Coverage and Plan Details
Plan Coverage Summary
Stay Secure combines robust trip cancellation protection with medical and emergency coverage — plus unique rental property damage liability for travelers renting homes or vacation properties.
TRIP PROTECTION
- Trip Cancellation (100% of non-refundable insured trip cost) — Up to $200,000
- Trip Interruption (150% of non-refundable insured trip cost)
- Trip Delay (5-hour delay or more) — Max $750 per person
- Single Supplement — Included
- Cancel for Any Reason (CFAR) — Optional Add-On (75% reimbursement; purchase within 21 days of initial deposit; not available in NY or for travel to Israel)
MEDICAL COVERAGE
- Emergency Accident & Sickness Medical Expense — Up to $50,000
- Pre-Existing Condition Exclusion Waiver — Available (purchase within 21 days of initial deposit; must be medically able to travel at time of purchase)
EMERGENCY EVACUATION & REPATRIATION
- Medical Evacuation and Repatriation of Remains (includes medically necessary repatriation of remains) — Up to $1,000,000
BAGGAGE & PERSONAL EFFECTS
- Baggage & Personal Effects — Up to $2,000 per person
- Baggage Delay (12-hour delay minimum) — Up to $1,000 per person
PROPERTY & RENTAL
- Optional Rental Car Damage & Theft — Up to $35,000 (optional add-on; additional cost and terms apply)
ACCIDENTAL DEATH & DISMEMBERMENT
- AD&D — 24-Hour Principal Sum — $50,000
- AD&D — Common Carrier — $100,000
ASSISTANCE SERVICES
- 24/7 Non-Insurance Assistance Services - Worldwide Assistance | Runway Health | Traveler Lounge Pass — Included
All coverage amounts are subject to the terms, conditions, exclusions, and limitations of the Certificate of Insurance. Pre-existing condition exclusion waiver requires plan purchase within 21 days of initial trip deposit. Please refer to the Certificate for full plan details.
Key Benefits
Trip Cancellation — Up to $10,000 Reimburses 100% of your non-refundable trip costs if you must cancel for a covered reason — illness, injury, death of a family member, and more. Minimum insured trip cost of $500 applies.
Trip Interruption — Up to $12,500 Reimburses 125% of non-refundable costs if your trip is cut short for a covered reason, helping cover additional transportation costs to return home early.
Trip Delay — Up to $600 Covers meals and accommodations after a 12-hour or longer covered delay — up to $200 per day for up to 3 days.
Emergency Medical — Up to $40,000 Covers emergency accident and sickness medical expenses incurred during your trip, including a $750 dental sublimit.
Emergency Evacuation — Up to $250,000 Covers emergency medical evacuation to the nearest appropriate facility and medically necessary repatriation of remains — both in a single combined limit.
Rental Property Damage Liability — Up to $1,500 A signature benefit of this plan — covers accidental damage liability to a rented vacation home, condo, or short-term rental property during your trip. Not available in MO, NY, WA, or MT.
Baggage & Personal Effects — Up to $1,000 | Baggage Delay — Up to $750 Up to $1,000 for lost, stolen, or damaged baggage ($250 per article, $500 combined article limit). Up to $750 for baggage delays of 24+ hours ($500/day) to purchase necessities.
Accidental Death & Dismemberment — $10,000 Principal Sum / $100,000 Aggregate 24-hour accidental death and dismemberment coverage with a $10,000 principal sum per person and $100,000 aggregate maximum.
Optional Add-Ons
Cancel for Any Reason (CFAR) Upgrade to CFAR to cancel your trip for any reason not otherwise covered. You'll be reimbursed 70% of your non-refundable insured trip cost. Must be purchased within 21 days of your initial trip deposit and you must cancel no later than 48 hours before your scheduled departure. Not available in NY or for travel to Israel. Additional cost applies.
Optional Rental Car Damage & Theft Add-on coverage of up to $25,000 for accidental damage or theft of a rental car. Additional cost and terms apply. This is separate from the Rental Property Damage Liability benefit included in the base plan.
Pre-Existing Condition Exclusion Waiver The pre-existing condition exclusion is waived if: (1) the plan is purchased within 21 days of the date your initial trip deposit is received, and (2) you are medically able and not disabled from travel at the time the plan cost is paid.
Who This Plan is For
- Travelers renting vacation homes, Airbnbs, VRBOs, or short-term rental properties
- Domestic and international leisure travelers seeking comprehensive trip protection
- Travelers who want the option to Cancel for Any Reason with partial reimbursement
- Travelers with pre-existing conditions who purchase coverage within 21 days of initial deposit
- Anyone wanting emergency medical and evacuation coverage away from home
- Travelers who add rental car coverage as an optional upgrade
| Consideration | Detail |
|---|---|
| CFAR Availability | Not available in New York or for travel to Israel |
| Rental Property Damage | Not available in Missouri, New York, Washington, or Montana |
| CFAR Purchase Window | Must purchase within 21 days of initial trip deposit |
| CFAR Cancellation Timing | Must cancel at least 48 hours before scheduled departure |
| Pre-Ex Waiver Window | Must purchase within 21 days of initial trip deposit |
| Pre-Ex Waiver Requirement | Must be medically able to travel at time of plan purchase |
| Trip Cost Range | Minimum $500; maximum $10,000 insured trip cost for cancellation |
Travel Assistance Services
When the unexpected happens, you're not on your own.
- 24/7 worldwide emergency assistance hotline
- Emergency medical evacuation coordination and pre-authorization
- Help locating local hospitals, physicians, and medical facilities
- Repatriation of remains coordination
- Emergency travel document and passport replacement assistance
- Legal and interpreter referrals while abroad
- Pre-trip destination information and travel advisories
Plan Documents
We've simplified the most important coverage details for you throughout this page. If you'd like to review the full policy language, you can access the official plan documents below.
📄 Plan Brochure
A quick overview of benefits, coverage highlights, and plan features.
📋 Certificate of Insurance
The full policy document with complete terms, conditions, and coverage details.
❓ Coverage Questions? We're always here to help you understand your coverage before you purchase.
How to File a Claim
We're here to help if you need it.
Claims are handled directly by your insurance carrier, as they are the ones responsible for reviewing, approving, and paying claims based on your policy. While we don't make claim decisions, our team is here to support you every step of the way - whether that's helping you understand the process, gathering the right documentation, or answering questions along the way. Our goal is to make sure you feel confident in what to do next, without navigating it alone.
Start Here:
https://trawickinternational.com/claim-information/file-a-claim/
1. Contact Trawick International
Reach out to Trawick International as soon as possible after a covered event. For emergencies requiring medical evacuation or other time-sensitive benefits, contact the 24/7 assistance line before making arrangements when possible.
2. Gather Your Documentation
Prepare all relevant supporting documents for your claim type:
- Completed and signed claim form
- Itemized bills and receipts for medical expenses
- Proof of cancellation or interruption (airline/tour operator statements)
- Physician's statement if claiming for medical reasons
- Police report for theft, lost luggage, or accidents
- Proof of delay (airline documentation) for trip or baggage delay claims
- Rental property damage report or invoice for property damage claims
3. Submit Your Claim
Submit your completed claim form and all supporting documentation to Trawick International. Claims can typically be submitted online through the Trawick portal or by mail.
If you are unable to locate your certificate number on your documents, use chat or contact a SureGo Customer Service Representative at (866) 696-0409 or text (251) 322-7443.
4. Track & Receive Reimbursement
Once your claim is submitted, Trawick International will review your documentation and notify you of the determination. Approved claims will be reimbursed per the terms of your Certificate of Insurance.
If your claim is denied or partially denied, you have the right to appeal. Contact Trawick International for the appeals process and deadlines specific to your state of residence and plan terms.
https://trawickinternational.com/claim-information/claim-forms/
Please refer to your Certificate of Insurance for complete claim filing instructions, deadlines, and contact information.
15-Day Free Look Period
15-Day Free Look Period
You may cancel the plan within 15 days of purchase and receive a full refund of your plan cost — provided you have not incurred a loss, no claim has been filed, and you have not yet departed on your trip. After the 15-day review period expires, the plan cost is non-refundable.
After the Free Look Period
Once the 15-day free look window has passed, the plan cost is non-refundable regardless of whether you take your trip. This applies even if you cancel your trip — you may still file a trip cancellation claim if cancellation is for a covered reason.
How to Cancel During the Free Look Period
To cancel and request a refund within the 15-day free look window, contact Trawick International directly:
- Online: trawickinternational.com
Cancellation requests must be received before you have departed and before any loss has been incurred or claim filed.
CFAR Cancellation Requirements
If you purchased Cancel for Any Reason: You must cancel your trip no later than 48 hours prior to your scheduled departure date to be eligible for the 70% CFAR reimbursement. CFAR does not cover cancellations made within 48 hours of departure.
Please refer to your Certificate of Insurance for complete cancellation, refund, and eligibility terms. State-specific provisions may apply.
Includes a free look (review period) so you can purchase with confidence and review your coverage after checkout.