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TravallamaINSPart of Travallama Insurance Brokers LLC

Compare travel insurance plans side by side

The main benefit limits of the trip protection plans TravallamaINS offers, per traveler, as printed in each plan's schedule of benefits. Benefits, limits and conditions differ by plan and by state, and the plan document governs.

BenefitTrawick Pathway PlusTrawick Pathway PremierWorldTrips Atlas Journey ExploreWorldTrips Atlas Journey ElevateWorldTrips Atlas Journey PreferredWorldTrips Atlas Journey PremierGo Ready Choice
Offered to residents ofAll six statesAll six statesFL, CA, IL, MI, NCFL, CA, IL, MI, NCNew YorkNew YorkAll six states
Trip cancellation100% of trip cost100% of trip cost100% of trip cost100% of trip cost100% of trip cost100% of trip cost100% of trip cost (up to $50,000)
Trip interruption125% of trip cost150% of trip cost150% of trip cost150% of trip cost150% of trip cost150% of trip cost150% of trip cost (up to $75,000)
Travel delay$1,000 ($200 per day)$2,000 ($300 per day)$2,000 ($150 per day)$2,000 ($200 per day)$2,000 ($150 per day)$2,000 ($200 per day)$2,000 ($200 per day)
Missed connection$300$500$1,000$1,500$1,500$2,000$500
Baggage and personal effects$1,000$2,000$1,500$2,500$1,500$2,000$500
Baggage delay$300$500$300$600$300$500$200
Emergency medical$100,000$200,000$150,000$250,000$100,000$150,000$50,000
Emergency evacuation and repatriation$350,000 (emergency evacuation); $350,000 (repatriation of remains)$1,000,000 (emergency evacuation); $1,000,000 (repatriation of remains)$750,000$1,000,000$1,000,000$1,000,000$250,000
Accidental death and dismemberment$10,000$10,000$25,000$50,000$20,000$25,000$10,000
Cancel for Any ReasonNot offeredOptional upgradeOptional upgradeOptional upgradeCancel for Fortuitous Reasons upgrade: 75% of trip costCancel for Fortuitous Reasons upgrade: 50% or 75% of trip costOptional upgrade: 75% up to $7,500, for trips costing up to $10,000 per person

Figures are per traveler. Travel Insured International plans (Worldwide Trip Protector Deluxe and Platinum, and Worldwide Trip Protector NY for New York residents) are also offered; their benefits are in their plan documents and are shown with your quote. Go Ready Choice: Insurance coverages underwritten by Zurich American Insurance Company, a New York domiciled company with its principal place of business at 1299 Zurich Way, Schaumburg, IL 60196 (NAIC # 16535). Last updated October 2026.

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For residents of Florida, California, Illinois, Michigan, North Carolina and New York. Enter your state, dates and trip cost to see the plan options side by side. Getting a quote does not buy insurance.

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Questions about choosing a plan

Which plans offer Cancel for Any Reason?

Cancel for Any Reason is an optional upgrade on Travel Insured Deluxe and Platinum, Trawick Pathway Premier, WorldTrips Atlas Journey Explore and Elevate, and Go Ready Choice.

  • Not offered on Trawick Pathway Plus.
  • Not part of the plans we offer to New York residents. WorldTrips Atlas Journey Preferred and Premier offer Cancel for Fortuitous Reasons in New York, and the Go Ready Choice New York version offers Cancel for Any Fortuitous Reason.
  • WorldTrips has told us it does not offer this upgrade for trips to Israel.

More answers: Cancel for Any Reason (CFAR) travel insurance

What is the time-sensitive period for each plan?

The time-sensitive period is the number of days after your first trip payment in which you must buy to get certain benefits.

  • Travel Insured Deluxe: 14 days. Platinum: 21 days. New York plan: 21 days.
  • Trawick Pathway Plus: 14 days (21 in the New York version). Pathway Premier: 21 days for Cancel for Any Reason; its pre-existing waiver runs until your final trip payment due date.
  • WorldTrips Atlas Journey (all plans): 21 days.
  • Go Ready Choice: 14 days for the pre-existing condition waiver (21 in the New York version). Cancel for Any Reason: the plan cost must be received within one day of your first trip payment (New York version: Cancel for Any Fortuitous Reason, 21 days).

State versions can differ, so check your plan document.

More answers: When to buy travel insurance

How do I get pre-existing conditions covered?

Buy the plan within its time-sensitive period after your first trip payment, and be medically able to travel on the day you buy. If you meet the conditions, the plan waives its pre-existing condition exclusion.

  • Travel Insured Deluxe: within 14 days. Platinum: within 21 days.
  • Trawick Pathway Plus: within 14 days. Pathway Premier: on or before your final trip payment due date.
  • WorldTrips Atlas Journey: within 21 days.
  • Go Ready Choice: within 14 days (New York version: within 21 days, and later trip arrangements must be insured within 21 days of paying for them).
  • New York versions (Travel Insured and Trawick): within 21 days (Trawick Premier: by the final payment due date), and you must also insure all prepaid, non-refundable trip costs.

More answers: Travel insurance and pre-existing conditions

How much medical coverage do the plans include?

Emergency medical limits per person:

  • Travel Insured: Deluxe $250,000; Platinum $500,000; New York plan $100,000.
  • Trawick: Pathway Plus $100,000; Pathway Premier $200,000.
  • WorldTrips: Explore $150,000; Elevate $250,000; New York Preferred $100,000; New York Premier $150,000.
  • Go Ready Choice: $50,000 ($500,000 with the optional upgrade).

The benefit covers a sickness or injury that happens during the trip. Care after you return home is not covered.

More answers: Emergency medical and medical evacuation coverage

What is the difference between the plans?

The plans differ mainly in benefit limits, time-sensitive deadlines and optional upgrades. In each pair below, the second plan has higher limits.

  • Travel Insured Deluxe vs Platinum: medical $250,000 vs $500,000; evacuation $500,000 vs $1,000,000; delay benefits start after 6 hours vs 3 hours.
  • Trawick Pathway Plus vs Premier: medical $100,000 vs $200,000; interruption 125% vs 150%; only Premier offers Cancel for Any Reason.
  • WorldTrips Explore vs Elevate: medical $150,000 vs $250,000; evacuation $750,000 vs $1,000,000; only Elevate offers Interruption for Any Reason.
  • Go Ready Choice: a single plan, not a pair: medical $50,000 and evacuation $250,000, each raised to $500,000 with optional upgrades; delay benefits start after 6 hours.

The plan cards on our site show each plan's benefits side by side with the price for your trip.

More answers: What travel insurance covers

What if the program operator goes bankrupt or disappears with my money?

Travel Insured, Trawick and WorldTrips plans list supplier bankruptcy or financial default as a reason, but the conditions differ, and on some plans it will not help with the operator you paid.

  • All of these plans: the supplier must completely stop providing travel services, more than 14 days after your coverage began.
  • Travel Insured New York plan: does not cover the default of the tour operator, agency or firm you bought the trip from.
  • Travel Insured Deluxe and Platinum: the exclusions say there is no coverage for the financial default of "Your Travel Supplier". Confirm with Travel Insured in writing before relying on it.
  • Trawick Florida and California: not for a firm that sold you arrangements supplied by others; you must insure the full trip cost, pay for the plan by final payment, and depart within 15 months.
  • WorldTrips and Trawick New York: you must buy within 21 days of your first trip payment. These documents have no exclusion for the company you bought from.
  • Go Ready Choice: does not list supplier bankruptcy or financial default as a reason. The New York version lists it only for airlines, cruise lines, rental car companies, hotels, condominiums and motor coach companies, more than 14 days after coverage begins.

Ask a licensed agent how this applies to your operator before relying on it: info@travallamains.com.

More answers: Travel insurance for tours, vacation packages and tour operators

More travel insurance answers

Travel insurance by state