trawick international travel medical insurance

US Travel Insurance for Non-US Citizens Traveling to the USA

The USA offers the best healthcare in the world, but without insurance, it can be prohibitively expensive.  Medical providers in the USA work on a “fee for service” basis, meaning physicians and other providers expect to be paid when they treat you for a medical condition. It is essential to purchase a travel medical plan if your primary healthcare limits or won't cover you while you are abroad.  

We offer several US travel insurance plans for non-US Citizens/Residents to choose from for travel to the US. Some plans cover COVID-19 EXPENSES and treat it like any other sickness.  If available, the coverage is listed. Upon purchase, you will receive a visa letter showing it is covered.   

• Safe Travels USA and Safe Travels USA Cost Saver insurance plans offer excess medical coverage which will help with covered medical expenses, including hospitalization, surgery, physician visits, and prescriptions.  Both plans offer your choice of medical coverage maximums from $50,000 to $1,000,000.  Deductibles from $0 to $5,000, and add-on coverage for specific needs like Sports Activity. Urgent Care visits have a $30 Co-pay. Both cover Unexpected Recurrence of a Pre-existing Condition up to $1,000.
• Safe Travels USA Comprehensive offers excess medical coverage which will help with covered medical expenses, including hospitalization, surgery, physician visits, and prescriptions.  It offers your choice of medical Coverage Maximums from $20,000 to $1,000,000.  Deductibles from $0 to $5,000, and add-on coverage for specific needs like Sports Activity. Urgent Care visits have a $30 Co-pay. This plan also covers Acute Onset of a Pre-existing Condition up to age 69. See Plan Summary for details.
• Safe Travel Elite is a low-cost limited benefit plan offering fixed coverage amounts. On this plan you will need to meet your deductible before the plan pays anything.  Once that has been met the plan may pay up to a certain amount for eligible expenses.   For insurance if your plan has a $100 deductible and you plan pays up to $55 for a physician visit and you see the physician who charges $205 for the visit, then you pay $150 out of pocket for the visit ($205 minus $55 that the plan paid and $100 is applied to your deductible). If you were injured and admitted to the hospital for five days, needed a surgery and the total charged by the hospital/surgeon is $35,000, then the plan may pay $2,000 a day for hospital room and board and $5,000 for surgery for a total of $15,000 and you would pay the rest or $20,000. 

All three US travel insurance plans offer up to $100,000 of medical expense coverage for ages 70- 79 and $50,000 up to age 89, and a $5,000 local burial option in lieu of the $50,000 repatriation benefit. 

These plans offer Telemedicine visits and provide direct access to a Telemedicine service via phone, so you won't need to search for a provider to do a virtual office visit.  

All of these plans offer a   Well Doctor Visit,   which pays up to $125 (one visit per person per policy period). The   Well Doctor Visit   must occur within the first 21 days from the effective date of coverage. To be eligible, you must purchase at least 30 days of coverage. Once the purchase is confirmed, you may register for the benefit at https://trawickinternational.com/wellness/Register

These plans are not available to US Citizens, or anyone who has been in the USA for more than 365 days.  

When getting a US travel insurance quote please note: 

• Plans provide links to brochures and summary of coverage to read details about the coverage before purchase.
• The Safe Travels Comprehensive plan pays a higher benefit for Acute Onset of a Pre-existing Condition for ages up to 69. Some Pre-existing condition benefits end upon attaining age 70.
• COVID-19 is covered on Safe Travels USA and Safe Travels USA Comprehensive.  COVID-19 is excluded on Safe Travels USA Cost Saver. COVID-19 is never covered when it is a Pre-existing Condition. 
• Rates are based on age at the time of purchase. 
• The plan maximum options automatically default to the lowest amount available for the age quoted.  On some plans and ages, you can increase amount to as much as $1 million. The premium will automatically adjust.
• The deductibles options are in certain increments from $0 up to $5,000 and automatically default to $250 on most plans. The premium automatically adjusts when changing the deductible. Some limited benefit plans only offer a $0 deductible.
• You can save the quote and email a copy to yourself to review for purchase later.  Quotes are valid for up to 10 days. 
• When purchasing a plan online, a confirmation with all necessary documents will be sent to you within 5 minutes of completion via the email address provided.
• Once the plan confirmation is received, you can click on the buttons in the email to retrieve your Visa Letter, Certificate, and ID Card to download and print.
• Cancellation requests must be received in writing from you or your agent at [email protected] .  Please see your plan for refund/cancellation provisions. 

Safe Travels USA Comprehensive

• COVID-19, SARS-CoV-2 EXPENSES are covered and treated as any other sickness
• Accident and Sickness Medical Policy maximum Choices $20,000, $50,000, $100,000, $250,000, $500,000, $1,000,000
• Deductible Choices $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000
• After the deductible, the plan pays 100% up to the policy maximum
• Emergency Medical Evacuation/ Repatriation of Remains/Medically Necessary Repatriation/Local Burial/Cremation
• ACUTE ONSET OF PRE-EXISTING CONDITION for up to age 69 - Other limitations apply
• Wellness Visit - covered up to $125
• Optional Sports Coverage - see brochure for details
• Optional Home Country Coverage - see brochure for details
• SureGo Online Claims Administration
• For non US citizens, traveling to the USA or USA and then other countries
• Coverage for minimum 5 days to maximum up to 364 days
• Extendable for up to 364 days total
• For ages 1 to 89 years
• Not available to any individual who has been residing within the United States for more than 365 days
• Rates are based on age, policy maximum and deductible

Safe Travels USA

• Accident and Sickness Medical Policy Maximum Choices $50,000, $100,000, $250,000, $500,000, $1,000,000
• Co-Insurance 90% of the first $2,500 then 100% up to the policy maximum
• Emergency Medical Evacuation/Medically Necessary Repatriation/Repatriation of Remains /Local Burial/Cremation
• UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION - - Limitations apply
• Optional Home Country Coverage- see brochure for details
• For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries
• For ages 14 days to 89 years
• Extendable for up to 364 days
• This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.

Safe Travels USA Cost Saver

• COVID-19, SARS-CoV-2 EXPENSES are NOT covered on this plan.
• Co-insurance 80% of the first $5,000 then 100% up to the policy maximum
• UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION - Limitations apply
• Coverage may be extended, at the rates in force at the time of extension, for up to 364 days

Safe Travels Elite

• This is a LIMITED BENEFIT PLAN where the maximum amount paid to the provider is listed on the plan
• Accident and Sickness Medical Policy Maximum Choices $25,000, $50,000, $75,000, $100,000, $175,000
• Deductibles $0- Ages 0-69 and $100 or $200 Ages 70-89
• ACUTE ONSET OF A PRE-EXISTING CONDITION up to the policy maximum for ages 0-69, up to $25,000 for ages 70-79 and up to $15,000 Ages 80-89
• Cardiac Conditions or Stroke are limited to $25,000 for Ages 0-69 and $15,000 Ages 70-89
• Wellness Visit - covered up to $125 (restrictions apply)
• Return to Country Incidental Trip Coverage-Included
• EXAMPLES OF PER INCIDENT LIMITED BENEFITS (varies by plan)
• Hospital Room and Board Expenses $1,400 -$3,000 per day to a maximum of 30 days
• Physician's Surgical Treatment $3,500 - $7,500 per Incident
• Physician’s Non-Surgical Visits/Urgent Care $55 - $130 per visit/1 per day /30 visits per Policy Period
• Outpatient Surgical Facility $1,000 - $1,400 per Incident
• Diagnostic X-rays and Lab Services $450 - $1,000 per Incident
• Ambulance Service Benefits $500 - $750 per Incident
• Please view plan details for a complete list of limits by plan
• For ages 14 days to 89 years.
• Rates are based on age, policy maximum and deductible and coverage ends at age 90

Safe Travels Advantage

• Deductible $0
• Coinsurance per Period of Insurance - 80%
• Out of Pocket Maximum per Period of Insurance -$5,000 (Ineligible Charges do not count towards the Out-of-Pocket Maximum)
• Pre-Certification Required
• COVID-19 EXPENSES are covered and treated as any other sickness
• Please view brochure for a complete list of limits compared by plan

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Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: November 1, 2024

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
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• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid credit card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT COMPANY AND ITS AFFILIATES, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

BY ACCESSING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by Company and its affiliates and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website. All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this Website, and we do not undertake any obligation to update such information or to remove such information from this Website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, COMPANY AND ITS AFFILIATES, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF USE, REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF OUR WEBSITE OR WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS AFFILIATES AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO COMPANY OR ITS AFFILIATES FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATE OR JURISDICTION WHICH YOU HEREBY CONSENT TO.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Company and its affiliates, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) from any breach of these T&C by you, including any use of the content other than as expressly authorized herein, and any claim that your submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the content and this Website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

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WE RESERVE THE RIGHT TO MONITOR USE OF THIS WEBSITE IN ORDER TO DETERMINE COMPLIANCE WITH THESE TERMS OF USE, AND RESERVES THE RIGHT TO REMOVE OR REFUSE ANY INFORMATION FOR ANY REASON. NOTWITHSTANDING THESE RIGHTS, YOU REMAIN RESPONSIBLE SOLELY FOR THE CONTENT OF YOUR SUBMISSIONS. YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY AND ITS AFFILIATES NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO US WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY US OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, COMPANY AND ITS AFFILIATES AND THE THIRD PARTIES RESERVE ALL RIGHTS WITH RESPECT TO THE WEBSITE, AND MAY PURSUE ALL LEGALLY AVAILABLE OPTIONS UNDER BOTH CIVIL AND CRIMINAL LAWS (AND MAY COOPERATE WITH LAW ENFORCEMENT AGENCIES) IN THE EVENT OF ANY VIOLATIONS.

ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

You may choose to opt out of the agreement to arbitrate by mailing a written opt-out notice (“Notice”) to Company. The Notice must be postmarked no later than thirty (30) days after the date you accept these T&C for the first time. The Notice must be mailed to: Trawick International, Inc., Post Office Box 2284 Fairhope, Alabama USA 36533, to the attention of General Counsel. This procedure is the only mechanism by which you can opt out of the agreement to arbitrate. Opting out of the agreement to arbitrate has no effect on any other parts of this Agreement, or any previous or future arbitration agreements that you have entered into with Company or its affiliates.

GOVERNING LAW

These Terms of Use are governed and interpreted by the laws of Alabama, United States of America notwithstanding any principles of conflicts of law. We make no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

If you are a consumer, the provisions in these T&C are intended to be only as broad and inclusive as is permitted by the laws of your State of residence. If you are a New Jersey consumer, the terms of “Disclaimer” and “Limitation of Liability” sections above do not limit or waive your rights as a consumer under New Jersey law and the provisions in this Agreement are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. In any event, we reserve all rights, defenses and permissible limitations under the law of your State of residence.

At this Website, Company and its affiliates make no active effort to collect personal information from individuals under the age of eighteen (18). We require that Website users must be of legal age to enter into agreements (typically, at least eighteen (18) years of age or older).

NOT A SECURITY OFFER

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

SEVERABILITY

If any part of the T&C is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of the T&C by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. The T&C constitute the entire agreement between you and Company and its affiliates relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

EMPLOYMENT OPPORTUNITIES

Company and its affiliates are an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, sex, religion, disability or national origin. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

For further information, or inquiries about the T&C, please contact:

Trawick International, Inc. Attn: General Counsel Post Office Box 2284 Fairhope, Alabama USA 36533 Toll Free: (888) 301-9289

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

NOTE: THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

Full Address of Designated Agent to Which Notification Should be Sent: Post Office Box 2284 Fairhope, Alabama USA 36533

Telephone Number of Designated Agent: (888) 301-9289

To Be Effective, the Notification Must Include the Following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
• A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

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Table of Contents

What is Trawick International?

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• Many different plan options.
• CFAR available as an add on.
• Specialty coverage for adventure sports (SafeTreker Basic).
• Reports of long resolution processes.
• Low customer service rating on SquareMouth.

When planning a trip, we often anticipate the excitement of seeing a new city, the taste of local gastronomy and the overall sense of adventure. Rarely do we imagine arriving at a destination without luggage, breaking a wrist from a fall down the stairs or getting into a car accident on the road.

But sometimes these things happen, and you want to be prepared for when they do.

Still, you probably don’t want half of your vacation budget to go toward travel insurance. That’s where Trawick International comes into play. With nine different plans from which to choose and a variety of price points, Trawick International offers the flexibility that other insurance companies don’t.

Let’s take a look at what Trawick International covers, its cost and how it shapes up to its competitors.

Why trust NerdWallet?

Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default toward transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines .

Founded in 1998, Trawick International began life as a company offering insurance to university students. It then expanded into travel insurance and now offers comprehensive plans that provide protections for a variety of issues. These include trip interruption, trip cancellation, travel medical coverage and more.

Trawick International policies are underwritten by two different companies: Nationwide Mutual Insurance Company and Starr Indemnity & Liability Company. According to A.M. Best Financial Strength Ratings, Nationwide Mutual Insurance Company has an A+ rating, while Starr Indemnity & Liability Company has an A rating. The highest possible rating for A.M. Best is A++.

» Learn more: The best travel insurance companies

Trawick International’s travel insurance coverage is comprehensive, with nine main plans from which to choose. Although there is a wide range of coverage options, they all have a few broad coverages in common.

All of Trawick International’s policies offer base protections, including:

Trawick International travel insurance medical coverage : Emergency medical insurance, which will treat acute conditions such as injuries or illnesses. 

Trip delay : Reimburses you for expenses incurred when your trip is delayed. This includes things like lodging, meals, toiletries and clothes. 

Trip cancellation and trip interruption : Pays for nonrefundable costs such as tours and hotel bookings when your trip is canceled or interrupted. 

Baggage delay insurance : Like trip delay insurance, baggage delay insurance can repay you for costs you end up paying when your luggage is delayed. Includes things like clothing, toiletries and medication. 

Emergency medical evacuation : Reimburses charges in the event you need to be evacuated for a medical emergency. 

As you can see, some of these fall under Trawick International health insurance coverage, while others apply toward expenses incurred should your travel plans go awry. In either case, Trawick International has a coverage option for you.

» Learn more: Trip cancellation insurance explained

Policies range in size and scope, so it pays to read the fine print to know exactly what is covered and what isn’t.

Here's an overview of Trawick International's plan options and what is included.

Add-on options

Trawick International has a few different add-ons available. The ones from which you can choose will depend on the plan you select:

Cancel For Any Reason (CFAR) : Provides reimbursement for expenses if you decide to cancel your trip for any reason.

Interruption for Any Reason (IFAR) : Provides reimbursement for expenses if your trip is interrupted for any reason. 

Emergency medical upgrade : Increases your policy maximum for emergency medical coverage. 

Trip delay upgrade : Increases your policy maximum for trip delay reimbursement. 

24 Hour accidental death and dismemberment (AD&D) : Adds on coverage for AD&D.

Rental car insurance : Provides coverage when renting cars. 

Don’t want to shell out for travel insurance? A variety of travel credit cards offer complimentary trip insurance assuming you pay for the trip with your card.

The type of coverage you’ll get from your Trawick International plan will change based on which plan you purchase. However, there are some instances that are generally not covered. These include:

Known storms.

Pre-existing conditions (unless specifically included). 

Adventure activities (unless specifically included). 

Intentional acts of harm.

On a 5-star scale, NerdWallet rated Trawick International 5 stars. Jump to see our methodology.

A sample trip for a 36-year old traveler from Indiana to Canada for five days found that the cheapest Trawick International plan cost $100. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $194.

This is in comparison to the cost range of $10-$202 for the sample trip. Note that price isn't the only differentiating factor. Coverage is not identical across plans; each company offers various levels of scope, limits and exclusions.

How much does Trawick International travel insurance cost? To figure out the price of a plan from Trawick International, we created a sample trip.

In this example, a 34-year-old traveler from Connecticut paid a total of $4,500 for a two-week trip to Denmark in November. Here’s how the costs shook out.

As you can see, Trawick International insurance cost varies significantly according to plan. The least expensive option is less than half Safe Travels Voyager, the most expensive policy.

Purchasing a Trawick International policy is simple and can be done online. Once you’ve navigated to Trawick International’s website , you’ll just fill out your travel information to generate a quote.

Enter your age, trip cost and the date you made the first deposit (for example, the date you booked flights).

Trawick International will then come back with all the plans available for your trip. Pick the one that’s right for you, complete your personal information, and then pay for it.

Consider comparison shopping

If you're not 100% sold on purchasing a plan from Trawick, you can use a travel insurance aggregator to compare policies across multiple companies at once.

Choosing the right Trawick International plan for your needs is going to depend on where you’re going, how long you’re staying, the type of activities you’ll be doing and how much you’re willing to pay.

For example, if you’re planning on hiking during your vacation, you may want to spend more for better emergency medical coverage. The same is true if you’re renting a car and want to be covered in case of an accident.

Look at coverage details. If you won't need trip interruption insurance, don’t buy it.

Use existing coverage. Many travel credit cards offer travel insurance, though coverage levels will vary. Check your wallet to see if you have an eligible card that provides travel insurance .

» Learn more: How to find the best travel insurance

Yes, Trawick International offers 24/7 travel assistance services for needs such as concierge services, emergency cash and family notifications.

To reach them, you can either call 888-301-9289 or email [email protected] .

Filing a claim with Trawick International can be done in a few different ways, including mail, fax, email or an online portal .

To file a claim, you’ll need to have specific information on hand. This includes:

Documentation for your claim.

Plan name and certificate number.

Information as to what happened. 

Is Trawick International travel insurance good? With many different plans from which to choose and a variety of add-ons available to customers, it’s easy to see why Trawick International is so popular.

Add this to the ability to file a claim online, plus concierge services available for even the cheapest plans, and it’s safe to say that a Trawick International plan could be worth it when traveling.

Yes, any of the Safe Travels plans will reimburse you for trip delays or trip interruptions in the event your flight is canceled.

The amount of time it takes for a reimbursement after filing a claim will depend on many factors, including what you’re filing for and the method in which you make a claim.

Whether the insurance you receive from Trawick International is primary or secondary will depend on which plan you purchase.

Yes, Trawick International provides coverage for COVID.

Trawick International offers a few travel insurance plans depending on your need. Before you buy a plan, be sure you’ve understood its coverage and costs, especially compared with other policies.

Travel insurance

NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:

Scope of coverage.

Customizability.

Consumer experience and complaints.

The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.

Data collection and review process

NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.

Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."

The reviews team

The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence .

In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.

Rating specifics

Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:

Scope of coverage (25%).

Customizability (25%).

Consumer experience and complaints (25%).

Cost (25%).

Scope of coverage ratings are based on assessments of a company’s standard protections, including:

Travel medical insurance.

Trip cancellation.

Trip interruption.

Trip delay.

Baggage and personal belongings, lost luggage.

Emergency medical assistance.

Emergency medical evacuation.

Emergency medical repatriation.

Accidental death and dismemberment insurance.

Rental car coverage.

Customizability ratings factor in whether coverage limits are fixed prices or a percentage of the trip cost (the percentage is generally better), whether a policy has customizations available, and the number of bonus features.

24-hour assistance.

Pre-existing medical conditions coverage.

Extreme sport coverage.

CFAR add on availability.

Travel health insurance.

Interruption for Any Reason.

Travel Inconvenience.

Cancel for Work Reasons.

Electronics coverage.

Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.

Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Points + $300 Travel Credit Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

• Trawick International Travel Insurance Review

Trawick International Plans

• Trawick Travel Insurance Cost

Filing a Claim with Trawick Travel Insurance

Compare trawick travel insurance.

• Why You Should Trust Us

Trawick International Travel Insurance FAQs

Trawick travel insurance review 2024: pros & cons.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

If you're planning a trip, one of the most important things you can do is ensure you're protected if something goes wrong. That's where travel insurance comes in. Trawick International is among the best travel insurance companies with a variety of plans for different types of travelers, so you can find the coverage that's right for you. 

Here we'll look at the variety of plans Trawick offers, coverage amounts, costs, and how to file a claim. We'll also compare Trawick's most popular policies and other leading travel insurance providers' coverage.

Trawick International Travel Insurance Summary

Trawick International travel insurance is one of the most popular travel insurance companies on the market, earning spots on our guides on the best cheap travel insurance and the best CFAR travel insurance . 

Trawick offers a wide array of policies, so you're sure to find one that will fit your travel plans. Even if you can't find a plan that is one-to-one with your trip, one of Trawick's stand-out options is its Safe Travel Flex plan, which allows you to build your own insurance plan from scratch. It includes travel cancellation and interruption insurance in addition to travel assistance. Everything else is optional, from medical coverage to baggage delay. 

Trawick has received an average Trustpilot rating of 4.2 across nearly 500 reviews and 4.1 across over 3,100 SquareMouth reviews. Trawick reviews on its headquarters in Alabama are mixed, averaging 3.3 stars across nearly 350 reviews. Negative reviews cited a difficult claims process and unresponsive customer service.

Types of Plans Available

• Safe Travels Trip Protection: With 10 plans under this umbrella, Trawick Trip Protection is highly customizable. You can even build a plan from the ground up with Safe Travels Flex. It covers domestic and international trips for US residents.
• SafeTreker:  Trawick's plan for adventure sports travel, SafeTreker covers sports equipment rental, search and rescue, and non-medical evacuation for over 450 sports.
• Safe Travels USA:  Trawick offers four tiers of insurance for non-US citizens and non-US residents traveling in the USA, offering accident and sickness coverage, emergency medical evacuation, and unexpected recurrence of a pre-existing conditions (limitations apply). 
• Safe Travels International:  Trawick offers two plans for non-US citizens and non-US residents traveling outside the US, covering emergency medical procedures, emergency evacuation, and repatriation. 
• Safe Travels Outbound: This plan offers primary but temporary travel insurance for US citizens and residents traveling outside the US. It includes medical and emergency evacuation coverage, including COVID-related illnesses.
• Safe Travels Annual:  Trawick offers three multi-trip annual travel insurance plans that offers emergency medical, baggage delay, and trip delay coverage for trips up to 30 days long. Trip cancellation coverage spans between $2,500 to $10,000 per year.
• Safe Travels Vacation Rental Protection plan: This plan covers non-refundable expenses such as airfare, hotels, vacation rentals, and other pre-paid trip deposits. It's only available for US residents.
• Collegiate Care Essential plan: This plan is designed for students studying abroad for study and research purposes. It offers coverage for up to $300,000 in medical expenses, with a limit of $150,000 per injury or sickness. COVID-19 medical expenses are covered with the plan, as is coverage for sports activities.

Regardless of which policy you choose, it's vital to study each of them closely to see what is and isn't covered in the one you choose.

Key Features and Benefits

Trawick International travel insurance offers several plans for different types of travelers with different needs. The coverage levels and premiums will vary depending on the traveler's age, trip costs, and destination.

Below is a list of six travel insurance plans Trawick offers with its Trip Protection plan:

Additional Coverage Options

Trawick International travel insurance offers additional coverage options on specific plans. Some come with no extra charge. Others cost extra. And only some policies allow for these additional coverage options.

Additional coverage options include:

Rental car damage coverage:  It's possible to add this coverage to certain plans from Trawick, like its Safe Travels First plan. This coverage will reimburse damage to a rental car up to an allowed amount.

Pre-existing condition coverage:  Pre-existing condition waivers are available if you purchase travel insurance within seven to 21 days of booking your flight, depending on the policy.

CFAR coverage: "Cancel for any reason" coverage can only be added to Trawick's Armor, Journey, Voyager, First Class, Flex, and Rental Plus plans. This add-on allows travelers to cancel their trip, for any reason, up to two days before departure and get 75% of trip costs reimbursed. CFAR coverage is only available for US residents and US citizens.

How Much Does Trawick International Cost?

Getting a quote from Trawick is a straightforward process. You can visit its website or use an insurance comparison site like Squaremouth.

You must provide traveler and trip details like your date of birth, state of residence, destination, and trip costs. With this information, you should be able to get quotes for the different plans available almost instantly.

Below are a few real-world examples of coverage options and costs from Trawick as of April 2024.

For example, let's look at what it would cost to insure a 35-year-old resident of Ohio spending $8,000 on a two-week trip to France. Below are the costs for each of the six different coverage options.

The cost of coverage ranges from the bottom-tier Safe Travels Explorer plan at $257.04 to the top-tier Safe Travels First Class policy for $453.33. That equates to about 3% to 6% of the total trip cost, which is on the lower end when compared to the average cost of travel insurance .

Now let's look at the cost of coverage for a 55-year-old from Colorado traveling to Argentina and spending $6,000 on a three-week trip.

The premiums for this traveler are higher, but that's to be expected given their age. The lowest-cost Safe Travels First Class plan costs $243.23 and the top-tier Safe Travels Voyager costs $574.14. That represents a cost of between 4% and 9.5% of the total trip cost, higher than the previous example but still within industry averages.

Lastly, we'll look at the premium costs for a 45-year-old resident of Texas traveling to Fiji for two weeks and spending $7,000 on the trip.

The lowest cost plan in this scenario is the Safe Travels Explorer plan, which runs $284.28. And the most expensive is the Safe Travels First Class, at $405.54. You're paying between 4% and 5.8% of the total trip cost at these prices. Again, that's right on track with the averages in the travel insurance industry.

Trawick International travel insurance has several different claims departments and forms, so how you file a claim will vary depending on the coverage you purchase.

You can find claims forms and contact information on Trawick's claims forms page. That's where you'll find information regarding where to mail or email your claim form and contact information for the appropriate claims group.

Reviews on SquareMouth and Google say the claims process can take up to several months and require constant hassling. To avoid additional issues with the claims process, be sure to keep thorough documentation of any unexpected costs incurred during travel. Additionally, you should be as specific as possible when filing a claim.

See how Trawick stacks up against the competition. 

Trawick International vs. Allianz Travel Insurance

Allianz and Trawick International travel insurance are similar in offering several different coverage options.

Allianz offers 10 travel insurance plans, including one-off and multi-trip policies. So you'll have options whether you're looking to cover a specific trip or plan to take multiple trips a year. Of course, the different plans offer varying levels of coverage, and the premiums depend on the traveler and trip specifics.

Allianz's most popular single-trip travel insurance option, the OneTrip Prime plan, offers up to $100,000 in trip cancellation coverage, up to $150,000 in trip interruption coverage, $50,000 in emergency medical coverage, up to $1,000 in coverage for baggage loss, theft, or damage, and up to $800 in travel-delay coverage.

Trawick's most comparable plan is its Safe Travels Explorer Plus plan, which offers up to $100,000 in trip cancellation and interruption coverage, $50,000 in emergency medical coverage, up to $750 for personal effects, and trip delay coverage of $500.

The best way to decide which company to go with is to compare quotes using your specific trip details and personal information, as those are the details that will affect the cost the most.

Read our Allianz travel insurance review here.

Trawick International vs. Nationwide Travel Insurance

Nationwide is a household name when it comes to insurance providers and one of the most well-known and recognized insurance firms in the US. By providing just two single-trip options, the Essential and Prime plans, Nationwide travel insurance has made it simple to find coverage. Nationwide also offers yearly trip insurance for those who travel a lot throughout the year, as well as cruise-specific plans and annual trip insurance.

To compare the two companies, we'll put Nationwide's Essential plan beside Trawick International travel insurance's middle-of-the-road Safe Travels Single Trip plan.

Nationwide's Essential Plan provides up to $10,000 in trip cancellation coverage, up to $250,000 in emergency medical evacuation, up to $150 per day ($600 maximum) reimbursement for travel delays of six or more hours, and coverage for delayed or lost baggage.

In comparison, Trawick's Safe Travels Single Trip plan offers 100% of the insured trip (up to two times the trip cost) in trip cancellation coverage, $350,000 in emergency medical evacuation, and up to $200 per day ($600 maximum) for travel delays of 12 or more hours, and lost and delayed baggage coverage.

So, this particular plan from Trawick offers slightly higher coverage limits for most of the coverages compared.

The high-tier Prime Plan from Nationwide offers even more coverage, including up to $30,000 in trip cancellation, up to $1 million in coverage for emergency medical evacuation, up to 200% of the trip cost (maximum of $60,000) in trip interruption coverage, and $250 per day for trip delays of six or more hours.

To compare, Trawick's highest-tier Safe Travels Voyager plan comes with trip cancellation coverage of up to $100,000, up to $1 million in emergency medical evacuation, up to 150% of the insured trip cost for trip interruption, up to $2,000 maximum reimbursement for travel delays, and coverage for delayed or lost baggage.

Comparing these two policies, you see how it's somewhat of an apples-to-oranges comparison, as some coverage limits are higher or lower. And don't forget that the coverage premiums will vary depending on the traveler and trip specifics.

Read our Nationwide travel insurance review here.

Trawick International vs. Credit Card Travel Insurance Benefits

Be sure to compare the coverage of travel insurance plans with the coverage offered by your rewards credit cards before purchasing a travel insurance policy. Some basic coverage, like rental car insurance, could already be available through one of your existing cards.

If you're on a road trip and all your expenses are refundable, or if your health insurance covers you while abroad and you don't think you'll have many medical bills, the coverage from your credit card may be sufficient.

It's also worth noting that in most cases, credit card travel protection is only supplementary to a travel insurance policy. This implies you'll have to file your claim with the other relevant insurance (such as the airline) before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed Trawick International

We compared Trawick International's travel insurance offerings to those of the best travel insurance companies to help you find the policy that fits your needs. When reviewing a policy, we considered coverage options and limits, what's included in your plan, add-ons available, and costs. The best policy for you is one that offers adequate coverage without breaking the bank.

Choosing the best policy for you and any co-travelers is about selecting a policy with the right type of coverage and adequate coverage limits. Ideally, you should ensure that it works well in your budget and allows you to submit a claim quickly. You can read more about  how we rate travel insurance products  here.

Trawick International travel insurance is a very popular and reputable travel insurance provider. The company has been in business since 1998 and is known for offering solid coverage options at affordable prices.

Trawick's policies included access to 24/7 travel assistance. Travelers can reach a customer service representative by phone, email, and live chat. Representatives can answer questions about the travel insurance and trip cancellation plans available, help purchase the right plan for an upcoming trip or cruise, and assist with changes to already purchased plans. The toll-free number is 888-301-9289. You can reach the company by email at [email protected] . Live chat is available on its website.

CFAR (cancel for any reason) is one of the many coverages buyers can expect in Trawick International plans. Always check individual plans to ensure you get all the coverages you want.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Trawick International

Trawick Travel Insurance for Every Type of Trip

Trawick offers a variety of plans, including travel medical insurance, trip cancellation insurance , and specialized packages for visitors to the U.S. Their travel medical plans offer coverage for emergency medical expenses, evacuation, and even pre-existing conditions. Additionally, Trawick International provides "Cancel for Any Reason" options, ensuring that travelers have the peace of mind to cancel their trips for non-standard reasons and still receive reimbursement. These diverse and customizable plans make Trawick International a trusted choice for travelers worldwide.

Trawick International is a well-established provider of comprehensive travel insurance solutions, serving a diverse range of travelers, including tourists, business professionals and groups , and students . Their primary goal is to offer tailored insurance plans that ensure travelers are covered for various unexpected events while abroad, such as medical emergencies, trip cancellations, and delays. With a focus on flexibility and customer satisfaction, Trawick International allows clients to choose the coverage that best fits their travel needs.

Why Choose Trawick Travel Insurance Plans?

Extensive worldwide network.

Trawick offers its members an extensive worldwide network of quality physicians, hospitals and pharmacies.

Travel Assistance

Trawick's travel assistance is available to members 24/7. They offer a convenient chat feature on their website to speak to live agents regarding any questions.

Trip Protection

Trawick International protects its members while also protecting their vacation. Along with comprehensive medical coverage, Trawick provides coverage for emergency evacuation, repatriation, trip interruption, trip cancellation, trip delay and lost baggage.

Trawick International Travel Insurance Plans

Trawick International provides numerous travel plans for individuals and groups traveling domestically or internationally for work or pleasure. Trawick also provides coverage for students studying abroad internationally.

Safe Travels Outbound - Coverage for U.S. Citizens Traveling Outside the U.S.

Trawick's Safe Travels outbound is a travel medical plan for U.S. citizens and residents who are traveling outside of the U.S. The plan includes medical, emergency evacuation, and repatriation. Premium rates are based on age, with a minimum of five days to a maximum of 180 days of coverage.

Safe Travels Outbound

• U.S. citizens/residents traveling outside the United States
• Up to $500,000 in emergency medical coverage
• Coverage for up to 180 days

Safe Travels Voyager - Trip Cancellation Coverage

Trawick's Safe Travels Voyager plan is designed for individuals looking for the highest available benefit limits to protect their trip. This plan covers trips up to $100,000 for trip cancellation and includes $250,000 per person of medical coverage. Travelers can include optional benefits such as CFAR (cancel for any reason), IFAR (interruption for any reason), and 24-hour accidental death and dismemberment coverage. Safe Travels Voyager also covers pre-existing medical conditions.

Safe Travels Voyager

• Valid for U.S. citizens/residents traveling within the U.S. and/or internationally
• Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
• Cancel for Any Reason available

Safe Travels USA - Coverage for Non-U.S. Citizens Traveling Inside the U.S.

Trawick's Safe Travels USA is a travel medical plan for non-U.S. citizens or residents traveling to the U.S. and other countries. This plan includes comprehensive medical, evacuation, and repatriation coverage. Safe Travels USA can be extendable up to 364 days.

• Desinged for non-U.S. citizens traveling to the U.S. and addiitonal countries
• Includes comprehensive medical, evacuation, & repatriation coverage
• Coverage from 5 days to 364 days - extensions are available

Safe Travels International - Coverage for Non-U.S. Citizens Traveling Outside the U.S.

Trawick's Safe Travels International is a travel medical plan for non-U.S. citizens or residents traveling outside their home country to other countries besides the U.S. The plan includes accident and sickness medical coverage, emergency evacuation, and trip delay.

Safe Travels International

• Desinged for non-U.S. citizens traveling outside their home country (excluding the U.S.)
• Coverage for an unexpected recurrence of a Pre-Existing Condition

Trawick Health Care Network

Trawick International and First Health teamed up to provide members with an extensive network of doctors and hospitals in the USA. Members insured under certain Trawick travel insurance plans within the U.S. can search for a doctor or hospital within their network and choose from the many options that are available.

Travelers who purchase a Trawick travel plan as secondary coverage can use their primary plan's healthcare network, and Trawick will provide coverage for deductibles, co-insurance, or remaining medical bills.

Travelers elsewhere in the world can see any doctor and submit a claim for reimbursement.

Trawick Travel Insurance - Member Services

Trawick's Travel Assistance is available 24 hours a day, 7 days a week through phone and online chat. Members can make use of Trawick's travel agents by asking any question or requesting information regarding a plan or product.

Trawick International also offers immediate online policy issues and personalized member ID cards.

Customers can submit claims to Trawick International for medical treatment, a canceled trip, or lost baggage. Claim forms are easily accessible and downloadable on Trawick's website under Claim Information.

Trawick International FAQs

How much do trawick travel insurance plans cost per day.

Trawick International offers a variety of affordable travel insurance plans tailored to meet your specific needs. On average, their plans cost between $1 and $5 per day, depending primarily on the coverage limits and benefits you choose. For instance, plans with higher medical coverage or extensive trip cancellation protection may cost more. Other factors, such as the traveler's age and the length of the trip, also influence the cost. Trawick provides flexible options, ensuring you get the best value for your travel needs.

Is Trawick International a good insurance provider?

Trawick International has been a trusted name in travel insurance for over 25 years, providing coverage since 1998. With 94% of customers saying they would recommend and purchase from them again, Trawick International consistently delivers reliable service. They offer 24/7 customer service and travel assistance, ensuring you're always with support when you need it most. Major outlets such as CNN, Business Insider, U.S. News, Forbes, and NerdWallet have recognized their travel insurance plans, further solidifying their reputation as a top choice for travelers worldwide.

Does Trawick travel insurance cover pre-existing conditions?

Trawick International offers coverage for pre-existing conditions, but it depends on the specific plan and when you purchase the insurance. Many of their plans include a waiver of the pre-existing conditions exclusion if you buy the policy within a particular time frame after your initial trip deposit, typically 10-21 days. Please be sure to review the plan details carefully to make sure you're covered.

Does Trawick offer Group Insurance Plans?

Yes. Trawick International offers group travel insurance plans for all types of international travelers.  Their plans are available to individuals and groups throughout the world. 

Trawick specializes in group travel insurance for all organizations - from small start-up companies to volunteer groups and large corporate teams.

If you have employees living abroad for a year or more, consider a group global health insurance plan to cover your expatriate workers.

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Trawick International Travel Insurance Review — Is It Worth It?

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Table of Contents

Why purchase travel insurance, travel insurance and covid-19, why purchase travel insurance from trawick international, types of policies offered by trawick international, trawick international — reviews of plans and prices, how to get a quote, how trawick international compares, how to file a trawick international travel insurance claim, final thoughts.

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There are many travel insurance companies you could consider before your next vacation.

One such company is Trawick International , which got its start in 1998 by providing insurance for students at universities and study-abroad participants.

Now, 25 years later, the company sells a variety of travel insurance plans, including those for domestic and international travel and even covering volunteer workers. Its most popular plans for U.S.-based travelers are underwritten by Nationwide, a household name in insurance.

Let’s look at everything you need to know about Trawick International insurance , review some of its plan types and costs, and then compare it to your other options for travel insurance.

While it’s not fun to think about, travel insurance can protect your health and your bank account when something goes wrong during your trip. This can include relocation when medical help isn’t nearby and reimbursement for extra expenses when your suitcase is lost or stolen.

Travel insurance covers the parts of your trip that don’t go according to plan. This includes cancellations and interruptions due to unexpected events like severe weather, illness, medical emergencies, theft, and more .

Each time you travel, you’ll decide whether to purchase travel insurance. You can purchase from travel companies while buying flights or cruises as well as purchasing from specialized travel insurance companies and customizing your policy to suit your needs. This also allows you to shop around for the best price . Additionally, you should consider whether it makes sense to purchase insurance coverage for each trip or an annual policy.

When does it make sense to purchase travel insurance? Consider the following:

• Your trip includes non-refundable upfront expenses and losing these (if your trip is canceled at the last minute) would be costly.
• You have multiple travel providers (ex: airlines, hotels, cruises, a tour guide, etc.), creating additional opportunities for pain points .

While travel insurance is meant to cover  unforeseen  events, buying  Cancel for Any Reason coverage  also might allow you to cancel your trip for any reason.

The outbreak of the COVID-19 pandemic presented several new and unique problems for travelers. First, the medical concerns — should you contract COVID-19 while away from home, you may need to see a doctor or spend time in a hospital.

There are financial concerns, as well. The cost of tests, hospital visits, and seeing a doctor in a foreign country can add up quickly — as can the costs of quarantines or additional hotel nights. Moreover, some countries still require travelers to present proof of travel insurance that can cover these costs should they get sick or test positive for COVID-19 while in their destination country.

Trawick International has been providing travel insurance for 25 years and has an average of 4.4 stars across customer reviews on Trustpilot and 4.13 on Squaremouth . It also provides immediate plan documents and plan ID cards after purchasing a policy, helping you get proof of coverage immediately.

On top of positive customer reviews and the fact that it’s an established company with a worldwide footprint, Trawick International tends to provide higher maximum coverage amounts than competitors when comparing similar plan types. Moreover, COVID-19 coverage is included across plans , and coverage for pre-existing conditions can be added to most plans. This is good news for those needing this protection.

The variety of plan types is another bonus. While it may feel overwhelming to see so many options, this also indicates that plans are tailored to your specific needs, rather than a “one-size-fits-all” approach.

The biggest positive, however, may be Trawick’s partnership with Nationwide , which underwrites most of its trip cancellation-related policies for U.S.-based travelers. As a household name in insurance, this provides a sense of reliability.

Trawick International offers several types of insurance , depending on your home country, destination , and whether you’re looking for robust coverage or coverage that’s focused on medical costs .

For example, U.S. residents traveling internationally can buy a Safe Travels Outbound policy that’s focused on medical expenses but also includes coverage for delays, interruptions, or baggage problems. Policies start at $20 but have a 5-day minimum .

The most popular plan is the Safe Travels Voyager plan . It includes $1,000,000 of medical evacuation coverage, trip delay coverage, baggage delay benefits, rental car protections, and the ability to add “Cancel for Any Reason” (CFAR) coverage for an extra cost . However, there’s no option to add coverage for pre-existing medical conditions . The CFAR coverage can reimburse up to 75% of your non-refundable costs if you cancel at least 2 days before departure.

A Safe Travels First Class policy provides $1,000,000 in medical evacuation coverage, $150,000 in coverage for medical expenses, and missed connection coverage (for cruises and tours), but it requires a 12-hour delay before your baggage benefits kick in. You can add CFAR coverage to this policy also.

The Safe Travels Single Trip plan covers up to $75,000 of medical expenses and $350,000 for emergency medical evacuation (including COVID-19). Unfortunately, you can’t add CFAR to these policies.

With a Safe Travels Explorer plan, you get trip cancellation and trip interruption coverage at a low cost . You can add coverage for pre-existing conditions if you buy your plan within 7 days of your first deposit toward the trip.

If you’re concerned about coverage for pre-existing medical conditions, understanding the timeline for when you need to purchase your policy is critical. It’s typically based on the time from your first payment toward your trip.

A Safe Travels Rental Plus plan covers your non-refundable trip expenses if bad weather cancels or interrupts your trip. This policy applies to costs for tickets, hotels, vacation rentals, and more.

Students studying outside their home countries can buy a Collegiate Care Essential policy. It covers up to $150,000 of expenses per injury or illness with a maximum of $300,000 per policy. It covers COVID-19 expenses as well as injuries from some sports.

To compare prices, we got quotes for a 1-week trip to England for a family of 4 (ages 35, 34, 5, and 3). The travel dates were October 5-11, 2023, and the first trip deposit was made within 24 hours. We estimated the trip cost as $1,000 per person.

Plans don’t provide coverage in Belarus, Russia, or Ukraine . Additionally, the optional add-ons you see will vary based on your home state of residence .

If you’re looking for annual travel insurance, Trawick International has it. Here’s how the 3 options compare:

Note that for the above plans, coverage starts the day after purchase and is only available for U.S. citizens and residents.

If you’re looking for a plan that covers adventure sports, you can read about inclusions and exclusions with the SafeTreker plan .

Trawick also offers plans for non-U.S. residents traveling to countries outside the U.S., plans for those who need insurance that meets Schengen visa requirements, and more. We’ve focused on plans available to U.S. residents here, but there are additional options.

You can obtain a quote online easily by heading to Trawick International’s website . Interestingly, you can choose “multiple countries” as your destination .

After choosing your home and destination country (ies), provide your travel dates . Then, you’ll provide your deposit date and trip cost . You also have the option of choosing whether you want trip protection (for cancellations).

Policies will be cheaper if you choose “no” to trip protection, resulting in a policy that’s mostly focused on medical coverage. On the next page, you’ll provide the ages of anyone traveling on this policy and indicate whether or not you’re a student .

After this, you’ll receive a list of quotes showing prices and payout maximums in the various categories. You’ll also see options for add-ons and upgrades .

To Credit Card Travel Insurance

To other travel insurance companies.

How does Trawick stack up to its competitors? We used Squaremouth to compare prices for that same 1-week family trip to England. Here’s how Trawick International compares to travel insurance plans and costs from USI Ruby and Generali Global Assistance Preferred when looking for similar types of coverage.

Trawick’s plan is the most expensive . All 3 plans cover COVID-19 but only USI and Trawick offer add-ons for pre-existing medical conditions ; Generali doesn’t offer this on the Preferred plan. While Generali only offers $150,000 of secondary emergency medical coverage, USI and Trawick offer $250,000 of primary coverage . Trawick offers $1,000,000 of medical evacuation and repatriation coverage, while the other 2 only offer $500,000.

Trawick has the shortest waiting period for baggage delays and travel delays, as well as the highest maximum payouts in these areas. It also provides the highest maximum coverage for missed connections and baggage loss.

All 3 plans have the same coverage amounts for trip cancellation and trip interruption. Generali’s coverage for hurricanes and weather kicks in immediately , while Trawick requires waiting 12 hours; USI requires 48 hours.

Trawick International charges a higher cost than competitors for plans with the same types of coverage if you compare mid-tier plans. However, its maximum payouts are higher in several categories, plus waiting periods for delay-related coverage are shorter in several aspects.

You can file a claim with Trawick International online, by email, or through the mail . You’ll start by finding the name of your plan (listed in the confirmation coverage, which you received after purchase) and gathering all documents related to your claim . These include receipts, documents related to the claim — such as a doctor’s note or letter from the airline confirming the reason for a delay — and a claim form specific to your plan type .

If you have a Safe Travels plan, you can submit your claim online at CBP Connect , by email to [email protected] , or by mail to this address:

Co-ordinated Benefit Plans, LLC On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies P.O. Box 26222 Tampa, FL 33623

Trawick International offers a wide range of travel insurance plans, has largely positive customer reviews, and its maximum coverage amounts tend to be higher than competitors when looking at similar plans. That said, its costs can be higher than competitors, so evaluate whether you need these extra benefits before paying for them.

All plans should cover COVID-19 and several cover pre-existing medical conditions. However, you need special plans for adventure sports. If you’re going to buy a plan, ensure you know what you need and get the right policy. Having a policy that doesn’t cover your needs is the same as not having a policy at all.

For Capital One products listed on this page, some of the benefits may be provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For the baggage insurance plan benefit of the Amex Platinum card, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of the Amex Platinum card, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the premium global assist hotline benefit of the Amex Platinum card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, card members may be responsible for the costs charged by third-party service providers.

For the trip delay insurance benefit of the Amex Platinum card, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of the Amex Platinum card, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card ® from American Express, click here .

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