HTH Worldwide Travel Insurance Review 2024

HTH Worldwide sells an assortment of travel insurance plans that will interest vacationers, students and business travelers alike. These plans cover problems such as trip delays, lost luggage and medical emergencies. HTH Worldwide’s global access to doctors and hospitals will be especially appealing to international travelers.

HTH travel insurance policies are broken down into three categories:

• Standard single-trip travel insurance plans.
• Single trip, short-term international travel medical plans for trips up to six months.
• International health insurance plans for those expatriates living outside their home country.

HTH’s TripProtector Preferred plan, described above, is its highest-rated plan according to Forbes Advisor’s ratings of the best travel insurance.

TripProtector Economy plan: This comprehensive plan provides $75,000 in medical sickness and injury coverage, and $500,000 in medical transportation coverage. You’ll also get 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).

TripProtector Classic plan: This plan offers $250,000 for medical sickness and injury coverage and $1 million in medical transportation coverage. You’ll get baggage and personal effects coverage of $250 per item ($1,000 maximum), $500 missed connection coverage, and $200 daily trip delay coverage after a six-hour delay ($1,000 maximum).

We’ve highlighted key benefits of HTH single-trip travel insurance plans to help you identify which is the best fit for you.

Benefits	TripProtector Preferred	Trip Protector Classic	Trip Protector Economy
Trip cancellation	100% of insured trip cost	100% of insured trip cost	100% of insured trip cost
Trip interruption	200% of insured trip cost	150% of insured trip cost	125% of insured trip cost
Emergency medical	$500,000 per person	$250,000 per person	$75,000 per person
Pre-existing medical condition exclusion coverage	Waiver available	Waiver available	N/A
Medical evacuation	$1 million per person	$1 million per person	$500,000 per person
Travel delay	$200 per day; $2,000 maximum per person (at least six hours)	$200 per day; $1,000 maximum per person (at least six hours)	$100 per day; $ maximum per person (at least 24 hours)
Baggage delay	$400 per person (at least 12 hours)	$200 per person (at least 12 hours)	$100 per person (at least 24 hours)
Baggage and personal items	$2,000 ($500 maximum per item)	$1,000 ($250 maximum per item)	$750 ($500 maximum per item)
Missed connection	$1,000 per person	$500 per person	$250 per person
Optional “interruption for any reason”	N/A	N/A	N/A
Optional “cancel for any reason”	75% of the non-refundable insured trip cost	N/A	N/A

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Single-trip option for travelers with primary health insurance: If you have your own health insurance, HTH has a short term international medical plan. It covers pre-existing conditions for medical costs and medical evacuation. You can choose a maximum benefit amount ranging from $50,000 to $1 million and deductibles ranging from $0 to $500.

Single-trip option for travelers without primary health insurance: This plan is for international travelers who do not have their own health plan. It covers pre-existing conditions for medical evacuation. You can select a maximum benefit amount ranging from $50,000 to $1 million and deductibles ranging from $0 to $500.

International expatriate health insurance options: HTH Worldwide offers health insurance plans that may be suitable for expatriates, those on international career assignments, maritime crew members, missionaries and students:

• Xplorer plan: International health insurance plans for individuals and families who intend to be outside their home country at least three months a year.
• Navigator plan: International health insurance plans for students, faculty, mission and maritime crews who plan to be outside their home country at least three months a year.

Since benefits vary among HTH’s travel insurance plans, you can expect the prices to vary. Here are examples of prices for TripProtector plans.

Travelers and trip	TripProtector Preferred	TripProtector Classic	TripProtector Economy
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$156	$116	$93
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$403	$306	$259
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Spain for 17 days	$933	$704	$586
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$556	$458	$385
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$297	$243	$186
Two travelers age 75, $15,000 trip cost, traveling to Aruba for 20 days	$2,382	$1,956	N/A
Two travelers age 80, $20,000 trip cost, traveling to Spain for 25 days	$3,208	$2,638	N/A

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HTH policies cover unforeseen events that can disrupt your trip pre- and post-departure. These problems can include delays due to severe weather, trip cancellations due to illness and medical care costs for accidents and injuries.

Here is the coverage included with HTH standard travel insurance policies.

Travel interruption: If you need to go home early because an emergency listed in your policy arises, trip interruption insurance can pay for a last-minute flight home. It can also reimburse you for money lost on prepaid, non-refundable expenses for the part of the trip you miss.

Trip cancellation: If you cancel your trip for a reason outlined in the policy, trip cancellation insurance reimburses you for prepaid and non-refundable expenses. Examples of reasons for cancellation in HTH policies include severe weather and illness or injury to you or a family member.

Travel medical expenses: Travel medical insurance pays for medical expenses up to your policy limits if you get sick or injured while traveling.

Emergency medical evacuation: Medical evacuation travel insurance will help pay the cost of transportation to the nearest adequate treatment center that can treat your condition if during your trip you need immediate medical care beyond the services locally available.

Travel delay: Travel delay insurance pays for temporary accommodations and expenses for necessities if your trip gets delayed beyond a specified amount of time because of an issue listed in your policy.

Baggage and personal effects: Baggage insurance will pay you the depreciated value of your luggage and possessions, up to your policy limits, if your luggage or belongings are damaged, lost or stolen during your trip. If your baggage is delayed for the amount of time listed in the policy, baggage delay insurance will pay for essentials such as toiletries and clothing while you wait.

All travel insurance plans have exclusions, which is why it’s important to read a policy’s fine print and be familiar with what a plan does not cover. Here are some examples of exclusions to emergency medical coverage in HTH Worldwide’s TripProtector Preferred plan:

• Being under the influence of intoxicants or drugs (except when prescribed by a physician and used in accordance with your physician’s instructions)
• Extreme sports
• Participation in professional athletics
• Dental treatment (except as the result of injury)
• Pregnancy and childbirth (except for complications of pregnancy)
• Cosmetic surgery (except as a result of an accident)
• Mental or emotional disorders
• Intentionally self-inflicted injuries
• Suicide or attempted suicide

There are three ways to contact HTH Worldwide for assistance:

• Email. Email tripprotection@hthworldwide.com or sales@hthworldwide.com for assistance.
• Online. You can send an message by filling out a form at the website.
• Phone. Contact customer service for TripProtector plans by calling (844) 745-1967.

HTH Worldwide has different claim forms depending on the plan and the type of claim. Make sure you provide the required documentation to support your claim.

For medical claims, contact HTH Worldwide at (888) 243-2358 or tripprotection@hthworldwide.com. For all other claims, you can call 866) 655-3058.

We researched and analyzed 69 policies to find the best travel insurance. When companies had more than one highly rated travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (35% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000
• Couple, age 40, for an Italy trip costing $6,000
• Family of four for a Spain trip costing $15,000
• Couple, age 65, for an Italy trip costing $6,000
• Couple, age 70, for a Mexico trip costing $3,000

Medical expenses (15% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (15% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.