HTH Worldwide

HTH Worldwide Group Essential Insurance

Short term international travel medical plan for leisure, missionary or business travel.

What is HTH Group Essential travel insurance?

GeoBlue Essential Group insurance provides short-term health and accident insurance for international travel groups of five or more people. GeoBlue Essential Group plan offers varying medical limits and deductibles and offers coverage for trips outside the U.S. up to 6 months for individuals up to the age of 95 years.

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HTH Worldwide Group Essential Insurance Reviews

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Rating
AM Rating: A Excellent.
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Underwriter
4 Ever Life
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Coverage Type
Primary
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Maximum limits
Maximum limits from $50,000; $100,000; $500,000; $1,000,000
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Deductible options
Deductible options from
$0, $100, $250, $500

How much coverage does Geoblue Essential Group insurance offers?

The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Geoblue Essential Group insurance. Once reached, no other benefits will be available. Geoblue Essential Group insurance has policy maximum options of $50,000; $100,000; $500,000; $1,000,000

What is a deductible in Geoblue Essential Group insurance?

The deductible is the Dollar amount that insured travelers need to pay for coverage before the Geoblue Essential Group travel insurance actually starts to pay. Geoblue Essential Group insurance has deductible options of $0, $100, $250, $500

What are the key highlights of Group Essential insurance?

  • Single Trip Option for Travelers without Primary Health Insurance
  • Choice of varying medical limits and deductibles
  • For trips up to 6 months for ages 95 or younger
  • Covers pre-existing conditions for medical evacuation
  • Ideal for international leisure, missionary or business travel.
  • For trips up to 6 months for ages 84 or younger.
  • Post-departure trip interruption transportation up to $1,000
  • No hospital pre-certification penalty.

Who is eligible for Group Essential insurance plan?

  • Applicant's home country must be the US.
  • Applicant's age must be under 95 years.
  • Travelers enrolled in a primary plan are eligible.
  • The initial payment must be made in the home country before departing from one of these states.
  • For children under age 6, must be enrolled with a parent, aunt, uncle or grandparent.

What are the benefits of Group Essential insurance?

  • Professional Services:
    Surgery, anesthesia, in-hospital doctor visits, diagnostic X-ray and lab 100%
    Office Visits: including X-rays and lab work billed by the attending physician 100%
    Inpatient Hospital Services:
    Surgery, X-rays, In-hospital doctor visits 100%
    Inpatient medical emergency 100%
    Ambulatory Surgical Center 100%
    Ambulance Service (non-Medical Evacuation) 100% up to $1000
  • Outside the U.S. Outpatient prescription drugs 50% of Reasonable charges up to $5,000
    Dental Care required due to an Injury 100% of Reasonable Charges with a maximum benefit of $300 per Trip Period
    Dental Care for Relief of Pain 100% of Reasonable Charges with a maximum benefit of $250 per Trip Period
    Physical and Occupational Therapy 6 visits per Period of Insurance, $100 Maximum payment per visit
  • Accidental Death and Dismemberment Maximum Benefit Principal Sum up to $25,000
    Repatriation of Remains Maximum Benefit up to $25,000
    Dental Care for Relief of Pain 100% of Reasonable Charges with a maximum benefit of $250 per Trip Period
    Emergency Medical Transportation Maximum Benefit per Trip Period for all Evacuations up to $500,000
    Emergency Family Travel Arrangements Covered up to $2,500
    Lost Baggage & Personal Effects Coverage* Maximum benefit of $500 per Trip Period and limited to $100 maximum benefit per bag or Personal Effect
    Post Departure Trip Interruption Transportation* Maximum benefit of $1,000 per Trip Period
    Post Departure Trip Interruption Quarantine Coverage* Lodging & Incidentals Maximum benefit of $25 per day, up to 10 days

Essential Group Insurance - Common questions

1. What is Essential Group Insurance?

Essential Group Insurance is a comprehensive international travel insurance plan designed specifically for groups of five or more individuals traveling outside of the United States. It offers coverage for a variety of medical emergencies and unforeseen circumstances.

2. Who is eligible for Essential Group Insurance?

Groups of five or more individuals traveling for leisure, educational, missionary, or business purposes are eligible for Essential Group Insurance.

3. What is covered under Essential Group Insurance?

Essential Group Insurance covers a wide range of medical expenses, including doctor visits, hospitalizations, surgeries, and emergency medical evacuations. It also covers certain non-medical expenses like trip interruption and baggage loss

4. How do I file a claim with Essential Group Insurance?

To file a claim, you can contact the 24/7 emergency assistance hotline provided by GeoBlue. They will guide you through the claims process and provide necessary documentation.

5. What is the claim process for Essential Group Insurance?

The claims process typically involves providing the necessary medical documentation, such as bills and receipts. GeoBlue will review the claim and process it as quickly as possible.

6. What is the pre-existing condition waiver period for Essential Group Insurance?

Essential Group Insurance offers a 180-day pre-existing condition waiver period, meaning that pre-existing conditions will be covered after this period.

7. Does Essential Group Insurance cover COVID-19-related expenses?

Yes, Essential Group Insurance provides coverage for COVID-19-related medical expenses, including testing and treatment.

8. How do I get a quote for Essential Group Insurance?

You can get a quote for Essential Group Insurance by contacting American Visitor Insurance or calling us at 877-340-7910.