The Pathway Essential plan covers up to $25,000 trip cancellation and trip interruption. Also included is $25,000 primary emergency accident and sickness medical coverage. It covers $600 for potential accommodations/lodging expenses due to trip delay and airline ticket change fee. Covers Emergency medical evacuation and repatriation. Provides secondary baggage loss and delay.

This plan offers Optional Coverages including**:

  • 24 Hour Accidental Death and Dismemberment
  • Rental Car Damage Coverage $50,000 with a $100 Deductible
  • Adventure Sports and Extreme Sports

**Additional cost and terms apply. Available options differ by state.

This plan is only available U.S. Residents. This plan is not available for travel to or in Indonesia, Lebanon, Cuba, North Korea, Palestine, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, and Russia and other OFAC or restricted countries.

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Plan Highlights

  • Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
  • Up to $25,000 of Excess medical coverage
  • COVID-19, SARS-CoV-2 are covered and treated as any other sickness
  • Optional coverage for car rental damage is available
  • Optional coverage for listed Adventure and Extreme Sports
  • Traveler Lounge Pass/Runway Health Pre-travel Medication Readiness Consultation
  • This plan is not available for travel to or in Indonesia, Lebanon, Cuba, North Korea, Palestine, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, and Russia and other OFAC or restricted countries.

Benefits of Coverage

Trip Protection Benefits
Trip Cancellation
100% of Trip Cost Insured Maximum Benefit: $25,000 | Maximum Trip Length: 90 Days
Trip Interruption
100% of Trip Cost | Maximum Benefit: $25,000
Missed Connection
Up to $250 for delays between 3 and 6 hours of all regularly scheduled airline flights
Trip Delay
Up to $600 |Per Day Limit: $150 | Minimum 12 hours delay
Additional Benefits
Optional Rental Car Damage
$50,000 | $100 Deductible- Not available in all states.
Medical Benefits
Medical Expenses
$25,000 | Deductible: $100 | Primary Coverage
  • Dental Expense Only: Up to $250
Pre-Existing Medical Condition Exclusion Waiver
This plan does not offer coverage for Pre-existing Conditions
Sports Benefits
Optional Sports Activity Coverage
Optional $5,000 Adventure Sports Medical Coverage or/and $5,000 Extreme Sports Medical Coverage
Emergency Evacuation/Repatriation Benefits
Emergency Medical Evacuation
Up to $250,000
  • 3 Days Hospitalized to trigger additional benefits, see policy for details
  • Hospital Companion up to $1,000
Repatriation of Mortal Remains
Up to $250,000
Protection for Belongings Benefits
Baggage & Personal Effects
Up to $500 per Covered Trip | Deductible: $0 | Secondary Coverage
  • Per Article Limit: $100
  • Combined Article Limit: 50% of Baggage & Personal Effects Benefit
Baggage Delay
Maximum $250 | Daily Limit of $75 | Secondary Coverage | Minimum 24 hours delay
Accidental Death Benefits
Optional 24-Hour AD&D
$10,000 Principal Sum
  • $10,000
24/7 Assistance Benefits
Non Insurance Assistance Services
Included - 24/7 Worldwide Assistance | Runway Health | Blink
Note/Message Benefits
Free Look
This plan has a Free Look period where you may cancel the insurance and receive a refund of premium provided no claim has been filed and you have not left on your trip. The number of "Free Look" days varies by state. See Plan Documents for details.

Plan Definitions

  • TRIP CANCELLATION

    The plan will reimburse you if cancellation occurs before your scheduled departure date due to unforeseen circumstances such as illness, injury, death, unannounced strike, terrorist attack, or weather causing complete cessation of all flights. Covers up to the insured maximum benefit shown on your confirmation, for the cost of your airline ticket, the reissue fee charged by the airline for the tickets or your non-refundable airfare cancellation charges for flights joining or departing your Land/Sea Arrangements. Restrictions apply. Please refer to your state sample document for a complete list of covered events and exclusions.

  • TRIP INTERRUPTION

    The plan will reimburse you up to the maximum benefit shown on the confirmation of coverage if you or your traveling companion, booked to travel with you, are prevented from continuing or resuming your trip due to unforeseen circumstances such as sickness, accidental injury, death, strike, terrorist attack, mandatory evacuation or weather.

  • TRIP DELAY

    We will reimburse you, up to the plan maximum for covered additional expenses on a one-time basis, if you are delayed for 12 or more hours, while in route to or from your trip due to a defined hazard such as delay of Common Carrier, traffic accident, weather, lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, natural disaster, civil commotion or riot.

  • BAGGAGE DELAY 

    This benefit will reimburse you for the expense of replacing necessary personal effects if your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours while on your trip.

  • BAGGAGE/PERSONAL EFFECTS 

    This benefit will reimburse you, for the loss, theft or damage to baggage and personal effects while checked with a Common Carrier during your trip. Subject to limitations and exclusions.

  • MISSED CONNECTION 

    This benefit will reimburse you if you miss your cruise or tour departure, scheduled during your Trip, that results from cancellation or delay, for twelve (12) or more hours, of all regularly scheduled airline flights due to Inclement Weather. a) additional transportation expenses needed for You to join Your Trip; b) Reasonable Expenses up to the Maximum Benefit per day shown on the Schedule of Benefits; c) pre-paid nonrefundable Payments or Deposits for the unused portion of Your Trip. Coverage is secondary to any compensation provided by a Common Carrier.

  • EMERGENCY EVACUATION & REPATRIATION OF REMAINS

    We will pay, up to the benefit maximum for any reasonable charges for Emergency Medical Evacuation for a covered injury or sickness, which is:

    • required by the physician and the assistance company
    • to the closest adequate medical facility
    • using the most direct and economical conveyance and route possible.

    All evacuations and repatriations must be arranged and authorized in advance by the Assistance Company.

  • CANCELLATION FOR REFUND DURING FREE LOOK PERIOD 

    his plan has a free look period where you may cancel the insurance and receive a refund of premium provided no claim has been filed and you have not left on your trip. FREE LOOK PERIOD~ is 14 days except in the following states: Arkansas, Arizona, Delaware, Georgia, Washington 10 day Free Look; Texas 15 day Free Look; Florida 21 day Free Look; Idaho, Indiana 30 day Free Look. After the Free Look period has expired the insured may cancel their policy, for a pro-rata refund, ONLY when the Travel Supplier has cancelled the entire trip, the trip has not started, and no claims have been filled or intend to be filed. Documentation can be submitted to: info@trawickinternational.com. When calculating the free look period, the day after purchase is counted as day 1.

    If travel has started, the premium is non-refundable.

  • OPTIONAL CAR RENTAL DAMAGE

    This benefit will reimburse you for the cost of repairs and rental charges imposed by the rental company while the car is being repaired, the actual cash value of the car or the maximum benefit. You must be a licensed driver and listed on the rental agreement in order for coverage to apply. Subject to a $100 deductible and other limitations or exclusions.