📌 What Is Pathway Premium Travel Insurance?
Pathway Premium Insurance by Trawick International is a high-tier primary travel insurance plan for U.S. residents, offering comprehensive travel medical coverage, trip cancellation protection, emergency evacuation, and worldwide travel benefits for trips up to 90 days.
Top reasons to buy Pathway Premium before your trip:- 100% trip cancellation coverage reimburses prepaid, non-refundable trip costs under comprehensive travel insurance protection.
- 150% trip interruption coverage provides financial protection for unexpected travel disruptions, delays, or emergencies.
- Pre-existing condition waiver available if the policy is purchased within 21 days of the initial trip deposit.
- Worldwide travel protection suitable for international travel, cruises, vacations, and overseas business trips.
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 Should I Buy 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 the 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 Cost Per Month in 2026 ?
The Pathway Premium insurance cost ranges from $43 to $16,261 for a 15 day trip.
- Traveler’s age
- Trip Duration
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
Pathway Premium insurance - Provider network and how to find hospital or doctor?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.
🔔 Why Should I Buy Trawick International Insurance on American Visitor Insurance?
American Visitor Insurance has developed user friendly quote comparison tools to help travelers compare prices and benefits of different Trawick International insurance plans.
American Visitor Insurance also has resourceful FAQ's, Forums and Blogs based on customer needs, all of which are designed easily and make an informed decision of buying the best Trawick International insurance plan for your specific requirements.
American Visitor Insurance's licensed customer support staff with over two decades of travel insurance experience, help customers by providing answers to any queries or concerns while buying Trawick International insurance.
The customer support staff located in different time zones both in the East Coast and West Coast of the US are available at all times to help you with the online application process as well as to help customers while filing for Trawick International insurance claims should you need to use the insurance coverage while on your vacation.
Need Assistance Choosing The Right Plan?
Need help understanding your policy?
Our Customer Service team is available 24x7, putting your needs first every step of the way.
❓ Pathway Premium Insurance – FAQs
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.
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)
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. 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 Form
Get claim form online
Call Support
(888) 301-9289
Submit Documents
Mail to Trawick International, P.O. Box 2284, Fairhope,AL 36533.
Email Help
info@trawickinternational.com
📄 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 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.
