Pathway Plus Trip Cancelation Plan Details
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Plan Coverage Summary
The Pathway Plus plan is Trawick International's mid-tier trip cancellation and travel insurance plan for U.S. residents. It delivers a meaningful step up from Pathway Essential — with higher trip cost protection, $100,000 in primary medical coverage, pre-existing condition waiver, and primary baggage coverage — at a price point below the top-tier Pathway Premier and Premium plans. Coverage is available for trips up to 90 days. Must be purchased prior to departure from the U.S.
Trip Protection Benefits
- Trip Cancellation — 100% of insured trip cost; maximum $50,000; maximum trip length 90 days
- Trip Interruption — 125% of insured trip cost; maximum $62,250
- Trip Delay — up to $1,000 ($200/day; minimum 12-hour delay)
- Missed Connection — up to $300 for delays of 6+ hours of all regularly scheduled airline flights
Medical Benefits
- Emergency Accident & Sickness Medical Expense — $100,000; $0 deductible; primary coverage
- Emergency Dental — up to $500
- Pre-Existing Medical Condition Exclusion Waiver — included when purchased within 14 days of initial trip deposit date; full non-refundable trip cost must be insured; 180-day lookback period
Emergency Evacuation & Repatriation
- Emergency Medical Evacuation — up to $350,000
- Repatriation of Mortal Remains — up to $350,000
Baggage & Belongings
- Baggage & Personal Effects — up to $1,000; $0 deductible; $100 per article limit; primary coverage
- Baggage Delay — up to $300 ($100/day; minimum 12-hour delay); primary coverage
Accidental Death & Dismemberment
- AD&D (24-Hour) — $10,000 Principal Sum; included in base plan
- Optional AD&D (Air Only) — $25,000 (add-on)
Included Non-Insurance Services
- 24/7 Worldwide Travel Assistance — included
- Traveler Lounge Pass (via Blink) — included; airport lounge access for qualifying flight delays
- Runway Health Pre-Travel Medication Readiness Consultation — included
Optional Add-Ons (additional cost; availability varies by state)
- Rental Car Damage — up to $50,000; $100 deductible (not available in NY)
- Adventure & Extreme Sports Medical Coverage (not available in NY)
Coverage limits and availability vary by state. This plan is available to U.S. residents only. Not available for travel to Lebanon, Cuba, North Korea, Palestine, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, Russia, or other OFAC/restricted countries. Please review your state-specific Certificate of Insurance for complete terms, conditions, and exclusions.
Key Benefits
Trip Cancellation
Reimburses 100% of your prepaid, non-refundable, forfeited trip costs — up to $50,000 — if you are prevented from taking your covered trip before departure due to a covered unforeseen event. If you elect to reschedule rather than cancel, the plan pays airline or travel supplier change fees in lieu of the cancellation reimbursement. Covered events typically include:
- Accidental injury, illness, or death of you, a traveling companion, or an immediate family member
- Strike, bankruptcy, or default of a travel supplier
- Terrorist attack
- Called to military duty or subpoenaed for jury duty
- Other covered unforeseen events listed in your state-specific certificate
Trip Interruption
If your trip is cut short after departure due to a covered reason, the plan reimburses up to 125% of your insured trip cost (maximum $62,250) — covering unused prepaid expenses plus additional transportation costs to return home or rejoin your trip.
Trip Delay
If you are delayed 12 or more hours en route to or from your trip due to a covered event (carrier delay, traffic accident, weather, stolen passport, quarantine, hijacking, natural disaster, civil unrest), the plan reimburses reasonable additional expenses up to $1,000 total at $200/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 to help cover additional transportation costs to join your trip. Secondary to any carrier compensation.
Emergency Medical Coverage
- $100,000 primary emergency medical — covers medically necessary treatment for accidental injury or emergency sickness that first manifests during your covered trip; $0 deductible; pays first before your other health insurance
- Emergency dental — up to $500 for dental expense resulting from a covered accident or emergency
- Pre-Existing Condition Waiver — the pre-existing condition exclusion is waived when you purchase within 14 days of your initial trip deposit date, insure the full non-refundable trip cost, and are medically able to travel on the effective date; 180-day lookback period applies
Emergency Medical Evacuation & Repatriation
- $350,000 Emergency Medical Evacuation — covers medically necessary emergency transportation to the nearest appropriate medical facility; must be recommended by the attending physician and pre-approved by the assistance company; most direct and economical route required
- $350,000 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 $1,000 (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 $300 ($100/day; primary coverage) for necessary replacement of personal items when checked baggage is delayed or misdirected for 12+ hours
Accidental Death & Dismemberment
- $10,000 Principal Sum (24-Hour) — included in the base plan; covers covered accidental death or dismemberment occurring at any time during the trip
- $25,000 AD&D Air Only — optional add-on; covers accidental death or dismemberment while riding as a fare-paying passenger on a commercial aircraft
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; prescription medication kits shipped to your door if prescribed; included at no extra cost
Who This Plan is For
The Pathway Plus plan is built for U.S. residents who want solid mid-tier protection — more coverage and flexibility than the Essential plan, without the higher premium of the Premier or Premium tier. It's the right choice when you have a meaningful trip investment to protect and want pre-existing condition coverage, but don't need $100,000+ in cancellation limits or $1,000,000 in evacuation.
This plan is an excellent fit for:
- U.S. residents taking domestic or international trips up to 90 days with trip costs between $5,000–$50,000
- Travelers with pre-existing conditions who want the waiver but need to purchase within 14 days of deposit
- Cruisers, tour travelers, and family vacationers who want primary baggage coverage included
- Anyone who wants $100,000 in primary medical without paying the premium-tier price
- Travelers who want 24-hour AD&D included in the base plan (not an add-on like on Essential)
- Those who want the Blink lounge pass and Runway Health consultation included
How Pathway Plus fits in the Pathway lineup:
| Pathway Essential | Pathway Plus | Pathway Premier | Pathway Premium | |
|---|---|---|---|---|
| Trip Cancellation Max | $25,000 | $50,000 | $100,000 | $100,000 |
| Trip Interruption | 100% / $25K | 125% / $62,250 | 150% / $150K | 150% |
| Medical | $25,000 | $100,000 | $200,000 | $200,000 |
| Medical Deductible | $100 | $0 | $0 | $0 |
| Evacuation | $250,000 | $350,000 | $1,000,000 | $1,000,000 |
| Pre-Ex Waiver | None | 14 days from deposit | Final payment date | 21 days from deposit |
| Pre-Ex Lookback | N/A | 180 days | 180 days | 180 days (most states) |
| CFAR option | No | No | Yes | Yes |
| Baggage | $500 primary | $1,000 primary | $1,000 primary | $2,000 primary |
| Baggage Delay trigger | 24 hrs / secondary | 12 hrs / primary | 8 hrs / primary | 8 hrs / primary |
| AD&D (24-Hr) | Optional | Included | Included | Included |
Eligibility notes:
- Available to U.S. residents only
- Plan must be purchased before departure from the U.S.
- Available up to 15 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 Lebanon, Cuba, North Korea, Palestine, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, Russia, or other OFAC/restricted countries
- Underwritten by AmTrust Financial Services, Inc.
Optional Upgrades
Customize your Pathway Plus coverage with optional add-ons available at purchase.
AD&D — Air Only
Adds $25,000 in Accidental Death & Dismemberment coverage specifically for losses occurring while riding as a fare-paying passenger on a commercial aircraft. The base plan already includes $10,000 in 24-hour AD&D; this rider provides additional coverage for air travel specifically.
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.
- Not available in NY
- Refer to your state-specific certificate for the complete list of covered activities and benefit amount
Travel Assistance Services
Provided by Trawick International — 24/7 Worldwide Assistance
Every Pathway Plus 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-approval — all evacuations must be reviewed and pre-approved 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
- Lost luggage and travel delay coordination
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 with all Pathway Plus plans.
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 with all Pathway Plus plans.
Plan Documents
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- 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.
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How to File a Claim
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:
- Log in to MyTrawick at mytrawick.com to file your claim online.
- Download the appropriate claim form at trawickinternational.com/claim-information/claim-forms/ if filing by mail.
- 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 carrier compensation received
- 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
14-Day Free Look Period
The Pathway Plus 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:
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. 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 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.
Includes a free look (review period) so you can purchase with confidence and review your coverage after checkout.