Trip Protector is a comprehensive coverage designed for U.S. residents traveling domestically or internationally. This plan to protect you while traveling. Trip Protector includes medical protection, trip cancellation, trip interruption, baggage protection and more. It's the coverage and service you need to help you identify, access and pay for healthcare services in 190 countries. Trip Protector insurance also makes you eligible for the HTH Global Health and Safety Resources.
Trip Protector insurance plan has three options:
Your vacation is an investment that can be easily protected with coverage for certain expenses should circumstances force you to cancel or interrupt your trip:
| Compare Travel Plans |
Trip Protector Economy |
Trip Protector Classic |
Trip Protector Preferred |
|---|---|---|---|
| Baggage Delay | More than 24hrs, $100 | More than 24hrs, $200 | More than 24hrs, $400 |
| Pre-Existing Condition Waiver(60 day look back prior to Effective Date) | cancel | Yes, if purchased within 14days of initial deposit | Yes, if purchased within 21days of initial deposit |
| Baggage/personal Effects | $250 per item max $750 | $250 per item max $1,000 | $250 per item max $2,000 |
| Missed Connection | $250 | $500 | $1,000 |
| Trip Delay | More than 8hrs, $100 per day, $500 max | More than 6hrs, $200 per day, $1,000 max | More than 6hrs, $200 per day, $2,000 max |
| Kennel Coverage | cancel | cancel | $50($25/day) |
| Rental Car Damage | cancel | cancel | $35,000 |
| Trip Cancellation - 100% of Trip Cost | Up to $5,000 | Up to $25,000 | Up to $50,000 |
| Trip Interruption | 125% of trip cost | 150% of trip cost | 200% of trip cost |
| Cancel For Any ReasonCancel For Any Reason(Optional, with an additional cost) | cancel | cancel | 75% reimbursement |
| Maximum Benefit for Accident per Person | $75,000 | $250,000 | $500,000 |
| Maximum Benefit for Sickness per Person | $75,000 | $250,000 | $500,000 |
| Pet Medical Expense | cancel | cancel | $250 |
| Surgery, Anesthesia, Radition Therapy, X-ray and Lab Office Visits | 100% | 100% | 100% |
| Doctor Inpatient& Outpatient Office Visits | 100% | 100% | 100% |
| Outpatient Prescription Drugs Outside U.S | 100% | 100% | 100% |
| Accidental Death & Dismemberment | cancel | $25,000 | $50,000 |
| Accidental Death & Dismemberment-Common Carrier | $25,000 | $50,000 | $100,000 |
| Repatriation of Mortal Remains | $15,000 | $25,000 | $25,000 |
| Medical Transportation(includes transportion to join the insured) | $500,000 | $1,000,000 | $1,000,000 |
| 24 hour Hotline and Concierge Services | Included | Included | Included |
The plan reimburses prepaid, non-refundable trip costs for cancellations and interruptions, emergency medical expenses, medical evacuation, baggage loss or delay, travel delays, accidental death and dismemberment, and more. Coverage varies by plan tier Economy, Classic, and Preferred.
Yes, if purchased within the specified time window after the initial trip deposit (14 days for Classic, 21 days for Preferred), the plan waives pre-existing condition exclusions, offering coverage for eligible conditions.
Yes, the Trip Protector plans do not require having primary health insurance to be eligible for coverage, making them suitable for travelers without existing health plans.
Available only on the Preferred plan, if purchased within the specified timeframe, CFAR allows you to cancel your trip for any reason up to two days before departure and receive up to 75% reimbursement of your trip cost.
The plan is not available for purchase by residents physically located in New York, Maryland, Washington State, Canada, or Australia at the time of purchase.
You can access HTH’s global network of healthcare providers, use the 24/7 emergency hotline for assistance, and, if arranged in advance, benefit from direct billing to avoid out-of-pocket expenses.
No. Policies must be purchased while in the United States, before departure. Buying after leaving the U.S. is not permitted.
No. Trip Protector plans do not require you to have primary health insurance to qualify for coverage.
To file a claim with Trip Protector Classic insurance, follow these steps:
