Trawick Voyager Travel Insurance Plan - Review
Trawick Travel Insurance is a partner of Aardy. In this article, we showcase the Trawick Voyager Travel Insurance Policy.
Trawick Voyager offers strong Emergency Medical Insurance, substantial Medical Evacuation, and generous a Pre-Existing Medical Condition Exclusion Waiver.
We always advise that travelers carry at least $100,000 of Emergency Medical Insurance when traveling overseas. Our recommendation provides reasonable coverage if severe illness or injury occurs, followed by a prolonged period of treatment.
No one likes to think about these things, but US travelers experience accidents every day overseas. We believe it's best to have suitable levels of coverage in place because it provides peace of mind. The Trawick Voyager Travel Insurance policy is a champion in this regard.
Also, we encourage all travelers to consider a trip insurance policy with a Medical Waiver. Medical Waivers allow the plan to cover Pre-existing Medical Conditions. Without a Waiver, travel insurance excludes Pre-existing Conditions.
When a travel insurance plan offers a Waiver of Pre-existing Conditions, it embeds the Waiver in the policy. There is no additional cost to the insured. The Waiver is automatically included when you buy travel insurance promptly after your first trip deposit or payment.
We find Trawick Voyager Travel Insurance is robust and worth considering for travel insurance comparison.
Trawick International is a full-service travel insurance provider specializing in travel-related coverage for tourists, students, scholars, businesses, groups, and all other globe trekkers.
Trawick Travel Insurance is underwritten by Nationwide Mutual Insurance Company and administered by Co-ordinated Benefit Plans.
Travel Insurance provides emergency assistance services if you have a problem during your trip. Travel Insurance covers the unexpected costs such as having to cancel or interrupt your trip due to unforeseen reasons, such as the illness of you, a family member, or a travel companion, severe weather, missed connections, strikes, default of travel supplier and other unexpected events that may arise before or during your trip. Plans include trip cancellation and interruption, accident and sickness with assistance services, medical repatriation, baggage coverage, accident insurance, travel accident insurance, and many other benefits.
This insurance also includes toll-free, 24/7 multilingual emergency assistance services to help arrange any care you may need while you are away from home.
Let's take a look at the Trawick Voyager Trip Insurance plan benefits.
Trawick Voyager Trip Insurance
The Trawick Voyager Travel Insurance policy protects your trip investment and covers emergency accident and sickness expenses.
The Voyager plan is great for domestic or international destinations and has excellent benefits and coverage.
Trawick Voyager Travel Insurance Benefits
Maximum Limits Per Person
Trip Cancellation - 100% of Trip Cost* up to $100,000 Trip Cost
Trip Interruption - 150% of Trip Cost** up to $150,000 Trip Cost
Travel Delay - $1,000 ($250 per day after an initial delay of 6 hours or more)
Missed Connection - $1,000 (after an initial common carrier delay of 3-6 hours)
Airline Reissue or Cancellation Fee - $100
Reimbursement of Miles or Reward Points - Up to maximum shown on the schedule of benefits
Baggage & Personal Effects - $2,500 ($300 per article)
Baggage Delay - $600 (after an initial delay of 8 hours)
Accident & Sickness Medical Expense - $250,000
Emergency Medical Evacuation - $1,000,000
Accidental Death & Dismemberment - $25,000 anytime; $50,000 common carrier
Pre-existing Condition Waiver Available - if purchased before or on your Final Payment due date
Trawick Travel Insurance - Voyager - Covered Perils
Emergency Sickness/Illness/Injury/Death - Yes
Hijacking, Medical Quarantine, Subpoena or Jury Duty - Yes
Home uninhabitable due to fire, flood, burglary or Natural Disaster - Yes
Direct involvement in a documented traffic accident while en route to your departure - Yes
Organized Labor Strike - Yes
Terrorist Incident - Yes
Inclement Weather and Natural Disaster - Yes
Revocation of previously granted military leave - Yes
Financial Default of Travel Supplier - Yes
Theft of passport or visa that prevents departure - Yes
Mandatory evacuation ordered by government authority due to adverse weather and Natural Disaster - Yes
Trawick Travel Insurance - Voyager - Additional Information
Maximum Trip Duration - 180 days
Pre-Existing Condition Review Period - 90 days
Premium Refunds - You may submit a cancellation request and receive a full refund within 10 days from the effective date of your coverage***
Latest date plan can be purchased - 1 day before departure
24/7 Emergency Travel Assistance - Included
This is only a summary of the Trawick Voyager program. Please read the policy carefully to fully understand the coverages, terms, conditions, limits, and exclusions. Not all plans or coverages are available in every state. This summary does not replace or change any part of your policy. If there is a conflict between this summary and the policy, the policy will control.
The amount of benefits provided depends upon the plan selected. Premium is based on the traveler's age and the trip cost. Rates are subject to change at any time.
You can purchase the plan at any time, but you are only eligible for Cancel For Any Reason if you purchase it within 15 days of the Initial Trip Deposit. Other benefits will apply as per the terms and conditions of the policy.
*The trip cancellation benefit is determined by the amount of your trip you elect to protect, up to the maximum benefit stated above.
**The trip interruption benefit is determined by the amount of trip cancellation benefit purchased. All benefits are per insured person.
Trawick Travel Insurance Frequently Asked Questions
What if I buy it and decide the coverage isn't right for me?
If you are not completely satisfied with the travel insurance you have purchased, you can call to cancel within 10 days of the effective date. Trawick Travel Insurance will cancel the policy and refund your premium as long as you have not yet departed on your trip, nor submitted a claim.
This refund policy is known as the Free-Look Period. Free-Look may not be available in some states.
What is the Pet Coverage Benefit?
Provides up to $250 reimbursement for pet return, pet medical expense, kennel expense on trip delays, and trip cancellation/interruption due to the death of a pet. It also includes pet assistance services before and during travel.
If I already have medical coverage, why do I need to pay for it again within travel insurance coverage?
Travel Medical Expense is designed to cover expenses for accidental injury and sickness occurring on your trip. This benefit provides coverage for medically necessary care that may not be covered on your health insurance plan.
You should check with your health insurance provider to verify if you are covered outside of the plan area or the US. This travel insurance also includes valuable 24/7 emergency assistance to aid with locating medical care, medically necessary transportation, and arranging payment for medically necessary care.
If your trip is extended on the order of a physician due to an illness or accidental injury incurred while traveling, the policy may cover hotel and meal expenses, as well as additional airline transportation costs.
Travel assistance services can also help you with many other tasks, such as arranging for forgotten or damaged prescription medication, locating an English-speaking doctor, and ensuring you are receiving the right care for a medical emergency.
The multilingual assistance staff provide you with helpful information and advise you where to go if you lose your passport, need cash or legal services at your destination.
What if a trip is longer than 180 days?
Trawick Travel Insurance covers the first 180 consecutive days of a trip. Coverage ends at 12:01 a.m. on the 181st day of the insured's trip.
What is a Pre-existing Condition?
Pre-existing medical condition means any accidental injury, sickness, or disease of you, your traveling companion, or your family member booked to travel with you for which medical advice, diagnosis, care, or treatment was recommended or received within 90 days ending on the effective date.
Sicknesses or conditions are not considered pre-existing if the illness or condition for which prescribed drugs or medicine is taken remains controlled without any change in the required prescription throughout the entire 90-day period ending on the effective date, and no medical advice, diagnosis, care or treatment has otherwise been received.
Can the Pre-Existing Condition Exclusion be waived?
The Pre-Existing Condition exclusion will be waived provided:
- Your premium is received prior to or on your final payment due date; and
- You insure all prepaid trip costs that are subject to cancellation penalties or restrictions, and also insure prior to or on the final payment due date the cost of any subsequent arrangements (or any other arrangements not made through your travel agent) added prior to your trip; and
- You are medically able to travel on your effective date.
What is a covered Trip?
Trip means scheduled to travel with a defined itinerary away from your home for which coverage is purchased under this policy, and the premium is paid.
What events are covered under Trip Interruption?
Typically, an insured can interrupt their trip for the same or similar reasons as they can for canceling their trip. Trip Interruption differs because it provides coverage once you depart for your covered trip.
The insured will be reimbursed for prepaid, unused, and non-refundable travel arrangements plus additional transportation costs to catch up to their trip or return home early.
Is the loss of baggage covered?
This coverage is subject to any coverage provided by a Common Carrier and shall apply only when such other benefits are exhausted. For a claim to be processed under this Coverage, a loss or theft report must be filed with local law enforcement authorities, the Common Carrier, Travel Supplier, tour leader, or with a representative of the venue or location where the loss or theft took place.
Personal Effects And Property
The company will reimburse You up to the Maximum Benefit shown on the Schedule of Benefits, subject to any applicable sub-limits, if You sustain loss, theft or damage to baggage and Personal Effects during the trip, provided You have taken all measures possible to protect, save and/or recover the property at all times. The baggage and Personal Effects must be owned by and accompany You during the trip.
The company will pay the lesser of the following:
- Actual Cash Value at time of loss, theft or damage to baggage and Personal Effects; or
- the cost of repair or replacement in like kind and quality.
There will be a per article limit as shown on the Schedule of Benefits. There will be a combined Maximum Benefit as shown on the Schedule of Benefits for the following:
jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.
What does Baggage Delay cover?
This benefit reimburses a specified amount for the purchase of emergency toiletries and clothing when an insured's checked luggage is lost or delayed by the airline or other Common Carrier for 8 hours or more.
Under what conditions can I cancel my travel insurance policy?
All premium is refundable only during the ten (10) day review period from the
date of purchase (or from the date of receipt if mailed) provided you have not already departed on your trip, and you have not incurred any claimable losses during that time. If you depart on your trip prior to the expiration of the review period, the review period shall automatically end upon your departure.
What does the Travel Delay benefit cover?
The company will reimburse you for covered trip delay expenses, up to the maximum benefit shown on the schedule of benefits, if you are delayed, while coverage is in effect, en route to or from the trip for six (6) or more hours due to a defined
Covered Trip Delay Expenses:
- Any prepaid, unused, non-refundable land and water accommodations;
- Any reasonable expenses incurred;
- An economy fare from the point where you ended your trip to a destination where you can catch up to the trip;
- A one-way economy fare to return you to your originally scheduled return destination.
If you are delayed by a common carrier while en route to your return destination after the trip is completed and have placed your cat or dog in a kennel for the duration of the trip and you are unable to collect them on the day previously agreed with the kennel, benefits will be paid up to the maximum benefit shown on the schedule of benefits to cover the necessary additional kennel fees.
If you are traveling with your cat or dog and are delayed by a common carrier while en route to or from your trip, benefits will be paid up to the maximum benefit amount shown on the schedule of benefits to kennel your cat or dog during the delay.
Can I buy travel insurance after an incident has occurred?
Travel insurance coverage applies only to unforeseen issues that occur after the policy is in effect. Insurance does not cover events that are no longer unexpected or unforeseen.
What is considered an Accident?
An accident is defined as a sudden, unexpected, unusual, specific event that occurs at an identifiable time and place during the covered trip and also includes a mishap to a conveyance in which you are traveling.
Are there any coverage exclusions?
The complete details of coverage exclusions that may affect coverage and benefits payable are summarized in the certificate. Please read the certificate carefully and note all exclusions and state exceptions that may apply.
How can a traveler get assistance while on a trip?
Call Toll-free: 855-464-8974 (Within the United States and Canada)
Or Call Collect: 603-328-1361 (From all other locations)
When does insurance coverage begin?
a) coverage has been elected; and
b) the required premium has been paid.
All coverage except Trip Cancellation and Optional Trip Cancellation For Any Reason will begin on the Scheduled Departure Date, or the actual departure date if a change is required by a Common Carrier when You depart for the first Travel Arrangement (or alternate travel arrangement if You must use an alternate travel arrangement to reach Your Trip destination) for Your Trip. Coverage will not begin before the Effective Date shown on Your purchase confirmation.
Trip Cancellation and Optional Trip Cancellation For Any Reason coverage will begin on Your Effective Date. No coverage can be purchased after a person departs on a trip.
What perils are covered under the Trip Cancellation benefit?
- Sickness, Injury or Death of You, a Family Member or Traveling Companion
- Complications of Pregnancy of You, a Family Member or Traveling Companion
- Termination, Layoff or Transfer of Employment
- Company made unsuitable for business by fire, flood, burglary, vandalism or other Natural Disaster
- Revoked military leave
- Being called to emergency duty to provide aid or relief in the event of a Natural Disaster (this does not include war)
- Inclement Weather
- Your accommodations at Your destination made inaccessible due to fire, flood, volcano, earthquake, hurricane or other Natural Disaster
- Mandatory evacuation due to hurricane or other Natural Disaster
- A weather delay at the sporting competition causing the sporting competition to be rescheduled or canceled
- Closure of at least fifty percent (50%) of Trails or slopes at the destination due to insufficient snow, Natural Disaster or severe weather
- or Trail conditions
- Level 4 Travel Advisory at destination country or region
- Terrorist Incident
- Victim of a felonious assault
- You or Your Traveling Companion or Family Member are kidnapped or disappears and has not returned within thirty (30) days prior to
- Your Scheduled Departure Date
- Theft of Passport or Visa
- Death or critical condition diagnosis of Your cat or dog that occurs within seven (7) days prior to Your Trip Scheduled Departure Date
- Hijacked, Quarantined, required to serve on a jury, or subpoenaed
- Your home made Uninhabitable by Natural Disaster; or burglary
- An interruption of water, electric, sewage or gas service(s) at Your destination
- You or Your Traveling Companion being directly involved in a traffic accident
- Closed roadway causing cessation of travel
- Bankruptcy or Default of a Travel Supplier
- Mechanical breakdown of Your Common Carrier's aircraft
- Your arrival on the trip being delayed due to a Hazard that causes You to lose fifty percent (50%) or more of the scheduled Trip duration.
*Complete details of coverage, terms, limitations, and exclusions that may affect benefits are summarized in the certificate. Please read the certificate carefully and note all state exceptions that may apply.
What is AD&D – Air only?
The company will pay benefits for Accidental Injuries resulting in a Loss as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any air conveyance operated under a license for the transportation of passengers for hire during the trip. The loss must occur within one hundred eighty (180) days after the date of the accident causing the loss. The Principal Sum is shown on the Schedule of Benefits.
If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.
Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and all state exceptions that may apply.
How do I make a claim with Trawick?
Written notice of claim must be given by the claimant (either You or someone acting for You) to the company or its designated representative within seven (7) days after a covered Loss first begins.
Notice should include Your name and the Plan number. Notice should be sent to the company's administrative office, at the address shown on the cover page of the policy, or to the company's designated representative.
You can download claim forms on Trawick's website: https://www.trawickinternational.com/claim-information/claim-forms
For Claim Status, please contact 866-669-9004 or use the Claims Portal.
Mail claim form and all necessary documents to:
Co-ordinated Benefit Plans LLC on Behalf of Global Benefits Group
PO Box 2069
Fairhope AL 36533
AARDY - Travel Insurance Marketplace
Trawick Safe Travels Voyager is a robust and comprehensive travel insurance plan.
It includes ample Medical Insurance ($250,000) and Medical Evacuation ($1,000,000), a Pre-existing Condition Waiver, and a generous list of Cancellation and Interruption reasons.
We recommend travelers take the time to consider whether travel insurance makes sense for your trip.
Can I purchase this plan cheaper directly through Trawick International?
No, because there's a US law that prohibits different pricing for the same policy, you can rest assured that the price you see is the lowest price possible.
AARDY is a travel insurance marketplace, which means that we compare your travel insurance options through multiple insurers. We are very selective about the plans we offer on our site.
You'll always find the lowest possible price and value right here at AARDY.