Pathway Premium

A.M. Best Rating: A
By: Trawick International, Underwriter: Technology

Pathway Premium (A.M. Best Rating: A) is a comprehensive trip insurance plan for U.S. residents traveling domestically or internationally. It helps protect non-refundable trip costs while providing generous benefits for Trip Cancellation, Emergency Medical Expenses, baggage, and covered travel disruptions. Coverage is available for trips up to 90 days.

Pathway Premium does not participate in any PPO network. You can visit any doctor or hospital of your choice.

Pathway Premium includes coverage for pre-existing conditions if the waiver requirements are met, including purchasing the plan within 21 days of the initial trip deposit and being medically able to travel at the time of purchase.

Review the Pathway Premium policy documents for complete coverage details, exclusions, and limitations.

Key Trip Insurance Benefits

Here are some of the top benefits, for your convenience*

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Trip Delay

Up to $2000, $300 per day, after 6 hours

Medical Evacuation

Up to $1000000

Cancel for Any Reason Option

Optional add-on

Interruption for Any Reason

Optional add-on

Accident & Sickness

Up to $200000

Baggage & Personal Effects

Up to $2000, $250 per item

Trip Cancellation

Up to 100%

Cancel for Any Reason Option

Optional add-on

Trip Interruption

Up to 150%

Interruption for Any Reason

Optional add-on

Trip Delay

Up to $2000, $300 per day, after 6 hours

Accident & Sickness

Up to $200000

Medical Evacuation

Up to $1000000

Baggage & Personal Effects

Up to $2000, $250 per item

*Note: Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge

Eligibility

For U.S residents traveling within the U.S and/or internationally
For Age 14 days to 85 years of age
Coverage for a maximum of 90 days
Must be purchased prior to departure.
Trip must be scheduled, prepaid, and arranged prior to departure. No minimum distance requirement from your primary residence.
Optional Cancel for Any Reason (CFAR) is not available for residents of: NY. CFAR must be purchased within 21 days of initial trip deposit date
Optional Interruption for Any Reason (IFAR) is not available for residents of: NY. IFAR must be purchased within 21 days of initial trip deposit date

Cancel For Work Reasons

Covered

Interruption For Any Reason

Optional Add-on benefit

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Trip Delay

Up to $2,000, $300 per day, after 6 hours

Missed Connection

Up to $500

Emergency Medical Evacuation & Repatriation

Up to $1,000,000

Cancel For Any Reason

Optional Add-on benefit

Pre-existing Medical

Pre-existing waiver available if purchased within 21 days of initial trip payment

Primary Medical

Covered

Non-Medical Evacuation

Not covered

Accident & Sickness Medical Expense

Up to $200,000

Dental Expense

Up to $750

Covid-19 Coverage

Treatment for COVID-19 is covered if contracted after the plan effective date. Cancellation, Interruption, & Quarantine benefits are offered in this plan. Covid-19 testing is covered only if ordered by a physician. Vaccination/Boosters are not covered.

Trip Cancellation Due to Covid-19

Coverage for trip cancellation due to a documented positive COVID-19 result

Covid-19 Quarantine

Quarantine coverage in Trip Insurance plans fall under the "Trip Delay" benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining.

Sports Equipment Delay

Not covered

Sports Equipment Loss

Not covered

Sports & Activities

Optional Add-on benefit

Telehealth Service

Covered

Baggage & Personal Effects

Up to $2,000, $250 per item

Rental Car Damage

Optional Add-on Coverage Available

Baggage Delay

Up to $500

Accidental Death & Dismemberment

Up to $10,000, Up to $25,000 for Common Carrier

Please refer to the following article concerning the claim process:
Trip Insurance Claim Process

U.S residents who need trip cancellation benefits for travel within the USA and internationally.

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.

You may cancel the insurance by giving written consent within the first to occur of the following: (a) 14 day free look back period from the effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.

After purchasing the policy online, you will receive your ID card in your confirmation email.

Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.

Pathway Premium can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

The Pathway Premium plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

Pathway Premium will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

Quarantine coverage in Pathway Premium plans fall under the “Trip Delay” benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining. The Trip Delay benefit will provide policyholders a specified monetary amount. A policyholder can use their Trip Delay benefit on; reasonable accommodation, meals, telephone calls and local transportation expenses. Receipts must accompany the Reasonable Additional Expenses incurred.

The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.

Pathway Premium has an optional Cancel for Any Reason benefit that can be added to a policy. Cancel for Any Reason must be purchased within 21 days of your initial trip payment date. Not available for residents of New York. Please review your policy terms and conditions for a list of exclusions and restrictions.

All options of the plan would cover for the specific covered reasons. Some of these include: Sickness, Injury or Death, Felonious Assault, Court Ordered Appearance, Military Duty for Natural Disaster Relief, Jury Duty, Termination/Layoff, Strike, Weather, Hijacking, Terrorist Incident, Traffic Accident, Bankruptcy/Default, Quarantine, Residence Uninhabitable

Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

Pathway Premium has an optional Interruption for Any Reason benefit that can be added to a policy. Interruption for Any Reason must be purchased within 21 days of your initial trip payment date. This can be purchased with an additional premium at the time of purchase. Not available for residents of New York. Please review your policy terms and conditions for a list of exclusions and restrictions.

The optional Emergency Accident and Sickness Medical Expense benefit increases coverage up to $150,000 in medical expenses. This can be purchased with an additional premium at the time of purchase.

Pathway Premium offers a Rental Car Damage rider that covers the collision damage, theft, vandalism, windstorm, fire, hail, flood or any cause not within your control while in your possession. The policyholder has the ability to choose which days of coverage they will need with the Rental Car Damage rider. The rider must be purchased at the time of application. Not available for residents of New York. Policyholders should review their policy terms and conditions for any exclusions and restrictions.

Pathway Premium offers an Adventure Sports and Extreme Sports rider that covers sports and activities such as skydiving, bungee jumping, mountaineering and more. The rider must be purchased at the time of application. Please review your policy terms and conditions for a list of exclusions and restrictions.

Pathway Premium can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

The Pathway Premium plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

If your original payment method is invalid, please call the insurance company directly at 888-301-9289 to update/edit your refund method and preferred credit card details over the phone.

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How COVID-19 is Covered Under Pathway Premium

COVID-19 Medical Expenses

Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.

COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.

COVID-19 Vaccination/Booster

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit

Quarantine coverage included in the Trip Delay benefit can provide coverage for additional accommodation expenses if the quarantine is ordered by a physician.

Emergency Medical Evacuation

Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.

Trip Cancellation

Coverage for canceling a trip due to COVID-19 before the departure date.

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Pathway Premium

Key Trip Insurance Benefits

Eligibility

Travel Coverage

Emergency Services

COVID-19 Benefits

Other

Pathway Premium Exclusions

Pathway Premium FAQs

Didn’t find what you are looking for?

How COVID-19 is Covered Under Pathway Premium

COVID-19 Medical Expenses

COVID-19 Testing

COVID-19 Vaccination/Booster

Quarantine Benefit

Emergency Medical Evacuation

Trip Cancellation

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