Travel Protection - FAQs

Especially at this time, we strongly recommend that you purchase trip cancellation insurance and also highly recommend that you consider securing “cancel for any reason” travel coverage (CFAR). Many travel insurance policies treat Covid-19 as any other illness for the purpose regarding coverage. Holbrook is currently recommending the Trawick International Safe Travels Voyager Plan. The questions and answers below are based on this plan; however you may choose any travel protection provider.

Q: What happens if my flight is delayed or canceled?

You will be reimbursed up to $150 per day to a maximum of $2,000 for any additional accommodation and travel expense if you incur a delay of 6 hours or more.

Q: If Holbrook Travel cancels my trip, can I get a refund of the insurance premium?

Yes. You can receive a refund of the insurance premium if Holbrook cancels the trip and provides a full refund of trip costs. You need to send an email to, stating that you have received a full refund and would like to cancel the insurance. Please provide a copy of the refund letter or statement from Holbrook this and documentation showing that the refund was received. Once verified, the policy would be voided, and a credit issued to the card used to make the purchase. Notice must be received before the scheduled departure date. If Holbrook postpones your trip, you may transfer your insurance coverage to a different trip and destination as long as those dates are no more than 18 months from the original travel dates.

Q: Can I cancel my trip if I am scared to travel?

Fear or concern about traveling is generally not a covered reason for canceling your trip. Being cautious in these uncertain times is entirely understandable and some travelers may wish to cancel a trip based on Coronavirus fears. Please get in touch with our customer support team to get details about your specific case. In most cases, you will need to have a plan with Cancel for Any Reason Coverage. If your travel protection plan includes Cancel for Any Reason benefits, you may be covered for a percentage of the loss in the form or a credit or refund based on the terms of your specific plan.

Q: If my travel protection plan includes Cancel for Any Reason (CFAR) benefits and I cancel my trip, am I covered?

Cancel for Any Reason (CFAR) will reimburse you up to 75% of your non-refundable insured trip cost, provided you cancel the trip two (2) days or more before your scheduled departure date. CFAR is not available in MO, NY or WA. CFAR coverage provides reimbursement for a percentage of the prepaid, non-refundable, forfeited payments you paid for your trip, if you cancel your trip for any reason not otherwise covered by your policy. It must be purchased with the initial policy and within 21 days of the initial trip deposit date, and the full, non-refundable trip cost is insured.

Q: Is it possible to cancel my trip because of a travel advisory or border closing?

Trip cancellation benefits are given if a covered reason is the cause of the cancellation. A Travel advisory from the State Department or other government bodies and border closings are not covered reasons on Trawick plans.

Q: My doctor has recommended that I do not travel. Can I cancel my trip?

If your doctor thinks you should not travel due to your age, an underlying condition, or even just to be safe, unfortunately, this is not covered unless you have Cancel for Any Reason (CFAR).

Q: Can I get medical coverage if I get infected by Coronavirus during my trip?

If you become ill with COVID-19 while on your trip and your plan includes medical expense coverage, you may be covered for Medical Expense and Trip Interruption or Trip Delay benefits with a confirmed diagnosis, including proof of illness from a doctor or evidence that you are subject to quarantine. Please review your specific plan for the details and limits of such coverage.

Q: If I have booked a trip that leaves at some future date and my destination is affected by COVID-19, will I receive reimbursement if I cancel my trip?

As COVID-19 currently impacts almost all destinations, coverage depends on several factors, including, but not limited to: (1) the terms of your specific travel protection plan; (2) your destination; (3) your reason for canceling; and (4) the availability of a refund or credit from you travel provider. Fear or concern about traveling is not a covered reason for canceling your trip. However, certain travel protection plans may provide coverage if you have been diagnosed with COVID-19, are under quarantine or are traveling to a destination that is currently under a CDC travel restriction. Before canceling your trip, please review the Trip Cancellation section of your plan to determine covered reasons for which you may be eligible to receive reimbursement or a refund or credit. Please check with your travel provider to see if you can cancel or reschedule your trip without incurring fees or penalties regarding potential refund, travel credit, or rescheduling options.

Q: How much will my Travel Protection Plan cost?

The cost of your plan will depend on a number of factors, including the destination, the duration, your age, cost of your trip, and whether you choose optional items such as CFAR. You can quickly get a quote on this cost by filling the following Trawick Safe Travels Voyager form.

Q: What are Pre-Existing Conditions and how can Pre-Existing Conditions be covered?

A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that, with reasonable medical certainty, existed at the time of the coverage application or at any time during the two (2) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to the Company prior to the Effective Date. Coverage must be purchased prior to or with final payment, and the full, non-refundable trip cost is insured, and you are medically able to travel on the policy effective date.

Q: Is COVID-19 (the Coronavirus) treated the same as other sicknesses under the terms of the Plan?

Yes. COVID-19 is treated that same as any other sickness for purposes of pre-existing conditions and all coverages that are triggered by a sickness or that can reimburse losses resulting from a sickness – including deaths caused by sickness.

Q: Do limitations and exclusions apply to COVID-19 related claims? Does the Exclusion for Pre-Existing Conditions apply to COVID-19 related claims?

The same limitation and exclusions that apply to all claims also apply to claims related to COVID-19, including the Exclusion for Pre-Existing Conditions. Please note that the same rules that govern all Pre-Existing Conditions also apply to COVID-19.

Q: If I am diagnosed with having contracted Covid-19 and am consequently unable to embark on or continue a trip due to this, would I have an eligible claim under Trip Cancellation coverage or Trip Interruption coverage?

Both Trip Cancellation coverage and Trip Interruption coverage can include “Sickness” as a covered reason. In order for the “Sickness” trigger to apply for either Trip Cancellation coverage or Trip Interruption coverage, you must require medical treatment at the time of the cancellation or interruption (as applicable), and a Legally Qualified Physician (as defined by your Plan) must determine that your sickness requires you to have to cancel or interrupt your trip. If a Legally Qualified Physician is employed by the travel supplier to administer the temperature check and determines that your fever prevents you from being able to embark on or continue your trip, then there may be Trip Cancellation coverage or Trip Interruption coverage (as applicable), subject to the standard terms and conditions of your Plan.

Q: How do I submit a claim and what documentation is required?

Whether your claim for medical treatment, a cancelled trip or lost baggage, contact Trawick International and submit a claim form for the appropriate matter.

Q: What is the definition of quarantine?

A Legally Qualified Physician must confirm that your fever prevents you from continuing on your trip and that you must be quarantined.  Quarantined is defined as a strict medical isolation imposed by a recognized government authority, their authorized deputies, a medical examiner or a physician to prevent the spread of a disease requiring you to be confined 24 hours per day throughout the duration.