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’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).

Single-trip option for travelers with primary health insurance: If you have your own health insurance, HT 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.

If you purchase the TripProtector Preferred plan, you will have two upgrade options:

• A “cancel for any reason” (CFAR) upgrade must be purchased within 10 days of your first trip deposit. HTH’s “cancel for any reason” travel insurance can pay 75% of your non-refundable trip payments if you cancel your trip two days prior to your scheduled departure date. It allows you to cancel for a reason that’s not listed in the base policy.
• A collision damage waiver covers your rental car if it is damaged due to a crash, theft, vandalism, windstorm, fire, hail, flood or any cause beyond your control. This coverage is not available in New York, Oregon and Texas.

You cannot add “cancel for any reason” coverage or collision waiver to the TripProtector Economy or Classic plans.

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

Travelers and trip	Cost per trip for the 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
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days	$933
Family with two parents age 40 and two children, $15,000 trip cost, traveling to U.K. for 17 days	$933
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$556
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$297

See MoreSee Less

HTH Worldwide’s plans include access to their 24/7 travel assistance services. The team can help you with problems such as:

• Coordinating and paying for a medical evacuation
• Scheduling a bedside visit for a family member or friend if you are hospitalized for more than seven days
• Replacing medical prescriptions
• Legal assistance

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

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.

Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. When companies had more than one travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% 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 an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% 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%.

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

Cancel for work reasons: (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

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

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).

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

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