What is Pathway Essential insurance?
Pathway Essential Travel Insurance is an economical and comprehensive travel insurance plan designed for U.S. residents traveling within the United States. It provides 100% coverage for trip cancellation and interruption up to $25,000, along with protection for travel delays, missed connections, baggage loss, and baggage delay. In addition to trip protection, this plan also includes essential medical benefits such as emergency accident and sickness coverage, dental treatment, emergency evacuation, and repatriation of remains.
Optional benefits like rental car damage and accidental death & dismemberment (AD&D) can also be added. This plan is ideal for travelers looking for a budget-friendly solution that combines both travel and basic medical coverage for domestic trips.
After buying the plan, Traveler can get all the plan document and plan id card by using Pathway Essential login. At American Visitor Insurance, US Travelers can contact the Pathway Essential insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Pathway Essential Insurance Reviews
Why choose Pathway Essential travel insurance?
- Includes both trip protection and medical coverage: This plan offers dual protection by covering both trip-related issues like cancellations and delays, as well as essential medical benefits including emergency treatment, evacuation, and repatriation.
- Covers U.S. and International travel: While primarily designed for domestic travel, the plan also offers limited international coverage, providing added flexibility for nearby international trips.
- Trip cost up to $25,000: The plan covers prepaid trip expenses up to $25,000, making it suitable for domestic vacations, cruises, or guided tours within the United States.
- Optional adventure & sports coverage: Optional coverage is available for adventure and extreme sports, providing added protection for travelers engaging in high-risk recreational activities.
- 14-day free look period: This plan also includes a 14-day free look period, allowing travelers to review the policy and cancel for a full refund if no claims have been made offering peace of mind before the trip begins.
- Optional add-on benefits for more protection: Choose to add rental car damage (up to $50,000) and accidental death & dismemberment (AD&D) coverage to enhance your protection.
- Underwritten by trusted providers: This plan is underwritten by either Technology Insurance Company or Wesco Insurance Company, both members of AmTrust Financial Services, Inc.
- Easy Access: Download your plan documents and ID card anytime through the Pathway Essential 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 Essential insurance plan?
- Available to U.S. residents for trips taken within the United States or internationally
- Coverage available from 14 days to 85 years.
- Trip duration must be 90 days or less.
- Coverage must be purchased before the start of the trip.
How much does Pathway Essential Insurance cost?
The Pathway Essential insurance cost ranges from $25 to $3,051 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 Essential 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 $5,000 | Trip cost of $10,000 | Trip cost of $25,000 |
|---|---|---|---|---|
| 0 - 20 years | $24 | $95 | $203 | $527 |
| 21 – 34 years | $28 | $112 | $239 | $615 |
| 35 – 49 years | $33 | $130 | $280 | $728 |
| 50 – 59 years | $40 | $165 | $358 | $917 |
| 60 – 69 years | $53 | $219 | $476 | $1,230 |
| 70 - 74 years | $76 | $295 | $638 | $1,645 |
| 75 – 79 years | $103 | $387 | $836 | $2,160 |
| 80 - 85 years | $152 | $551 | $1,185 | $3,051 |
What are the benefits of Pathway Essential insurance?
-
Trip Cancellation help 100% of Trip Cost up to $25,000 Trip Interruption help 100% of Trip Cost up to $25,000 Travel Delay help $600/$150 day/12 Hour Delay Missed Connection $250 for delays of 6 hours or more Baggage Coverage $500($100 per article) Baggage Delay Coverage help $250 ($75 daily) 24 hours Emergency Accident & Sickness Medical Expense help $25,000 Dental Coverage $250 Emergency Evacuation & Repatriation $250,000 Coverage Type Primary -
Accidental Death & Dismemberment $10,000 Rental Car Damage (Not available for NY) Up to $50,000 Adventure sports and extreme sports $5,000
What are the conditions covered under trip cancellation and trip interruption?
- 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
- Weather at departure causing complete cessation of common carrier services
- Natural disaster at your destination that renders your accommodations uninhabitable
- NOAA hurricane warning or watch at destination.
- A terrorist incident.
- Approved military leave revoked or military reassignment
- Directly involved in a traffic accident en route to departure
- Mechanical breakdown of the common carrier.
- Hijacked, quarantined, required to serve on a jury, or subpoenaed
What type of medical network is used in the Pathway Essential plan?
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.
Pathway Essential trip protection insurance - FAQ's
Pathway Essential is an affordable travel insurance plan offered by Trawick International for U.S. residents. It provides essential coverage including trip cancellation, trip interruption, baggage protection, and emergency medical benefits for domestic and limited international travel.
The Pathway Essential plan is available to U.S. residents taking trips within the United States or abroad, provided the trip duration is 90 days or less.
Yes, the Pathway Essential plan includes up to $25,000 in emergency accident and sickness coverage, along with benefits for dental treatment, emergency evacuation, and repatriation of remains.
Yes, you may cancel the Pathway Essential plan within the 14-day free look period for a full refund, as long as no claims have been filed and the trip hasn’t started.
Rental car damage is an optional benefit available with the Pathway Essential plan. However, it is not offered in certain states like New York and must be selected at the time of purchase.
Yes, the Pathway Essential plan includes baggage loss coverage (up to $500) and baggage delay coverage (up to $250 after 24 hours), helping travelers recover costs for lost or delayed items.
Yes. Pathway Essential trip protection insurance covers optional coverage for adventure and extreme sports up to $5,000.
Yes. If your flight is delayed by more than 2 hours, the Pathway Essential plan provides access to a Traveler Lounge Pass, provided you registered your flight at TravelerLoungePass.com at least 24 hours in advance.
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What are the restrictions of Pathway Essential trip insurance?
This plan is not available for travel to or in Lebanon, Cuba, North Korea, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, Russia as well as other restricted countries worldwide.
How do I file a claim with Pathway Essential Insurance?
To file a claim with Pathway Essential Insurance, follow these steps:
- Download the Claims Form: Access the Pathway Essential 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.
Summary of Pathway Essential insurance
Pathway Essential is a comprehensive and budget-friendly travel insurance plan offered by Trawick International for U.S. residents. It provides coverage for trip cancellation and interruption (up to $25,000), travel delays, missed connections, baggage loss/delay, and includes emergency medical coverage—a key benefit that sets it apart from many domestic-only plans.
The plan also offers optional add-ons such as rental car damage, accidental death & dismemberment (AD&D), and adventure sports coverage, giving travelers flexibility based on their trip needs. A 14-day free look period allows cancellation for a full refund if no claims are filed and travel hasn’t started.
Ideal for travelers seeking both trip protection and medical benefits for travel within the U.S. or limited international destinations, Pathway Essential combines strong benefits with affordability.