Trip Cancellation

Reimburses 100% of your forfeited, prepaid, non-refundable, non-refunded payments — up to $100,000 — if you're prevented from taking your covered trip due to a covered Unforeseen Event occurring before departure. If you reschedule instead of cancelling, the plan pays your travel supplier's change fees in lieu of cancellation benefits. Covered events include, among others:

• Injury, sickness, or death of you, your traveling companion, or an immediate family member that medically prevents travel
• Strike causing a complete 12+ hour cessation of common carrier travel services
• Bankruptcy or default of your travel supplier (if it occurs more than 14 days after your effective date)
• Inclement weather, natural disaster, terrorist incident, or common carrier mechanical breakdown causing 12+ hours of cessation of travel services
• Natural disaster rendering your home or destination accommodations uninhabitable
• Jury duty, subpoena, or witness appearance
• A politically motivated terrorist incident within 30 days/30 miles of your itinerary
• Traffic accident en route to departure (police report required), hijacking, quarantine, or felonious assault
• Military call-up, employer-required relocation, or job termination after 2+ years of continuous employment

Trip Interruption

If you must stop or can't resume your trip after departure due to a covered reason, the plan reimburses up to 150% of your insured trip cost for unused prepaid arrangements plus additional transportation expenses to rejoin your trip or return home (capped at the cost of your originally booked class of airfare, less any refunds).

Trip Delay

If you're delayed 12 or more hours en route to or from your trip due to a covered reason (carrier delay, traffic accident, weather, stolen passport, quarantine, hijacking, mandatory evacuation), the plan reimburses additional expenses up to $1,000 total at $150/day on a one-time basis.

Missed Connection

If you miss a connecting flight by 12 or more hours due to inclement weather or a common carrier delay, the plan pays up to $500 for additional transportation, reasonable accommodations and meals, and non-refundable unused trip costs. Secondary to any carrier compensation.

Airline Ticket Change Fee

Reimburses up to $100 per day (minimum 6-hour delay) when you must change your airline ticket dates due to a covered Trip Cancellation/Interruption event, an inclement-weather delay, or a documented medical emergency involving you, your traveling companion, or an immediate family member.

Frequent Travel Loyalty

Reimburses up to $250 for fees to re-deposit frequent flyer miles or hotel reward points used toward your trip, if the trip is cancelled or interrupted for a covered reason.

Emergency Medical Coverage

• $100,000 primary emergency medical — covers medically necessary treatment for an accidental injury or emergency sickness that first manifests during your covered trip and is first treated by a physician during the trip; $50 deductible; pays first, before any other insurance
• Covers physician and nursing services, hospital confinement and operating room charges, anesthesia, X-rays and lab tests, ambulance service, drugs and prosthetics, and emergency dental treatment for pain relief
• Emergency dental — up to $750 for emergency treatment to natural teeth due to accidental injury, or for emergency pain relief
• Pre-Existing Condition Waiver — waived when you purchase within 14 days of your initial trip deposit, insure 100% of your trip cost, and are medically able to travel on the effective date; 180-day lookback period

Emergency Medical Evacuation & Repatriation

• $1,000,000 Emergency Medical Evacuation — covers medically necessary transportation to the nearest adequate medical facility; must be ordered by your physician and reviewed/pre-approved by the assistance company; includes escort expenses when medically recommended; if hospitalized beyond a specified period, also covers return transportation for accompanying dependent children and one chosen companion to/from the hospital, plus spousal transportation home in qualifying cases
• $1,000,000 Repatriation of Remains — covers collection, preparation, casket, permits, and transportation of remains to your primary residence in the event of death during the covered trip; includes escort service for accompanying dependent children

Baggage & Belongings

• Baggage & Personal Effects — up to $1,000 (primary coverage; $0 deductible; $100 per article limit; 50% combined aggregate limit applies to jewelry, watches, precious metals, furs, and electronics) for loss, theft, or damage during your trip; also covers passport replacement fees and unauthorized credit card charges
• Baggage Delay — up to $250 ($100/day; primary coverage) for necessary replacement items when checked baggage is delayed or misdirected for 12+ hours by a common carrier

Accidental Death & Dismemberment

• $10,000 Principal Sum (24-Hour) — included in the base plan; covers accidental death or dismemberment occurring at any time during the covered trip; includes exposure and disappearance provisions
• $25,000 Principal Sum (Common Carrier) — included in the base plan; covers accidental death or dismemberment while riding as a fare-paying passenger on a licensed common carrier

COVID-19

Not specifically excluded under this plan's terms. Pandemic and epidemic events are subject to the general exclusions listed in the policy — refer to your state certificate for details.

The Safe Travels Armor plan is built for U.S. residents who want high-limit trip protection paired with strong primary medical coverage — all in a single plan from Starr Indemnity & Liability Company.

This plan is an excellent fit for:

• U.S. residents taking domestic or international trips up to 90 days
• Travelers with substantial prepaid, non-refundable trip investments who need up to $100,000 in cancellation protection
• Anyone who wants primary emergency medical coverage that pays before their health insurance
• Travelers who want the option to add Cancel for Any Reason for added flexibility
• Those who want $1,000,000 in emergency evacuation and repatriation coverage
• Families or groups protecting a significant trip investment

Eligibility notes:

• Available to U.S. residents only
• Trip must be more than 100 miles from your primary or secondary residence
• Plan must be purchased before departure
• Maximum trip length: 90 days
• Underwritten by Starr Indemnity & Liability Company, a Texas-domiciled corporation
• Refer to your state-specific certificate for any state-modified terms (for example, Kansas applies its own amendatory endorsement affecting free look, cancellation rights, and certain definitions)

Customize your Safe Travels Armor coverage with optional add-ons purchased at the time of application.

Cancel for Any Reason (CFAR)

Reimburses 75% of your prepaid, non-refundable, forfeited trip costs — up to $11,250 — if you cancel your trip for any reason not otherwise covered by the plan, including simple change of mind.

Requirements:

• Must be purchased within 14 days of your initial trip deposit date
• Must insure 100% of your non-refundable, prepaid trip cost
• You must be medically able to travel at the time of purchase
• Cancellation must occur 24 hours or more before your scheduled departure date
• Your booking must be the first and only booking for that travel period and destination
• If the full cost of your trip is not insured, this coverage terminates and the rider premium is refunded

Renters Collision Insurance (Rental Car Damage)

Reimburses for damage to a rental car due to collision, theft, vandalism, windstorm, fire, hail, or flood while in your possession during the covered trip.

• Maximum benefit: $50,000
• Deductible: $100
• You and any traveling companions covered must be licensed drivers listed on the rental agreement
• Excludes trucks, campers, trailers, off-road vehicles, motorcycles, RVs, limousines, and exotic/antique vehicles (over 20 years old, out of production 10+ years, or with an original MSRP over $50,000)

Provided by On Call International — 24/7 Worldwide Assistance

Every Safe Travels Armor plan includes access to round-the-clock emergency travel assistance services.

To reach On Call International:

• Phone: (888) 301-9289 (Trawick general customer service line)
• Email: info@trawickinternational.com
• Hours: 24/7 for emergency assistance

What assistance services include:

• Emergency medical evacuation coordination, physician certification review, and pre-approval
• Repatriation of remains arrangements
• Escort service coordination for dependent children or companions
• Emergency referrals to local physicians, hospitals, and clinics
• Coordination of transportation and travel document support

Important: All emergency medical evacuations must be recommended by your attending physician and reviewed and pre-approved by the assistance company. If an evacuation is not approved by the assistance company before it begins, reimbursement may be limited to the amount that would have been authorized had the evacuation been approved in advance.

• Plan Brochure — Safe Travels Armor plan highlights and summary of benefits
• State-Specific Certificates of Insurance — select your state of residence for your specific policy form (state amendatory endorsements may modify free look periods, definitions, and certain provisions — for example, Kansas)
• File a Claim
• Claim Forms

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 Starr Indemnity & Liability Company. Administered by Trawick International, Inc.

Notice of Claim — Written notice of claim must be given within 20 days after a covered loss begins, or as soon as reasonably possible. Include your name, your travel supplier's name, and your policy number.

Step-by-step claims process:

1. Notify Trawick/Starr within 20 days of the covered loss (or as soon as reasonably possible).
2. Request claim forms — if forms aren't sent within 15 days of your notice, you may submit a detailed written statement of the occurrence, nature, and extent of the loss instead.
3. Submit Proof of Loss within 90 days after the covered loss occurs (or as soon as reasonably possible; in Kansas, no later than one year from when proof is otherwise required, absent legal incapacity).
4. For baggage loss/theft/damage: notify the common carrier or bailee in writing immediately, and notify police within 24 hours in the event of robbery or theft, providing a copy of the police report.
5. Submit your claim with all required documentation.

Required documentation by claim type:

• Medical claims: itemized bills and reports, physician statements, explanation of benefits from other insurance
• Trip cancellation/interruption: travel invoice, proof of payment, documentation of the covered event
• Baggage claims: original receipts, police report (for theft), common carrier incident report
• Trip delay/missed connection: common carrier verification of the delay, receipts for additional expenses

Claims contact:

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

Payment timing: Claims are generally paid promptly after acceptable written Proof of Loss is received (in Kansas, within 30 days for most benefits; immediately upon receipt of due proof for AD&D, Emergency Medical Evacuation, and Travel Medical/Dental claims).

The Safe Travels Armor plan includes a 14-Day Free Look period (subject to state variation).

Free Look: You may cancel this insurance by giving written notice within 14 days of the date your policy is delivered to you. If you have not yet departed on your trip and have not filed a claim, your full premium will be refunded.

After the Free Look period expires, the premium is non-refundable except in the following circumstances:

• Your travel supplier cancels or changes the dates of your covered trip and waives all penalties (pro-rata refund)
• Your death (pro-rata refund to your estate or beneficiary)

In Kansas specifically, you may also cancel this policy at any time by written notice; the unearned portion of your premium will be returned on a pro-rata basis, without prejudice to any claim that originated before the cancellation took effect.

In plain terms:

• You have 14 days from policy delivery to cancel for a full refund, provided you haven't departed or filed a claim
• After that window, refunds are limited to specific circumstances (full trip cancellation by the supplier, or death)
• Kansas residents have an additional, broader cancellation right for a pro-rata refund at any time

To request a cancellation or refund, contact:

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

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. Coverage amounts and certain terms shown reflect the Kansas Certificate of Insurance and Kansas Amendatory Endorsement; benefits, free look periods, and provisions vary by state. This plan is available to U.S. residents only. Underwritten by Starr Indemnity & Liability Company, a Texas-domiciled corporation (NAIC Company Code: 38318). Administered by Trawick International, Inc. Non-insurance travel assistance services provided by On Call International. The purchase of travel insurance is not required to purchase any other product or service.