HTH Worldwide TravelGap Voyager Insurance
Short-Term Medical Insurance for International Travel
Short-Term Medical Insurance for International Travel
It is a single-trip visitor medical insurance plan specifically designed for U.S. residents traveling outside of the United States. TravelGap Voyager plan includes a pre-existing condition that covers trips up to 180 days with 100% coinsurance. Underwritten by Nationwide Mutual Insurance Company and AM Best Rating: A+. One large difference is this travel medical plan does not require that you are enrolled into a primary health insurance in order to be eligible for coverage.
GeoBlue TravelGap Voyager insurance cost per month ranges from $40 to $825, this is dependent on the age of the traveler, the plan maximum and the deductible.
The cost of TravelGap Voyager is higher for older travelers as they are more likely to need medical care while traveling. Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 95 years can choose maximum limits of $50,000, $100,000, $500,000, $1,000,000.
For example here we are showing GeoBlue TravelGap Voyager cost per month with deductible $250.
| Age of traveler | Medical Maximum | |||
|---|---|---|---|---|
| $50,000 | $100,000 | $500,000 | $1,000,000 | |
| 19 - 29 years | $40 | $44 | $51 | $52 |
| 30 – 39 years | $51 | $57 | $65 | $67 |
| 40 – 49 years | $74 | $82 | $96 | $98 |
| 50 - 59 years | $103 | $114 | $133 | $136 |
| 60 - 69 years | $150 | $166 | $231 | $236 |
| 70 - 74 years | $286 | $316 | $370 | $377 |
| 75 - 84 years | $501 | $554 | $647 | $660 |
| 85 - 95 years | $626 | $692 | $809 | $825 |
| 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% | |
| 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 | 50% of Covered Expenses | |
| Dental Care required due to an Injury | 100% of Covered Expenses up to $300 maximum per Trip Period | |
| Accidental Death and Dismemberment | Maximum Benefit Principal Sum up to $25,000 |
| 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) |
The most important difference is that the Excursion plan does not require the member to have a primary health plan. This affects coverage of pre-existing conditions. There are also some benefit differences that make Excursion an even more affordable option as your single-trip insurance plan. Carefully review the differences below to see which plan will work best for you.
| Insurance plan | TravelGap Voyager | TravelGap Excursion |
|---|---|---|
| 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 |
This TravelGap Voyager international travel medical insurance is eligible for US residents traveling Outside USA. Travlers age must be under 95 years.Primary health care plan is does not required to buy this plan.
Yes. HTH Travelinsurance TravelGap excursion travel insurance covers medical Evacuation covered under pre-existing conditions.
No. This plan offers coverage outside USA.
No. These plans have been approved to be sold to customers purchasing from inside the U.S. You may request a policy extension up to 180 days
Yes, TravelGap Voyager insurance plan meets all Schengen visa requirements. If you're traveling to a country within the Schengen area, you may be required depending on your nationality to provide proof that your insurance includes specific benefits. We can supply a visa letter confirming that your policy meets all Schengen visa standards. This letter includes the exact wording typically required by consulates.
TravelGap Voyager plan may be purchased up to one day before your departure date. Customers wishing to receive a hard copy ID card should allow 2 weeks prior to their effective date when purchasing.
This plan can be available from 1 day to 180 days.
Pre-Existing medical conditions are treated differently depending upon the plan you have selected. For travelers who enroll in the single trip plan option that requires maintaining a primary insurance inside the U.S., this plan will cover medical treatments for pre-existing conditions. Please refer to the definition of a primary health plan for more specific information on what plans qualify as a primary insurance.
For travelers who enroll in the single trip plan option that does not require maintaining a primary insurance inside the U.S., benefits are not available for any services received on or within 6 months after the Eligibility Date of an Insured Person, if those services are related to a Pre-Existing Condition as defined in the Definitions section of the Plan Description. This exclusion does not apply to a newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.
The pre-existing conditions exclusion under this second plan option does not apply to the Medical Evacuation benefit, Repatriation of Remains benefit, or the Bedside Visit benefit and does not require that insureds have primary insurance at the time of enrollment.
These plans are secondary insurance. However, we will process and pay claims as a primary payor and reserve the right, where applicable, to contact your primary insurance company to coordinate benefits.
Yes. HTH Worldwide travel insurance TravelGap Voyager plan do not exclude illnesses or injuries related to terrorism or a terrorist act. In order to be covered in countries where there are open hostilities, such as Ukraine, a member must not be engaged in hostile or combative activities.