FAQs: All your COVID-19 questions answered in one place | Trawick

  • Travel Insurance for Coronavirus/COVID-19 Coverage

    Trawick International® travel insurance plans provide hard to find coverage for COVID-19. We have several plans to choose from depending on your needs and requirements.

    Coronavirus/COVID-19 will be treated the same as any other sickness for any sickness related losses while you are insured.

  • Costa Rica required travel insurance information:

    Our Safe Travels Voyager Travel Insurance Plan (https://www.trawickinternational.com/products/safe-travels-voyager) Safe Travels Explorer and Safe Travels Outbound plans meet the requirements for non-vaccinated US travelers to obtain a Health Pass to enter Costa Rica. After purchase, you will receive a confirmation via email that includes a letter showing proof of coverage limits, named insureds and the travel insurance certificate. To get a quote and to learn more about the Safe Travels Voyager Travel Insurance Policy and how it applies to your travel to Costa Rica, please visit: https://www.trawickinternational.com/travel-insurance-plans/costa-rica-required-travel-insurance.

    Our Safe Travels International and Safe Travels International Cost Saver plans underwritten by Crum and Forster, SPC meet the requirements for non-vaccinated Non-US travelers to obtain a Health Pass to enter Costa Rica. After your sale is complete, you will receive a confirmation via email that includes a letter showing proof of coverage limits, named insureds and the travel insurance certificate. To get a quote and to learn more about these plans and how it applies to your travel to Costa Rica, please visit: https://www.trawickinternational.com/travel-insurance-plans/costa-rica-required-travel-insurance.

    Is your travel destination requiring you to have travel insurance before entering the country?

    Trawick has many travel insurance plans to cover your travel needs. Our Safe Travels Voyager Travel Insurance Plan provides benefit amounts that meet the needs of those traveling to Costa Rica and many other destinations. The Safe Travels Voyager plan also includes a letter showing proof of coverage and limits. If you do not need a letter showing proof and need only to have a travel insurance policy that does not exclude COVID-19 (Coronavirus), any of our travel insurance plans should satisfy the travel insurance requirements. An email confirmation that includes your summary of benefits and travel insurance certificate will be emailed to you after purchase, listing all named insureds. Be sure to review the coverage limits on the policy you choose and verify it meets the requirements of the country you intend to travel to. If you have any questions, please contact our customer care team. To get a quote for your upcoming trip, please visit: https://www.trawickinternational.com.

    Travel Insurance Plans – include Trip Cancellation and Trip Interruption for US Citizens and US Residents while traveling within the USA or abroad

    COVID-19 Coverage provides Trip Cancellation reimbursement for unused, non-refundable insured trip cost if you are prevented from taking your trip if you or your traveling companion become sick with COVID-19 before your trip is to start and a doctor states you cannot travel.

    Trip Interruption provides reimbursement for unused, non-refundable insured trip costs if the trip is interrupted due to your becoming sick with COVID-19 while on your trip.

    Trip Delay provides coverage for transportation, meals and lodging when you are quarantined by a physician or government.  

  • Sickness Medical Coverage - The plan will also pay you to be medically treated on your trip if you become infected with COVID-19 and need treatment after your travel has started. Depending on your coverage, medical maximums range anywhere from $10,000 to $1,000,000.

    Safe Travels travel insurance plans would provide coverage in the event of an emergency evacuation or if repatriation of remains was needed. Most of these plans also cover trip cancellation and trip interruption for the bankruptcy of the travel supplier or if you are terminated or laid-off. Some plans offer trip delay coverage for COVID-19 quarantine expenses, including Safe Travels Voyager Travel Insurance Plan, which offers $2,000 for lodging expenses.

    Cancel for Any Reason “CFAR” is available to US Citizens and US Residents. It is the most popular and hard to find benefit in the market today! Good News!! This upgrade benefit is available on our Safe Travels First Class Travel Insurance Plan and Safe Travels Voyager Travel Insurance Plan. When you purchase this added benefit, you can cancel your trip for any reason not otherwise covered. For instance, if you change your mind and decide you no longer want to travel, you are scared to travel, etc. Cancel for Any Reason (CFAR) will reimburse you up to 75% of your non-refundable insured trip cost, provided you cancel the trip two (2) days or more before your scheduled departure date. CFAR is not available in MO, NY or WA.

    On Safe Travels First Class Travel Insurance Plan, you can add this coverage as long as your premium payment is received within fourteen (14) days of the date your initial deposit/payment is received by your travel supplier; and b) You insure all prepaid trip costs that are subject to cancellation penalties or restrictions and also insure within fourteen (14) days of the payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through your travel agent) added to Your Trip.

    On Safe Travels Voyager Travel Insurance Plan, the Company will reimburse you for the percentage of the pre-paid, forfeited, non-refundable Payments or Deposits You paid for Your Trip shown on the Schedule of Benefits provided: (a) Your premium is received within the 21 day period as stated in the policy; and (b) You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions, and also insure within fifteen (15) days of the payment for those arrangements, the cost of any subsequent arrangements (or any other arrangements not made through your travel agent) added before your trip.

    Travel Medical Insurance Plans

  • Travel Medical Insurance Plans provide short-term medical coverage, including medical evacuation and repatriation of remains while traveling outside your home country. These plans are available with varying levels of coverage and deductibles to meet any travelers’ requirements. Plans are available for travel outside the USA or travel to the USA.

    Our travel medical plans provide coverage if you get sick from COVID-19 after the effective date of your policy.

    Trip Interruption coverage is included on these plans should COVID -19 cause sickness or death of an immediate family member traveling with you occur, sickness or death of a traveling companion or your unforeseen illness. This benefit will provide reimbursement of the cost of a one-way economy air or ground transportation ticket up to the maximum amount in the schedule for your return to your home country.

    Travel Medical Insurance Plans for Travel Outside USA

    If you are traveling outside the USA, you can be covered if you get sick from COVID-19 as long as you are infected after the effective date of the policy. Covid-19 is treated the same as any other sickness, including doctor visits, tests, and hospital visits. Threat level warnings or declaration of a pandemic by any or all countries does not affect medical coverage.

    COVID-19 is listed as covered on the Visa Letter you receive after you apply. These travel medical insurance plans include Safe Travels Outbound and Safe Travels Outbound for US Citizens and Safe Travels International and Safe Travels International Cost Saver plans for persons who are traveling outside their country and not coming to the USA.

    Travel Medical Insurance Plans for Travel to the USA

    If you are traveling to the USA, you can be covered if you get sick from Coronavirus as long as you are infected after the effective date of the policy. Covid-19 is treated the same as any other sickness. Threat level warnings or declaration of a pandemic by any or all countries does not affect medical coverage. These plans list COVID -19 as covered on the Visa Letter you receive after applying and list it as covered in the medical section of the policy. The plans do not cover voluntary tests needed to return to your Home Country. These travel medical insurance plans include Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive. Medical maximums are anywhere from $25,000 to $1,000,000 and Deductible Choices from $0 to $5,000 depending on the requirements of the country you are visiting.

Frequently Asked Questions

Below are some general answers to questions we are receiving from customers regarding coverage under our travel protection plans:

What if my flight is delayed or canceled by the airline due to COVID-19?

For travel medical, the insurance plan can be canceled up to the day before your effective date for a full refund.

On Trip cancellation plans, if your flight is delayed or canceled, Trip Interruption, Missed Connection and Travel Delay benefits may be available. Please check your specific plan for terms and conditions or contact the claims department listed on your ID Card. 

The travel supplier has canceled my trip. Can I get a refund of the insurance premium?

You can receive a refund of the insurance premium ONLY if your travel supplier cancels the trip and provides a full refund of trip costs. You need to send an email to info@trawickinternational.com, stating that you have received a full refund and would like to cancel the insurance. Please provide a copy of the refund letter from the travel supplier stating that the travel supplier canceled the trip and documentation showing that the refund was received. Once verified, the policy would be voided, and a credit issued to the card used to make the purchase.  Notice must be received before the scheduled departure date.

If you or your travel supplier postpones your trip, you may transfer your insurance coverage to a different trip as long as those dates are no more than 18 months from the original travel dates. The new trip does not have to be to the same destination.

  • To move the coverage, please provide the following:
  • Order/Certificate Number or Policy Number:
  • Your Name:
  • Insurance Purchase Date:
  • Current Trip Dates:
  • Dates to move the coverage to:
  • Current Destination:
  • New Destination:
Can I cancel my trip if I am scared to travel?

Being cautious in these uncertain times is entirely understandable and some travelers may wish to cancel a trip based on Coronavirus fears. Fear or concern about traveling is generally not a covered reason for canceling your trip. Please get in touch with our customer support team to get details about your specific case. In most cases, you will need to have a plan with Cancel for Any Reason Coverage. If your travel protection plan includes Cancel for Any Reason benefits, you may be covered for a percentage of the loss in the form or a credit or refund based on the terms of your specific plan.

What if my flight is delayed or canceled by the airline due to COVID-19?

If your flight is delayed or canceled, Trip Interruption, Missed Connection and Trip Delay benefits may be available. Please check your specific travel protection plan for terms and conditions. Time restrictions may apply. Also, please check with your travel provider to determine your options.

I missed my flight because of the long wait time due to coronavirus screenings. Will I be covered?

Travel insurance will not cover missing flights because of the extra time spent at airport security or screenings. It is recommended that travelers arrive early to accommodate for enhanced health checks due to the Coronavirus.

Is it possible to cancel my trip because of a travel advisory or border closing?

Trip cancellation benefits are given if a covered reason is the cause of the cancellation. A Travel advisory from the State Department or other government bodies and border closings are not covered reasons on our plans.

My doctor has recommended that I do not travel. Can I cancel my trip?

If your doctor thinks you should not travel due to your age, an underlying condition, or even just to be safe, unfortunately, this is not covered unless you have Cancel for Any Reason (CFAR).

Can I get medical coverage if I get infected by Coronavirus during my trip?

If you become ill with COVID-19 while on your trip and your plan includes medical expense coverage, you may be covered for Medical Expense and Trip Interruption or Trip Delay benefits with a confirmed diagnosis, including proof of illness from a doctor or evidence that you are subject to quarantine. Please review your specific plan for the details and limits of such coverage.

If I have booked a trip that leaves at some future date and my destination is affected by COVID-19, will I receive reimbursement if I cancel my trip?

As COVID-19 currently impacts almost all destinations, coverage depends on several factors, including, but not limited to: (1) the terms of your specific travel protection plan; (2) your destination; (3) your reason for canceling; and (4) the availability of a refund or credit from you travel provider. Fear or concern about traveling is not a covered reason for canceling your trip. However, certain travel protection plans may provide coverage if you have been diagnosed with COVID-19, are under quarantine or are traveling to a destination that is currently under a CDC travel restriction. Before canceling your trip, please review the Trip Cancellation section of your plan to determine covered reasons for which you may be eligible to receive reimbursement or a refund or credit. Please check with your travel provider to see if you can cancel or reschedule your trip without incurring fees or penalties regarding potential refund, travel credit, or rescheduling options.

If my travel protection plan includes Cancel for Any Reason (CFAR) benefits and I cancel my trip, am I covered?

If your travel protection plan includes CFAR benefits, you may be covered for a percentage of the loss in the form or a credit or refund based on the terms of your specific plan. The availability of this coverage may be impacted by when you purchased your plan, the trip cost you elected to cover, and when you cancel your trip. Please refer to your plan documents for specific details as coverage may vary by state and plan.

Can I add CFAR coverage to my existing travel protection Trip Cancellation plan?

If you have an existing travel protection plan, you will not be able to add CFAR coverage to that plan at a later date. If available, CFAR coverage may generally only be included at the time of original purchase within the time-sensitive period listed in your plan. The scope and availability of CFAR coverage may also vary by state and plan.

Do any plans cover me to get a voluntary Covid-19 test or the test required to re-enter my Home Country?

No, these plans only cover if you get sick with the virus and a doctor refers you for a test.

Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage. Should you have any questions, please contact us at 888-301-9289 or email info@TrawickInternational.com.