HTH Worldwide travel insurance review 2022
HTH Worldwide/Insider
No one likes to think about what could go wrong on vacation, but the truth is that anything can happen. That's why travel insurance is so important — it can help you recover from any unexpected emergencies that may occur while you're away from home.
If you're looking for a reputable travel insurance company,
Travel insurance plans from HTH Worldwide
One important note, though, is that the TripProtector Economy plan is not available for trips where the per-person cost is greater than $5,000.
Below you'll find the per person coverage limits of HTH Worldwide's three travel insurance plans:
| TripProtector Economy | TripProtector Classic | TripProtector Preferred | |
| Trip cancellation | $5,000 | $25,000 | $50,000 |
| Missed connection | $250 | $500 | $1,000 |
Trip interruption | 125% | 150% | 200% |
| Emergency medical | $75,000 | $250,000 | $500,000 |
| Emergency evacuation | $500,000 | $500,000 | $1,000,000 |
| Accidental death and dismemberment, common carrier* | N/A | $25,000 | $50,000 |
| Repatriation of remains | $15,000 | $25,000 | $25,000 |
| Baggage loss/damage | $750 | $1,000 | $2,000 |
| Baggage delay | $100 (after 24 hours) | $200 (after 12 hours) | $400 (after 12 hours) |
| Trip delay | $500 | $1,000 | $2,000 |
These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts.
Additional coverage options from HTH Worldwide
In addition to the three primary plans, HTH Worldwide also offers the following two plans for travelers only looking for travel medical coverage:
- Single-trip option for travelers with primary health insurance —
HTH Worldwide Travel Insurance provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500. - Single-trip option for travelers without primary health insurance — This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.
The following two
- Xplorer plan: — This plan is for individuals and families who intend to be outside their home country for more than three months per year.
- Navigator plan — This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.
Like to other travel insurance providers,
The add-ons include:
- CFAR (cancel for any reason) coverage — Will pay 75% of any prepaid trip expenses. You must purchase coverage within 10 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure.
- Collision Damage Waiver (CDW) — Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)
How much does travel insurance from HTH Worldwide cost?
It's fast and simple to get a quote from
- Primary destination
- Age of travelers
- The total cost of your trip
- Travel dates
- State of residence
Travel insurance from HTH Worldwide will usually cost 4% to 8% of the total trip cost, depending on the trip details and age of the traveler. Below are a few real-world examples of coverage options and pricing from HTH Worldwide.
The first example shows premiums for a 45-year-old resident of Arizona traveling to Germany and spending $6,000 on the trip.
As you can see, the TripProtector Economy plan isn't an option (due to the cost of the trip being over $5,000), but the Classic plan costs $337 and the Preferred plan costs $451.
HTH Worldwide
This next example shows coverage options for a 35-year-old California resident vacationing in Mexico, with a trip cost of $4,000. As expected, the higher-tier options cost more. But even the most expensive option is just 5% of the total trip cost.
HTH Worldwide
Lastly, let's look at a $5,000 trip to New Zealand for a 55-year-old resident of Georgia. As a percentage of the total trip costs, these are the highest premiums out of the three examples. But that's to be expected given the age of our fictitious traveler.
HTH Worldwide
Again, the premium you'll pay will vary based on your age and trip details. But these quotes are within the industry average when it comes to what percentage of your total trip cost you'll pay. Regardless of which insurance provider you choose, in general, you should expect to pay between 4% and 8% of the overall cost of your trip.
How do I file a claim with HTH Worldwide?
For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at tripprotection@hthworldwide.com. For all other claims, you can call 866-655-3058.
Be sure to provide supporting documentation when filing a claim. You can find HTH Worldwide's claim forms here.
Compare HTH Worldwide vs Allianz
If you look at coverage with
Allianz's most popular single-trip option is the OneTrip Prime plan, which offers:
- Trip cancellation coverage up to $100,000
- Trip interruption coverage up to $150,000
- Emergency medical coverage for $50,000
- Coverage for baggage loss, theft or damage up to $1,000
- Travel delay coverage up to $800
Compare that to HTH's most popular TripProtector Preferred Plan and you'll see that HTH's emergency medical coverage limit is substantially higher. But Allianz's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.
Compare HTH Worldwide vs Nationwide
Amongst insurance providers,
To compare Nationwide and HTH, we took a look at both companies' highest-tier plans.
Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.
In comparison, HTH's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million.
The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.
Compare HTH Worldwide vs credit card insurance
It's worthwhile to review the insurance coverage offered by your travel rewards credit cards before you buy a separate travel insurance policy. Some essential coverages, like rental car insurance, might already be included with a card you have.
The coverage from your credit card may be enough if, for example, you don't have any non-refundable trip expenses and you're driving to your destination. Another scenario that could suffice is if your health insurance covers you while abroad, you're in decent health, and you aren't too concerned with potential medical costs while traveling.
It's essential to remember that credit card coverage is usually secondary to the primary coverage you'd get with a travel insurance policy. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.
Methodology
In reviewing HTH Worldwide's travel insurance offerings, we considered things like different types of coverage available, claim limits, what expenses are included, available add-ons, and typical policy costs. And we compared them to similar plans from other reputable companies.
The best policy for you is the one that offers the appropriate amount and type of coverage given your needs and budget. It should also be easy to use in case you ever need to make a claim.
HTH Worldwide — frequently asked questions (FAQ)
Is HTH Worldwide legit?
Yes, HTH Worldwide is a leading provider of international health insurance for travelers. Founded in 1997 as Highway to Health, Inc., HTH Worldwide has since become one of the most reputable suppliers of worldwide health and travel insurance.
Does worldwide travel insurance cover the US?
It depends on the specifics of the policy you purchase. Generally speaking, travel insurance policies usually cover all countries except your home country. However, there may also be exclusions for certain countries if a particular country is experiencing terrorism or war.