HTH Travel Insurance Review

HTH Worldwide is a leading travel insurance provider, offering various plans to cater to the diverse needs of global travelers and expatriates.

In today’s travel landscape, travel insurance has become essential to trip planning, providing financial protection against unforeseen circumstances such as trip cancellations, medical emergencies, and lost luggage.

History and Background of HTH Worldwide

HTH Worldwide, under the umbrella of Worldwide Insurance Services (WIS), was founded in 1997 to assist global travelers and expatriates access and pay for healthcare services worldwide.

The company operates under the HTH Worldwide brand and offers a variety of travel medical insurance across the U.S.

WIS serves more than 700,000 travelers annually, including leisure, expatriate, missionary, maritime, educational, and business travelers.

The company has built a reputation for combining comprehensive insurance with local health information, security profiles, and assistance services.

It has a network of contracted physicians in more than 180 countries, providing its members access to quality healthcare services globally.

HTH Worldwide has earned an A- (excellent) rating from AM Best Company, reflecting its strong financial stability and ability to meet its ongoing insurance policy and contract obligations.

The company has also received positive customer reviews, with many praising the ease of the purchase process and access via the mobile app and website.

Despite its success, some customers have expressed dissatisfaction with the complexity of the claims process and the difficulty of connecting with HTH via phone.

However, the company strives for excellence in its service delivery, leveraging its experience and innovative healthcare services to meet the evolving needs of international travel, expatriate living, study, and commerce.

Types of Travel Insurance Plans Offered by HTH Worldwide

HTH Worldwide offers a variety of travel insurance plans catering to different types of travelers, including vacationers, students, and business travelers. Some of the plans provided by HTH Worldwide are:

  1. TripProtector Economy plan: This comprehensive plan offers $75,000 in medical sickness and injury coverage, $500,000 in medical transportation coverage, baggage and personal effects coverage of $250 per item ($750 maximum), $250 in missed connection coverage, and $100 daily trip delay coverage after an eight-hour delay ($500 maximum).
  2. TripProtector Classic plan: This plan provides $250,000 for medical sickness and injury coverage and $1 million in medical transportation coverage.
  3. TravelGap Excursion: A single-trip medical plan covering trips up to 180 days in length. You must be enrolled in a primary health insurance plan to be eligible for benefits. The plan offers coverage for pre-existing conditions and flexibility with medical limits and deductibles.
  4. International expatriate health insurance options: HTH Worldwide offers health insurance plans suitable for expatriates, those on international career assignments, maritime crew members, missionaries, and students. One such plan is the Xplorer plan, designed for individuals and families who intend to be outside their home country for at least three months a year.

These plans cover various issues, such as trip delays, lost luggage, and medical emergencies. HTH Worldwide’s global access to doctors and hospitals makes it particularly appealing to international travelers.

Coverage Details

HTH Worldwide offers a variety of travel insurance plans with different coverage details. Here are some key points:

  1. Travel Medical & Accident Protection: This includes coverage for hospital care, surgery, office visits, prescription drugs, and medical evacuation. Plans offer up to $1,000,000 in medical benefits.
  2. TripProtector Economy: This plan offers trip cancellation coverage up to a maximum of $5,000. It also includes travel medical benefits insured by Nationwide Mutual Insurance Company.
  3. TripProtector Classic: This plan offers trip cancellation coverage up to a maximum of $25,000. It also includes trip interruption coverage up to 150% of the trip cost.
  4. HTH Worldwide TravelGap Excursion: This single-trip medical plan covers trips up to 180 days in length. It offers coverage for pre-existing conditions and includes emergency medical evacuation.
  5. Travel Medical Insurance: This plan offers varying medical limits and deductibles for trips outside the U.S. for up to 6 months for ages 95 or younger. It covers pre-existing conditions for medical services and medical evacuation.
  6. TripProtector Preferred: This plan offers trip cancellation coverage up to $50,000 and trip interruption coverage up to 200% of the trip cost. It also includes medical coverage for sickness and injury up to $500,000 and medical transportation up to $1,000,000.
  7. HTH Worldwide TripProtector Classic Plan: This comprehensive travel protection plan includes trip cancellation and trip interruption coverage, baggage loss or delay, travel delay, and high limits of medical coverage. It also offers coverage for emergency medical evacuation.

Pricing and Value

HTH Worldwide offers a variety of travel insurance plans, each with different pricing structures. The exact cost of your HTH Travel Insurance premium depends on several factors, including the number of travelers, their ages, the length of the trip, and the total cost.

HTH Worldwide’s TripProtector plans come in three tiers: Economy, Classic, and Preferred. The Economy plan is the budget option, providing comprehensive coverage with lower coverage limits.

The Classic and Preferred plans offer higher limits and more features, with the Preferred plan offering luxury-level benefits.

Here are some examples of prices for HTH’s TripProtector Preferred plan:

  • Two travelers, age 30, $3,000 trip cost, traveling to Mexico for 8 days: $156
  • Two travelers, age 40, $6,000 trip cost, traveling to Italy for 17 days: $403
  • Family with two parents, age 40, and two children, $15,000 trip cost, traveling to Italy for 17 days: $933

HTH Worldwide also offers single-trip plans and annual plans. Single-trip plans provide coverage during a specified time period, while annual plans are meant for those who travel often or who are away for longer than six months.

The cost of these plans will vary based on the specific details of the trip and the travelers. In terms of value, HTH Worldwide is well-rated across multiple review platforms for its accessibility, high coverage limits, and flexible deductibles.

It also offers a 10% discount for groups for the TripConnector plans. However, it’s important to note that the cost-effectiveness of these plans will depend on the specific needs and circumstances of the traveler.

Customer Service and Support

HTH Worldwide is committed to providing exceptional customer service and support to its customers. The company offers multiple channels for customers to reach out for assistance.

  1. Toll-Free Phone Support: HTH Worldwide provides toll-free phone support for its various insurance plans. For TravelGap, Global Student, or Global Citizen health and accident insurance, customers can call toll-free at 888.243.2358. For TripProtector insurance, the toll-free number is 844.276.1213.
  2. 24-Hour Emergency Hotline: HTH Worldwide offers a 24-hour emergency hotline for its customers. To request emergency assistance, TripProtector Economy, TripProtector, and TripProtector Preferred customers can call 800.257.4823 or 610.254.8771 (collect).
  3. Email Support: HTH Worldwide provides email support for its customers. For general inquiries or customer service, customers can email [email protected]. For TripProtector plans, customers can email [email protected], and for sales inquiries, they can email [email protected].
  4. Online Contact Form: Customers can also contact HTH Worldwide through the online contact form on the company’s website.
  5. Mobile App: HTH Worldwide offers the mPassport app, which customers can use to schedule appointments and access other services.

HTH Worldwide’s customer service team can assist customers with their inquiries and concerns. However, some customers have expressed dissatisfaction with the complexity of the claims process and difficulty in connecting with HTH via phone. Despite these challenges, HTH Worldwide strives for excellence in its service delivery.

Claims Process

HTH Worldwide is committed to providing prompt, fair, and equitable claims service. To file a claim, follow these steps:

  1. Download the appropriate claim form from the HTH Worldwide website.
  2. Provide the required documentation. After completing the travel insurance claim form, visit the Required Documentation page on the HTH Worldwide website for a complete list of the supporting documentation needed to complete the claim process.
  3. Mail your completed form(s) and required documentation to HTH Administration Services at the address provided on the website.

For TripProtector or TripProtector Preferred plans, you can contact HTH Administration Services by phone at 888.243.2358 or by email at [email protected].

For TravelGap, Global Student, or Global Citizen health and accident insurance, you can call HTH Administration Services at 800.348.9505.

Please note that all claims must be filed with HTH Worldwide within the specified timeframe in your policy documents. The company’s claims department pledges to process correspondence and required documentation on time, return phone calls within one business day, and promptly mail claim payment checks when the settlement is finalized.

Pros and Cons

Pros

  1. Comprehensive coverage: HTH Worldwide offers a variety of travel insurance plans with high coverage limits for medical expenses and evacuation.
  2. Access to a global network of doctors and hospitals: HTH Worldwide has a network of trusted English-speaking physicians and medical professionals in more than 180 countries.
  3. “Cancel for any reason” upgrade available: HTH Worldwide offers an optional “cancel for any reason” upgrade for certain plans.
  4. Excellent trip interruption coverage: HTH Worldwide provides high trip interruption coverage, up to 200% of the trip cost.
  5. Group discounts: HTH Worldwide offers a 10% discount for groups of five or more travelers for the TripConnector plans.

Cons

  1. Requirement for primary health insurance: Some HTH Worldwide plans require travelers to have primary health insurance, which may not be suitable for all travelers.
  2. Limited coverage for certain activities: Benefits for skiing or underwater diving claims may be limited.
  3. The complexity of the claims process: Some customers have expressed dissatisfaction with the complexity of the claims process and difficulty in connecting with HTH via phone.

Customer Reviews and Testimonials

HTH Worldwide has received generally positive customer reviews, with an average rating of 4.54 out of 5 based on 1,129 ratings and reviews on InsureMyTrip.

On Squaremouth, HTH Travel Insurance has received a mix of ratings, with the majority being 5 stars. MarketWatch reported a rating of 4.38 out of 5 for HTH Worldwide.

Positive Reviews

Many customers have praised HTH Worldwide for its comprehensive coverage, access to a global network of doctors and hospitals, and excellent customer service. Some testimonials highlight the company’s prompt and supportive response in emergencies.

Customers have also appreciated the ease of purchasing insurance plans online and the value offered by the coverage. The company’s mobile app and website have been commended for their ease of use.

Negative Reviews

Some customers have expressed dissatisfaction with the complexity of the claims process and difficulty in connecting with HTH via phone.

There have been complaints about the time taken to process claims. However, these types of complaints are fairly standard in the insurance industry.

Case Studies

HTH Worldwide has shared several case studies on its website, demonstrating how it has supported customers in various situations.

These case studies highlight the company’s prompt response, coordination of medical care, and direct billing arrangements with hospitals.

Comparison With Other Travel Insurance Providers

HTH Worldwide offers a variety of travel insurance plans that provide comprehensive coverage, including emergency medical care, trip interruption, and cancellation.

It also offers medical-only coverage through GeoBlue, making it a versatile choice for different types of travelers.

HTH Worldwide stands out for its high coverage limits, access to a global network of healthcare providers, and group discounts compared to other travel insurance providers.

It is particularly recommended for group insurance plans due to its 10% discount for groups of five or more travelers.

However, like all insurance providers, HTH Worldwide has its own set of strengths and weaknesses. For instance, some of its plans require travelers to have primary health insurance, which may not be suitable for all travelers.

Additionally, some customers have expressed dissatisfaction with the complexity of the claims process.

Compared to Nationwide, another well-known insurance provider, HTH Worldwide offers more plan options. While Nationwide offers two single-trip plans, HTH Worldwide provides three tiers of TripProtector insurance, single-trip plans, and annual plans.

However, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year, which may be more suitable for certain travelers.

In terms of customer reviews, HTH Worldwide has received generally positive feedback, with an average rating of 4.54 out of 5 based on 1,129 ratings and reviews on InsureMyTrip.

On Squaremouth, HTH Travel Insurance has received a mix of ratings, with the majority being 5 stars.

MarketWatch reported a rating of 4.38 out of 5 for HTH Worldwide.

Conclusion

HTH Worldwide is a reliable choice for travel insurance, offering comprehensive coverage options and exceptional customer service. Their plans suit various travelers, including those with or without primary health insurance. However, customers should know the requirement to report claims within 72 hours.

FAQs

What types of travel insurance plans does HTH Worldwide offer?

HTH Worldwide offers a range of travel insurance plans, including single-trip, multi-trip, and student travel plans.

What is covered under HTH Worldwide’s travel insurance policies?

HTH Worldwide’s travel insurance policies cover various situations, including medical emergencies, trip cancellations, and lost luggage.

How is HTH Worldwide’s customer service?

HTH Worldwide is known for its exceptional customer service, providing 24/7 support and a variety of online resources.

How does HTH Worldwide compare to other travel insurance providers?

HTH Worldwide stands out in the travel insurance industry due to its comprehensive coverage options and exceptional customer service.

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