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Helpful tips for filing a travel insurance claim

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June 1, 2020

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Because sometimes..., you have to cancel a trip last-minute..

Travel insurance can reimburse you for your prepaid, non-refundable trip costs — including vacation rentals, car rentals, hotels and flights — if you have to cancel for a covered reason.

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Protect Your Travel!

How to File a Claim with Allianz Travel Insurance

Marie mccarthy.

• March 3, 2024

Filing a claim with Allianz Travel Insurance can be made easier by having the right information. It’s important to know the required steps and documents to ensure a hassle-free process. By adhering to some basic guidelines, you can effectively submit your claim and get prompt support. Being well-informed about the key details will help simplify the claim process and optimize your benefits.

Key Takeaways

• Prepare Your Claim Efficiently: Organize all necessary documents and information before starting the claim process to streamline the submission.
• Utilize Online Filing for Convenience: Take advantage of Allianz’s online platform for a quicker and more convenient claims submission process.
• Consider Mobile Claims Submission: If you prefer flexibility, explore the option of submitting your travel insurance claim via the mobile app for added convenience.
• Opt for Direct-Deposit Payments: Choose direct-deposit as your preferred payment method for faster and hassle-free claim reimbursements.
• Follow Tips for Success: Implement the provided tips, such as double-checking information and following guidelines, to increase the likelihood of a successful claim submission.
• Avoid Common Errors: Be mindful of common mistakes like incomplete forms or missing documentation to prevent delays in processing your claim.

Understanding Claims

• Understand the significance of filing a claim promptly to get reimbursed for covered losses.
• Realize the importance of providing accurate and detailed information when filing a claim.
• Learn how filing a claim with Allianz Travel Insurance can help you recover from unexpected travel mishaps.

Eligibility

• Check if you meet the eligibility criteria to file a claim with Allianz Travel Insurance.
• Ensure you have an active policy and meet the requirements before proceeding with your claim.
• Familiarize yourself with the eligibility conditions set by Allianz Global Assistance for claim submissions.

Required Documents

• Gather all necessary documents such as travel itinerary and receipts to support your claim.
• Understand the specific documentation required by Allianz Travel Insurance for different types of claims.
• Know the importance of submitting complete and accurate documentation to expedite your claim process.

Common Mistakes

• Avoid common mistakes like providing incomplete or inaccurate information in your claim submission.
• Be cautious about missing deadlines or failing to include essential documents in your claim.
• Learn from common mistakes to ensure a smooth and successful claim filing experience.

Preparing Your Claim

Gathering information.

Collect relevant information about your travel incident, expenses, and losses before starting the claim process. Ensure you have all the necessary details to report accurately what happened during your trip. Organize and gather information systematically for a smooth claims filing procedure.

Documentation Checklist

Refer to the Claim Documentation Checklist from Allianz Global Assistance to prepare your required documents. Use it as a guide to ensure you have all essential paperwork ready for claim submission. Follow the checklist meticulously to prevent delays in processing your claim.

Digital Copies

Consider creating digital copies of important documents for easy access during the claims process. Store them securely on multiple devices or cloud storage platforms for added protection. Opt for digital copies of receipts, itineraries, and other supporting documents to simplify uploading them.

Online Filing Process

Account setup.

Setting up an account with Allianz Global Assistance is the initial step to file your travel insurance claim. Create a secure account using your email or policy number. Follow the provided instructions for a seamless claims process.

Submission Steps

Allianz Global Assistance simplifies the submission process into four steps for filing your claim efficiently. Carefully complete each step, including identifying the claim type, providing necessary details, submitting required documents, and selecting payment preferences.

• Identify claim type
• Provide details
• Submit documents
• Select payment preferences

Tracking Progress

After submitting your claim online or via the TravelSmart app, monitor its progress. Stay updated on any communication or requests from Allianz Global Assistance regarding your claim status. Use tracking tools offered by Allianz Travel Insurance to keep track of reimbursement processing.

Mobile Claims Submission

App features.

The TravelSmart app offers a range of convenient features for managing your travel insurance claims effortlessly. You can easily upload documents , track claim status, and communicate with customer support through the app. With these functionalities, the app ensures a seamless experience in handling your claims.

• Access key functionalities like document upload and claim tracking.
• Communicate with customer support directly via the app for quick assistance.
• Enhance user experience with streamlined claims filing processes on the mobile platform.

Uploading Documents

When filing a claim with Allianz Travel Insurance, use their secure channels to upload essential documents that support your case. Follow guidelines on file formats and sizes when submitting files online or through the app. Clear, legible, and relevant documents will expedite the review process of your claim.

• Utilize secure channels provided by Allianz Global Assistance for uploading documents.
• Follow guidelines on document format and size restrictions strictly.
• Ensure all uploaded documents are clear, legible, and relevant to expedite claim processing.

Direct-Deposit Payments

Setup process.

To set up direct deposit payments with Allianz Travel Insurance, first log in to your account on their website. Navigate to the payment preferences section and select the option for direct deposit. Enter your bank account details accurately, including the routing number and account number. Once saved, you can choose direct deposit as your preferred payment method when filing a claim.

When submitting a claim that is approved by Allianz, the funds will be deposited directly into your bank account within a specified timeframe. This eliminates the need to wait for checks in the mail or visit a bank to cash them. The setup process is straightforward and ensures quick access to your claim funds without any delays.

The benefits of opting for direct-deposit payments include faster access to funds compared to traditional check payments. With direct deposit, you can receive your claim reimbursements promptly after approval without any additional steps required from your end. This convenient method also reduces the risk of lost or stolen checks, providing a secure way to receive financial assistance in case of emergencies.

Tips for Success

Avoid delays.

Ensure all required documents are submitted promptly to prevent processing delays and expedite your claim approval.

Submit clear, detailed, and accurate information to avoid any back-and-forth requests for additional documentation.

In cases of missing documents, Allianz may reach out for clarification, potentially causing delays in the claim process.

Double-Check Information

Before submitting your claim, review all details thoroughly to avoid errors that could lead to claim rejection.

Verify the accuracy of personal information, travel dates, expenses incurred, and supporting documents provided.

Double-checking ensures a smooth claims process without unnecessary complications or rejections due to inaccuracies.

Follow Up Regularly

Stay proactive by following up on the status of your claim regularly through Allianz’s online portal or customer service channels.

Regular follow-ups can help address any issues promptly and ensure timely processing of your claim settlement.

Avoiding Common Errors

Incomplete forms.

Incomplete forms are a common issue when filing a claim with Allianz travel insurance. Missing details can lead to delays in processing your claim. Double-check all fields for accuracy.

Submitting an incomplete form may result in the need for follow-up requests, prolonging the claims process. Ensure all required sections are filled out accurately to avoid unnecessary delays.

Incorrect Information

Providing incorrect information on your claim form can also hinder the processing time. Make sure to verify all details before submission. Mistakes such as wrong policy numbers or dates can cause complications.

Double-check your travel documents and policy information to ensure accuracy when completing the claim form. Accuracy is crucial for a smooth claims process without any setbacks.

Missing Documentation

One of the most critical errors is missing documentation , which is essential for validating your claim. Ensure you have all necessary receipts, reports, and other supporting documents ready for submission.

Missing documentation can lead to claim denial or delays in processing. Keep all relevant paperwork organized and readily accessible when filing a claim with Allianz travel insurance.

After Submission

Confirmation receipt.

Once you submit your claim, Allianz Travel Insurance will send you a confirmation receipt . This document serves as proof of your submission and includes important details like the claim number and contact information for inquiries.

You can expect to receive the confirmation receipt shortly after the end of the submission process. It is crucial to keep this receipt safe as it may be required for any future communications or follow-ups regarding your claim.

Query Response

After receiving your claim, Allianz Travel Insurance will promptly review it. If there are any missing documents or information, they will reach out to you for clarification. Ensure to respond promptly to these queries to expedite the processing of your claim.

Expect a query response within a few business days from the date of submission. By providing all requested details in a timely manner, you can help speed up the assessment process and increase the chances of a favorable outcome.

Claim Resolution

The final stage in filing a claim with Allianz Travel Insurance is claim resolution . Once all necessary information has been submitted and reviewed, they will make a decision on whether to approve or deny your claim. If approved, you can expect reimbursement according to your policy terms.

After submitting all required documents and responding to any queries, anticipate reaching the end of this process within a few weeks. Stay informed about any updates regarding your claim by regularly checking communication channels provided by Allianz Travel Insurance.

Hi! Welcome to my website - TravelInsuranceReview (or TIR for short)! My name is Marie McCarthy, and I'm a Texan born and raised. I'm a licensed insurance agent, but I run this blog primarily to share some useful tips I've learned in the space. You can find more on my about page.

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How Do Travel Insurance Claims Work?

Few adventures are as exciting as long-distance travel, but it adds an element of uncertainty. Unexpected travel disruptions can happen, causing unnecessary financial loss. That’s where travel insurance comes in. Travel insurance will cover you for most travel disruptions. Still, you must understand the policy terms and conditions and submit a claim to reimburse nonrefundable expenses. 

In this detailed guide, find out how to submit a trouble-free claim to prevent reimbursement delays. 

Key Takeaways

• Understand your policy benefits, exclusions and limits.
• Keep all receipts and documentation connected to travel disruptions.
• Promptly submit claims and then track your claim online.

Steps for Submitting a Travel Insurance Claim

• Determine if You're Eligible for Coverage

Provide All Necessary Documentation

• See All 16 Items

Submitting a claim is not difficult, but you must meticulously follow each step to avoid delays. 

Determine if You’re Eligible for Coverage

It makes sense to check whether you have coverage before you waste time completing claims. Look through your policy terms and conditions to find out what it covers. Policies are usually quite clear about insured events. Look for benefits, excluded events, and claim limits. If you are still uncertain, contact your insurer via email or telephone. 

Include all required documentation. Many claims are delayed because they arrive without the needed documents. Submit your documents online if your insurer offers this service. It’s a quicker and more reliable way to ensure the travel insurance company receives your claim’s submission.

You’ll need a copy of your insurance policy, proof of payment, and correspondence regarding the claimed occurrence. You may also need a passport and visa. The remaining required documentation will depend on the type of travel insurance claim. 

Trip Cancellation

Submit all the documentation explaining why you had to cancel the trip. Required documents may include a doctor’s note for illness or proof of a family death. Most insurers also cover natural disasters, jury duty or court subpoenas, terrorist attacks, civil unrest, visa or passport theft and serious residential damage from flooding or fire. You will need proof of the event if you cancel for these reasons. 

You must also provide proof that you canceled the trip you are claiming. Your insurer may request that you submit any unused airline tickets. You can claim for transportation, accommodation, tours and vehicle rental up to the limits specified in your policy. 

Provide information about the amount refunded by the travel provider. You may only claim nonrefundable payments. 

Are you looking for more information about trip cancellation insurance? Here's everything you need to know . 

Trip Delay 

Postponed or canceled flights are the most likely cause of trip delays. Check your travel insurance policy to understand the benefits, limits and exclusions. Trip delay coverage takes a while to take effect. Usually, coverage kicks in between six and twelve hours. It covers extra costs incurred for transportation, meals and accommodation. Your insurance may also cover the costs of rescheduled flights, activities and events you miss because of the delay.

Insurers cap the coverage. The limits should appear in your policy. Keep all receipts resulting from trip delays. Use these receipts with airline confirmation of the delay to support your claim. 

Trip Interruption

Trip interruption differs from trip cancellation in that it occurs after your trip has started. The interruption cannot be of your own making. It must be outside of your control. An example might be an outbreak of war or a natural disaster at your destination. It also covers the death of a travel companion, medical evacuation, illness, injury and natural disasters. You will not have coverage for preexisting medical conditions. 

Trip interruption coverage will reimburse you for nonrefundable trip expenses incurred for the canceled portion of the trip. This insurance does not cover trips lasting more than 60 days . 

If you’ve had to interrupt your trip you will need proof of the reason for the cancellation. 

Baggage And Personal Effects 

Immediately report the loss or theft of personal effects. If your personal effects or baggage is stolen, you’ll need a documented police or airline report and receipts proving the value of the lost goods. 

If your goods were lost by a transport company, like an airline, you must prove that the transporter did not reimburse you for your loss. Your insurer will want a list of the bag's contents, including valuables. 

Medical Expense 

If you’re unfortunate enough to become ill while traveling and have travel health insurance , file a medical expense claim for reimbursement as soon after the event as you can. Your submitted claim must include medical reports documenting all procedures and medicines provided when under the care of medical professionals. Also, include any medical receipts or invoices received.

Submit Your Claim with Documentation Promptly

The insurance may have time limits on claims, so submit yours as soon as possible. Keep all receipts and documentation. Throw nothing away. 

What Are the Time Limits for Filing a Claim?

Your travel insurance will have a time limit for filing claims. The limits vary substantially. Most insurers stipulate a limit of between 20 and 90 days, though some may give you as much as a year to claim. 

How Long Does a Travel Insurance Claim Take?

Once you have submitted all the necessary documents, the insurance company should settle your claim in less than two weeks. Claims are generally paid by check or direct deposit. Failure to submit all the documents may cause claim settlement delays. 

What to Do if Your Travel Insurance Claim Gets Denied

You can appeal the insurance company’s decision to deny your claim, but you must follow the correct process. The company's website should provide information on how to submit an appeal. If you can’t find appeal instructions or have questions about the appeal process, contact customer service by phone or email. 

Check your travel insurance policy. Policies usually clearly state covered events. To succeed in an appeal, you must send more substantiating evidence.

What Happens After You File a Travel Insurance Claim?

Filing a claim is the first step toward receiving reimbursement. They may contact you if the insurance company needs more information or documents. Prevent delays by responding to requests for information as soon as you receive them.

Most travel insurance companies have online claims portals where you can track the status of your claim. Check from time to time to keep abreast of the process. The insurer may request information via the portal. 

Review the claim outcome on receipt and ensure it complies with the policy terms and conditions. Understand the reasons for denied claims and appeal if you have more supporting documentation. 

Compare the Best Travel Insurance Companies

If you’re looking for travel insurance, you should find an insurance company to fulfill your needs on the chart below. 

This provides a broad overview of your policy provisions and does not revise or amend the policy. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and amendments thereto. Plans are offered and disseminated by registered travel retailers on behalf of Arch Insurance Solutions Inc., a licensed travel insurance producer* (CA License #0I18111, TX License #1787195). Both the travel insurance producer and the underwriter referenced above may be reached at 1-844-872-4163. Your policy is the contract that specifically and fully describes your coverage. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions. Consumer Disclosures can be found at: https://www.roamright.com/disclosures/. Privacy policy can be found at: https://www.roamright.com/roamright-website-privacy-policy/ *Plans are solicited by licensed producers in NY and HI. 

Travel with Confidence

Travel disruptions are unpleasant, but you can alleviate the financial burden if you know what to expect. Always keep detailed records and documented proof of expenses and reasons for the claim. Understand exactly what your travel insurance policy covers, and file your claim immediately. Ensure that all the required documents accompany your claim to prevent reimbursement delays. You can’t prevent the unexpected, but you can confidently travel when you insure your trip with the right travel insurance . 

Frequently Asked Questions 

Why get travel insurance.

Travel insurance protects you financially from unexpected events that could disrupt your travel arrangements. It is mandatory for Schengen visa travelers to Europe.

Is travel insurance refundable?

Most travel insurance companies will give you a “free look period” during which you can check your terms and conditions. This period lasts between 10 and 15 days, after which the travel insurance is not refundable.

Does travel insurance cover canceled flights?

Travel insurance does cover canceled flights, but it depends on the reason for the cancellation and the terms and conditions of your travel insurance policy.

Get organized, don't be afraid to follow up: How to make your travel insurance claim go faster

What do you do if your travel insurance claim takes forever to process? Peter Hoagland had to answer that question after his payment request dragged on for months.

Hoagland, a consultant from Warrenton, Virginia, took a bucket list cruise to Alaska this summer with a land tour extension. 

"The trip was fantastic," he recalled. "But while I was on the ocean, I had a seizure. I couldn't speak for about 10 minutes. My wife and I wanted to see if it was leading to something else or if we needed to come back."

Hoagland visited the ship's infirmary, where the staff ran a few checks, concluded he was fine and presented him with a $1,000 bill. He submitted the invoice to his travel insurance company. A representative assured him it would take only a week or two to process the claim. But six weeks later, he had heard nothing.

Check out  Elliott Confidential , the newsletter the travel industry doesn't want you to read. Each issue is filled with breaking news, deep insights, and exclusive strategies for becoming a better traveler. But don't tell anyone!

Protect your family: Find the best life insurance policies of 2023

He's not alone. Travel insurance companies are backed up with claims from a busy summer and an unexpectedly active fall travel season. But you can speed up the claims process by being meticulous about your paperwork – and by being persistent. And if all else fails, you can do what Hoagland did. Below, I'll let you know how he fixed his claim.

Is travel insurance worth it?  What to know before you book your next trip

How to avoid cruising mistakes: 'People are not paying attention to final payment dates'

Record claims mean record slowdowns

"Travelers are filing claims with their travel insurance providers in record numbers," said Rajeev Shrivastava, CEO of VisitorsCoverage.com, a travel insurance marketplace. "This results in an industrywide delay in claim approvals."

That's not uncommon in a business as highly regulated as insurance, as I explain in my guide to travel insurance . And those delays could carry over into the fall and winter, according to experts.

"Travel has seen a dramatic rebound in 2022 , which is great news for the industry," said Beth Godlin, president of Aon Affinity Travel Practice. But this surge in travelers also has implications for insurance claims – which may be delayed.

Is there a way to make your travel insurance claim go faster? As a matter of fact, there is.

Ways to make your travel insurance claim move faster

You should start worrying about your claim if it had been a month since filing. Most major travel insurance companies process claims within two weeks, except for the most complicated ones. So if yours wasn't complicated, it might be stuck – or lost.

Here's how to avoid a travel insurance claim slowdown:

► Keep your receipts.

Claims get bogged down when you don't send enough information to your insurance company, said Daniel Durazo, director of external communications at Allianz Partners USA. 

"In order to process your claim quickly and accurately, travel insurance providers need all the information they require – including receipts for expenses, documentation of the cause of the cancellation or interruption and documentation of any refunds already received," he said.

That's easier said than done. During an emergency, keeping a receipt is often the last thing that crosses your mind. So when trouble hits, let your inner accountant do its thing. Take pictures of every receipt and bill. You may need them later.

► Triple-check everything.

"That's the biggest piece of advice I have," said Terry Boynton, president of Yonder Travel Insurance, a travel insurance comparison site. "Triple check you're submitting everything requested on the claim forms."

Boynton says Yonder's customers experience the longest claim delays when they don't submit everything requested on the claim forms. If a claims analyst can't process a claim because of missing documentation, the adjuster will ask for more information. But that email too often ends up in a claimant's spam folder, Boynton added. So remember to check your junk mail.

► Be a little pushy.

That's the advice of Damian Tysdal, founder of the travel insurance site CoverTrip.com. He recommends following up within a week of filing your claim to make sure the travel insurance company has everything it needs. "Being proactive can help," he said.

When a travel insurance company is overrun with claims, it's easy for one or two to fall through the cracks. You don't want that to happen to your claim. Too often, follow-up emails requesting more information can get lost in the shuffle, and that can lead to more delays. The only way to make sure your travel insurance claim is on track is to ask.

If your travel insurance company misses a self-imposed deadline, you're not being too pushy. So, for example, if a representative says you'll get a notification in 15 days and the company misses the deadline, it's OK to call. But calling once a week to "check" may be too much.

How to prevent a long travel insurance claim 

There are ways to avoid having a long claim process. One of them is to get insurance with a company that has a more automated claims processing system. For example, Allianz has a proactive payment system called SmartBenefits that can automatically track your flights and send you $100 per insured person when you experience a delay long enough to trigger a payment.

You can also choose an insurance company with a reputation for speedy claims. Faye Insurance handles its claims in-house, which accelerates the claims process, according to Jeff Rolander, the company's director of claims. 

"We respond to customers' claims submissions within 24 hours, and if all the necessary information is provided upon submission, aim to resolve the claim in 48 hours," he said.

So how did Hoagland get his claim fast-tracked? He found the email for his travel insurance company's chief claims officer on my consumer advocacy site . "She responded immediately," he said. "Within two days, I received a phone call telling me my claim was approved for the total amount."

► Understand your policy.  One of the biggest mistakes travelers make is failing to carefully read their travel insurance policy. Then they file a claim for something that isn't covered, which can lead to a long wait – followed by a rejection. "Understand what your travel insurance plan can and cannot do," advised Chiranth Nataraj, CEO of VisitorGuard.com.

► Set realistic expectations.  Even if you do everything perfectly, you still may have to wait, according to professionals. "Don't expect claims to be processed in a week or two," said Stephanie Goldberg-Glazer, owner of Live Well, Travel Often, a boutique travel agency. "It typically takes about a month or up to two months. And some companies may take even longer." Her advice: Be patient. If the claim takes longer than two months, send a polite email asking about the claim. 

► Make a checklist.  Many travel insurance claim forms are detailed, and you can't miss anything, said Tysdal of CoverTrip.com. "Create a checklist of all items they are requiring," he advised. "These will likely be electronic versions, so save them as PDF files with file names that make sense. Submit them as soon as possible."

Christopher Elliott is an author, consumer advocate, and journalist. He founded Elliott Advocacy , a nonprofit organization that helps solve consumer problems. He publishes Elliott Confidential , a travel newsletter, and the Elliott Report , a news site about customer service. If you need help with a consumer problem, you can reach him here or email him at [email protected] .

Your Trip Didn't Go As Planned? Here's How To File A Claim With Your Travel Insurance

L et's paint an all too familiar picture. You've been carefully planning that dream trip and mapping out each detail, from flights to hotels. But life, as it often does, throws a curveball. Suddenly, you're dealing with lost luggage, a non-refundable hotel room you can't use, or -- to make matters worse -- an unexpected illness.

That's when buying travel insurance comes into play, a financial safety net for unexpected trip cancellations, medical emergencies, or lost luggage. Travel insurance can make the difference between a total loss and a simple mishap while ensuring you're not left out in the cold and footing the bill.

But filing a claim with your travel insurance company can send you for a spin, especially when you're already dealing with the stress of disrupted travel plans. That's why understanding how, when, and where to file a claim when things go haywire is so important -- and might even increase your chances of getting that money back.

Filing A Travel Insurance Claim

With its fine print, novel-long contracts, and industry jargon, understanding your travel insurance policy can be daunting. Luckily, most providers are clear about what they cover and don't from the get-go. As a rule of thumb, generic travel insurance plans typically take care of baggage delays or losses, accidental death, medical emergencies, trip cancellations, and non-refundable bookings. Beyond that, more comprehensive policies like the ones by World Nomads and Allianz can also cover adventure sports, car collisions, and pre-existing conditions.

Once you've figured out if your situation qualifies within the scope of your plan, the most important thing is to file a claim quickly and efficiently. Many insurance providers impose strict deadlines -- often within 20 to 90 days of the incident, which means time is of the essence! Contact your travel insurance provider immediately after an incident to notify them and express your intention to file a claim.

Then, gather all the necessary documentation to back up what you've told them. This may include everything from medical records to police reports, receipts, confirmation emails, or any other paperwork that support your claim. After submitting your case and paperwork, you can expect to hear back from your provider within two weeks on whether or not your claim has been accepted and when you can expect to receive reimbursement.

Choosing The Right Travel Insurance Provider

When it comes to choosing a travel insurance provider, it's not as simple as picking the plan with the lowest premium. Let's face it: cheap travel insurance isn't always better, and it's worth paying a little extra to make sure you're properly being looked after. After all, peace of mind while traveling is priceless, and the right travel insurance provider can provide just that.

Using comparison tools like SquareMouth , take your time to dive deep into each policy to see what's covered and what's not, and to learn more about the insurer's reputation, their claim handling process, and the flexibility of their plans.

Lastly, don't hesitate to ask questions. If you're unsure about anything, contact the provider for clarification. At the end of the day, the right travel insurance provider won't just sell you a policy -- they'll take the time to educate and support you, so you can be confident about your coverage and jet off without a worry.

Read this next: Hotel Reservation Mistakes You Didn't Know You Were Making

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How can I appeal the decision of my travel insurance claim?

• Trawick International Travel Insurance Review

Trawick International Plans

• Trawick Travel Insurance Cost

Filing a Claim with Trawick Travel Insurance

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• Why You Should Trust Us

Trawick International Travel Insurance FAQs

Trawick travel insurance review 2024.

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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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