verified Underwritten by - Trawick International

Trawick International Stay Secure Vacation Rental Insurance

Protect your non-refundable Airbnb, Vrbo, or vacation rental stay with coverage up to $200,000. Stay Secure combines trip cancellation, trip interruption, optional Cancel for Any Reason (CFAR), and emergency medical protection in one plan - built specifically for vacation rental travelers.

From $73 /15 days trip
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$200,000
Trip Cancellation
180 days
Max Trip Length
A (Excellent)
AM Best Rating
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Quick Facts
Trip Cancellation & Interruption up to $200,000
Optional Cancel & Interrupt for Any Reason (CFAR/IFAR)
Emergency Medical Evacuation is covered up to $1,000,000
$35,000 Rental Car Damage & Theft Coverage
COVID-19 covered the same as any other sickness
Optional coverage for adventure and extreme sports
Pre-existing coverage available before final payment
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What Is Stay Secure Vacation Rental Insurance?

Stay Secure Vacation Rental Insurance is a comprehensive trip protection plan from Trawick International, designed specifically for travelers who book vacation homes, cabins, condos, and other short-term rental properties - whether through Airbnb, Vrbo, Vacasa, or an independent rental owner.

Unlike a generic travel insurance policy, Stay Secure is built around how vacation rental travel actually works: large upfront deposits, strict non-refundable cancellation policies, and the real risk of losing your entire rental payment if something unexpected happens before or during your trip. It acts as vacation rental cancellation insurance that reimburses up to $200,000 in non-refundable rental costs and other prepaid arrangements - including airfare and hotel stays - if you must cancel or cut your trip short for a covered reason.

The plan also includes optional Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) coverage for situations outside the standard list of covered events, giving you the most flexibility available in a vacation rental travel insurance plan.

Stay Secure is available to US Citizens and US Residents for trips within the United States or internationally. Plans may be purchased up to 24 months before departure and cover trips up to 180 days in length.

After purchasing, you can access all policy documents and your plan ID card through the Stay Secure Vacation Rental login (Client Zone). Our licensed agents at American Visitor Insurance are available to help with plan details, quotes, and any questions.

Who Can Apply

Eligibility Requirements

Stay Secure is designed for US residents heading out on a vacation rental trip domestically or internationally. Here's a quick overview of who qualifies and any restrictions.

Who Is Eligible?
  • US Citizens and US Residents traveling within the United States or internationally
  • Booking a non-refundable or strict-cancellation rental property
  • Traveling within the U.S. or internationally for up to 180 days
  • Purchasing your plan before departure (up to 24 months in advance)
  • Traveling with pets, golf trips, or rental cars and want broader protection
  • Looking for optional Cancel for Any Reason flexibility
Restrictions & Exclusions
  • Not available for travel to Lebanon, Cuba, North Korea, Palestine, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, Russia, and other OFAC or restricted countries
  • Israel: underwriters consider Israel an active war situation - losses due to this are excluded. CFAR not available for travel to or including Israel.
  • CFAR not available to New York state residents
  • Some unique benefits (pet medical, vehicle disablement, lost golf rounds, kennel fees, adventure sports) not available to residents of MA, MN, MO, MT, NY, OR, and/or WA - check plan documents for state-specific details
  • Pre-existing condition waiver requires purchase prior to or with final trip payment
Key Highlights

Stay Secure Vacation Rental Plan Key Highlights

Coverage designed around how people actually book and travel today - built for vacation rental stays, not just hotels.

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Vacation Rental Protection

Reimburses your non-refundable vacation rental cost if your trip is cancelled or cut short for a covered reason, including illness, injury, severe weather, or mandatory evacuation.

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Cancel & Interrupt for Any Reason

Optional CFAR/IFAR coverage available when purchased within 21 days of your initial trip deposit, letting you cancel for reasons beyond the standard covered list.

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Emergency Medical Coverage

$50,000 per person in emergency accident and sickness medical coverage, with a $500,000 per-trip maximum, so you're not paying out of pocket if you get sick or injured.

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COVID-19 Coverage Included

COVID-19 and SARS-CoV-2 are treated the same as any other covered sickness under this plan - no separate exclusions or carve-outs.

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Rental Car Damage Coverage

Up to $35,000 in optional rental car damage and theft protection, plus a separate $1,000 vehicle disablement benefit if your ride home gets complicated.

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Pet Medical & Kennel Fees

Because pets travel too - this plan includes pet medical expense coverage and kennel fee reimbursement if your travel plans change unexpectedly.

What it covers

Does Stay Secure Cover Airbnb, Vrbo, and Other Rental Platforms?

Yes. Stay Secure covers non-refundable bookings made through any short-term rental platform or directly with a property owner. Whether you booked through Airbnb, Vrbo, Vacasa, or another service, the plan reimburses your non-refundable costs if you have to cancel or cut your trip short for a covered reason. This matters because platform-provided protections have significant limits:

  • check_circleAirbnb AirCover protects hosts, not guests, from most financial losses. Guest refund policies depend on the individual host's cancellation setting - many are strict or non-refundable.
  • check_circleVrbo's Book with Confidence Guarantee is primarily a rebooking guarantee if a listing is misrepresented, not a general cancellation reimbursement policy.

Stay Secure fills this gap, reimbursing up to $200,000 in non-refundable costs when you cancel for a covered reason - such as illness, injury, a family emergency, severe weather, or a mandatory evacuation order. Optional Cancel for Any Reason (CFAR) coverage extends protection to situations outside the standard covered events list, including last-minute change of plans.

Benefits

What Are the Benefits of Stay Secure Vacation Rental Insurance Plan?

Trip Cancellation help 100% of Trip Cost up to $200,000
Trip Interruption help 150% of Trip Cost up to $200,000
Airline Reissue or Cancellation Fees Up to $500
Reinstate Frequent Traveler Awards Up to $500
Trip Delay (5 Hours) help $7,500 Maximum ($750 Per Person)- No Per Day Limit
Kennel Fees at Home* $500
Lost Golf Rounds* $300
Emergency Accident and Sickness Medical Expense help $50,000 Per Person/ $500,000 Policy Maximum
Dental Expenses $1,000 Per Person
Emergency Evacuation $1,000,000
Hospital Companion Up to $2,500
Repatriation of Remains help $1,000,000
Pet Medical Expenses $1,000
Adventure Sports and Extreme Sports*** Optional
Accidental Death & Dismemberment - Common Carrier help $100,000
Accidental Death & Dismemberment $50,000
Rental Car Damage** $35,000
Vehicle Disablement* $1,000
Trip Cancellation For Any Reason** help 75% of Trip Cost if purchased within 21 days of Initial Deposit
Trip Interruption For Any Reason** help 50% of Trip Cost if purchased within 21 days of Initial Deposit
Baggage and Personal Effects help $2,000 Per Person/ $20,000 Policy Max (No Per Article Limit)
Baggage Delay (12 Hours) help $1,000 Per Person/ $10,000 (No Per Day Limit)
Sports Equipment Rental $1,250 Per Person/ $12,500 Policy Max

*Not Available in MA, MN, MO, MT, NY, OR, & WA

**Not Available for NY

***Additional cost and terms apply

Is Vacation Rental Insurance Worth It?

For most travelers with non-refundable bookings, vacation rental travel insurance is worth the cost. Here is why:

  • check_circleVacation rentals require large upfront deposits: unlike hotels that typically allow free cancellation within 24–48 hours, vacation rentals often require full payment weeks or months before arrival, with no refunds for cancellations.
  • check_circleLife happens. Illness, injury, a death in the family, a hurricane, or even a mandatory evacuation can force you to cancel a trip you were looking forward to. Without insurance, you lose every dollar of your deposit.
  • check_circleThe cost of the plan is small relative to the risk Stay Secure starts from $73 for a 15-day trip. If your rental deposit is $2,000 or more - and most multi-night rentals are - the premium is typically 3–5% of the amount at risk.
  • check_circleYou get more than cancellation protection Stay Secure also includes emergency medical coverage ($50,000 per person), emergency evacuation ($1,000,000), baggage protection, rental car damage coverage, and COVID-19 coverage at no extra cost.

If your vacation rental booking is non-refundable, it is worth protecting with a dedicated vacation rental insurance plan.

Simple Process

How Do I File a Claim With Stay Secure Vacation Rental Insurance?

To file a claim with Trawick International Insurance, follow these steps:

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Step 01
Download Form

Get the Trawick International claim form from the member portal.

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Step 02
Call Support

Speak to our licensed support staff for guidance.
866-696-0409 or 251-928-0939

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Step 03
Submit Documents

Mail to Trawick International, P.O. Box 2069, Fairhope AL 36533

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Step 04
Email Help

Trawickclaims@cbpinsure.com

What Events Trigger Trip Cancellation Coverage?

Stay Secure reimburses your non-refundable vacation rental and travel costs when you cancel or interrupt your trip for a covered reason. Covered events typically include:

  • Unexpected illness or injury of you, a travel companion, or a family member
  • Death of a traveler, travel companion, or immediate family member
  • Severe weather, natural disaster, or mandatory evacuation at your origin or destination
  • Hurricane warning issued by the National Weather Service
  • Your vacation rental property becomes uninhabitable due to a covered event
  • Airline or common carrier cancellations that cause you to miss your departure
  • Involuntary termination of employment (subject to terms)
  • Military duty or call to active service
  • Quarantine or isolation ordered by a physician due to illness (including COVID-19)
  • Felonious assault within 10 days of departure

For cancellations that do not fall under a standard covered reason, the optional Cancel for Any Reason (CFAR) upgrade - purchased within 21 days of your initial deposit - reimburses 75% of your trip cost, no reason required.

Common Questions

Stay Secure Vacation Rental Insurance - FAQs

Yes. Stay Secure covers non-refundable bookings on any vacation rental platform - including Airbnb, Vrbo, Vacasa, and independent rentals. The plan reimburses your non-refundable rental cost if you cancel or have to cut your trip short for a covered reason. It supplements, rather than duplicates, any limited protections offered directly by booking platforms.
Stay Secure starts from $73 for a 15-day trip. Your final premium depends on the total insured trip cost, the number of travelers on the policy, trip length, and any optional upgrades such as Cancel for Any Reason (CFAR) or adventure sports coverage. Use the quote tool on this page to get your exact price instantly - there is no obligation to buy.
For most travelers with non-refundable deposits, yes. Vacation rental bookings typically involve large upfront payments with strict cancellation policies. A single covered cancellation - due to illness, injury, or severe weather - can cost you hundreds to thousands of dollars. Stay Secure reimburses up to $200,000 of those costs. The plan premium is generally 3–5% of your total trip cost, which is a small price compared to losing your entire deposit.
If your vacation rental is uninhabitable upon arrival due to a covered event - such as storm damage, a mandatory evacuation order, or a natural disaster - Stay Secure's Trip Interruption benefit can reimburse your non-refundable rental costs and help cover additional accommodations. Trip Interruption covers up to 150% of your insured trip cost, up to $200,000. Contact Trawick International immediately at 866-696-0409 if this situation occurs so they can guide your next steps.
Stay Secure covers your non-refundable vacation rental cost, plus other prepaid travel arrangements like airfare and hotels, for trip cancellation and trip interruption up to $200,000. It also includes emergency medical coverage ($50,000 per person / $500,000 policy maximum), travel delay benefits ($7,500 max), lost baggage protection ($2,000 per person), and optional Cancel for Any Reason coverage.
Stay Secure offers an optional Adventure and Extreme Sports medical upgrade providing $50,000 per person / $500,000 per trip for emergency medical expenses from adventure activities. This option is not available to residents of MA, MN, MO, MT, NY, or OR.
Yes. Stay Secure includes a Free Look period during which you may cancel the insurance and receive a full refund of premium, provided no claim has been filed and you have not yet departed on your trip. The exact number of Free Look days varies by state - refer to your plan documents for state-specific details.
Yes. The plan is specifically designed around the strict, non-refundable cancellation terms common with vacation rental bookings, helping you recover your rental cost if you must cancel for a covered reason such as illness, injury, severe weather, or a mandatory evacuation.
Yes. CFAR and Interruption for Any Reason (IFAR) are available as optional upgrades, but they must be purchased within 21 days of your initial trip deposit. CFAR reimburses 75% of your trip cost; IFAR reimburses 50%. Additional terms and costs apply. CFAR is not available to New York residents or for travel to or including Israel.
The Pre-Existing Condition Exclusion Waiver is included when the plan is purchased prior to or with your final trip payment, allowing eligible pre-existing conditions to be covered under the policy terms.
This plan is available exclusively to U.S. citizens and U.S. residents traveling within the United States or internationally. It must be purchased before you depart on your trip.
No. Stay Secure must be purchased before you depart. Coverage begins once you leave your home, so purchasing before your departure date is essential. Plans can be purchased up to 24 months in advance.
Yes. Stay Secure includes up to $1,000 in pet medical expense coverage for a covered illness or injury your pet experiences during the trip. It also covers kennel fees at home if a trip delay extends your absence. Note: pet-related benefits are not available to residents of MA, MN, MO, MT, NY, OR, or WA.
Yes. COVID-19 and SARS-CoV-2 are treated the same as any other sickness under the Stay Secure plan. Emergency medical expenses due to COVID and trip cancellation or interruption resulting from COVID illness are covered under standard plan benefits - no special exclusion applies.
Why Book With Us

Why Buy Stay Secure Vacation Rental Insurance from American Visitor Insurance?

American Visitor Insurance has helped travelers compare and purchase travel protection plans for more than 20 years. Rather than steering you toward a single option, our quote engine shows you real Trawick International pricing and benefits side by side so you can choose the vacation rental plan that actually fits your trip.

  • Side-by-side comparison tools: Instantly compare Stay Secure against other Trawick International trip protection plans, including Safe Travels Rental Plus, before you buy.
  • No markup on premiums: You pay the same Trawick International rate you would find anywhere, with the added benefit of independent licensed guidance.
  • Trawick International is AM Best A (Excellent) rated: AM Best is the insurance industry's leading independent rating agency. An "A (Excellent)" rating means the insurer has been independently assessed as financially strong and capable of meeting its ongoing insurance obligations - giving you confidence your claim will be paid.
  • Client Zone access: Retrieve your policy documents, ID card, and certificate of insurance anytime after purchase at the Stay Secure login portal.
  • Licensed customer support: Our team has over 20 years of travel insurance experience and can answer plan-specific questions before and after purchase. Call (877) 340-7910.
  • Claims assistance: Our support staff helps walk you through documentation and submission if you need to file a claim.
  • Trusted by 200,000+ travelers: Across 50 U.S. states and 195 countries worldwide, with a 4.8/5 satisfaction rating.