HTH Worldwide Travel Insurance Review 2023
When it comes to travel insurance, HTH Worldwide is a reputable provider offering a range of plans to protect travelers against various issues during their trips. In this article, we will focus on their TripProtector Preferred Plan, highlighting its benefits and coverage options. We will also explore other plans offered by HTH Worldwide and discuss additional features such as add-ons and claim filing instructions.
Pros:
1. Superior coverage limits for medical and evacuation expenses.
2. Availability of “cancel for any reason” enhancement.
3. Outstanding travel interruption coverage, equivalent to 200% of the total trip cost.
4. Excellent coverage for travel delays, providing up to $2,000 per passenger for a 6-hour delay.
5. Comprehensive coverage for lost baggage, with up to $2,000 per passenger.
Cons:
1. Price is average compared to other companies, but the benefits provided are substantial.
2. Baggage delay coverage requires a 12-hour delay.
HTH Worldwide Travel Insurance Plans:
1. TripProtector Economy Plan:
– Medical illness and injury coverage of $75,000 and medical transportation coverage of $500,000.
– Coverage for baggage and personal effects up to $250 per item ($750 maximum).
– Missed connection coverage of $250 and travel delay coverage of $100 per day after an eight-hour delay ($500 maximum).
2. TripProtector Classic Plan:
– Comprehensive coverage with medical illness and injury coverage of $250,000 and medical transportation coverage of $1,000,000.
– Baggage and personal effects coverage of $250 per item ($1,000 maximum).
– Missed connection coverage of $500 and travel delay coverage of $200 per day after a six-hour delay ($1,000 maximum).
3. International Medical Plan for Short-term Use (for travelers with primary health insurance):
– Covers medical costs and medical evacuation for preexisting conditions.
– Maximum benefit amount and deductibles can be customized.
4. International Medical Plan for Short-term Use (for travelers without primary medical coverage):
– Covers medical evacuation for preexisting conditions.
– Maximum benefit amount and deductibles can be tailored to your needs.
Optional Add-Ons:
1. “Cancel for Any Reason” Upgrade:
– Allows cancellation for reasons not specified in the basic policy.
– Reimburses 75% of non-refundable trip payments if the trip is terminated two days prior to departure.
– Must be purchased within 10 days of making the initial trip deposit.
2. Collision Damage Waiver:
– Protects rental cars against damage caused by various unforeseen events.
– Not available in New York, Oregon, or Texas.
24-Hour Helpline and Travel Assistance:
HTH Worldwide offers 24/7 access to their travel assistance services, including medical evacuation coordination, scheduling bedside visits for hospitalized individuals, replacement of medical prescriptions, and legal assistance.
Exclusions:
As with any travel insurance policy, it is important to review the fine print and understand the exclusions. Some exclusions under HTH Worldwide’s TripProtector Preferred plan include being under the influence of intoxicants or narcotics (except as prescribed), participation in extreme sports or professional athletic activities, and certain medical procedures and conditions.
Claim Filing Instructions:
HTH Worldwide provides various claim forms depending on the plan and type of claim. Ensure you have the necessary evidence to support your claim. Contact HTH Worldwide at 888-243-2358 or tripprotection@hth.com for medical claims, and dial (866) 655-0558 for all other claims.
In conclusion, HTH Worldwide’s TripProtector Preferred Plan offers comprehensive coverage and benefits
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