Trip Cancellation

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

• Accidental injury, illness, or death of you, a traveling companion, or an immediate family member
• Inclement weather or natural disaster making your destination uninhabitable
• Terrorist attack at your destination
• Airline or common carrier delay causing you to miss departure
• Jury duty or subpoena
• Military duty call-up
• Bankruptcy or default of a travel supplier
• 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 150% of your insured trip cost (maximum $150,000) — covering unused prepaid expenses plus the cost of last-minute transportation home.

Trip Delay

If you are delayed 6 or more hours en route to or from your trip due to a covered event (weather, carrier delay, traffic accident, stolen passport, hijacking, quarantine), the plan reimburses reasonable additional expenses (meals, accommodation, transportation) up to $2,000 total at $300/day on a one-time basis. Waiting periods and covered delay reasons may vary by state. 

Missed Connection

If you miss your cruise or tour departure because all regularly scheduled airline flights were cancelled or delayed for 3 or more hours due to inclement weather, the plan pays up to $500 to cover the cost of catching up to your trip. Secondary to any carrier compensation.

Emergency Medical Coverage

• $200,000 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 $750 for dental Necessary Treatment due to Accidental Injury to Sound Natural Teeth, subject to the certificate terms. 
• Pre-Existing Condition Waiver — the pre-existing condition exclusion is waived when you purchase on or before your final trip payment date, insure the full non-refundable trip cost, and are medically able to travel on the effective date; 90-day lookback period applies

Emergency Medical Evacuation & Repatriation

• $1,000,000 Emergency Medical Evacuation — covers medically necessary emergency transportation to the nearest appropriate medical facility when local care is insufficient; must be recommended by the attending physician and pre-approved by the assistance company
• $1,000,000 Repatriation of Mortal Remains —  covers covered expenses to return your body to the United States of America if death occurs during the trip, subject to the certificate terms. 

Baggage & Belongings

• Baggage & Personal Effects — up to $2,000 ( $250 per article limit; $0 deductible)  for covered loss, theft, or damage to baggage and personal effects during the trip, subject to the certificate terms. 
• Baggage Delay — up to $500 ($100/day ) for necessary replacement of personal items when  checked baggage is delayed or misdirected by a Common Carrier, subject to the waiting period shown in the applicable state certificate. 

Accidental Death & Dismemberment

• $10,000 Principal Sum for 24-hour covered accidental death or dismemberment
• $25,000 Principal Sum for accidental death or dismemberment occurring while riding as a fare-paying passenger on a common carrier

Reinstate Frequent Traveler Awards

Up to $250 to cover fees to re-deposit frequent flyer miles or hotel rewards if your covered trip is cancelled or interrupted for a covered reason.

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 wherever you travel
• Traveler Lounge Pass —  eligible lounge access may be available if a pre-registered flight is delayed by more than two hours. Travelers must register at least 24 hours before scheduled departure. 
• Runway Health Pre-Travel Medication Readiness Consultation —  connects travelers with U.S.-licensed physicians through an online consultation. If prescribed, medications may be shipped before departure. 

The Pathway Premier plan is Trawick International's top-tier trip cancellation plan — built for U.S. residents who want both maximum trip cost protection and strong emergency medical coverage in a single, easy-to-purchase policy.

This plan is an excellent fit for:

• U.S. residents taking domestic or international trips up to 90 days
• Travelers with significant prepaid, non-refundable trip investments (cruises, tours, international airfare, resort packages)
• Anyone who wants primary emergency medical coverage that pays before their health insurance
• Travelers who want the option to cancel for any reason and receive partial reimbursement
• Families or groups where a single cancellation event could mean losing thousands
• Cruisers, adventure travelers, and international vacationers who want comprehensive protection in one plan
• Travelers who want the convenience of Runway Health pre-travel medication support and lounge access included

Eligibility notes:

• Available to U.S. residents only
• Plan must be purchased before departure from the U.S.
• Available up to 20 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
  
  

Customize your Pathway Premier coverage with optional add-ons available at purchase. All optional coverages must be added at the time of initial purchase; most cannot be added after the policy is issued.

Cancel for Any Reason (CFAR)

Reimburses 75% of your prepaid, non-refundable trip costs — up to $75,000 — if you cancel your trip for any reason not otherwise covered by the plan.

Requirements:

• Must be purchased within 21 days of the initial trip deposit date
• Full non-refundable trip cost must be insured
• Trip cost per person must be under $15,000
• MA and PA residents must purchase at least 60 days prior to scheduled departure
• Trip must be canceled no later than 48 hours before scheduled departure (confirm in your state certificate)
• Not available in NY; not available for travel to Israel

Interruption for Any Reason (IFAR)

Reimburses 75% of your insured trip cost — up to $50,000 — if you need to interrupt your trip for any reason not otherwise covered by the plan.

Requirements:

• Must be purchased within 21 days of the initial trip deposit date
• Not available in NY

Adventure & Extreme Sports Medical Coverage

Extends emergency medical coverage to injuries sustained while participating in adventure sports and extreme sports activities that would otherwise be excluded from the base plan. Coverage applies up to the plan's medical maximum.

Not available in NY.

Rental Car Damage Coverage

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

• You must be a licensed driver listed on the rental agreement
• Covers cost of repairs, rental charges while being repaired, and actual cash value up to the benefit maximum
• Not available in NY

 24/7 Travel Assistance Services provided by On Call International 

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

To reach Trawick International Assistance:

• Phone:  855-226-2416 within the United States and Canada, or call collect at 603-328-6308 from all other locations. 
• Email: info@trawickinternational.com
• Hours: 24/7 for emergency assistance; customer service closed most major U.S. holidays

What assistance services include:

• Emergency medical evacuation coordination and pre-approval
• 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 is included for eligible airport lounge access if a pre-registered flight is delayed by more than two hours. Travelers must register their flight and all travelers under the policy at Go.TravelerLoungePass.com at least 24 hours before the scheduled departure time. 

Runway Health — Pre-Travel Medication Readiness Consultation Runway Health provides access to a pre-travel medication readiness consultation with U.S.-licensed physicians. If prescribed, medications may be shipped directly before departure. 

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/damage, police report if applicable, receipts for lost items
   • Trip Delay claims: written confirmation from the carrier of the delay cause and duration, plus receipts for expenses incurred
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 Premier 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. 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.