Traveling abroad brings its own set of unpredictable situations, from medical emergencies to unexpected trip cancellations.
While travel insurance is starting to shift from an optional luxury to a near-necessity, finding the right provider can feel like a tedious journey of its own. HTH Travel Insurance (HTH), a subsidiary of Worldwide Insurance Services, LLC, promises to simplify that quest by offering a range of plans tailored to different travel scenarios.
Whether you’re a globetrotting businessperson or an expat settling into a new country, HTH offers a variety of travel insurance plans. In this review, we’ll take a close look at their coverage options and what’s included.
HTH Short Term Plans
HTH currently offers three distinct categories of travel insurance plans. These plans include Short Term Plans (1-180 days), Long Term Plans, and Trip Protection Plans.
Let’s start with HTH’s Short Term Plans, which are single-trip plans geared towards those going on vacation, students, those traveling for business, or mission travelers.
Single Trip With Primary Health Insurance
This plan is designed for travelers who already have primary health insurance. It offers flexibility in medical limits and deductibles and is suitable for anyone 95 or younger planning trips outside the U.S. for up to six months. This plan also covers pre-existing conditions for both medical services and evacuation.
Key features include options for maximum benefits ranging from $50,000 to $1,000,000 and 100% coverage for various medical expenses, from surgery to outpatient prescription drugs. Additional benefits include coverage for accidental death, repatriation of remains, trip delay, baggage, and trip interruption, making it a comprehensive choice for travelers.
Single Trip Without Primary Health Insurance
For travelers who do not have primary health insurance, this plan offers robust coverage almost identical to the one offered for those who do have primary health insurance. The benefits span from high medical coverage options to ancillary perks like trip interruption and baggage loss protection.
The key differentiator is that this plan doesn’t require you to have an existing health insurance policy, making it a versatile choice for a wider range of travelers.
Multi-Trip Plans
For frequent jet-setters, the Multi-Trip Plan offers two tiers of comprehensive health and accident insurance – Choice and Essential.
These are designed for travelers who already have primary health insurance, and cover an extensive array of medical services, from hospital care to prescription drugs, including COVID-19 testing and treatment.
The Multi-Trip Plan has high coverage limits—up to $1,000,000 for sickness and accidents, and a $500,000 medical evacuation benefit. You’re covered for an unlimited number of trips outside the U.S. within a 12-month period, with a 70-day maximum per trip. The plan also includes coverage for pre-existing conditions.
Group Plans
HTH Worldwide’s Group Plans for short-term travel are geared for groups of five or more people traveling together, like students, missionaries, or leisure travelers. These plans offer a 10% discount on standard rates and are ideal for trips lasting up to six months.
The enrollment process is easy: you can get an instant quote online, compare benefits to select the plan that best suits your group’s needs, complete a group enrollment form, and submit your payment details.
Long Term Plans
Now let’s review HTH’s Long Term Plans, which are geared towards expatriates and those on career assignments.
XPlorer Plan
This plan offers expat coverage, designed for those living both inside and outside the U.S. This plan is fully customizable, allowing you to define your deductible, choose your level of prescription drug coverage, and even select your doctor or hospital worldwide.
The plan also offers immediate coverage for preventive services with no waiting periods. If you’re returning stateside, you can keep the coverage for up to nine months. Plus, the waiting period for pre-existing conditions can be waived with proof of prior credible coverage.
Navigator Plan
This plan offers essential international health insurance tailored for specific groups: crew members, missionaries, and students or faculty. You get worldwide medical coverage with the flexibility to select from various deductibles and rates. You’re also free to choose healthcare providers either within or outside their network.
Trip Protection Plans
Finally, HTH offers Trip Protection Plans, which are for domestic and international travel. HTH currently offers three tiers: Economy, Classic, and Preferred.
TripProtector Economy
The TripProtector Economy plan offers basic coverage for travelers, focusing on essential needs. It provides up to $5,000 for trip cancellation and $75,000 for medical expenses due to sickness or injury.
The plan also includes a $500,000 medical transportation benefit. Various reasons for trip cancellation are covered, like sickness, injury, or death of you or a traveling companion, among others. Pre-existing conditions are not covered.
TripProtector Classic
This plan is a more comprehensive option and the most popular among travelers. It significantly increases the limits of the Economy plan, offering up to $25,000 for trip cancellation and $250,000 for medical expenses.
Medical transportation benefits are bumped up to $1,000,000. The plan also includes additional coverage such as for natural disasters and terrorist incidents. Pre-existing conditions can be covered if the plan is bought within 14 days of the initial trip deposit.
TripProtector Preferred
This plan is the most premium choice, offering the highest limits and most extensive coverage options available from HTH. The plan includes up to $50,000 for trip cancellation and $500,000 for medical expenses. Like the Classic plan, it also offers $1,000,000 for medical transportation.
This plan sets itself apart by offering an optional “Cancel for Any Reason” benefit. Pre-existing conditions can be covered if the plan is bought within 21 days of the initial trip deposit.
As you can tell, each of these plans offers different levels of coverage to suit a range of travel needs and budgets. Always read the details to see exactly what’s included in each plan.
What You Should Know about HTH Travel Insurance Plans
If you’re considering a travel insurance plan from HTH, below is additional helpful information about the company to help you make the best choice when searching for travel insurance.
- All plans by HTH Travel Insurance are underwritten by Nationwide Mutual Insurance Company and affiliated companies.
- HTH plans come with a 10-day money-back guarantee
- HTH has a global network of hospitals and doctors in over 190 countries
- HTH insurance can provide reimbursement for prepaid, non-refundable trip costs, like cruises, tours, airfare, medical transportation, emergency medical, and more
- Plans need to be purchased and approved from inside the U.S.
How to Submit a Claim
HTH Worldwide offers a fairly straightforward claims process for both domestic and international incidents. For claims within the U.S., you can download specific claims forms from their website for various types of coverage like trip cancellation, medical expenses, or baggage loss, and then mail them along with the necessary documentation to a specified address.
For international medical claims, HTH has a network of contracted healthcare providers in over 180 countries. Members can take advantage of Direct Pay features to avoid out-of-pocket expenses.
Three simple options are available to arrange medical services and initiate Direct Pay: logging into the Member Services area online, calling a provided number, or sending an email request. If Direct Pay isn’t available, HTH also offers options for coordinating with your primary insurance carrier or submitting a reimbursement claim, if you’ve had to pay upfront.
Final Thoughts
HTH Worldwide offers a range of insurance plans tailored for different needs, whether you’re a frequent traveler, an expatriate, or traveling in a group.
For a comprehensive view of how these plans stack up against others in the market, you can quickly and easily compare quotes at TravelInsurance.com.
