Travel Insurance Reviews for Trawick International Safe Travels Voyager

My wife and I purchased a Trawick International "Safe Travels Voyager" policy ($1,104) to cover our December 2022 trip to New York from California for a family medical emergency. United Airlines delayed our return and then rerouted us to San Francisco, requiring us to stay overnight at a hotel at our own expense without our luggage. We reached home more than 24 hours late. Our policy included the fllowing coverages that, on the face of it, would seem to have applied to our situation: Trip Interruption ($5,202), Travel Baggage Delay ($8+ hours, $600), and Travel Delay (6+ hours, $150/day). However, the company defined only our hotel expense ($450.52) and the extra charge for our seats on United from San Francisco ($78) as "eligible" expenses, ultimately sending a check for $378 toward our claim of $1,748.52, and $150.52 less than the company itself had listed as "payable.". My conclusion: Don't take the listing of coverages on the policy at face value. "Travel Baggage Delay" and "Travel Delay" don't mean what the simple language would imply. Our experience with this Trawick/Nationwide policy raises a serious doubt in my mind as to the value of travel insurance.

Postscript: A week after I wrote the above review, I received checks for $150.52. This amount brought the total reimbursement to the level the company identified as "eligible expenses."