Travel insurance for New York residents

TravallamaINS, part of Travallama Insurance Brokers LLC, offers travel insurance to New York residents through Jeffrey G. Barr, a licensed insurance producer (NPN 8469572). We show you trip protection plans from Travel Insured International, Trawick International, WorldTrips and Aegis Go Ready side by side, with the price for your trip.

Plans we offer to New York residents

Aegis Go Ready

Go Ready Choice (New York version) (plan document on request)

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).

Travel insurance is approved state by state, so the version of each plan you get depends on where you live. Which plans and upgrades you can buy, and the price, are confirmed when you enter your trip. Benefits, limits and conditions differ by plan and by state, and the plan document governs.

See the plans and prices for your trip

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.

Get my plan options

How the plans differ for New York residents

Cancel for Any Reason	Not part of the plans we offer to New York residents. WorldTrips Atlas Journey Preferred and Premier offer an upgrade called Cancel for Fortuitous Reasons (CFFR) instead: 75% of trip cost on Preferred, and your choice of 50% or 75% on Premier. Go Ready Choice (New York version) offers Cancel for Any Fortuitous Reason: 75% up to $7,500, bought within one day of your first trip payment. Full answer
Time-sensitive period	The number of days after your first trip payment in which you must buy to get certain benefits. Travel Insured New York plan: 21 days. Trawick Pathway Plus: 21 days in the New York version. WorldTrips Atlas Journey: 21 days. Go Ready Choice: 21 days for the pre-existing condition waiver; Cancel for Any Fortuitous Reason must be bought within one day of your first trip payment. Full answer
Cancelling the plan for a refund	Within the plan's review period, if you have not left on your trip, have not had a loss that could be claimed, and have not filed a claim. Travel Insured New York plan: 14 days from your coverage effective date, by written notice, and no later than your scheduled departure date. Trawick Pathway: the New York plan document does not state a review period. WorldTrips Atlas Journey: 15 days from purchase. Go Ready Choice: 15 days after you receive the plan. Full answer
Telling the insurance company about a claim	Travel Insured: notice within 20 days of the loss. Trawick Pathway: written notice within 7 days after the loss begins; the New York version also reduces benefits if the claim is reported after 72 hours. WorldTrips Atlas Journey: notice within 30 days. Go Ready Choice: written notice within 90 days of the loss, or as soon as reasonably possible. Full answer

State versions can differ, so check your plan document. Last updated October 2026.

Licensing for New York residents

Licensed producer	Jeffrey G. Barr, National Producer Number (NPN) 8469572
New York license (Jeffrey G. Barr)	Nonresident insurance agent (life, accident and health), license LA-1175438
New York license (Jeffrey G. Barr)	Nonresident insurance agent (property and casualty), license PC-1175438
New York license (Jeffrey G. Barr)	Nonresident life broker, license LB-1175438
New York license (Jeffrey G. Barr)	Nonresident insurance broker (property and casualty), license BR-1175438

State licenses can be verified at nipr.com using NPN 8469572, or with your state's department of insurance. All of our licenses are on the Licenses page.

Answers that mention New York

These answers mention New York because they describe the New York version of a plan or compare it with other states. Some of the plans they name are not offered to New York residents; the list at the top of this page shows the ones that are.

Which insurance companies and plans do you offer?

We offer trip protection plans from four insurance programs: Travel Insured International, Trawick International, WorldTrips and Aegis Go Ready.

Travel Insured: Worldwide Trip Protector Deluxe and Platinum (New York residents: Worldwide Trip Protector NY).
Trawick: Pathway Plus and Pathway Premier.
WorldTrips: Atlas Journey Explore and Elevate (New York residents: Atlas Journey Preferred and Premier).
Aegis Go Ready: Go Ready Choice.

Enter your trip at travallamains.com to see the plans and prices available in your state.

More answers: What travel insurance covers

Is Cancel for Any Reason available in New York?

Cancel for Any Reason insurance is not part of the plans we offer to New York residents. Instead, WorldTrips Atlas Journey Preferred and Premier offer an upgrade called Cancel for Fortuitous Reasons (CFFR).

Preferred: 75% of trip cost. Premier: your choice of 50% or 75%.
Buy within 21 days of your first trip payment, be able to travel when you buy it, and cancel 48 hours or more before departure. Premier also requires that you insured 100% of the known trip cost.
Only for trips costing up to $150,000 per person.
WorldTrips has told us it does not offer this upgrade for trips to Israel.
Go Ready Choice: the New York version offers Cancel for Any Fortuitous Reason: 75% up to $7,500; buy within one day of your first trip payment; insure 100% of prepaid trip costs and add later arrangements within 14 days; trip cost up to $10,000 per person; the booking must be your first and only booking for that travel period and destination; cancel two days or more before departure.

Travel Insured's New York plan document also describes a separate, non-insurance Cancel for Any Reason waiver sold by Travel Insured. Ask a licensed agent about it: info@travallamains.com.

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

What does Cancel for Fortuitous Reasons mean?

It is not the same as Cancel for Any Reason. The WorldTrips New York plans define a fortuitous event as one that could not have been reasonably foreseen or expected, is out of your control, and is reasonably expected to cause the cancellation of your trip.

The plan document gives no examples, and the insurance company decides whether a reason qualifies. Ask a licensed agent if you have a specific situation in mind.

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

How far back do the plans look for pre-existing conditions?

The look-back period is counted back from the day your coverage takes effect.

Travel Insured Deluxe: 90 days. Platinum: 60 days. New York plan: 60 days.
Trawick Pathway Plus and Premier: 180 days (90 days in the New York versions).
WorldTrips Atlas Journey (all plans): 90 days.
Go Ready Choice: 180 days, counted back from the date your plan payment is received (Florida version: 30 days; Illinois version: 6 months before the covered loss).

More answers: Travel insurance and pre-existing conditions

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

How soon do I have to cancel with the airline or program?

Cancel with your travel suppliers as soon as the covered reason arises, and no later than 72 hours after it. Travel Insured and WorldTrips will not pay extra penalties that built up because you waited longer than 72 hours.

Then report the claim to the insurance company promptly. Trawick requires written notice of a claim within 7 days in its Florida version; its New York version reduces benefits if the claim is reported after 72 hours.

Go Ready Choice: written notice of the claim within 90 days of the loss, or as soon as reasonably possible.

More answers: Trip cancellation insurance

How do I file a claim?

Claims are filed with the insurance company's claims administrator, not with us, but we will guide you. Report the claim promptly.

Travel Insured Deluxe and Platinum: travelinsured.com or 1-855-752-8303.
Travel Insured claims for New York State residents (Worldwide Trip Protector NY): travelinsured.com or 1-877-771-1189.
Trawick Pathway: file online at mysurego.com/claims/submit-claim or email claims@mysurego.com. Claim status: (833) 853-1822.
WorldTrips Atlas Journey: (866) 400-6090, or collect from outside the U.S. at (603) 328-6387.
Go Ready Choice: the claims address and phone number are on your Confirmation of Coverage.

Have your plan number ready. If you need help, email info@travallamains.com.

How long a trip can I insure?

It depends on the plan. Trawick Pathway covers trips up to 90 days (Florida version) and WorldTrips Atlas Journey covers trips up to 180 days.

Travel Insured's documents do not state a maximum trip length, but its sickness medical benefit applies to trips of 180 days or less (90 days on the New York plan).

Go Ready Choice: trips up to 60 days (New York version: the medical, evacuation and accident coverage is for trips up to 45 days).

More answers: What travel insurance covers

Can I insure a trip to Israel?

Yes. Our plans can be bought for trips to Israel, and the medical, evacuation, delay, baggage and standard cancellation benefits apply, subject to each plan's terms.

Know the limits first:

Losses caused by war or acts of war are excluded on every plan.
Fear of traveling is not a covered reason to cancel.
WorldTrips has told us it does not offer Cancel for Any Reason (or Cancel for Fortuitous Reasons) for trips to Israel.
Travel Insured Deluxe and Platinum and Trawick Pathway Premier (not its New York version) offer Cancel for Any Reason, subject to their conditions. Travel Insured offers it only for trips costing up to $37,500 per person on Deluxe or $112,500 on Platinum.
Go Ready Choice: excludes traveling against the advice or recommendations of the U.S. State Department, the CDC or the World Health Organization (not in the New York version). Its Cancel for Any Reason upgrade is only for trips costing up to $10,000 per person and must be bought within one day of your first trip payment.

More answers: Travel insurance for Israel trips

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

How do I make a complaint?

Please contact us first at info@travallamains.com so we can try to resolve it. For a claim decision, you can ask the insurance company in writing to review it; the Travel Insured New York plan document sets out a formal grievance procedure.

You can also contact the insurance department of your state. New York residents: New York State Department of Financial Services, dfs.ny.gov.

More answers: State rules, refunds and the free look period

Common questions

New York disclosures

Our role and how we are paid. TravallamaINS, part of Travallama Insurance Brokers LLC, acts as an insurance producer in this transaction and is not the insurer. The insurance company or its representative will pay us compensation, which may be based in whole or in part on the contract we sell and may differ from compensation on other products. You may request in writing at info@travallamains.com the compensation we expect to receive on this policy and on any alternative quotes presented to you. We will provide it before you complete the purchase.

Licensing. Jeffrey G. Barr (NPN 8469572) is licensed in New York as an insurance agent and broker, New York license numbers LA-1175438, PC-1175438, LB-1175438 and BR-1175438. Full details are on our Licenses page. We offer plans only where we are licensed and the plan is approved.

Approved plans only. Only plans filed with and approved by the New York State Department of Financial Services may be sold to New York residents. Cancel for Any Reason is not available in New York. Some plans offer Cancel for Fortuitous Reasons (CFFR) instead, and other optional upgrades may be limited or unavailable.

Right to review. Plans typically include a free-look period after purchase during which you may cancel for a refund of the plan cost if you have not departed and have not filed a claim. Your plan documents state the exact period and conditions.

No coverage is bound here. Nothing on this website binds coverage, alters a policy, or guarantees that a claim will be paid. Coverage exists only when a plan is issued by the insurer, and the issued policy governs in all cases.

Questions or complaints. Contact us first at info@travallamains.com. New York consumers may also contact the New York State Department of Financial Services, One State Street, New York, NY 10004, or dfs.ny.gov.