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HTH Worldwide Travel Insurance
Single & Multi Trip Plans

HTH TravelGap BrochureAtlas Travel Series Quick QuoteWhat is TravelGap "Single Trip"?

TravelGap Single Trip provides international health insurance for trips lasting up to 6 months, including a complete set of services to help you identify, access and pay for quality healthcare services anywhere in the world.

TravelGap Single Trip fills health and safety gaps internationally:

Insurance - Even if you are already enrolled in a health plan, your coverage is limited when you travel abroad. In fact, your plan may not pay to have you safely evacuated if you are critically ill.

Information - Where do you turn to learn which hospitals and physicians meet your standards? Keep up with breaking news about health and safety threats? Translate key medical terms and brand-name drugs?

Access to quality care - How do you find a western-trained, English-speaking doctor with the appropriate skills? How do you arrange a convenient appointment?

Each TravelGap Single Trip policy includes broad, deep and reliable Global Health and Safety Services easily

Two Plans to Choose From...

HTH Favorite TravelGapTravelGap Excursion (*most popular)

  • Choice of deductibles, $0, $100, $250 or $500
  • For trips up to 6 months for ages 84 or younger
  • Covers pre-existing conditions for medical services and medical evacuation
  • Separate medical and medical evacuation limits
  • Choice of $50,000, $100,000, $500,000 and $1,000,000 medical limits
  • $500,000 medical evacuation benefit for all plans
  • Covers prescription drugs at 100%
  • Includes a $50,000 AD&D benefit
  • Covers illness or injury due to terrorism, up to policy maximum: with no excluded countries
  • No pre-certification penalty imposed for inpatient or outpatient medical treatment
  • BONUS - Travel Reimbursement - $500.00
  • Requires a primary health plan enrollment
  • Get a quote

TravelGap Voyager

  • Choice of varying medical limits and deductibles
  • For trips up to 6 months for ages 74 or younger
  • Covers pre-existing conditions for medical evacuation
  • DOES NOT REQUIRE A HEALTH PLAN
  • Get a quote

Why Choose HTH Worldwide?

Stength of a U.S. Insurer - TravelGap Single Trip is insured by member companies of HM Insuarnce Group: HM Life Insurance Company and HM Life Insurance Company of New York are rated A-(Excellent) by AM Best Company. The Excellent ratings reflect the organization's ability to meet the financial obligations of its policy holders.

Better Coverage - HTH Worldwide plans have met the standards of state regulators and feature coverage more generous than plans sold as "surplus coverage" by foreign,nonadmitted insurers. For example, the HTH Worldwide plans do not restrict illnesses or injuries resulting from a terrorist act. In additiona, they do not impose precertification penalties for hospitalization. Lastly, HTH Worldwide provides coverage for preexisting conditions for medical evacuation. Preexisting conditions are also covered in other instances by selecting the Excursion plan.

Highest Standards of Service - HTH Worldwide is a leader in international health insurance and assitance. Every aspect of HTH insurance programs are designed to meet the highest expectation for quality and service.

HTH Worldwide Travel Medical Plans

Medical Benefits
TravelGap Excursion
TravelGap Voyager
Get a quote
Get a quote
Maximun Benefits per Insured Person per policy period
Options include $50,000; $100,000; $500,000; $1,000,000
Options include $50,000; $100,000; $500,000; $1,000,000
Deductible per Insured per policy period
Options include $0; $100; $250; $500 Options include $0; $100; $250; $500
After the Deductibe is satisfied, benefits are paid for Covered Expenses as follows up to the Medical Limit
Benefits
Insurer Pays After Medical Deductible is Paid:
Professional Services:
TravelGap Excursion
TravelGap Voyager
a. Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab
100%
100%
b. Office Visits: including X-rays and lab work billed by the attending physician
100%
100%
Inpatient Hospital Services:    
a. Surgery, X-rays, In-hospital doctor visits
100%
100%
b. In-patient medical emergency
100%
100%
Ambulatory Surgical Center
100%
100%
Ambulance Service (non-Medical Evacuation)
100% up to $1,000
100% up to $1,000
Benefits for claims resulting from downhill (alpine) skiing and scuba diving (certification by the Professional Association of Diving Instructors (PADI) if the National Association of Underwater Instructors (NAUI required or diving under the supervision of a certified instructor)
Maximum Benefit up to $10,000
Maximum Benefit up to $10,000
Outside the U.S. Outpatient prescription drugs
100% of Covered Expenses

50% of Covered Expenses

Dental Care required due to injury
100% of Covered Expenses up to $500 maximum per Trip Period and $250 per tooth
100% of Covered Expenses up to $200 maximum per Trip Period and $200 per tooth
Dental Care for Relief of Pain
100% of Covered Expenses up to $500 maximum per Trip Period and $250 per tooth
100% of Covered Expenses up to $100 maximum per Trip Period and $100 per tooth
Other Benefits
Insurer Pays Without Deductible Being Applicable
Accidental Death and Dismemberment
Maximum Benefit Principal Sum up to $50,000
Maximum Benefit Principal Sum up to $25,000
Repatriation of Remains
Maximum Benefit up to $25,000
Maximum Benefit up to $25,000
Medical Evacuation
Maximum Benefit per Trip Period for all Evacuations up to $500,000
Maximum Benefit per Trip Period for all Evacuations up to $500,000
Bedside Visit
Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip air fare ticket to the place of the Hospital Confinement for one (1) person
Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip air fare ticket to the place of the Hospital Confinement for one (1) person
 
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