Pathway Premium Travel Insurance
Trip cancellation up to $100,000 for US residents traveling within the US and abroad.
What is Pathway Premium travel insurance?
Pathway Premium by Trawick International is a high-tier, all-inclusive primary travel insurance plan designed for U.S. citizens traveling either within the country or abroad for trips up to 90 days. Whether you're planning a luxury vacation, a multi-country adventure, or an important business trip overseas, this premium plan delivers higher limits, broader protection, and greater flexibility for today’s discerning travelers.
Safe Travels Pathway Premium insurance includes 100% Trip Cancellation and 150% Trip Interruption, helping you recover prepaid, non-refundable trip costs if your plans are unexpectedly disrupted. It provides primary emergency medical coverage up to $100,000, ensuring faster claims processing without involving your domestic health insurer.
The plan includes a 180-day look-back period for evaluating pre-existing conditions. However, you can still receive full protection for pre-existing medical conditions if you qualify for the Pre-Existing Condition Waiver by purchasing the policy within 21 days of your initial trip deposit.
After buying the plan, Traveler can get all the plan document and plan id card by using Pathway Premium login. At American Visitor Insurance, US Travelers can contact the Pathway Premium insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Pathway Premium Insurance Reviews
Why Trawick International Pathway Premium Is a Top Choice for U.S. Travelers?
For U.S. residents especially those taking expensive trips, traveling frequently, or relying on high-deductible health plans (HDHPs) standard health insurance often doesn’t provide enough protection. Pathway Premium by Trawick International stands out as a premium primary travel insurance plan offering strong trip protection, high medical limits, and flexible benefits for modern travelers.
Top Primary Trip Cancellation Insurance for U.S. Travelers
While many travel insurance plans are secondary, Pathway Premium offers Primary coverage for several key benefits. This means Trawick pays first, without requiring you to file with your domestic insurer.
With Primary Trip Cancellation and Interruption, you enjoy:
- Faster, smoother claims.
- No delays due to domestic insurance filing.
- Quick reimbursements for covered losses.
Why choose Pathway Premium travel insurance?
- Ideal for Domestic & International Trips: Designed for travelers going abroad or taking expensive trips, the Pathway Premium plan offers broad protection for medical emergencies and trip disruptions.
- Comprehensive trip coverage: Includes reimbursement for trip cancellation, interruption, delays, missed connections, and baggage loss, helping protect your travel investment at every stage.
- 100% trip cancellation & 150% interruption coverage: Get reimbursed up to $100,000 if your trip is canceled and up to 150% of the trip cost for covered interruptions.
- Strong emergency medical benefits: Includes up to $100,000 in medical coverage, with an option to upgrade to $150,000. Also includes emergency evacuation and repatriation up to $1 million.
- Optional Cancel For Any Reason (CFAR) coverage: Offers up to 75% reimbursement of your trip cost if purchased within 21 days of initial deposit (Not available for NY residents).
- Flexible and affordable add-ons: Optional benefits include rental car damage coverage (up to $50,000), AD&D, and adventure sports (up to $10,000).
- Baggage protection included: Covers lost baggage up to $1,000 and baggage delay up to $500 to reduce out-of-pocket costs due to travel hiccups.
- 14-day free look period: Cancel within 14 days for a full refund (if no claims have been made), giving you time to review the policy in peace.
- Underwritten by trusted providers: This plan is underwritten by Technology Insurance Company or Wesco Insurance Company, both part of AmTrust Financial Services, Inc.
- Easy Access: Download your plan documents and ID card anytime through the Pathway Premium login portal.
- Customer Support: Get expert assistance from American Visitor Insurance licensed agents are available to help with quotes, plan details, and any questions you may have.
Who is eligible for Pathway Premium insurance plan?
- Available to U.S. residents traveling within the United States and abroad.
- Trip duration available up to 90 days.
- Coverage must be purchased before the start of the trip.
How much does Pathway Premium insurance cost?
The Pathway Premium insurance cost ranges from $43 to $16,261 for a 15 day trip. The cost of trip insurance is determined by factors such as the traveler’s residence, age, trip duration, total trip cost, maximum coverage selected, and any additional add-ons chosen.
For example here we are showing Pathway Premium insurance cost for a 15 days trip length and a trip cost of $1,000, $5,000, $10,000 and $25,000 respectively.
| Age of traveler | Trip cost of $1,000 | Trip cost of $25,000 | Trip cost of $50,000 | Trip cost of $100,000 |
|---|---|---|---|---|
| 0 - 20 years | $43 | $694 | $1,382 | $2,799 |
| 21 – 34 years | $50 | $817 | $1,627 | $3,295 |
| 35 – 49 years | $56 | $962 | $1,920 | $3,895 |
| 50 – 59 years | $68 | $1,232 | $2,467 | $5,013 |
| 60 – 69 years | $89 | $1,641 | $3,290 | $6,693 |
| 70 - 74 years | $125 | $2,194 | $4,385 | $8,901 |
| 75 – 79 years | $168 | $2,861 | $5,714 | $11,590 |
| 80 - 85 years | $248 | $4,038 | $8,040 | $16,261 |
Why Pathway Premium Is Ideal for U.S. Travelers With High-Deductible Health Insurance?
If you use an HDHP at home, unexpected medical bills during travel can become expensive. Pathway Premium helps reduce out-of-pocket risk with strong primary medical coverage and full trip protection, making it an excellent choice for seniors, families, business travelers, and travelers with ongoing medical needs.
Pathway Premium protects you with:- Trip Cancellation: 100% of trip cost, up to $100,000.
- Trip Interruption: 150% of trip cost.
- Primary Emergency Medical Coverage: up to $100,000.
- Emergency Medical Evacuation up to $1,000,000.
- Coverage for Optional CFAR, adventure sports coverage and IFAR.
- 14-Day Free Look Period: Cancel within 14 days for a full refund if no claims are filed, giving you time to review the policy with confidence.
What are the conditions covered under trip cancellation and trip interruption?
This plan offers several Optional Coverages including:
- Sickness, Accidental Injury, or death of You, a Family Member, or Traveling. Companion booked to travel with you or of a non-traveling Family Member.
- You or Your Traveling Companion are terminated or laid-off.
- Transfer of employment requiring Your Home to be relocated.
- Required to work during the Trip.
- Terrorist Incident.
- Approved military leave revoked or military re-assignment.
- Theft of Your or Your Traveling Companion's passports and/or visas.
- Mechanical breakdown of Your Common Carrier.
- Death or critical condition of Your cat or dog.
What are the benefits of Pathway Premium insurance?
-
Trip Cancellation help 100% of the Insured Trip Cost up to $100,000 Trip Interruption help 150% of Trip Cost up to $150,000 Reinstate Frequent Traveler Awards $250 Travel Delay (12 Hours) help $2,000 Maximum ($300/day) Missed Connection (6 Hours) help $500 Baggage and Personal Effects help $1,000 Maximum ($250/article) Baggage Delay (8 Hours) help $500 Maximum ($100/day) Emergency Accident & Sickness Medical Expense help $100,000 Dental Coverage $750 Emergency Evacuation & Repatriation help $1,000,000 Hospital Companion $1,000 Pre-Existing Conditions Coverage Included Within 21 Days of Initial Deposit Accidental Death & Dismemberment - Common Carrier help $25,000 Type of Coverage Primary -
Adventure Sports and Extreme Sports $10,000 Emergency Accident and Sickness Medical Expense help $150,000 Trip Cancellation For Any Reason (Not available for NY) help 75% of Trip Cost if purchased within 21 days of Initial Deposit Trip Interruption For Any Reason (Not available for NY) help 50% of Trip Cost if purchased within 21 days of Initial Deposit Rental Car Damage (Not available for NY) $50,000
Pathway Premium insurance - PPO network
If you have this logo on your ID Card:
You can find a provider in the USA by using the following link www.firsthealthinternational.com
Please note: there are no Pharmacies or Dental Providers listed as In-Network for First Heath PPO. All Dental Providers and Pharmacies are Out of Network and any Out of Network Deductible will apply to eligible claims.
If you have this logo on your ID Card:
You can find a provider in the USA by using the below button
Click here
Type in the zip code and then choose OPEN CHOICE PPO to search by name or provider type. You may need to contact a few to find an appointment right away.
Get quotes for Pathway Premium trip insurace!
Review and compare the best Pathway Premium Travel insurance quotes.
Compare Pathway Premium insurance quotes »Pathway Premium insurance - FAQ's
The Pathway Premium plan is ideal for travelers taking international or high-cost trips who want strong coverage for trip cancellations, medical emergencies, and optional upgrades like CFAR or adventure sports.
The Pathway Premium plan provides 100% of the trip cost (up to $100,000) for cancellations and 150% of the trip cost (up to $150,000) for interruptions due to covered reasons.
Yes, Pre-existing condition coverage available if purchased within 14 days of the initial deposit.
Yes, the Pathway Premium plan includes up to $100,000 in emergency medical coverage, with an optional upgrade to $150,000, plus $1,000,000 for emergency evacuation and repatriation of remains.
Yes. If you purchase the Pathway Premium plan within 21 days of your initial trip deposit, you can add CFAR coverage, which reimburses up to 75% of your non-refundable trip cost. (Not available for NY residents)
The Pathway Premium plan includes baggage loss coverage up to $1,000 and baggage delay coverage up to $500, helping travelers recover costs related to lost or delayed luggage.
Yes, the Pathway Premium plan offers optional rental car damage coverage up to $50,000, which can be added for extra travel protection.
Yes. The Pathway Premium plan offers optional upgrades like Cancel For Any Reason, rental car coverage, accidental death & dismemberment (AD&D), and adventure sports coverage (up to $10,000).
Yes. The Pathway Premium plan includes a 14-day free look period. You can cancel the plan for a full refund during this time if no claims have been filed.
Yes, the Pathway Premium plan covers COVID-19, treating it like any other illness. This means medically necessary testing, treatment, and hospitalization due to COVID-19 are included under the plan’s primary medical coverage up to the policy maximum.
Yes. Because it provides primary medical coverage, the plan can directly pay hospitals or medical providers for covered expenses. This reduces or eliminates the need for upfront out-of-pocket payments during emergencies.
Yes. The plan includes a 14-day Free Look Period, allowing you to request a full refund within 14 days of purchase, as long as no claims have been filed and you have not started your trip. After this period, the plan becomes non-refundable.
Yes. Even if your HDHP offers some travel-related benefits, it usually does not cover full medical evacuation, trip cancellation, cruise disruption, or emergency medical bills abroad.
Pathway Premium fills these gaps by providing primary medical coverage, emergency evacuation protection, trip cancellation/interruption benefits, and no deductible, making it reliable for both domestic and international trips.
No medical deductible means you don’t have to pay out-of-pocket before your travel insurance coverage begins. Eligible medical expenses, including emergency treatment and evacuation, are covered immediately, helping travelers avoid large unexpected costs.
How do I file a claim with Pathway Premium Insurance?
To file a claim with Pathway Premium Insurance, follow these steps:
- Download the Claims Form: Access the Pathway Premium insurance claims form online.
- Contact Customer Support: Call the toll-free number (888) 301-9289 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Co-ordinated Benefit Plans LLC on Behalf of Global Benefits Group:
- Mailing Address: Trawick International, P.O. Box 2284, Fairhope,AL 36533.
- Email Assistance: For additional help or inquiries, email info@trawickinternational.
NEED HELP?
Contact our customer service team, we are here to help you!
Summary of Pathway Premium Travel Insurance
Pathway Premium by Trawick International is a top-tier primary travel insurance plan for U.S. residents, providing robust protection for domestic and international trips up to 90 days. With up to $100,000 in primary emergency medical coverage and $1,000,000 in emergency medical evacuation, the plan delivers faster claims and stronger protection especially valuable for travelers with high-deductible health plans (HDHPs). For these travelers, unexpected medical expenses can quickly add up, but Pathway Premium offers comprehensive medical coverage with no deductible, so protection begins immediately, giving peace of mind from the moment the plan is active.
The plan also includes trip cancellation and interruption benefits, optional sports coverage, coverage for travel delays, missed connections, and lost baggage, as well as CFAR/IFAR upgrades, providing flexibility and security for both leisure and business trips.
One of key advantage is Safe Travels Pathway Premium is its Pre-Existing Condition Waiver when purchased within 21 days of the initial trip deposit, combined with a 180-day look-back period, and a 14-day free look period for full refunds (if no claims are filed). Perfect for seniors, families, luxury vacations, multi-country adventures, and complex itineraries, Pathway Premium is one of the most comprehensive plans offered by Trawick International and is available for easy comparison and purchase through American Visitor Insurance.
Compare Trawick International Travel Health Insurance Plans - Benefits, Coverage & Prices
Review quotes and coverage benefits for your needs to get the best protection for your next trip - fast and easy.