HTH Worldwide Travel Insurance Review & Ratings (2023)

HTH Travel Insurance offers a variety of packages and policies that cover things like trip cancellation, lost baggage, and medical emergencies. HTH Worldwide travel insurance plans are available for single trips or for frequent travelers. There is an HTH COVID-19 travel insurance package that will cover trip delays caused by travel restrictions or other pandemic-related issues.

UPDATED: Jun 28, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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The Rundown

  • HTH Worldwide include coverage for hospital care, surgery, office visits, prescription drugs, and medical evacuations
  • HTH offers six different travel insurance plans
  • A COVID-19 Quarantine travel insurance package is available through HTH Worldwide

Whether a business person, student, traveling individually or in a group, HTH Worldwide Travel is an insurance company that offers different types of traveling insurance policies.

HTH Travel Insurance offers policies for those who do not have primary health insurance and policies for those who do.

Make sure that you have travel insurance before you leave the country. Enter your ZIP code and get a free quote today.

What is HTH Worldwide Travel?

HTH Travel Insurance is a division of Worldwide Insurance Services, LLC that offers a variety of travel medical insurance plans to world travelers. These plans include coverage for hospital care, surgery, office visits, prescription drugs, and medical evacuations.

More than 180 countries offer trusted English-speaking physicians and medical professionals to support these medical insurance plans.

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Why types of travel insurance does HTH Worldwide offer?

For those traveling internationally, HTH Worldwide Travel Insurance offers a variety of travel insurance plans, whether for those taking a vacation, students, or business travelers.

Highway to Health, Inc., better known as HTH Worldwide Travel, offers six travel insurance plans.

  1. HTH TripProtector Preferred Plan
    • “Cancel for any reason” (CFAR) upgrade: This upgrade has to be purchased within 10 days of your first trip deposit. It can pay up to 75% of your non-refundable trip payments if you cancel your trip two days before your scheduled departure date. With this upgrade, you can cancel for any reason that is not listed in the base policy.
    • Collision damage waiver: If your rental car is damaged due to a crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control, then this waiver will cover you.
  2. TripProtector Economy Plan: This plan is a comprehensive plan, and includes the following:
    • $250,000 for medical sickness and injury coverage
    • $1 million for medical transportation coverage
    • $250 ($1,000 maximum) baggage personal effects coverage per item
    • $500 missed connection coverage
    • $200 ($1,000 maximum) daily trip delay coverage after a six-hour delay
  3. TripProtector Classic Plan: TripProtector Classic offers the following:
    • $250,000 for medical sickness and injury coverage
    • $1 million in medical transportation coverage
    • $250 ($1,000 maximum) baggage and personal effects coverage per item
    • $500 missed connection coverage
    • $200 daily trip delay coverage after a six-hour delay ($1,000 maximum)
  4. Single-Trip option (with primary health insurance): A short-term international medical plan is available for travelers who already have primary health insurance. It covers pre-existing conditions for both medical costs and medical evacuations. Benefits range from $50,000 to $1 million and deductibles from $0 to $500.
  5. Single-Trip option (without primary health insurance): This plan has the same coverages as above, but it’s for international travelers that do not have their own health plan.
  6. International expatriate health insurance: This plan offers international health insurance for different types of individuals and families.
    • Xplorer: For an individual or a family who plans to be outside their home country for a minimum of three months to a year, international health insurance plans are available with the Xplorer plan.
    • Navigator: Students, faculty, mission, and maritime crews who plan to be outside of their home country for at least three months a year can get international health insurance with the Navigator plan.

HTH also has a program known as the HTH Direct Billing program. If you are enrolled in this program, then the company will pay for your medical bills upfront, as long as the traveler visits one physician in the HTH medical network.

To enroll in this program, contact HTH Worldwide Services through the 24-hour assistance line, email, or the mPassport app before making an appointment. A representative can help you set up an appointment at an approved medical facility and physician, then pay your bill.

What is not covered by HTH travel insurance plans?

When traveling internationally, it is important to have your ducks in a row and know how you’re covered and to what extent. Some of the best insurance companies have exclusions. It’s a standard part of an insurance policy.

Travel insurance plans are no exception. With the HTH Worldwide’s TripProtector Preferred plan, the following are excluded:

  • Being under the influence of intoxicants or drugs
  • Extreme sports
  • Participation in professional athletics
  • Dental treatment
  • Pregnancy and childbirth
  • Cosmetic surgery
  • Mental or emotional disorders
  • Intentionally self-inflicted injuries
  • Suicide or attempted suicide

Make sure you review all of the exclusions on your plan before you travel.

Does HTH Worldwide offer any COVID-19 help?

With the world being in the midst of the COVID-19 pandemic, HTH Worldwide now offers COVID Quarantine Travel Insurance.

The TripProtector plan offers coverage for accommodations due to a covered trip delay – such as one caused by COVID travel restrictions. The maximum coverage is $2,000 or $200 per day for six hours.

This insurance package is for U.S. citizens and U.S. residents traveling outside of the U.S. It also includes $500,000 for sickness and injury and $1,000,000 for medical transportation.

How can I contact HTH Worldwide?

This insurance company has different lines of communication for its U.S. customers, Canadian customers, and International customers.

For U.S. customers, a representative is available to you Monday – Friday from 8 a.m. – 9 p.m. EST and Saturday – Sunday from 9 a.m. – 6 p.m. EST at 800-487-4722 or 401-773-9300.

Canadian customers can call 800-551-1337 or 401-773-9330 from Monday – Friday from 8 a.m. – 9 p.m. EST.

International customers can reach a representative Monday – Friday from 8 a.m. – 9 p.m. EST and Saturday – Sunday from 9 a.m. – 6 p.m. EST at 00 1-401-773-9330.

HTH has a fax number, 401-921-4530 and, an email of [email protected]

Whenever you travel, you should be prepared for the unexpected. Travel insurance can protect you from the financial burden of surprises like illness or lost baggage. HTH offers a number of package policies to fit various needs and budgets. 

Find the right travel insurance for you. Enter your ZIP code and get a free quote today. 

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