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 $150,000 in Secondary emergency medical coverage
- Cancel for Any Reason available in most states
- Property Damage coverage available for accommodations
- Rates for AK, MO, and PA and all other state rates are listed below
Property Damage
Provides reimbursement for direct physical damage to covered real or personal property within the unit occupied by the insured during the trip.
Cancel for Any Reason
Provides reimbursement for the percentage of the prepaid, non-refundable, forfeited payments you paid for your trip, if you cancel your trip for any reason not otherwise covered by this policy. Must be purchased with initial policy and within 14 days of the trip deposit date, and the full, non-refundable trip cost is insured.
*Not available in NY and WA.
Pre-existing Medical Condition Exclusion Waiver
Exclusion is waived if coverage is purchased within 14 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 $15,000) |
| Trip Interruption | 150% of Trip Cost (Max $22,500) |
| Trip Delay | $1,000 (12 hours) |
| Missed Connection | $1,000 (3 hours) |
| Personal Items Coverage | |
| Baggage Coverage | $2,000 |
| Baggage Delay Coverage | $400 (12 hours) |
| Property Damage | $5,000 |
| Medical & AD&D Coverage | |
| Emergency Accident & Sickness Medical Expense | $150,000 |
| Emergency Evacuation & Repatriation | $1,000,000 |
| 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 Upgrades | |
| Cancel for Any Reason | 75% of non-refundable trip cost |
| Rental Car Damage Coverage (Not available in NY or TX) | $50,000 |
Not all Benefits are available in all states, please see the Plan Document for all details.
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 total premium.
- Maximum trip length for ages 80+ is 30 days.
Rates for AK, MO, & PA
| Trip Cost Bands | 0 - 34 | 35 - 55 | 56 - 64 | 65 - 70 | 71 - 80 | 81+ |
|---|---|---|---|---|---|---|
| $0 | $38.14 | $43.38 | $52.21 | $60.22 | $82.76 | $144.23 |
| $1-$500 | $47.26 | $54.03 | $67.10 | $80.95 | $111.51 | $193.38 |
| $501-$1,000 | $48.46 | $54.27 | $66.78 | $81.06 | $108.82 | $180.15 |
| $1,001-$1,500 | $56.59 | $63.88 | $80.50 | $100.31 | $135.59 | $225.57 |
| $1,501-$2,000 | $67.96 | $78.04 | $101.05 | $127.61 | $174.09 | $290.48 |
| $2,001-$2,500 | $77.57 | $89.23 | $116.51 | $148.91 | $203.41 | $340.07 |
| $2,501-$3,000 | $88.82 | $102.25 | $134.20 | $172.52 | $235.13 | $392.42 |
| $3,001-$3,500 | $98.67 | $113.73 | $150.06 | $194.37 | $265.22 | $443.35 |
| $3,501-$4,000 | $110.10 | $126.98 | $168.12 | $218.47 | $297.62 | $496.78 |
| $4,001-$4,500 | $119.64 | $138.12 | $183.58 | $239.88 | $327.19 | $547.05 |
| $4,501-$5,000 | $130.71 | $151.27 | $201.93 | $264.55 | $361.01 | $603.40 |
| $5,001-$5,500 | $141.64 | $163.95 | $219.14 | $288.26 | $394.05 | $662.49 |
| $5,501-$6,000 | $152.07 | $177.59 | $239.87 | $316.45 | $435.37 | $734.08 |
| $6,001-$6,500 | $171.35 | $200.07 | $271.35 | $360.60 | $496.96 | $840.31 |
| $6,501-$7,000 | $184.73 | $215.58 | $292.48 | $388.44 | $533.97 | $900.37 |
| $7,001-$8,000 | $199.58 | $232.92 | $316.71 | $422.10 | $580.55 | $979.73 |
| $8,001-$9,000 | $235.75 | $274.97 | $374.51 | $499.61 | $684.96 | $1,151.52 |
| $9,001-$10,000 | $283.39 | $330.46 | $451.47 | $607.38 | $836.02 | $1,419.05 |
| $10,001-$11,000 | $307.59 | $358.72 | $490.97 | $662.24 | $911.93 | $1,548.38 |
| $11,001-$12,000 | $331.82 | $387.02 | $530.52 | $717.16 | $987.94 | $1,677.86 |
| $12,001-$13,000 | $356.11 | $415.38 | $570.16 | $772.22 | $1,064.12 | $1,807.66 |
| $13,001-$14,000 | $380.03 | $443.31 | $609.19 | $826.43 | $1,139.14 | $1,935.46 |
| $14,001-$15,000 | $401.85 | $469.46 | $646.29 | $878.24 | $1,209.60 | $2,057.98 |
| Per day cost for Trips 31-90 days | $7 | $8 | $9 | $11 | $12 | $26 (PA Only) |
Rates for all other states
| Trip Cost Bands | 0 - 34 | 35 - 55 | 56 - 64 | 65 - 70 | 71 - 80 | 81+ |
|---|---|---|---|---|---|---|
| $0 | $34.09 | $48.99 | $55.46 | $56.75 | $85.48 | $150.11 |
| $1-$500 | $38.25 | $51.15 | $59.33 | $65.49 | $98.45 | $150.57 |
| $501-$1,000 | $48.77 | $64.66 | $82.35 | $85.30 | $127.41 | $201.72 |
| $1,001-$1,500 | $60.67 | $81.31 | $104.06 | $110.09 | $163.62 | $260.99 |
| $1,501-$2,000 | $76.43 | $102.15 | $132.93 | $139.82 | $208.48 | $336.70 |
| $2,001-$2,500 | $99.41 | $132.77 | $157.14 | $186.31 | $277.69 | $472.27 |
| $2,501-$3,000 | $108.27 | $145.71 | $183.36 | $215.17 | $320.94 | $537.53 |
| $3,001-$3,500 | $123.51 | $167.22 | $221.28 | $256.67 | $383.09 | $636.44 |
| $3,501-$4,000 | $133.96 | $179.94 | $254.46 | $291.01 | $433.45 | $720.76 |
| $4,001-$4,500 | $145.36 | $196.90 | $283.36 | $322.13 | $480.67 | $787.60 |
| $4,501-$5,000 | $165.49 | $224.68 | $328.35 | $371.80 | $554.74 | $903.68 |
| $5,001-$5,500 | $230.48 | $312.72 | $399.36 | $419.60 | $626.42 | $1,048.20 |
| $5,501-$6,000 | $250.56 | $243.23 | $434.78 | $459.21 | $684.32 | $1,134.11 |
| $6,001-$6,500 | $277.04 | $375.10 | $481.41 | $507.22 | $756.09 | $1,255.24 |
| $6,501-$7,000 | $297.49 | $405.54 | $519.62 | $548.40 | $817.89 | $1,356.01 |
| $7,001-$8,000 | $332.94 | $453.33 | $579.16 | $611.81 | $965.32 | $1,515.09 |
| $8,001-$9,000 | $369.70 | $503.08 | $645.79 | $682.00 | $1,016.99 | $1,689.40 |
| $9,001-$10,000 | $411.64 | $561.17 | $718.96 | $760.45 | $1,134.14 | $1,887.29 |
| $10,001-$11,000 | $684.78 | $863.12 | $992.68 | $1,197.50 | $1,784.60 | $2,549.73 |
| $11,001-$12,000 | $748.81 | $943.38 | $1,084.48 | $1,309.34 | $1,952.44 | $2,789.49 |
| $12,001-$13,000 | $781.90 | $976.71 | $1,178.60 | $1,619.58 | $1,905.60 | $2,785.78 |
| $13,001-$14,000 | $843.00 | $1,052.86 | $1,271.58 | $1,747.98 | $2,056.13 | $3,006.27 |
| $14,001-$15,000 | $904.10 | $1,129.90 | $1,364.56 | $1,875.49 | $2,206.67 | $3,227.65 |
| Per day cost for Trips 31-90 days | $8.05 | $9.20 | $10.35 | $12.65 | $3.80 | N/A |
| Optional Upgrades | |
|---|---|
| Cancel for Any Reason | 1.7 x the plan costs listed above |
| Rental Car Damage Coverage | $10 per day - Not Available in NY or TX ($14 for AK, MO, and 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
SHMedics Pvt. LtdH.I.G 131, H.B Colony, Bhavanipuram
Vijayawada, Andhra Pradesh 520012
India
Phone: +91-9963274631
Website: shmedics.brokersnexus.com
Benefits listed describe all of the travel insurance benefits, underwritten by Nationwide Mutual Insurance Company. 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 a Certificate of Insurance depending on your state of residence which describes the benefits and limitations in detail as well as the 24-hour emergency assistance services and for your state of residence.
Version: 08/31/2023