HTH Worldwide/Insider















Pros

Three plans to choose from

Reasonable premiums

High medical emergency and evacuation coverage








Cons

Baggage delay coverage not as generous as what some competitors offer



















More Information

Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan

Cancel for any reason insurance and missed connection insurance available with the Preferred plan

Baggage delay insurance starting after 24 or 12 hours depending on the plan












No one likes to think about what could go wrong on vacation, but the truth is that anything can happen. That's why travel insurance is so important — it can help you recover from any unexpected emergencies that may occur while you're away from home.
If you're looking for a reputable travel insurance company, HTH Worldwide is a great option. It's been in business for over 20 years and offers three different travel insurance plans. Whether you need basic coverage or more comprehensive protection, HTH Worldwide likely has a plan that will suit your needs.

Travel insurance plans from HTH Worldwide
HTH Worldwide offers three primary plans: TripProtector Economy, Classic, and Preferred. Each plan has different coverage levels and features, so you can choose the one that best fits your needs. But they'll all cover (up to a specified amount) things like trip cancellation and interruption, emergency medical expenses, lost or delayed luggage, and more.
One important note, though, is that the TripProtector Economy plan is not available for trips where the per-person cost is greater than $5,000.
Below you'll find the per person coverage limits of HTH Worldwide's three travel insurance plans:
These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts. 
Additional coverage options from HTH Worldwide
In addition to the three primary plans, HTH Worldwide also offers the following two plans for travelers only looking for travel medical coverage:
Single-trip option for travelers with primary health insurance — HTH Worldwide provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500.
Single-trip option for travelers without primary health insurance — This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.

The following two HTH Worldwide plans are designed for people who live or work outside their home country:
Xplorer plan: — This plan is for individuals and families who intend to be outside their home country for more than three months per year.
Navigator plan — This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.

Like to other travel insurance providers, HTH Worldwide offers additional coverages that can be purchased along with the primary policy. These add-ons are only available for a Preferred plan, not an Economy or Classic plan.
The add-ons include:
CFAR (cancel for any reason) coverage — Will pay 75% of any prepaid trip expenses. You must purchase coverage within 10 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure.
Collision Damage Waiver (CDW) — Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)

How much does travel insurance from HTH Worldwide cost?
It's fast and simple to get a quote from HTH Worldwide. Visit its website and provide basic information about your trip. You'll receive an immediate quotation for the insurance plans available for your journey, so it's simple to compare each one. Make sure you have all of the following items on hand:
Primary destination 
Age of travelers
The total cost of your trip
Travel dates
State of residence

Travel insurance from HTH Worldwide will usually cost 4% to 8% of the total trip cost, depending on the trip details and age of the traveler. Below are a few real-world examples of coverage options and pricing from HTH Worldwide.
The first example shows premiums for a 45-year-old resident of Arizona traveling to Germany and spending $6,000 on the trip.
As you can see, the TripProtector Economy plan isn't an option (due to the cost of the trip being over $5,000), but the Classic plan costs $337 and the Preferred plan costs $451.





HTH Worldwide


This next example shows coverage options for a 35-year-old California resident vacationing in Mexico, with a trip cost of $4,000. As expected, the higher-tier options cost more. But even the most expensive option is just 5% of the total trip cost.





HTH Worldwide


Lastly, let's look at a $5,000 trip to New Zealand for a 55-year-old resident of Georgia. As a percentage of the total trip costs, these are the highest premiums out of the three examples. But that's to be expected given the age of our fictitious traveler.





HTH Worldwide


Again, the premium you'll pay will vary based on your age and trip details. But these quotes are within the industry average when it comes to what percentage of your total trip cost you'll pay. Regardless of which insurance provider you choose, in general, you should expect to pay between 4% and 8% of the overall cost of your trip.
How do I file a claim with HTH Worldwide?
For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at For all other claims, you can call 866-655-3058.
Be sure to provide supporting documentation when filing a claim. You can find HTH Worldwide's claim forms here.


Insider's Featured Travel Insurance Companies








Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.






Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.















Editor's Rating



4.5/5


A five pointed star









A five pointed star









A five pointed star









A five pointed star









A five pointed star






















Editor's Rating



4.7/5


A five pointed star









A five pointed star









A five pointed star









A five pointed star









A five pointed star






















Editor's Rating



4.45/5


A five pointed star









A five pointed star









A five pointed star









A five pointed star









A five pointed star


























Compare HTH Worldwide vs Allianz
If you look at coverage with Allianz, you'll see that you can select from 10 different insurance plans. Much like HTH Worldwide, Allianz offers single-trip policies and options for those who plan to be outside the country for longer. And, like with all insurance, the different plans provide varying degrees of coverage.
Allianz's most popular single-trip option is the OneTrip Prime plan, which offers: 
Trip cancellation coverage up to $100,000
Trip interruption coverage up to $150,000
Emergency medical coverage for $50,000
Coverage for baggage loss, theft or damage up to $1,000 
Travel delay coverage up to $800

Compare that to HTH's most popular TripProtector Preferred Plan and you'll see that HTH's emergency medical coverage limit is substantially higher. But Allianz's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.
Compare HTH Worldwide vs Nationwide
Amongst insurance providers, Nationwide is a familiar household name. Much like HTH Worldwide, Nationwide offers straightforward coverage with only two single-trip plans: the Essential Plan and the Prime Plan. Furthermore, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year.
To compare Nationwide and HTH, we took a look at both companies' highest-tier plans.
Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.
In comparison, HTH's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million. 
The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.
Compare HTH Worldwide vs credit card insurance
It's worthwhile to review the insurance coverage offered by your travel rewards credit cards before you buy a separate travel insurance policy. Some essential coverages, like rental car insurance, might already be included with a card you have.
The coverage from your credit card may be enough if, for example, you don't have any non-refundable trip expenses and you're driving to your destination. Another scenario that could suffice is if your health insurance covers you while abroad, you're in decent health, and you aren't too concerned with potential medical costs while traveling.  
It's essential to remember that credit card coverage is usually secondary to the primary coverage you'd get with a travel insurance policy. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.
Methodology
In reviewing HTH Worldwide's travel insurance offerings, we considered things like different types of coverage available, claim limits, what expenses are included, available add-ons, and typical policy costs. And we compared them to similar plans from other reputable companies.  
The best policy for you is the one that offers the appropriate amount and type of coverage given your needs and budget. It should also be easy to use in case you ever need to make a claim.
HTH Worldwide — frequently asked questions (FAQ)





Yes, HTH Worldwide is a leading provider of international health insurance for travelers. Founded in 1997 as Highway to Health, Inc., HTH Worldwide has since become one of the most reputable suppliers of worldwide health and travel insurance.











It depends on the specifics of the policy you purchase. Generally speaking, travel insurance policies usually cover all countries except your home country. However, there may also be exclusions for certain countries if a particular country is experiencing terrorism or war.

Source: Business Insider

Powered by NewsAPI.org