HTH Worldwide TravelGap Gold Insurance
HTH Worldwide TravelGap Gold is a single-trip travel medical insurance plan for U.S. residents traveling internationally. It offers up to $1,000,000 coverage for eligible medical expenses and emergency medical evacuation.
What is TravelGap Gold Insurance?
TravelGap Gold Insurance is a single-trip international travel medical insurance plan from HTH Worldwide, designed primarily for U.S. residents traveling outside the United States. It provides coverage for eligible medical expenses during international trips, with medical maximums ranging from $50,000 to $1 million and deductible options from $0 to $500.
TravelGap Gold does not require a primary health insurance plan and can cover trips of up to 6 months. The plan offers 100% coinsurance for eligible covered expenses, helping travelers manage unexpected medical costs while abroad. It is underwritten by Nationwide Mutual Insurance Company and has an AM Best rating of A (Excellent).
What is great about this plan: This policy offers up to a million dollar coverage for US residents traveling outside the US.
Downsides to this plan: It is only available for US residents traveling outside the US. It does not cover pre-existing medical conditions. If you want coverage for pre-existing medical conditions, you can opt for the Single Trip Platinum plan.
Who Should Buy TravelGap Gold Insurance?
Ideal for U.S. residents traveling outside the USA who want comprehensive international travel medical insurance.
Protects against major unexpected medical expenses while keeping premiums low, with flexible coverage periods.
Suitable for short-term business, educational, missionary, or other international travel requiring medical coverage.
Offers medical maximums up to $1,000,000, with emergency medical evacuation coverage up to $500,000.
Travelers who are not U.S. residents or need coverage while traveling within the USA. The plan is designed specifically for U.S. residents traveling outside the United States.
Why Choose HTH Worldwide TravelGap Gold Insurance?
HTH Worldwide TravelGap Gold is designed for U.S. residents traveling outside the United States who want affordable international travel medical insurance with coverage options up to $1 million. It is suitable for leisure, business, educational, and missionary travel, with flexible deductibles and coverage for trips of up to 180 days.
Emergency Medical Evacuation
TravelGap Gold provides emergency medical evacuation coverage up to $500,000 per trip period, helping cover eligible transportation expenses when medically necessary care is not available at the current location.
Pre-existing Condition Benefits
TravelGap Gold provides certain benefits related to pre-existing conditions, including medical services and medical evacuation, subject to the specific plan terms, eligibility requirements, and applicable exclusions.
Coverage for Travelers Up to Age 95
TravelGap Gold is available to eligible U.S. residents age 95 or younger traveling outside the U.S. for 24+ hours. No primary health insurance is required.
Affordable International Travel Medical Insurance
TravelGap Gold offers affordable international travel medical coverage, with premiums starting around $39 for 30 days for eligible younger travelers. Actual rates vary by age, coverage, deductible, and trip details.
100% Covered Eligible Medical Expenses
TravelGap Gold covers 100% of eligible medical expenses, including hospitalization, surgery, doctor visits, diagnostics, and outpatient prescriptions, subject to the deductible and policy terms.
Trip Interruption & Baggage Benefits
TravelGap Gold offers up to $1,000 for trip interruption and $500 for baggage and personal effects, subject to policy limits.
What Are the Maximum Coverage Limits for TravelGap Gold Insurance?
The HTH Worldwide TravelGap Gold Insurance offers flexible policy maximum options to help travelers choose medical coverage based on their needs and age.
This international travel medical insurance provides several maximum medical coverage options, with coverage available up to $1,000,000. The policy maximum is the total amount payable for eligible medical benefits under the plan.
- Ages 18–95: Choose from $50,000, $100,000, $500,000, or $1,000,000 maximum medical coverage.
What Is a Deductible in TravelGap Gold Insurance?
The deductible is the amount the insured must pay before TravelGap Gold insurance starts covering eligible medical expenses.
This premium HTH Worldwide visitor insurance plan allows travelers to choose a deductible based on their budget, travel duration, and preferred out-of-pocket cost.
Lower deductibles usually result in higher premiums, while higher deductibles can help reduce the monthly insurance cost.
For most visitors, the $250 deductible offers the best balance of premium savings and manageable out-of-pocket cost if you need care. Healthy younger visitors can consider $250 or $500.
| Deductible | Premium Impact | Best For |
|---|---|---|
| $0 | Highest premium | Travelers wanting minimal out-of-pocket medical expenses |
| $100 | High premium | Travelers preferring lower upfront medical costs |
| $250 | Moderate | Travelers looking for a balance between premium and deductible |
| $500 | Lower premium | Healthy travelers wanting to reduce premium costs |
Who is Eligible for Travel Gap Gold Insurance Plan?
- Age Eligibility: Travelers must be 95 years old or younger to qualify.
- International Travel: Must be traveling outside the United States and spend at least 24 hours away from home.
- U.S. Residency: The applicant's home country must be the United States.
- No Primary Health Insurance Required: The plan does not require a primary health insurance policy, making it convenient for eligible travelers.
Can the TravelGap Gold Insurance Plan Be Extended or Renewed?
- Each policy period can be purchased for a maximum of 6 months, subject to the plan’s eligibility requirements.
- A $5 renewal fee is charged in addition to the applicable premium when renewing the policy.
- Renewal allows eligible travelers to continue their international travel medical insurance coverage beyond the initial policy period.
- Renewal is subject to the plan’s terms, conditions, eligibility requirements, and availability at the time of renewal.
How Much Does TravelGap Gold Insurance Cost?
The cost of TravelGap Gold Insurance ranges from $39 to $780, depending on the traveler’s age, selected plan maximum, and deductible.
The table below shows sample monthly rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
| Age of traveler | $50,000 | $100,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 18 – 29 years | $39 | $44 | $48 | $49 |
| 30–39 years | $47 | $52 | $57 | $58 |
| 40 – 49 years | $66 | $73 | $81 | $83 |
| 50 – 59 years | $108 | $119 | $131 | $134 |
| 60 -64 years | $142 | $157 | $174 | $177 |
| 65 – 69 years | $166 | $183 | $202 | $206 |
| 70 – 74 years | $266 | $294 | $324 | $331 |
| 75 – 84 years | $426 | $470 | $519 | $530 |
| 85 – 95 years | $694 | $767 | $845 | $864 |
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Deductible Adjustment Factors
Multiply the base rate above by the factor for your chosen deductible:
What Are the Benefits of TravelGap Gold Insurance?
| 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% |
| Surgery, X-rays, In-hospital doctor visits | 100% |
| Office Visits: including X-rays and lab work billed by the attending physician | 100% |
| Ambulatory Surgical Center | 100% |
| Outside the U.S. Outpatient prescription drugs | 100% of Covered Expenses |
| Dental Care required due to an Injury | 100% of Covered Expenses up to $500 maximum per Trip Period |
| Accidental Death and Dismemberment | Maximum Benefit Principal Sum up to $50,000 |
| Repatriation of Remains | Maximum Benefit up to $25,000 |
| Medical Evacuation | Maximum Benefit per Trip Period for all Evacuations up to $500,000 |
| Transportation to Join the Insured | Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip airfare ticket to the place of the Hospital Confinement for one (1) person |
| Trip Interruption | Maximum Benefit of $1,000 per Trip Period |
| Baggage/Personal Effects | Maximum Benefit up to $500 ($100 limit per article) |
Pros & Cons of TravelGap Gold Insurance
TravelGap Gold advantages
7 benefitsUp to $1 million in medical coverage for eligible international travel medical expenses
Emergency medical evacuation coverage up to $500,000 for eligible emergency transportation
100% coverage for eligible expenses for covered services, subject to the selected deductible
Coverage available for travelers up to age 95, subject to eligibility requirements
Trip interruption coverage up to $1,000 for eligible covered events
Baggage and personal effects coverage up to $500 for eligible losses
No primary health insurance requirement, making it a convenient option for eligible U.S. residents traveling internationally
TravelGap Gold disadvantages
6 limitsFor international travel only not a replacement for U.S. health insurance
Pre-existing condition coverage is limited and subject to specific eligibility requirements and exclusions
Deductibles apply depending on the coverage option selected
Benefit limits apply to evacuation, baggage, and trip interruption
Coverage exclusions and limitations apply to certain medical conditions, treatments, and activities
Not intended for long-term health coverage designed for eligible international trips
TravelGap Gold Insurance - FAQ's
What Is the Difference Between TravelGap Platinum and TravelGap Gold Insurance?
| Insurance plan | TravelGap Gold | TravelGap Platinum |
|---|---|---|
| Primary Health Plan Required | No | Yes |
| Pre-existing Conditions Covered | 180 Day Exclusion | No Exclusion Period |
| Outpatient Prescription Drug Reimbursement | 50% up to $5,000, Outside the U.S. | 100% up to $5,000, Outside the U.S. |
| Maximum Accidental Death & Dismemberment Coverage | $25,000 | $50,000 |
| Post Departure Trip Interruption Quarantine Coverage | Lodging & Incidentals Maximum benefit of $25 per day, up to 10 days | Lodging & Incidentals Maximum benefit of $50 per day, up to 10 days |
| Cost | shopping_cartBuy Now | shopping_cartBuy Now |
Why Should I Buy TravelGap Gold Insurance on American Visitor Insurance?
American Visitor Insurance offers a simple and reliable way to choose the right medical insurance for tourists with confidence and purchase your plan online in minutes.
Easy Plan Comparison and Purchase: You can buy TravelGap Gold Insurance online through American Visitor while reviewing plan details, understanding coverage options, and comparing benefits and pricing all in one place. This makes it simple to choose the right plan and complete your purchase securely in just a few minutes.
Helpful Resources for Better Decisions: We offer detailed FAQs, blog and guides based on real customer questions. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
Experienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers by answering questions, clarifying plan details, and helping them choose the right HTH-Worldwide plan.
Support When You Need It: With support teams across both the East and West Coast of the US, we are available across multiple time zones to assist you with the application process and help guide you through claims if needed during your trip.
Licensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).