Trawick International Travel Insurance Review

Travel insurance works by reimbursing you for prepaid trip costs if a trip gets canceled or interrupted, and some plans include coverage for emergency medical bills.

Trawick International is one of our top-rated travel insurance providers, protecting U.S. residents when they travel abroad. They also offer coverage for non-U.S. students temporarily residing outside of their home country for their studies. In this review, we cover what types of policies Trawick International offers and how much policies cost for a sample trip.

Trawick International has a portfolio of customizable travel insurance plans, and it’s a company we recommend for having well-rounded coverage. The most basic plans include trip cancellation and interruption coverage, but you may add on extras like rental car damage coverage. Plus, premium-tier plans come with higher protection limits and specialized coverage, such as insurance for rental property damage.

Trip protection aside, what sets Trawick International apart from other companies is its medical insurance for international students and scholars. College Care policies offer health care for students studying, teaching or doing educational research in the U.S.A., and deductibles start at $150. College Care plans may include maternity coverage, emergency evacuation coverage and reimbursement of medical costs for sicknesses, including COVID-19.

Trawick International markets its Safe Travels Explorer plan as its most budget-friendly comprehensive trip insurance option for travelers. Below are the coverage limits:

• $30,000 for trip cancellation and interruption
• $50,000 for medical accidents and sickness
• $1,000 to cover accommodations and other expenses for trip delays
• $200,000 for medical evacuations and repatriation
• $750 in baggage and personal effects coverage

If you’re looking for a higher level of coverage, the Safe Travels Voyager plan offers up to $100,000 in trip cancellation coverage and $250,000 in emergency medical coverage.

Add-Ons

Add-ons, or riders, are optional benefits you can include in your policy to expand protection. Trawick International has many policy add-ons; some are optional, and others are extra features included in higher-level policies.

• Accidental death and dismemberment
• Additional sickness and medical coverage
• Adventure activity coverage
• Car rental damage coverage
• Cancel for any reason (CFAR) coverage
• Interruption for any reason (IFAR) coverage
• Preexisting medical condition waiver
• Rental property coverage
• Upgraded trip delay coverage

Policies Offered

Below are trip cancellation insurance plans that Trawick International offers. What each plan covers is compared below.

The cost of travel insurance can depend on your age, how much your trip costs and how long you’re going for. To give you an idea of costs, we created two scenarios.

Cost of International Travel Insurance

Below is an estimate for a travel insurance policy for an international trip to Barbados. Two U.S. citizens are traveling, and the traveler ages are 35 years old and 27 years old. The total trip price is $4,000, and the trip starts on June 2, 2023 with a return date of June 16, 2023. The initial trip deposit was made on April 10, 2023.

Cost of Domestic Travel Insurance

Below is an estimate for a domestic trip for the same two adults mentioned above. The trip costs $4,000 and starts June 2, 2023 and ends June 16, 2023. The trip deposit was made on April 10, 2023. In this example, we see that costs increase substantially when adding optional coverage.

Trawick International gets 4.5 out of 5 stars from over 400 reviews on Trustpilot. Many customers report that representatives are friendly and knowledgeable. However, some customers complain that the company is unresponsive when they file a claim and that it can take months to have a claim resolved. Below are company reviews found on Trustpilot. We emailed Trawick International for a comment on the reviews and have not yet received a response.

“We had purchased travel insurance with Trawick for a trip in March, but the morning of the trip we had a medical emergency that made it impossible for us to travel. I thought there was no way to use the policy on our new travel dates but I reached out to Trawick’s customer service and they were very helpful! They asked me for documentation to prove we rescheduled our trip and when I provided it they changed the dates on our policy so that we can use it during our re-scheduled trip. Thank you!” —Juliana González Tobón

“I have always been hesitant about travel insurance, but I’m so grateful I finally started using Trawick. Getting Trawick insurance was a lifesaver for our Hawaii trip! Our flights got completely changed through the airline, and we had to completely rebook putting us in a real financial bind. Luckily, with all the appropriate paperwork, I submitted a request, and got refunded through Trawick due to the trip delay. We will be getting travel insurance through Trawick for every trip we go on from now on!” —Kaelan Young

“Trip to Peru/Machu Picchu was canceled due to several issues in Peru, [primarily] being no train service to Machu Picchu. Trawick provided conflicting information on whether the claim was covered. It is clear that they are doing everything they can to avoid paying a claim, or provide other options, as promised. Use another, reputable insurance provider!” —Peter Lievense

“They are constantly deferring the final resolution of the claim by 15 business days. After those elapse, they say wait another 15 business days and you get in a vicious cycle when they do not provide resolution EVER! I have had an incident on my trip a few months ago, but they are constantly ignoring my emails and do not provide any resolution.” —K. Stefanov

Trawick International provides a number of policy options, some without frills and others with higher limits for trip interruption coverage and extra features. However, a downside to having so many options is that it could be tougher to decipher plan details to determine which coverage would be best for your situation.

In addition to standard plans, Trawick also has specialized plans for international scholars studying abroad. If in doubt, you could contact Trawick International by phone or use the website’s chat feature to ask questions about plans.

Our team surveyed dozens of travel insurance providers and created a scoring system to judge each company’s quality and service. We reached out for sample quotes, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors that account for our provider reviews:

• Plan availability (20{0b5b04b8d3ad800b67772b3dcc20e35ebfd293e6e83c1a657928cfb52b561f97}): We looked for insurers with a variety of plans and the ability to customize the policy with upgrades.
• Coverage (40{0b5b04b8d3ad800b67772b3dcc20e35ebfd293e6e83c1a657928cfb52b561f97}): Among the benefits scored were medical expenses, medical and nonmedical evacuation, COVID-19 coverage, preexisting condition exclusion waivers, “cancel for any reason” coverage, trip interruption, travel delay time requirements, baggage delay time requirements, baggage reimbursement and financial default of a travel supplier. Special consideration was given to companies offering unique add-ons, such as extreme sports coverage, coverage for business equipment and pet coverage.
• Customer service and support (30{0b5b04b8d3ad800b67772b3dcc20e35ebfd293e6e83c1a657928cfb52b561f97}): We looked for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, a 24/7 emergency hotline, robust mobile apps and perks like concierge and translation services scored higher.
• Reputation (10{0b5b04b8d3ad800b67772b3dcc20e35ebfd293e6e83c1a657928cfb52b561f97}): We gauge reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau.

Taylor Medine started blogging about her experiences stretching a dollar in 2013 as a recent college grad. Eventually, that passion grew into a career studying personal finance topics and demystifying them for people like her — the everyday consumer. When she’s not writing, you’ll find her hunting for travel deals or trying (and often failing) at a DIY project.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.