisting medical condition waivers when the policy is purchased within 14 days of initial trip deposit date.

Safe Travels Voyager: The Voyager plan offers up to $100,000 (100% of trip cost) in trip cancellation and $150,000 (150% of trip cost) in trip interruption. Voyager offers $250,000 in primary medical expense coverage and up to $1 million in emergency medical evacuation. It offers preexisting medical condition waivers when the policy is purchased within 21 days of initial trip deposit date. Trawick advertises the Voyager plan as its cruise insurance.

Safe Travels AnyReason: This travel insurance plan comes with $10,000 in trip cancellation and interruption insurance. It offers $15,000 in primary medical emergency coverage and $100,000 in evacuation coverage. It's unique among Trawick's trip cancellation plan because it comes with CFAR coverage, reimbursing you for up to 75% of your trip's nonrefundable costs, up to $7,500.

Trawick International Travel Medical Plan

Safe Travels Outbound: This is a medical travel insurance plan that offers $50,000 to $500,000 in primary coverage. It also offers $500,000 in evacuation insurance. It includes medical and emergency evacuation coverage, including COVID-related illnesses. While the plan doesn't offer trip cancellation coverage, it has some trip inconvenience coverage like trip delay, trip interruption, and baggage delay/loss coverage.

Trawick International Annual Travel Insurance

Safe Travels Annual: Trawick offers three multi-trip annual travel insurance plans: Basic, Deluxe, and Executive. Each offers emergency medical, baggage delay, and trip delay coverage for trips up to 30 days long within a 365-day period. Trip cancellation coverage spans between $2,500 to $10,000 annually, depending on the policy.

Trawick International Additional Policy Options

Trawick International also offers additional policy options for various types of travelers:

Safe Travels International: Trawick offers Safe Travels International in a base form and a cost saver plan. It's a travel medical insurance plan for plans for non-U.S. citizens and non-U.S. residents traveling outside the U.S., covering emergency medical procedures, emergency evacuation, and repatriation.

Safe Travels USA: Trawick offers four tiers of insurance for non-U.S. citizens and non-U.S. residents traveling in the USA, offering accident and sickness coverage, emergency medical evacuation, and unexpected recurrence of a preexisting conditions (limitations apply).

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 U.S. 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.

Optional Additions (Riders)

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. This coverage will reimburse damage to a rental car up to an allowed amount.

Preexisting condition coverage: Preexisting 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, 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 U.S. residents and U.S. citizens.

24-Hour AD&D: Provides a payout if a traveler accidentally loses a limb or dies.

Additional accident and sickness coverage: Available with some policies, travelers can purchase additional travel medical insurance on top of their existing coverage.

How Much Does Trawick International Cost?

Getting a quote from Trawick International 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.

A 23-year-old from Illinois taking a week-long, $3,000 trip to Italy.

A 30-year-old from California taking a two-week trip to Japan for $4,000.

A Texas family (two 40-year-old parents with a 10-year-old and 4-year-old) taking a two-week trip to Australia for $20,000.

A 65-year-old couple from New York taking a $6,000 trip to Mexico for two weeks.

The average cost of travel insurance ranges from 4% to 8% of your overall trip's cost. All of Trawick's plans, even its plans for older travelers, fall well within this range. Most of the policies fall below this range.

Trawick's annual plans have flat rates per person. It offers the following prices:

• Safe Travels Annual Basic: $163
• Safe Travels Annual Deluxe: $421
• Safe Travels Annual Executive: $817

How to Purchase and Manage a Trawick International Travel Insurance Policy

You'll want to purchase your Trawick International policy soon after you book a trip and make an initial trip deposit.

Once you consider your needs and options, you can start the purchasing process by requesting a quote on Trawick International's website. You'll need to provide your birthday, trip cost, home state, travel dates, and booking date.

Depending on your policy and when you booked the trip, you may be eligible for add-ons like CFAR coverage or preexisting condition waivers.

Note that you have a 10-day free look period after purchasing, which means you can cancel the policy during this time and receive a refund.

Filing a Claim with Trawick International 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 the 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.

Trawick International Travel Insurance Customer Reviews and Ratings

Trawick International has mostly positive customer reviews, receiving an average of 3.6 stars on Trustpilot and 4.12 stars on SquareMouth. Reviews on its Better Business Bureau page are by far the worst, averaging 1.18 stars. Most negative reviewers were dissatisfied with how their claims were handled, reporting long response times and unfair claims denials.

It's worth mentioning that Trawick followed up on most of its negative reviews with actionable information or the email of a specific person the customer can reach out to.

Additionally, customer reviews should generally be taken with a grain of salt. Overly negative reviews may be a result of customers only leaving a review when they have something negative to say. Overly positive reviews, particularly with travel insurance, should be looked at with scrutiny, as many of the positive reviews are often left by people who had a good purchasing experience, but never had to file a claim.

We can look at third-party ratings for a wider view of Trawick International.

The National Association of Insurance Commissioners' complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.

Trawick International policies are underwritten by two insurance companies. Your underwriter depends on which policy you choose.

Nationwide Mutual Insurance Co. scored 1.63 on the Company Complaint Index, indicating that it has more complaints than expected given its size. Starr Indemnity and Liability Co. received a 0.34, indicating that it has about a third of the complaints expected based on its size.

Both insurance companies received an A (Excellent) financial stability rating from AM Best, indicating that they are capable of meeting their financial obligations, like paying claims.

Trawick Travel Insurance Alternatives

See how Trawick stacks up against the competition. 

Trawick International vs. Allianz Travel Insurance

Allianz Allianz Travel Insurance 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.

Trawick International vs. Nationwide Travel Insurance

Nationwide Nationwide Travel Insurance is a household name when it comes to insurance providers and one of the most well-known and recognized insurance firms in the U.S. By providing just two single-trip options, the Essential and Prime plans, Nationwide travel insurance has made it simple to find coverage. Nationwide also offers yearly trip insurance for those who 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.

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.

Trawick International Travel Insurance FAQs

Why You Should Trust Us: How We Reviewed Trawick International

To evaluate Trawick International travel insurance, Business Insider reviewed the following factors:

Coverage amounts: We consider the policies available, what they cover, and how much coverage they offer. We like to see a variety of options available, with a great deal of flexibility to cover as many needs and customers as possible.

Inclusions/Exclusions: We consider common inclusions and exclusions, and how much customers have to pay for certain benefits. For example, many companies, like Trawick, offer preexisting condition waivers, but reserve them for their more expensive plans.

Cost: We obtain quotes for a variety of travelers, including single travelers, families, couples, and older travelers. We see how the quotes compare to the standard costs of travel insurance, which is between 4% and 8% of your total trip cost. We also pay attention to any savings opportunities travelers can take advantage of, like discounts for children.

Customer service: We consider how a company treats its customers by looking at online reviews on sites like Trustpilot, SquareMouth, and the Better Business Bureau. We also look at ratings from third-party organizations like the NAIC and AM Best. We look at any customer service features a company offers, like 24/7 helplines, which Trawick offers with some of their policies.

Unique features: We look to see if a company has any unique features or benefits.

Read more about Business Insider's travel insurance ratings methodology.

Meghan Hunter

Meghan Hunter is a personal finance and travel expert who has been writing about travel, credit cards, and miles and points since 2015. Previously, she worked as a writer and editor at Million Mile Secrets and The Points Guy. She covers travel, credit cards, and insurance for Personal Finance insider.Beyond travel, she's passionate about real estate investing and encouraging women toward financial independence. When she's not writing or editing, you can find her looking for her next investment or reviewing her retirement goals.Meghan lives in Portugal with her adventure-loving daughter. 

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Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions.ExperienceAs part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney.ExpertiseEvelyn is an expert in the following areas:

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EducationEvelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University.Evelyn has two dogs, Money and Tibber.

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