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.

Trip Cancellation and Trip Interruption Travel Protection Plans

Trip Cancellation Travel Protection Plans provides reimbursement for unused, non-refundable trip cost if you are prevented from taking your trip. Trip Interruption provides reimbursement for unused, non-refundable costs if the trip is interrupted, along with reimbursement for the additional transportation cost to return home or rejoin your trip.

Trip Cancellation and Trip Interruption will provide coverage due to a sickness or death of a traveler, traveling companion or non-traveling family member. The Coronavirus/COVID-19 will be treated as any other sickness for all illness related losses. As an example, in the event you, your traveling companion or non-traveling family member were to become ill prior to your departure date, our plans would provide reimbursement for the non-refundable trip costs. If while traveling, you or your traveling companion becomes ill, our plans would reimburse for the lost days of your trip, along with medical expenses incurred during your trip. Additionally, our plans would provide coverage in the event an emergency evacuation or if repatriation of remains were needed. Our plans also provide trip cancellation and trip interruption coverage for quarantine, bankruptcy of the travel supplier or if you are terminated or laid-off.

Cancel for Any Reason (CFAR) is the most popular and hard to find benefit in the market today! This benefit is available on our Safe Travels First Class and Safe Travels Voyager travel plans. With this benefit, you can cancel your trip for any reason. This means if change your mind and decide you no longer want to travel, change your plans, you are scared to travel, etc., Cancel for any reason will reimburse you up to 75% of your non-refundable trip cost. Additionally, we have expanded our cancel for any reason availability to 21 days from your initial deposit, giving our customers additional time to purchase this important added benefit. This enhanced benefit is available on our newest trip cancellation plan, Safe Travels Voyager.

With concerns of future pandemics, we have enhanced some of our trip cancellation plans to cover you should the United States Government issue a level four travel advisory, advising you not to travel to your destination country or region. This gives you an added level of coverage if the government advises you not to travel and you now need to seek reimbursement for your non-refundable travel expenses.

Travel Medical Protection Plans

Travel Medical Plans provide short term medical coverage including medical evacuation and repatriation of remains while you are 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 United States of America (USA) or travel to the United States of America (USA). Our travel medical plans provide coverage if you get sick from the Coronavirus if you become ill after the effective date of your policy.

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

Travel Medical Protection Plans – Travel Outside USA

If you’re traveling outside 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 illness. Threat level warnings or declaration of a pandemic by any or all countries does not affect medical coverage.

Visitors Insurance - Travel to 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 illness. Threat level warnings or declaration of a pandemic by any or all countries does not affect medical coverage.

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.

Frequently Asked Questions

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

Where can I find updated travel advisories and alerts for the Coronavirus?

The coronavirus outbreak has caused many airlines to cancel or delay flights to destinations that have been heavily affected by the epidemic. It is wise to keep up to date about health advisories and travel advisories related to your travel plans. There are several sources of travel information including the World Health Organization (WHO) and the Centers for Disease Control and Prevention (CDC). Trawick International® also has our own Coronavirus News and Updates page that consolidates both health and travel advisories in one location for easy access.

Do I have the ability to cancel my trip?

Cancelling a trip is a personal decision and should be made based on your own criteria. In order to be considered for benefits your cancellation must fall under a “covered reason”. Certain travel protection plans may provide coverage if you have been diagnosed with COVID-19, or are under quarantine.

Prior to 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 and regarding potential refund, travel credit, or rescheduling options.

Can I cancel my trip if I am scared to travel?

Being cautious in these uncertain times is completely understandable and some travelers may wish to cancel trip based on Coronavirus fears. Fear or concern of traveling is generally not a covered reason for cancelling 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 cancelled by the airline due to COVID-19?

If your flight is delayed or cancelled, Trip Interruption, Missed Connection and Travel 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 long wait time due to coronavirus screenings. Will I be covered?

Travel insurance will not cover missing flights because of 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?

Trip cancellation benefits are given if a covered reason is the cause of the cancellation. Travel advisory from the State Department or other government bodies are not covered reasons.

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

If your doctor thinks you shouldn’t travel due to your age, an underlying condition, or even just to be safe, this unfortunately is not covered unless you have CFAR insurance policy.

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 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 almost all destinations are currently impacted by COVID-19, coverage depends on a number of factors, including, but not limited to: (1) the terms of your specific travel protection plan; (2) your destination; (3) your reason for cancelling; and (4) the availability of a refund or credit from you travel provider.
Fear or concern of traveling is generally not a covered reason for cancelling 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.
Prior to 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 and regarding potential refund, travel credit, or rescheduling options.

If I rebook my trip for a later date, will my original travel protection plan cover the rebooked trip dates?

If you postpone your trip due to COVID-19, your current travel protection plan may extend to your new trip dates provided:
The new trip dates are no more than 18 months from your original trip dates.
Additional costs, if required based on the new or postponed trip, will be collected. Plan costs will not be reduced or refunded for coverage for the new or postponed trip.

If my travel protection plan includes 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 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. Scope and availability of CFAR coverage may also vary by state and plan.

fall foliage

Travel Is On The Uptick So Make Sure You Have The Right Coverage When Traveling

The travel industry has been one of the hardest-hit sectors during the COVID-19 pandemic. Travel incurred a significant decline to its annual performance because of numerous domestic and international travel restrictions implemented during the spring to curb the spread of COVID-19 during the height of the pandemic. As reported by the Transportation Security Administration (TSA) on April 14, 2020, only 87,534 travelers passed through TSA security checkpoints. On April 14, 2019, over 2.2 million passed through them. That is over 2.1 million fewer travelers. April 14th of this year saw the fewest travelers during the pandemic.

Over the past few months, TSA has seen a significant increase in travel. TSA Reported on September 4, 2020, that over 968 thousand travelers went through security checkpoints and on September 7, 2020, over 935 thousand travelers checked in at TSA security. These two days marked the first time since the pandemic occurred that the TSA has seen over 900 thousand travelers. These two days were the Friday and Monday of Labor Day weekend. Looking at the TSA checkpoint travel numbers for 2020 and 2019 indicates that far fewer travelers are embarking on trips, which is the bad news, but over the last few months, more and more travelers have started to travel.

With travel restrictions being eased for domestic and international trips, we should see a continued rise in travelers willing to fly. Travel destinations have started to offer an increase in vacation offerings and less strict COVID-19 travel regulations. For example, the Dominican Republic announced that it would no longer require tourists to present a negative COVID-10 test to enter the country. Mexico has announced that they are reopening the Mayan ruins to tourists for the first time since the pandemic began and many states across the nation continue to lift travel restrictions on interstate travel.

For travelers wanting to go on a vacation this fall season, we at Trawick International want to make sure that they are fully protected to travel and have the best possible travel coverage. That is why we offer different types of plans that cover COVID-19. Our policies will treat COVID-19 as any other sickness for all illness-related losses.

As an example, in the event you, your traveling companion or a non-traveling family member were to become ill before your departure date, our plans would provide reimbursement for the prepaid, non-refundable trip costs. If, while traveling, you or your traveling companion becomes sick, our plans would reimburse for the lost days of your trip, along with medical expenses incurred during your trip. Additionally, our plans would provide coverage in the event of an emergency evacuation or if repatriation of remains was needed.

We highly recommend purchasing Cancel for Any Reason (CFAR) coverage. This benefit is available on our Safe Travels First Class and Safe Travels Voyager travel plans. With this benefit, you can cancel your trip for any reason and we will reimburse you up to 75% of your prepaid, non-refundable trip cost. Check out our COVID-19 FAQ Page for more information about how Trawick International travel insurance covers COVID-19.

Cancel for Any Reason Travel Insurance Covid. Open Road New Zealand.

Cancel for Any Reason Travel Insurance Benefit Provides Enhanced Protection Against COVID-19

With the ongoing pandemic, many travelers are choosing to protect their vacation investments by purchasing travel insurance.  According to a AAA Travel survey, nearly 4 in 10 Americans are likely to buy travel insurance for future trips. For those travelers, trip cancellation protection is the most valuable benefit, with 9 in 10 of those likely to buy the coverage.

Trip cancellation insurance protects the covered expenses in case of many unforeseen circumstances.  For a fraction of the trip cost, you can mitigate the risk of losing your investment if something unexpected occurs. Many travelers have not purchased this coverage in the past but with COVID-19 causing massive disruption to our lives.  Many travelers are looking for trip cancellation protection that covers COVID-19 related losses.  So please make sure to review the policy before you purchase it and make sure it covers COVID-19 because not all trip cancellation plans offered by travel insurance providers cover COVID-19.

An added benefit of trip cancellation insurance is the Cancel for Any Reason (CFAR) option. With this option, travelers can cancel their trip and be reimbursed for a percentage of the loss based on the terms of the specific plan. The availability of CFAR benefits may be impacted by when it was purchased, the trip cost and when the trip was canceled.  One thing to note is this policy can only be used if the traveler or travelers do not go on their vacation.  The CFAR benefit is one of the hardest coverage options to obtain today.  Many travel insurance providers are not offering this benefit with their trip cancellation insurance because of COVID-19 and the uncertainty that it’s causing.

Trawick International is one of the few providers offering CFAR.  We offer it on our Safe Travels First Class and Safe Travels Voyager Trip Protection Plans.  Our CFAR coverage provides partial reimbursement of up to 75% of the insured prepaid, non-refundable trip costs when you cancel your trip for a reason not listed on the policy.  Please note that CFAR is a time-sensitive option and must be purchased within the time frame listed on the plan.  Our CFAR option requires you to insure your entire trip cost. To use our CFAR option, you must cancel your trip in its entirety, at least two days before your scheduled departure date.

To find out more about Trawick International’s CFAR options and how we cover COVID-19, please visit our COVID-19 FAQ page.


Founded in 1998, Trawick International is a full-service travel insurance provider specializing in protecting travelers of all types worldwide. We offer various travel insurance plans designed specifically by types of coverage, including comprehensive travel protection insurance, international travel medical insurance, visitor’s insurance, and international student insurance. Our company's mission is to deliver superior travel and medical insurance products that offer the best 24/7 emergency assistance services available. To become a Trawick International partner, call 888-301-9289 or email info@trawickinternational.com.

Holiday Travel Insurance

Just like most of 2020, the holiday travel season will be disrupted by COVID-19.  In years past, holiday travel is one of the busiest times of the year, with millions of people traveling via planes, trains, buses, and cars to see their loved ones.  This year many people are unsure if they will travel for the holiday season because of COVID-19.

The Centers for Disease Control and Prevention (CDC) warns that travel increases your chance of getting and spreading the COVID-19 virus.  So if you are looking to travel this holiday season, you need to take enhanced precautions before traveling.  A recent Washington Post article provides some useful tips to take before traveling this holiday season.  Below are some of the best travel tips from the article:

  1. If you’re traveling with children, be aware of the latest CDC guidelines and travel company policies.  The CDC recommends masks for children two years of age and older.  The mask policies of major airlines follow this guidance, and recent incidents of children and their parents being removed from planes have illustrated how strictly they are being enforced.

  1. If you’re getting behind the wheel for your trip, pack with the pandemic in mind.  Stock your vehicle with face masks, disinfecting wipes, and hand sanitizer that contains at least 60 percent alcohol.  Don’t rely on picking up supplies during the trip since there is no guarantee they will be in stock wherever you’re headed or passing through.

  1. Airbnb responded to the pandemic by launching an Enhanced Cleaning Initiative for hosts, including new cleaning and sanitizing protocols.  To earn an “Enhanced Clean” certification, hosts must follow a detailed five-step cleaning process, including providing guests with cleaning supplies.  Look for the “Enhanced Clean” highlight on listings when deciding on a rental.  There are individual sanitation steps you can take as well.  Nasia Safdar, the medical director of infection control at the University of Wisconsin Hospital and Clinics, recommends wiping down surfaces with disinfecting wipes.  Consider cleaning the other items you have brought with you into the rental, too, such as phones, computers, and luggage.

  1. If you’re flying with luggage during the pandemic, health experts recommend carrying on instead of checking a bag.  Not only are you able to better control who touches the bag, but you will bypass potentially crowded luggage carousels.

  1. Coronavirus tests are at the top of pre-trip checklists these days, and they’re an advisable step toward traveling as safely as possible during the holidays.  Two kinds of tests exist to look for active infections.  There are various places offering coronavirus testing, including urgent care centers, travel clinics, fire stations, pop-up sites, pharmacies, and most hospitals.

We at Trawick International want everyone to have the best possible holiday experience they can have, because frankly, after this year, we all deserve it.  That is why we highly recommend travelers purchase a travel cancellation insurance policy that covers COVID-19 related losses.  Please note that not all travel cancellation insurance policies cover COVID-19.  Please make sure the policy you purchase does.  Check out our COVID-19 FAQ Page for more information about how Trawick International travel insurance covers COVID-19.