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HTH Worldwide Travel Insurance
TripProtectorSM |
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 What is TripProtector?
 TripProtector from HTH Worldwide is a comprehensive plan that offers travel protection PLUS travel medical insurance. TripProtector includes medical protection, trip cancellation, trip interruption, baggage protection and more. TripProtector offers a complete set of services to help you identify, access and pay for healthcare in over 180 countries.
Why purchase TripProtector?
Your vacation may be at risk to illness, injury, terrorism, financial default by your tour or cruise operator, dangerous weather conditions and more. TripProtector covers certain non-refundable expenses should covered circumstances force you to cancel or interrupt your vacation.
During your trip you may need to see a doctor, have a prescription filled, receive care at a hospital, or deal with an unexpected medical emergency. TripProtector also provides sickness, accident and medical evacuation benefits.
Pre-existing Conditions for Travel Protection Benefits
The Pre-Existing Condition Exclusion is waived provided you meet all of the following requirements.
1. The payment for this plan is received prior to/or within 24 hours of your final payment for your Covered Trip; and
2. You are not disabled from travel at the time you make your plan payment; and
3. The booking for the Covered Trip must be the first and only booking for this travel period and destination. |
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Pre-existing Conditions for Travel Medical Benefits
Pre-existing conditions are covered on the medical portion of this program. Participants must be enrolled in a primary health plan to be eligible for medical benefits.
Three Plans to Choose From...
TripProtect - e-Saver
- Trip Cancellation, lost baggage
- $100,000 Air Flight Accident
- Does Not require a primary health plan enrollment
Trip Protector
- Trip cancelation / interruption, lost baggage
- $500,000 medical / $1,000,000 medical evacuation
- Layoff, bankruptcy, terrorism coverage and more...
- REQUIRES enrollment in a primary health plan
Trip Protector Preferred
- $1,000,000 medical
- Higher trip interruption and baggage limits
- More covered reasons under trip cancellation
- REQUIRES enrollment in a primary health plan
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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. |
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HTH Worldwide Trip Protection Plans |
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Product Features |
TripProtector
e-Saver |
TripProtector |
Trip Protector
Preferred |
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Duration of Plan Benefits |
Single Trip |
Single Trip |
Single Trip |
Trip Cancellation |
100% Trip Cost |
100% Trip Cost |
100% Trip Cost |
Trip Interruption |
N/A |
100% Trip Cost |
150% Trip Cost |
Medical Coverage Max Limits |
N/A |
$500,000
(per person max) |
$1,000,000
(per person max)
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Maximum Emergency Medical
Evacuation Coverage |
N/A |
$1,000,000
per person |
$1,000,000
per person |
Baggage Loss/Damage |
Up to $500 |
Up to $1,000 |
Up to $1,500 |
Baggage Delay |
N/A |
Up to $200 |
Up to $200 |
Travel Delay |
N/A |
Up to $1,000 |
Up to $1,000 |
Air Flight Accident |
$100,000 |
$100,000 |
$200,000 |
Rental Car Damage
(not available to residents of Texas, New York, or Oregon) |
N/A |
N/A |
$50,000 per
policy maximum |
Identity Theft Protection |
N/A |
N/A |
Covered |
| Global Health and Safety Resources |
Online Doctor Search |
Yes |
Yes |
Yes |
Destination Health & Security Info |
Yes |
Yes |
Yes |
HTH Drug Translation Guide |
Yes |
Yes |
Yes |
Medical Term & Phrase
Translation Databases |
Yes |
Yes |
Yes |
Health & Security News Alerts |
Yes |
Yes |
Yes |
24 Hour Emergency Hotline Service |
Included |
Included |
Indluded |
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Anthem California
