- Rating:
Summary:
A leading provider of international health insurance since 1997, HTH Worldwide has a good number of travel medical plans, including single-trip plans, annual plans, major medical plans, and plans for students. They also offer a few full-featured package plans. Many of their plans are available for senior travelers and non U.S. citizens.
Editor Review of HTH Worldwide
The Good: HTH Worldwide offers a few package plans for single and multiple trips throughout a year. They’re known, however, for their high-quality travel medical plans for both U.S. and non U.S. citizens.
The Drawbacks: Only one of the student plans covers U.S. students. Repatriation reimbursement across all HTH Worldwide plans is relatively low when compared to other companies. Coverage for pre-existing medical conditions in some plans is not available until after one full year of coverage. Benefits for claims resulting from downhill skiing and SCUBA diving are limited and there are no options for adventure sports coverage in any of the HTH Worldwide plans.
The Bottom Line: A leading provider of international health insurance since 1997, HTH Worldwide has a good number of travel medical plans, including single-trip plans, annual plans, major medical plans, and plans for students. They also offer a few full-featured package plans. Many of their plans are available for senior travelers and non U.S. citizens.
How to Get a Quote
Quote and buy direct: Get a quote directly at the HTH website. A good choice if you know you want an HTH plan and are ready to enroll.
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
Company Information
Company Name | |
|---|---|
| US Travel Insurance Association Member | Yes |
| Refund Policy | 10-day Free Look Period |
| Travel Insurance Plans | Package plans TripProtect e-Saver TripProtector - most popular plan TripProtector Preferred Travel Medical plans TravelGap Excursion - most popular single-trip plan TravelGap Voyager TravelGap Multi-trip Global Citizen - most popular annual plan Global Citizen EXP Global Navigator Global Student U.S.A. - most popular student plan Global Student U.S.A. Preferred U.S. Student Abroad |
| Company Contact Information | HTH Worldwide One Radnor Corporate Center Suite 100 Radnor, PA 19087 1-866-501-3254 1-610-293-3529 Fax customerservice@hthworldwide.com |
| Policyholder Questions | 1-866-501-3254 |
| Travel Assistance/Emergencies | Inside US/Canada: 1-866.655.3058 (toll free) Outside US/Canada: call operator & connect to 858-810-2016 (no charge) |
About HTH Worldwide Travel Insurance
HTH Worldwide is a leader in providing international health coverage for travelers. Founded in 1997 as Highway to Health, Inc., HTH Worldwide has become one of the most trusted providers of international health insurance programs. HTH Worldwide provides a wide range of individual health insurance programs, all of which include their unique Global Health and Safety Service – a set of online tools for contacting local medical health professionals, receiving health and security news alerts, and more.
HTH Worldwide travel medical plans often cover travelers up to age 74 and 84. Their plans cover individuals and families, students traveling into and away from the U.S., global citizens and expatriates.
HTH Worldwide’s travel insurance package plans are typically full-featured plans, including trip cancellation, interruption, and travel delay protections as well as medical coverage, evacuation and repatriation coverage, baggage loss and delay coverage, and more. The only common feature they do not include in any plans is missed connection coverage.
Their website is easy to use and you can quickly find the plan you need using the top navigation. Information about each plan, including the ability to compare plans, is quick to find.
Optional Coverage Available in HTH Worldwide Plans
- If package plans are purchased before or within 24 hours of a traveler’s final trip payment, pre-existing medical conditions are automatically waived at no additional cost.
- Some plans offer optional prescription drug coverage.
Highlights of HTH Worldwide Travel Insurance
- Deductibles are waived or reduced by half for treatment by an HTH Worldwide provider or a Student Health Services Center.
- All plans – travel medical and package plans – include some emergency dental care coverage and prescription care coverage.
- Some package plans include an additional $25 reimbursement to expedite the return of lost luggage when it’s found.
How to Get a Quote
Quote and buy direct: Get a quote directly at the HTH website. A good choice if you know you want an HTH plan and are ready to enroll.
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
HTH Worldwide Travel Insurance plans
Package Plans
TripProtect e-Saver
Affordable protection focused solely on cancellation and air flight accident benefits
This highly focused plan does not require travelers to have a health plan, and it provides trip cancellation, air flight accident, and some lost baggage benefits. It does not include many benefits typically found in a package plan, so it’s not for every traveler – only those concerned primarily about their vacation investment and having AD&D for flight accidents.
TripProtector – most popular plan
Excellent all-around traveler protection with high medical and evacuation limits
Coverage for U.S. residents with a primary health insurance plan who are under age 85 and traveling more than 100 miles from home. This plan covers 100% of medical, surgical, and prescription costs and includes high evacuation limits. Ideal coverage for U.S. travelers – even senior travelers – who care about their travel investment and want to protect themselves from unexpected financial losses due to emergency medical care.
TripProtector Preferred
A plan for those up to age 85 with high medical limits and excellent identity theft protection
Excellent, high-limit coverage for U.S. residents with a primary health insurance plan, under age 85, and traveling more than 100 miles from home. Includes $20,000 in detection and recovery reimbursement for identity theft. Ideal for travelers who want the maximum protections against unexpected financial losses due to emergency medical care, medical evacuations, and identity theft.
Travel Medical Plans
TravelGap Excursion – most popular single-trip plan
Single-trip health and accident insurance with your choice of medical limits and deductibles
Covering 100% of medical expenses after the deductible and up to your choice of plan limit, this single-trip travel medical plan does require a traveler to have a primary health plan. Comprehensive travel medical coverage for single trips by U.S. citizens traveling abroad with some package benefits, including minimal trip interruption, lost travel documents, and lost luggage protection.
TravelGap Voyager
Single-trip travel medical for trips up to six months for travelers age 74 and younger
Covering 100% of medical costs after your deductible and up to your choice of plan limit, this travel medical plan does not require a primary health plan. Comprehensive medical coverage for single trips up to six months for U.S. travelers leaving their home country.
TravelGap Multi-trip
A multi-trip travel medical plan offered at two plan levels for U.S. travelers up to age 84
Offered at two plan levels, this plan covers 100% of a traveler’s medical costs – emergency and non emergency – outside the traveler’s home country for all trips of 70 days or less throughout a 12-month period. This plan includes coverage for pre-existing medical conditions. It’s designed for travelers who have primary health insurance.
Global Citizen – most popular annual plan
Annual international major medical health coverage for world travelers
Comprehensive annual major medical insurance for emergency medical and preventative medical care. Optional dental coverage and prescription drug coverage. Qualifies as a group employer-sponsored plan for employees of U.S. companies. Available to residents of the U.S. age 74 and younger. Includes global travel benefits such as evacuation, repatriation, and AD&D.
Global Citizen EXP
International major medical health coverage for U.S. travelers with a health insurance plan
Annual worldwide health insurance for emergency medical and preventative medical care for individuals and families. Optional prescription drug benefits and global travel benefits such as evacuation, repatriation, and AD&D. Maternity care after a 12-month waiting period. Qualifies as a group employer-sponsored plan for employees of U.S. companies. Exclude coverage in the U.S. for greater premium savings.
Global Navigator
Short-term medical insurance plan for those leaving their home country for at least three months
Global health insurance for preventative and emergency medical care for individuals, their spouses, and dependents. Low deductibles, few pre-certification requirements, and access to one of the largest PPO provider networks in the world.
Global Student USA – most popular student plan
Basic major medical for non U.S. students in the U.S. for educational or research purposes
This major medical plan covers international students ages 14-65 who are in the U.S. for educational reasons. It offers good medical maximums and reasonable deductibles. Coverage for hospital room and board, physician office visits, intensive care, ground transportation and more are included. Global travel benefits include emergency medical evacuation, repatriation, and bedside visits if the insured is hospitalized.
Global Student USA Preferred
Good major medical for non U.S. students in the U.S. for education or research purposes
This plan provides major medical coverage for international students ages 14-65 who are in the U.S. for educational or research purposes. If offers good medical maximums and reasonable deductibles, including coverage for inpatient and outpatient treatment, intensive care, hospital room and board, ground transportation and more. Global travel medical benefits such as emergency medical evacuation is included at a high limit. Repatriation and bedside visits are also included.
U.S. Student Abroad
Essential major medical coverage for U.S. students outside their home country
This is HTH Worldwide’s coverage for U.S. students on international educational trips. Provides essential major medical coverage up to $100,000 and includes coverage for medical and surgical care, hospital room and board, ground transportation, intensive care, and more. Global travel medical benefits include emergency medical evacuation, repatriation, and bedside visits. Includes AD&D for additional protection.
How to Get a Quote
Quote and buy direct: Get a quote directly at the HTH website. A good choice if you know you want an HTH plan and are ready to enroll.
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
Screenshots of HTH Travel Insurance Website
How to Get a Quote
Quote and buy direct: Get a quote directly at the HTH website. A good choice if you know you want an HTH plan and are ready to enroll.
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
NO way! I called to get a clear understanding of their travel protection plan and how things might work with my unique situation. In trying to understand her through the poor headset she was obviously wearing, all she could do is start EVERY sentence with “like I said”, BEFORE she even said anything. She seemed frustrated at every simple question I asked. Worst off when a “sales” rep tells me she “doesn’t know” something that right there is a red flag. I’m looking elsewhere!
Have to agree. Two sales people I spoke to were obviously bored with their jobs, and didn’t know their stuff to boot. They guy I spoke just read the same information I had in front of me in response to questions, and the young woman just didn’t seem to know very much about the product she was selling. I called Roam Right and they were much better, but I was told a dental emergency would not be considered grounds for trip cancellation and I would have no benefits.
Now I’m not planning on anything like this, but can you imagine having to leave on a trip with a nerve in your tooth acting and needing a root canal?
I went back to HTC and bought their insurance, which seemed slightly better on dental emergencies. Then I got access to their “Member Services” site, where I could supposedly access y plan details and certificates. Wrong. The details of my plan weren’t there, or the two details that were were wrong. When I called Customer Service to find out what happened, I was told they didn’t have access to my details, no matter that I have a certificate of coverage number. So you get a number but your data isn’t properly in the system.
So I’m thinking this whole operation is maybe really bad, and I’m thinking of cancelling and going elsewhere. A shame because they have good prices and what seems like it should be good coverage. But I know what kind of time and effort getting services can take when the IT at an operation is off. I don’t want to deal with that kinf=d of frustration, and I don’t want to spend hors on the phone for everything that may come up. I’ve spent a couple of hours on the glitches I’ve run into now. What a pain.
I have spent a good deal of my life traveling and living overseas. HTH is by far the worst company I have ever dealt with. Buyer beware. They are all very nice on the phone, but NOTHING ever really get done, and claims are never paid, I have been waiting for over a year!
Its the most pathetic insurance ever ! I was a member of HTHStudents
I filed a claim around May/June 2011 . It is February 2012. I have called them million times and still no progress.
Every time i call , a new excuse is made !
Hello and thank you for taking the time to post, we really appreciate your feedback. I am very sorry you are having a difficult time getting an answer to your claims inquiry. Please feel free to reach out to me so that I may be able to assist you further. You can reach me at 888-243-2358 or kwhitney@hthworldwide.com.
Sincerely,
Kim Whitney
HTH Customer Service Manager
The service provided by HTH is extremely deceptive: they have nice packages, but will then refuse to sell them to you if they suspect your health is not perfect or may deteriorate during your travels.
My wife and I did get approved, but then all claims got denied because of lack of information. The strange and annoying part about it is that they never told us the claim was lacking details, as a matter of fact one month after submitting the claim when we asked what the status was they told us it was being processed and would be resolved soon so we did not bother to contact them again for another 2 months, thinking it was just slow to process!
What is the point of having travel insurance if you are going to end up spending months fighting for the claim?
I bought a travel policy with a million dollar medical limit for $14 for a 8 day trip and they pick up the full $1,350 hospital bill in London when I tripped and broke my arm. Best $14 I ever spent!!
I’ve used HTH several times after receiving a recommendation from my brother who was on one of the student plans and I have always had a good experience with the company. Last year, when my wife become very ill with food poisoning in Costa Rica, all I had to do was call their 24/7 collect number and they quickly found us a local ER to go to and even set up direct billing so we paid nothing out of pocket and everything was covered in full. Very friendly and knowledgable staff. Highly recommended.
If it were possible to give zero stars, I would do so. This insurance company has not been helpful. Like the other review says, filing claims is a nightmare. My boyfriend and I submitted are claims together in the same email with the same pdf attachments, but for some reasons they only received his claim and not mine. When we were out of the country and needed to come home early due to sickness, we called them to see what we could do and what the insurance would cover. They were not helpful at all and couldn’t give us any information. I advise you to purchase insurance with another company.
The policy choices are very good.
Filing a Claim is a nightmare. I’ve mailed documents, emailed twice and all Customer Service says is we have no claim for you. It has now been SIX weeks and still ‘no claim has been received’.
Everyone is very polite.