Trip Cancellation

Reimburses 100% of your prepaid, non-refundable, forfeited trip costs — up to $25,000 — if you are prevented from taking your covered trip before departure due to a covered unforeseen event. Covered events typically include:

• Accidental injury, illness, or death of you, a traveling companion, or an immediate family member
• Unannounced strike
• Terrorist attack
• Weather causing complete cessation of all flights
• Other covered unforeseen events listed in your state-specific certificate

Covers airline ticket cost, reissue fees, and non-refundable airfare cancellation charges for flights joining or departing your land/sea arrangements. Refer to your state certificate for the complete list of covered events and exclusions.

Trip Interruption

If your trip is cut short after departure due to a covered reason — such as sickness, accidental injury, death of a traveling companion, strike, terrorist attack, mandatory evacuation, or severe weather — the plan reimburses up to 100% of your insured trip cost (maximum $25,000) for unused prepaid expenses plus additional transportation costs home.

Trip Delay

If you are delayed 12 or more hours en route to or from your trip due to a covered hazard (carrier delay, traffic accident, weather, lost or stolen passports, quarantine, hijacking, natural disaster, civil unrest), the plan reimburses reasonable additional expenses up to $600 total at $150/day on a one-time basis.

Missed Connection

If you miss your cruise or tour departure because all regularly scheduled airline flights were cancelled or delayed for 6 or more hours due to inclement weather, the plan pays up to $300 for additional transportation expenses, reasonable daily expenses, and unused prepaid trip costs. Secondary to any carrier compensation.

Emergency Medical Coverage

• $25,000 primary emergency medical — covers medically necessary treatment for accidental injury or emergency sickness that first manifests during your covered trip; $100 deductible; pays first before your other health insurance
• Emergency dental — up to $250 for dental expense resulting from a covered accident or emergency
• Note: This plan does not include a Pre-Existing Medical Condition Exclusion Waiver — pre-existing conditions are excluded

Emergency Medical Evacuation & Repatriation

• $250,000 Emergency Medical Evacuation — covers medically necessary emergency transportation to the nearest appropriate medical facility when local care is insufficient; must be required by the attending physician and the assistance company; must use the most direct and economical route; all evacuations must be arranged and authorized in advance by the Assistance Company
• $250,000 Repatriation of Mortal Remains — covers return of remains to your primary residence in the event of death during the covered trip

Baggage & Belongings

• Baggage & Personal Effects — up to $500 (primary coverage; $100 per article limit; $0 deductible) for loss, theft, or damage to baggage while checked with a common carrier during your trip
• Baggage Delay — up to $250 ($75/day; secondary coverage) for necessary replacement of personal items when checked baggage is delayed or misdirected for 24+ hours

COVID-19

COVID-19 and SARS-CoV-2 are covered and treated the same as any other sickness under this plan.

Included Non-Insurance Services

• 24/7 Worldwide Travel Assistance — emergency assistance coordination available around the clock
• Traveler Lounge Pass (via Blink Parametric) — real-time airport lounge access for qualifying flight delays; no claims required; included at no extra cost
• Runway Health Pre-Travel Medication Readiness Consultation — complimentary online consultation with a U.S.-licensed physician before your trip; medication kits shipped to your door if prescribed; included at no extra cost

The Pathway Essential plan is designed for U.S. residents who want reliable core trip protection at an accessible price — without the premium cost of higher-tier plans. It's the right fit when you want the fundamentals covered: trip cancellation, emergency medical, and evacuation, without paying for benefits you may not need.

This plan is an excellent fit for:

• U.S. residents taking domestic or international trips up to 90 days
• Budget-conscious travelers who want core trip cancellation and medical protection
• Travelers with lower trip costs who don't need $100,000+ in cancellation coverage
• Those who are in good health and are comfortable without a pre-existing condition waiver
• Travelers who want basic evacuation coverage without the premium of higher-tier plans
• First-time travel insurance buyers looking for a straightforward, easy-to-understand policy
• Domestic travelers who want primary medical coverage outside their home health network

How Pathway Essential compares to the other Pathway plans:

Eligibility notes:

• Available to U.S. residents only; up to age 85
• Plan must be purchased before departure from the U.S.
• Available up to 18 months in advance of departure; maximum trip length 90 days
• Plan rates are per person, based on trip cost, number of days, and age at time of purchase
• Not available for travel to Indonesia, Lebanon, Cuba, North Korea, Palestine, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, Russia, or other OFAC/restricted countries
• Underwritten by AmTrust Financial Services, Inc.

Customize your Pathway Essential coverage with optional add-ons available at purchase.

Accidental Death & Dismemberment (24-Hour)

Adds $10,000 in Accidental Death & Dismemberment coverage for losses occurring at any time during your covered trip. AD&D is not included in the Pathway Essential base plan and must be added as an optional upgrade.

Rental Car Damage Coverage

Reimburses up to $50,000 for damage to or theft of a rental car during your covered trip.

• Deductible: $100
• You must be a licensed driver listed on the rental agreement
• Covers cost of repairs, rental charges while under repair, and actual cash value up to the benefit maximum
• Not available in NY

Adventure & Extreme Sports Medical Coverage

Extends emergency medical coverage to injuries sustained while participating in covered adventure sports and extreme sports activities that would otherwise be excluded from the base plan.

• Maximum benefit: $5,000
• Not available in NY

Provided by Trawick International — 24/7 Worldwide Assistance

Every Pathway Essential plan includes access to round-the-clock emergency travel assistance, plus two added-value non-insurance benefits through Trawick's partnerships with Blink Parametric and Runway Health.

To reach Trawick International Assistance:

• Phone: (888) 301-9289
• Email: info@trawickinternational.com
• Hours: 24/7 for emergency assistance; customer service closed most major U.S. holidays
• Online: mytrawick.com

What assistance services include:

• Emergency medical evacuation coordination and pre-authorization — all evacuations must be arranged and authorized in advance by the Assistance Company
• Repatriation of remains arrangements
• Emergency referrals to local physicians, hospitals, and clinics
• Translation and interpreter services
• Emergency cash and travel document assistance

Traveler Lounge Pass — Powered by Blink Parametric Automatic, real-time airport lounge access when your flight is delayed — no claims required. When a qualifying delay is detected, Blink sends lounge access directly to your phone. Included at no additional cost.

Runway Health — Pre-Travel Medication Readiness Consultation A complimentary pre-departure online consultation with a U.S.-licensed physician available in all 50 states — completely online, no phone calls or video visits needed. If a prescription is warranted, medication kits are filled by a U.S. pharmacy and shipped to you with a medication guide and destination-specific health information. Included at no additional cost.

• • • • • • Get a Quote / Apply Online
          • Plan Brochure
          • State-Specific Certificates of Insurance — select your state of residence for your specific policy form
          • File a Claim
          • Claim Forms
          • Healthcare Provider Search

          The Certificate of Insurance for your state of residence is the only source of actual benefits, terms, and exclusions. This page is a general summary only. Benefits, limits, and availability vary by state. Underwritten by AmTrust Financial Services, Inc.

Trawick International offers online claims administration through the MyTrawick member portal — the fastest and most convenient way to file and track your claim.

Step-by-step claims process:

1. Log in to MyTrawick at mytrawick.com to file your claim online.
2. Download the appropriate claim form at trawickinternational.com/claim-information/claim-forms/ if filing by mail.
3. Gather supporting documentation relevant to your claim type:
   • Trip Cancellation/Interruption: travel invoice, proof of payment, cancellation notices from travel suppliers, and documentation of the covered reason (physician statement, death certificate, weather reports, etc.)
   • Medical claims: itemized bills and receipts from all treating providers, physician statements, and proof of payment
   • Baggage claims: written report from the carrier confirming loss, theft, or damage; police report if applicable; receipts for lost or damaged items
   • Trip Delay claims: written confirmation from the carrier of the delay cause and duration, plus receipts for additional expenses incurred
   • Missed Connection: documentation of the airline delay/cancellation and any compensation received from the carrier
4. Submit your claim online or by mail/email to SureGo Administrative Services (Trawick's claims administrator).

Claims contact:

SureGo Administrative Services Email: info@trawickinternational.com Online: mytrawick.com

General customer service:

Trawick International P.O. Box 2284 Fairhope, AL 36533 Phone: (888) 301-9289 Email: info@trawickinternational.com

The Pathway Essential plan includes a Free Look period — you may cancel your policy and receive a full refund of premium provided no claim has been filed and you have not yet departed on your trip.

Free Look Period by state:

• 14 days — most states (date of purchase counts as Day 1)
• 10 days — Arkansas, Arizona, Delaware, Georgia, New York, Washington
• 15 days — Texas
• 21 days — Florida
• 30 days — Idaho, Indiana

After the Free Look period expires: You may only cancel for a pro-rata refund if all of the following are true:

• Your travel supplier has cancelled the entire trip
• Your trip has not yet started
• No claims have been filed and you do not intend to file a claim

If travel has already started, the premium is fully non-refundable.

To request a cancellation during the Free Look period, submit documentation to:

Email: info@trawickinternational.com

Trawick International P.O. Box 2284 Fairhope, AL 36533 Phone: (888) 301-9289

This page is a general summary only and does not supersede the Certificate of Insurance or governing policy documents, which are the only source of actual benefits. Benefits, limits, and availability vary by state. This plan is available to U.S. residents only, up to age 85. Underwritten by AmTrust Financial Services, Inc. Administered by Trawick International. Non-insurance assistance services provided by Trawick International, Blink Parametric, and Runway Health. This plan is not available for travel to Indonesia, Lebanon, Cuba, North Korea, Palestine, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, Russia, or other OFAC/restricted countries. The purchase of travel insurance is not required to purchase any other product or service.