HTH Worldwide

HTH Worldwide Travel Insurance

About HTH travel insurance company

Travel with peace of mind knowing HTH Worldwide has you covered. Our Trip Protector and travel health insurance plans are designed to protect your journey from the unexpected, whether it’s a trip cancellation, a medical emergency, interrupted travel plans, or lost baggage. With access to a global network of healthcare providers and support available 24/7, you can focus on enjoying your trip while we take care of everything else. No matter where your travels lead, HTH Worldwide helps you stay safe every step of the way.

HTH Worldwide insurance plans

  • Ideal for: For US residents traveling outside USA.
    Purpose: Travel Gap insurance plans offer coverage for sickness, accident and medical evacuation benefits.

    TravelGap Excursion

    Best for Leisure travelersMissionary or business travel
    star Rating: "A" (Excellent)  edit_square Underwriter: Nationwide Mutual Insurance Company
    • Available for US residents traveling outside USA.
    • Travelers age must be 95 years of age or younger.
    • TravelGap Excursion insurance cost for a 40 year old traveler starts from $74 to $98 per month, depending on the selected coverage maximum from $50,000 to $1,000,000 and deductible from $0 to $500.

    TravelGap Voyager

    Best for Business travelersSchengen visa
    star Rating: "A+" (Excellent)  edit_square Underwriter: Nationwide Mutual Insurance Company.
    • Available for US residents traveling outside USA.
    • A primary health plan is required for this insurance.
    • TravelGap Voyager insurance cost for a 40 year old traveler starts from $74 to $98 per month, depending on the selected coverage maximum from $50,000 to $1,000,000 and deductible from $0 to $500.
  • Ideal for: US residents on domestic and worldwide trips. Offers standard trip cancellation coverage.
    Purpose: These plans offer coverage for medical expenses, financial losses, trip cancellation, trip interruption and others incurred while traveling and get worldwide medical coverage in 190 countries.

    Trip Protector Economy

    Best for Trip Protector EconomyU.S. Residents
    star Rating: "A" (Excellent)  edit_square Underwriter: Nationwide Mutual Insurance Company
    • Available for US residents on domestic and worldwide trips.
    • Travelers can choose trip cost up to $5,000.
    • Trip Protector Economy Insurance cost for 40 year old traveler starts from $59 for 15 days trip duration with trip cost of $1,000.

    Trip Protector Classic

    Best for Senior TravelersLeisure travelers and vacationers
    star Rating: "A" (Excellent)  edit_square Underwriter: Nationwide Mutual Insurance Company
    • Available for U.S. citizens and U.S. residents.
    • Travelers can choose trip cost up to $25,000.
    • Trip Protector Classic Insurance cost for 40 year old traveler starts from $69 for 15 days trip duration with trip cost of $1,000.

    Trip Protector Preferred

    Best for Luxury travelersU.S. Residents
    star Rating: "A" (Excellent)  edit_square Underwriter: Nationwide Mutual Insurance Company
    • Available for U.S. citizens and U.S. residents.
    • Travelers can choose trip cost up to $50,000.
    • Trip Protector Preferred Insurance cost for 40 year old traveler starts from $91 for 15 days trip duration with trip cost of $1,000.
  • Ideal for: Group of 5 or more members traveling outside their home country.

    Group Essential

    Best for Leisure travelersMissionary or business travel
    star Rating: "A" (Excellent)  edit_square Underwriter: 4 Ever Life
    • Available for US citizens.
    • Single trip option for travelers without primary health insurance.
    • For trips up to 6 months for ages 95 or younger.

    Group Choice

    Best for StudentsSchengen visa
    star Rating: "A+" (Excellent)  edit_square Underwriter: 4 Ever Life
    • Available for US citizens.
    • Single trip option for travelers with primary health insurance.
    • For trips outside the U.S. up to 6 months for ages 95 or younger.

Why Choose HTH Worldwide?

  • Comprehensive Medical Coverage: Covers new illnesses, injuries, hospital stays, doctor visits, prescription drugs, and more; this applies even when you travel outside your home country.
  • Coverage for COVID-19: Includes treatment and medical evacuation related to COVID-19, subject to the policy terms.
  • Emergency Medical Evacuation & Repatriation: Covers emergency transportation to the nearest suitable medical facility and the return of remains if needed.
  • Pre-existing Condition: Select HTH plans offer coverage for pre-existing conditions, depending on eligibility and plan type.
  • Trip Cancellation & Interruption Protection: HTH Trip Protector plans include reimbursement for canceled or interrupted trips due to illness, injury, severe weather, and other covered reasons.
  • 24/7 Multilingual Travel Assistance: Provides round-the-clock support for medical referrals, emergency coordination, lost travel documents, and more.
  • User-Friendly Mobile App: Find nearby doctors, manage claims, translate medical terms, and access your ID card right from your phone.
  • Strong Financial Backing: HTH is underwritten by GeoBlue®, a Blue Cross Blue Shield licensee known for stability and fast claims processing.
  • Global Provider Network: Access a large international network of English-speaking doctors and hospitals, including direct access to the Blue Cross Blue Shield network for U.S. travelers.

Who can buy HTH travel insurance?

  • Available to U.S. citizens, permanent residents, and legal U.S. residents.
  • Most plans have an age limit of under 74 years.
  • Some plans require primary U.S. health insurance.
  • They offer coverage for both international and domestic trips.
  • Trip cancellation coverage is available for eligible travelers.
  • Eligibility requirements may vary by plan type.

HTH Worldwide visitors insurance - FAQ's

1. What does the HTH Worldwide travel insurance reimburse?

The HTH Worldwide Trip Protector Classic and Trip Protector Preferred plans offer extensive coverage. Here is a summary of what’s covered:

  • All prepaid, non-refundable trip expenses (air tickets, hotel booking, cruises, tours)
  • Emergency medical or dental expenses.
  • Medical evacuation
  • Personal expenses caused by baggage delay or loss.

Please note that the coverage of travel insurance policies can vary depending on the provider and the policy and it is important to understand the policy documents for what is and isn’t covered before purchasing travel insurance.

2. Why should I buy HTH travel insurance?

Domestic US medical insurance typically do not cover medical expenses incurred while traveling abroad. Therefore, it is important to purchase international travel insurance offered by HTH worldwide before starting on an international trip. Travel medical insurance can provide coverage for emergency medical expenses, including medical evacuations, that occur during your trip.

3. What is HTH Worldwide travel insurance?

HTH travel insurance is a U.S.-based provider of international travel insurance. They offer medical and trip protection plans for travelers going abroad. Their plans include coverage for emergency medical treatment, hospital stays, doctor visits, medical evacuation, trip cancellation, and baggage loss or delay. HTH provides travelers with a global network of healthcare providers and 24/7 assistance services. This makes it a reliable option for vacationers, business travelers, and international students who want quality protection while traveling.

4. Is HTH Travel Insurance a Good Company?

Yes, HTH Travel Insurance is a reputable and trustworthy company. They are known for their extensive medical coverage, global provider network, and strong support for international travelers. It is particularly recommended for long-term travelers, students, and expatriates. Backed by GeoBlue and affiliated with Blue Cross Blue Shield, HTH provides high coverage limits and access to quality care worldwide. This makes it a reliable choice for travel insurance.

5. How do I buy HTH Worldwide travel insurance online?

You can compare and purchase HTH Worldwide plans directly through American Visitor Insurance. Use their quote tool to:

  • Enter your travel details.
  • Compare plan features and prices.
  • Buy securely online with instant policy issuance.

6. Will my pre-existing condition be covered under a TripProtector Classic or Preferred plan?

The Pre-Existing Condition Exclusion is waived from the TripProtector Classic and TripProtector Preferred plans unless you meet the following criteria:
You buy this plan prior to or within 14 days (for TripProtector Classic) or 21 days (for TripProtector Preferred) of initial trip deposit.

7. I already left on my trip. Can I buy a TripProtector Classic or Preferred plan when I am outside the U.S.?

TripProtector Classic and TripProtector Preferred plans are approved to be sold to travelers buying from within the US only. You may not be able to purchase these plans when you are outside the US.

8. Who is eligible to purchase a TripProtector Classic or TripProtector Preferred policy?

An eligible participant for purchasing a TripProtector Classic or TripProtector Preferred plans by HTH Worldwide must meet the following criteria:

  • The home country of the traveler is the United States.
  • The traveler is traveling outside the U.S.
  • Children under the age of Six, must be enrolled with a parent.
  • The initial purchase of the policy must be made in home country prior to departing on trip.

9. How does Cancel for Any reason benefit work?

Cancel for Any Reason (CFAR) is an optional benefit that can be added to some travel insurance plans for qualifying travelers. It allows you to cancel your trip for any reason and get a partial reimbursement of your pre-paid trip expenses. This benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify. The reimbursement amount varies from 50% to 75% of your prepaid refundable trip costs that are outlined in the plan’s inclusions . If you are interested in buying CFAR coverage, you can review American Visitor Insurance to find the CFAR plans that best fit your travel needs

Why is American Visitor Insurance best for buying HTH Worldwide insurance?

  • Expert guidance for international travelers, including tourists, parents, and students.
  • Access to the full range of HTH Worldwide plans, such as TripProtector, TravelGap, and GeoBlue.
  • Live chat and phone support for plan selection, claims, and visa letters.
  • Compare HTH with other top insurers, including IMG, Trawick, and INF, side-by-side.
  • Instant policy confirmation, ID cards, and visa letters.
  • Ideal for travelers who need pre-existing condition coverage or U.S. PPO networks.
  • Trusted platform with over 20 years of experience.

HTH Worldwide travel insurance reviews

"I appreciated how clearly American Visitor Insurance explained the benefits and limitations of the HTH plan. There were no surprises, and everything worked as expected when we needed help during the trip."

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James

"Buying HTH Travel Insurance through American Visitor Insurance was incredibly easy. The website helped me compare plans quickly, and I had my documents in minutes. Perfect for last-minute travelers like me!"

star star star star

Michael T

"I was able to renew my HTH Worldwide coverage while still abroad. American Visitor Insurance helped me extend it online without hassle. That kind of responsive service is rare these days. Highly recommend them!"

star star star star star

Sana A

How to file claims with HTH Worldwide insurance?

HTH Worldwide travel insurance claim process:

 

To file a claim with HTH Worldwide health Insurance, follow these steps:

  1. Download the Claims Form: Download and fill out the relevant form from the HTH Worldwide Claims Forms page.
  2. Contact Customer Support: Call the toll-free number 888.957.5009(inside US), +1.727.412.7377(outside US) for guidance or assistance.
  3. Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
    • Mailing Address: HTH Worldwide Insurance Services, Inc. PO Box 26222, Tampa, FL 33623
  4. Email Assistance: For additional help or inquiries, email team1@cbpinsure.com.