HTH Worldwide travel Insurance Review & Ratings (2024)

What You Should Know About HTH Worldwide travel Insurance

Welcome to HTH Worldwide travel insurance, your trusted resource for comprehensive coverage and peace of mind during your travels. Whether you’re planning a family vacation, a solo adventure, or a business trip, it’s essential to protect yourself against unforeseen events that can disrupt your plans.

We also offer trip cancellation/interruption coverage to reimburse you for non-refundable expenses if your trip is canceled or cut short due to covered reasons. To ensure you receive the best rates and coverage from top insurance providers, simply enter your zip code below and compare quotes hassle-free.

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.

HTH Worldwide travel Insurance Coverage Options

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.

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.

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

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)

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.

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.

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.

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HTH Worldwide travel Insurance Rates Breakdown

One of the critical factors in choosing travel insurance is understanding the associated costs. HTH Worldwide Travel Insurance offers various plans to cater to different travel needs, each with its own pricing structure. In this section, we will explore the cost of HTH Worldwide Travel Insurance and delve into the coverage options provided by the company.

HTH Worldwide travel Insurance Discounts Available

HTH Worldwide understands the value of providing affordable and accessible travel insurance. To make their coverage even more enticing, they offer a range of discounts to cater to different travelers. Here are some noteworthy discounts you can take advantage of:

• Multi-Trip Discounts: If you’re a frequent traveler, HTH provides discounts for purchasing coverage for multiple trips. This is a cost-effective option for those who find themselves jet-setting throughout the year.
• Family Plans: Families can enjoy special discounts when purchasing travel insurance together. This comprehensive coverage ensures that everyone in the family is protected during their adventures.
• Group Discounts: Traveling with a group? HTH offers discounts for group travel, making it more affordable for friends, colleagues, or travel groups to secure comprehensive coverage together.
• Early Bird Discounts: Planning your trip well in advance? HTH rewards early birds with discounts for purchasing travel insurance ahead of time. This not only saves you money but ensures you’re covered from the moment you start planning.
• Student Discounts: Recognizing the unique needs of students studying abroad, HTH provides special discounts for student travelers. This makes it easier for students to access reliable coverage while pursuing their educational adventures.
• Senior Discounts: HTH Worldwide acknowledges the diverse age groups of travelers. Seniors can benefit from discounts tailored to meet their specific needs, ensuring affordable coverage for their travel experiences.
• Referral Discounts: Sharing the benefits of HTH Worldwide with friends can be rewarding. The company often offers referral discounts, encouraging you to spread the word about their reliable and affordable travel insurance.
• Online Purchase Discounts: Emphasizing the importance of digital convenience, HTH may offer exclusive discounts for those who purchase their travel insurance policies online. This not only saves you money but also streamlines the purchasing process.
• Special Promotions: Keep an eye out for special promotions and seasonal discounts offered by HTH. These limited-time offers can provide additional savings for savvy travelers who time their purchases strategically.

Before purchasing your travel insurance, it’s advisable to check the latest offerings and promotions on the HTH Worldwide website or contact their customer service for the most up-to-date information on available discounts. Taking advantage of these discounts ensures you get the best value for your travel insurance investment.

Mastering HTH Worldwide Travel Insurance Claims Protocol

Ease of Filing a Claim

HTH Worldwide travel insurance offers multiple convenient methods for filing a claim. Travelers can submit their claims online through the insurer’s user-friendly portal, ensuring a hassle-free experience. Alternatively, they can opt to file claims over the phone or via the dedicated mobile app, providing flexibility and accessibility in times of need.

Average Claim Processing Time

When it comes to the speed of claim processing, HTH Worldwide has established a reputation for efficiency. On average, the insurer processes claims swiftly, helping travelers get the financial assistance they require promptly. This rapid turnaround time can alleviate the stress associated with unexpected travel disruptions.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurer’s performance, and HTH Worldwide receives positive reviews for its claim resolutions and payouts. Travelers have expressed satisfaction with the insurer’s responsiveness and willingness to provide assistance when needed. This positive sentiment underscores HTH Worldwide’s commitment to ensuring a smooth claims experience for its policyholders.

HTH Worldwide Travel Insurance Digital and Technological Solutions: Setting the Bar High

Mobile App Features and Functionality

HTH Worldwide offers a comprehensive mobile app equipped with a range of features to enhance the travel insurance experience. Users can easily access policy information, file claims, and receive real-time updates on their coverage. The app’s user-friendly interface and robust functionality make it a valuable tool for travelers seeking convenience and peace of mind.

Online Account Management Capabilities

Managing your travel insurance policy has never been more convenient, thanks to HTH Worldwide’s online account management capabilities. Policyholders can access and update their account information, review policy details, and make payments with ease. This online portal simplifies the administrative aspects of travel insurance, allowing travelers to focus on enjoying their journeys.

Digital Tools and Resources

HTH Worldwide provides policyholders with an array of digital tools and resources to aid them in planning and safeguarding their trips. These resources include travel advisories, destination-specific information, and emergency contact details. By offering these digital assets, HTH Worldwide empowers travelers with the information they need to make informed decisions and stay safe while abroad.

How HTH Worldwide travel Insurance Ranks Among Providers

HTH Worldwide Travel Insurance operates in a competitive market where several companies offer similar services. Understanding the main competitors in the travel insurance industry provides valuable insights for consumers looking to make informed decisions. Here are some of HTH Worldwide’s main competitors:

• World Nomads: World Nomads is known for its flexibility, catering to adventurous travelers and providing coverage for a wide range of activities. They often appeal to backpackers and those seeking coverage for unique and unconventional travel experiences.
• Allianz Global Assistance: Allianz is a global insurance giant offering diverse travel insurance plans. With a broad range of coverage options, including single-trip and multi-trip plans, Allianz is known for its financial stability and extensive network of services.
• AXA Assistance: AXA, a well-established insurance brand, offers comprehensive travel insurance with a focus on various coverage options. Their reputation for financial strength and reliability contributes to their competitiveness in the market.
• Travel Guard (AIG): Travel Guard, a part of AIG, provides a wide array of travel insurance plans, including coverage for trip interruption, medical emergencies, and baggage loss. AIG’s global presence and reputation add to the appeal of their offerings.
• InsureMyTrip: InsureMyTrip functions as a comparison platform, allowing users to assess various travel insurance plans, including those offered by HTH Worldwide. It provides a valuable service for travelers looking to compare options easily.

Each competitor in the travel insurance industry has its unique strengths and may cater to specific types of travelers or travel scenarios. Understanding the nuances of coverage, pricing, and additional benefits offered by these competitors is crucial for travelers seeking the most suitable insurance plan for their journeys.

Customer Reviews for HTH Worldwide Travel Insurance:

• “Exceptional Coverage and Service! I recently used HTH Worldwide for my international trip, and I’m beyond pleased. The TripProtector Preferred Plan with the ‘Cancel for any reason’ upgrade saved my trip when unexpected circumstances arose. Kudos to HTH for providing top-notch coverage and an easy claims process. – Sarah T.”
• “Reliable Travel Companion! As a frequent traveler, HTH Worldwide has consistently met my expectations. The TripProtector Classic Plan offered comprehensive coverage, and their customer service team is fantastic. Quick responses and availability around the clock. HTH has become my go-to for worry-free travel. – David M.”
• “Perfect for Short-Term Travel! I chose HTH’s Single-Trip option without primary health insurance for my short international trip. Clear policy terms, no surprises, and the HTH Direct Billing program saved me from financial hassles. A great experience overall! – Emily R.”
• “COVID Peace of Mind! HTH Worldwide’s COVID Quarantine Travel Insurance made my journey during the pandemic stress-free. Their coverage for trip delays due to COVID restrictions was a game-changer. Kudos to HTH for excellent communication and support. – Michael H.”
• “Digital Excellence! HTH Worldwide’s digital solutions are impressive. The mobile app is user-friendly, and online account management is a breeze. The range of digital tools and resources shows their commitment to customer safety. Great job! – Jennifer S.”

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