Plan Highlights
- Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
- Pre-Existing medical condition waiver available
- US residents traveling within the United States and abroad
- Up to $75,000 in Secondary emergency medical coverage
- Airline ticket exchange fee benefit
Pre-existing Medical Condition Exclusion Waiver
Exclusion is waived if coverage is purchased within 10 days of the initial trip deposit date, and the full, non-refundable trip cost is insured, and you are medically able to travel on the policy effective date.
10-Day Free Look
If you are not satisfied within 10 days of purchasing this plan, the administrator will refund your premium cost if you have not departed on your trip or filed a claim.
Non-Insurance and Travel Assistance Services
24-hour travel assistance services are provided by On Call International.
Benefits of Coverage
| Benefits | Maximum Benefit Amount |
|---|---|
| Trip Coverage | |
| Trip Cancellation | 100% of Trip Cost (Max $14,000) |
| Trip Interruption | 150% of Trip Cost (Max $21,000) |
| Airline Ticket Exchange Fee | $100 |
| Trip Delay | $600 ($200/day) (12 hours) |
| Missed Connection | $500 (3 hours) |
| Personal Items Coverage | |
| Baggage Coverage | $1,000 |
| Baggage Delay Coverage | $200 (12 hours) |
| Medical & AD&D Coverage | |
| Emergency Accident & Sickness Medical Expense | $75,000 |
| Emergency Evacuation & Repatriation | $350,000 |
| Accidental Death & Dismemberment Common Carrier (24 hour) | $10,000 |
| Accidental Death & Dismemberment Common Carrier (Common Carrier) | $25,000 |
| Pre-Existing Medical Condition Exclusion Waiver | Included |
| Optional Coverages | |
| Rental Car Damage Coverage (Not available in NY or TX) | $35,000 |
Not all Benefits are available in all states, please see the Plan Document for all details.
Rental Car Damage Coverage
Provides reimbursement for the cost of repairs, rental charges and/or actual cash value of the car rented by the insured while on the trip, and the car is damaged due to covered reasons* not within your control while in your possession.
*Not available in NY or TX.
Other Details
- Plan is available for purchase 15 months in advance of departure.
- Plan rates are per person and based on age of traveler at the time of enrollment.
- Rates are subject to change prior to enrollment.
- Rates listed are based on 30 days trip. For trips between 31 and 90 days, add the per day rate times number of additional days to the rate from the list to get the total premium.
Rates for AK, MO, & PA
| Trip Cost Bands | 0 - 34 | 35 - 55 | 56 - 64 | 65 - 70 | 71 - 80 | 81+ (PA only) |
|---|---|---|---|---|---|---|
| $0 | $22.84 | $27.77 | $36.00 | $44.04 | $65.79 | $128.38 |
| $1 - $500 | $33.01 | $39.64 | $52.60 | $67.16 | $97.84 | $183.15 |
| $501 - $1,000 | $34.61 | $40.44 | $53.22 | $68.52 | $96.97 | $172.55 |
| $1,001 - $1,500 | $43.80 | $51.28 | $68.63 | $90.10 | $126.94 | $223.34 |
| $1,501 - $2,000 | $55.48 | $65.76 | $89.71 | $118.53 | $167.25 | $291.92 |
| $2,001 - $2,500 | $66.06 | $78.10 | $106.83 | $142.17 | $199.82 | $347.08 |
| $2,501 - $3,000 | $77.58 | $91.48 | $125.23 | $167.17 | $233.87 | $404.10 |
| $3,001 - $3,500 | $88.44 | $104.13 | $142.79 | $191.41 | $267.29 | $460.75 |
| $3,501 - $4,000 | $100.18 | $117.80 | $161.62 | $216.99 | $302.12 | $519.00 |
| $4,001 - $4,500 | $110.73 | $130.11 | $178.77 | $240.77 | $334.98 | $574.94 |
| $4,501 - $5,000 | $122.52 | $144.09 | $198.39 | $267.40 | $371.67 | $636.44 |
| $5,001 - $5,500 | $134.49 | $158.00 | $217.36 | $293.61 | $408.21 | $701.77 |
| $5,501 - $6,000 | $145.97 | $172.76 | $239.54 | $323.83 | $452.17 | $777.74 |
| $6,001 - $6,500 | $167.46 | $197.82 | $274.61 | $373.02 | $520.79 | $896.08 |
| $6,501 - $7,000 | $181.06 | $213.64 | $296.41 | $402.30 | $560.29 | $961.26 |
| $7,001 - $8,000 | $197.62 | $232.98 | $323.43 | $439.83 | $612.21 | $1,049.70 |
| $8,001 - $9,000 | $236.11 | $277.84 | $385.46 | $523.84 | $726.21 | $1,238.80 |
| $9,001 - $10,000 | $289.07 | $339.54 | $471.06 | $643.69 | $894.15 | $1,535.88 |
| $10,001 - $11,000 | $316.06 | $371.06 | $515.11 | $704.86 | $978.78 | $1,680.02 |
| $11,001 - $12,000 | $343.09 | $402.62 | $559.22 | $766.10 | $1,063.51 | $1,824.33 |
| $12,001 - $13,000 | $370.18 | $434.26 | $603.43 | $827.49 | $1,148.45 | $1,968.98 |
| $13,001 - $14,000 | $396.86 | $465.41 | $646.97 | $887.94 | $1,232.08 | $2,111.42 |
| Per day cost for Trips 31-90 days | $4 | $6 | $7 | $10 | $12 | $18 |
Rates for all other states
| Trip Cost Bands | 0 - 34 | 35 - 55 | 56 - 64 | 65 - 70 | 71 - 80 |
|---|---|---|---|---|---|
| $0 | $15.78 | $26.77 | $33.48 | $35.20 | $51.88 |
| $1 - $500 | $22.79 | $33.48 | $41.84 | $46.46 | $69.76 |
| $501 - $1,000 | $32.82 | $48.74 | $67.69 | $72.14 | $101.38 |
| $1,001 - $1,500 | $43.00 | $63.58 | $90.19 | $91.31 | $136.48 |
| $1,501 - $2,000 | $54.46 | $81.31 | $115.53 | $136.36 | $171.57 |
| $2,001 - $2,500 | $77.40 | $113.62 | $143.91 | $163.44 | $244.69 |
| $2,501 - $3,000 | $87.91 | $130.31 | $177.35 | $197.20 | $294.40 |
| $3,001 - $3,500 | $99.37 | $146.98 | $210.80 | $230.97 | $346.07 |
| $3,501 - $4,000 | $110.85 | $162.62 | $249.31 | $269.33 | $402.62 |
| $4,001 - $4,500 | $120.58 | $178.74 | $278.23 | $298.62 | $446.06 |
| $4,501 - $5,000 | $141.42 | $207.44 | $328.36 | $348.37 | $520.57 |
| $5,001 - $5,500 | $190.36 | $281.08 | $385.02 | $411.06 | $564.56 |
| $5,501 - $6,000 | $211.03 | $311.18 | $425.82 | $470.99 | $628.53 |
| $6,001 - $6,500 | $245.57 | $361.72 | $495.58 | $544.51 | $725.28 |
| $6,501 - $7,000 | $268.50 | $395.07 | $541.19 | $599.97 | $795.48 |
| $7,001 - $8,000 | $291.61 | $430.70 | $588.43 | $647.59 | $864.48 |
| $8,001 - $9,000 | $322.45 | $476.45 | $652.44 | $652.83 | $956.55 |
| $9,001 - $10,000 | $350.35 | $518.12 | $707.72 | $719.33 | $1,039.09 |
| $10,001 - $11,000 | $556.21 | $758.47 | $925.11 | $1,039.78 | $1,554.04 |
| $11,001 - $12,000 | $591.73 | $806.20 | $983.70 | $1,105.24 | $1,651.87 |
| $12,001 - $13,000 | $723.24 | $985.99 | $1,158.50 | $1,272.08 | $1,901.40 |
| $13,001 - $14,000 | $781.09 | $1,065.36 | $1,251.48 | $1,374.16 | $2,053.44 |
| Per day cost for Trips 31-90 days | $4.60 | $6.90 | $8.05 | $11.50 | $13.80 |
| Optional Upgrades | |
|---|---|
| Rental Car Damage Coverage | $8 per day ($11 per day for AK, MO, & PA) |
Administrator
Trawick International Inc.Post Office Box 2284
Fairhope, AL 36533
Underwriter
Nationwide Mutual Insurance CompanyOne Nationwide Plaza
MR-05-10
Columbus, Ohio 43215
FOR ADDITIONAL INFORMATION
Insubuy®, LLC.4200 Mapleshade Ln, Suite 200
Plano, TX 75093
Toll Free:
+1 (866) INSUBUY
Phone:
+1 (972) 985-4400
Fax:
+1 (972) 767-4470
Website:
www.insubuy.com
Benefits listed describe all of the travel insurance benefits, underwritten by Nationwide Mutual Insurance Company. In WA coverage is underwritten by Nationwide Life Insurance Company, Columbus, Ohio and Nationwide Mutual Insurance Company, Columbus, Ohio. There are certain restrictions, exclusions and limitations that apply to all services and coverages. Plan benefits, limits, and provisions may vary by state. To review full plan details online, see the Certificate Wording. You will receive your State specific Plan Document which describes the benefits and limitations in detail including available 24-hour non-insurance emergency assistance services.
Version: 08/31/2023