Trawick's Pathway plans can cover expenses including but not limited to:

• Trip Cancellation - If you cancel your trip prior to the scheduled departure date, we may reimburse you for unused, forfeited, prepaid, non-refundable payments or deposits for your trip, provided you cancel for an unforeseen reason included in the list of covered reasons in your Certificate.

• Optional Trip Cancellation For Any Reason (CFAR) - If you cancel your trip at least two days before your scheduled departure date for any reason not otherwise listed as a covered reason in your Certificate, we may reimburse you up to 75% for unused, forfeited, prepaid, non-refundable payments or deposits for your trip, provided the following conditions are met: 1. You purchase the optional CFAR within the time sensitive period and 2. You insure all pre-paid trip costs subject to cancellation penalties/restrictions and insure any subsequent arrangements added prior to your trip within 21 days. Additional premium applies. (Not available to residents of NY).

• Trip Interruption - If you interrupt your trip after your departure or if you join your trip after your scheduled departure date due to an unforeseen reason listed in the covered reasons in your Certificate, this benefit reimburses you for unused, forfeited, pre-paid, non-refundable payments or deposits you paid for your travel arrangements and/or the airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original travel arrangements limited to the cost of one-way economy airfare or similar quality as originally issued from the point of destination to the point of origin shown on the original tickets.

• Optional Trip Interruption For Any Reason (IFAR) - If you interrupt your trip at least 48 hours after your actual departure date for any reason not otherwise listed as a covered reason in your Certificate, we may reimburse you up to 50% for unused, forfeited, pre-paid, non-refundable payments or deposits you paid for your travel arrangements and/or the airfare paid less the value of applied credit from an unused travel ticket to return home, join or rejoin the original travel arrangements limited to the cost of one-way economy airfare or similar quality as originally issued from the point of destination to the point of origin shown on the original tickets provided the following conditions are met: 1. You purchase the optional IFAR within the time sensitive period and 2. You insure all pre-paid trip costs subject to cancellation penalties/restrictions and insure any subsequent arrangements added prior to your trip within 21 days and 3. You cancel all of your remaining trip. Additional premium applies. (Not available to residents of NY).

Plans sold by Trawick International. Insurance is provided by either Technology Insurance Company or Wesco Insurance Company, an AmTrust Financial Services, Inc. company and non-insurance services by Trawick International. Limitations and exclusions apply. Plans only valid for residents of the United States.