Pathway Premium Insurance

Trip cancellation up to $100,000 for US residents traveling within the US and abroad.

Pathway Premium insurance cost calculator

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What is Pathway Premium insurance?

Pathway Premium by Trawick International is a high-tier, all-inclusive travel protection and medical coverage plan designed for U.S. citizens traveling within the country or abroad for 90-day trips or less. If you're going on a lavish getaway, a trip to multiple countries, or a business expedition overseas, this premium plan offers increased coverage and increased flexibility for today’s discerning travelers.

The policy offers 100% trip cancellation and 150% trip interruption, which can assist you in recovering non-refundable costs if your travel is interrupted unexpectedly. It covers primary emergency medical up to $100,000, emergency evacuation and repatriation up to $1,000,000, and extra assistance for lost or delayed baggage, travel delays, and missed connections.

Travelers enjoy airport lounge access if flights are delayed over two hours (with pre-registration), and a pre-travel medication readiness consultation via Runway Health, offering direct access to U.S.-licensed physicians and personalized prescription kits.

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

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Insurance provider
Trawick International
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Rating
AM Rating: “A (Excellent)”
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Underwriter
Technology Insurance Company or Wesco Insurance Company
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Best for
  • U.S. residents
  • Luxury travelers

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

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 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) $500
    Baggage and Personal Effects $1,000 Maximum ($250/article)
    Baggage Delay (8 Hours) $500 Maximum ($100/day)
    Emergency Accident & Sickness Medical Expense $100,000
    Dental Coverage $750
    Emergency Evacuation & Repatriation $1,000,000
    Hospital Companion $1,000
    Pre-Existing Conditions Coverage Included Within 21 Days of Initial Deposit
    Accidental Death & Dismemberment - Common Carrier $25,000
  • Adventure Sports and Extreme Sports $10,000
    Emergency Accident and Sickness Medical Expense $150,000
    Trip Cancellation For Any Reason (Not available for NY) 75% of Trip Cost if purchased within 21 days of Initial Deposit
    Trip Interruption For Any Reason (Not available for NY) 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:
first Healthcare Provider Network
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:
aetna
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.

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Pathway Premium insurance - FAQ's

1. Who should consider purchasing the Pathway Premium plan?

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.

2. How much trip cancellation and interruption does the Pathway Premium plan cover?

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.

3. Does Pathway Premium Insurance cover pre-existing conditions?

Yes, Pre-existing condition coverage available if purchased within 14 days of the initial deposit.

4. Does the Pathway Premium plan include emergency medical benefits?

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.

5. Is Cancel For Any Reason (CFAR) available under the Pathway Premium plan?

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)

6. What baggage benefits are included with the Pathway Premium plan?

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.

7. Does the Pathway Premium plan cover rental car damage?

Yes, the Pathway Premium plan offers optional rental car damage coverage up to $50,000, which can be added for extra travel protection.

8. Are there any optional add-ons with the Pathway Premium plan?

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).

9. Can I cancel the Pathway Premium plan after purchase?

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.

How do I file a claim with Pathway Premium Insurance?

To file a claim with Pathway Premium Insurance, follow these steps:

  1. Download the Claims Form: Access the Pathway Premium insurance claims form online.
  2. Contact Customer Support: Call the toll-free number (888) 301-9289 for guidance or assistance.
  3. 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.
  4. Email Assistance: For additional help or inquiries, email info@trawickinternational.
Know more about Trawick International Claims »

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Summary of Pathway Premium insurance

  • Trip Cancellation: 100% of trip cost up to $100,000.
  • Trip Interruption: 150% of trip cost.
  • Emergency Evacuation & Repatriation: Up to $1,000,000.
  • Pre-existing Condition Coverage (if purchased within 21 days).
  • Optional Cancel For Any Reason (CFAR) and Interrupt For Any Reason (IFAR).
  • Optional Adventure & Extreme Sports Coverage.
  • Rental Car Damage Coverage up to $50,000.
  • Airport Lounge Access for 2+ hour flight delays.
  • Runway Health pre-travel medication consultation.
  • Coverage available for both domestic and international trips (up to 90 days).