HTH Worldwide travel insurance review 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 5:55 a.m. UTC March 19, 2024
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Pros
- Preexisting conditions can be covered if you buy a TripProtector Classic plan within 14 days of your first trip deposit.
- Best-in-class financial default coverage after only a 10-day wait.
- Top-notch $1 million per person in medical evacuation coverage.
Cons
- TripProtector Classic doesn’t offer a “cancel for any reason” upgrade, but the pricier Preferred plan does.
- No “interruption for any reason” upgrade available.
- No non-medical evacuation coverage.
Why trust our travel insurance experts
Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 2,332 coverage details evaluated.
- 385 rates reviewed.
- 5 levels of fact checking.
HTH Worldwide overview
Created under the Worldwide Insurance Services umbrella, HTH Worldwide provides travel insurance for both business and leisure travel. Nationwide Mutual Insurance Company underwrites HTH Worldwide’s single-trip insurance plans.
HTH Worldwide travel insurance plans
HTH Worldwide offers TripProtector plans that cover single domestic or international trips. In addition to travel protection and medical benefits, each plan includes non-insurance travel assistance such as a 24-hour emergency hotline service, destination health and security information and an online doctor search.
HTH provides a 10-day “free look” period to give you the chance to look over your policy and cancel for a full refund if it doesn’t suit your needs. If you are not satisfied, return your policy within 10 days of receipt along with a letter indicating your reason for cancellation for a full refund (not available in NY or WA).
Economy
HTH’s starter travel insurance plan offers basic coverages, including:
- Emergency medical evacuation: $500,000.
- Emergency medical: $75,000.
- Trip cancellation: 100% reimbursement of eligible trip costs up to $5,000.
- Trip delay: $500 maximum (after an eight-hour delay and with a $100 per day limit).
- Trip interruption: 125% reimbursement of eligible trip costs.
While the Economy plan also covers baggage loss, baggage delay and missed connections, it does not include rental car damage coverage or a preexisting conditions waiver. It includes accidental death and dismemberment coverage for air only.
TripProtector Classic
The TripProtecor Classic plan includes everything in the Economy plan and increases the travel protection and travel medical benefits. This plan gets 3 stars in our rating of the best travel insurance companies.
- Emergency evacuation: $1 million.
- Emergency medical: $250,000.
- Trip cancellation: 100% reimbursement for eligible trip costs up to $25,000.
- Trip delay: $1,000 ($200 per day after a six-hour delay).
- Trip interruption: 150% reimbursement of eligible trip costs.
The plan also includes a preexisting condition waiver if the insurance is purchased within 14 days of your first trip deposit, as well as accidental death and dismemberment coverage of up to $25,000 per person. Like the Economy plan, lost and delayed baggage and missed connections coverage is also included.
TripProtector Preferred
The TripProtector Preferred plan offers enhanced coverage but is more expensive than the Classic and Economy plans.
- Emergency evacuation: $1 million.
- Emergency medical: $500,000.
- Trip cancellation: 100% reimbursement of eligible trip costs up to $50,000.
- Trip delay: $2,000 ($200 per day after a six-hour delay).
- Trip interruption: 200% reimbursement of eligible trip costs.
- Optional “cancel for any reason” (CFAR): 75% reimbursement for eligible trip costs.
- Pet medical expense: $250.
- Rental car damage: $35,000.
- Accidental death and dismemberment: $50,000.
Unlike the other two plans, the Preferred Benefits plan offers pet medical expense coverage, rental car damage coverage and optional cancel for any reason travel insurance coverage. You can get a preexisting conditions waiver if the travel insurance plan is purchased within 21 days of your first trip deposit.
This plan also includes coverage for lost and delayed baggage and missed connections.
What HTH travel insurance covers
HTH Worldwide’s three TripProtector plans include the following coverage:
- Travel medical insurance reimburses you for medical expenses like care, hospitalization, lab work and more if you get sick while on your trip.
- Emergency medical evacuation covers the cost of emergency medical transportation to the nearest adequate treatment center if you become seriously injured or ill while traveling and require immediate care.
- Trip cancellation insurance reimburses prepaid, forfeited, nonrefundable trip costs if you need to cancel your trip for a covered reason.
- Trip delay coverage reimburses reasonable extra expenses, such as meals, lodging and transportation, if your travels are delayed due to reasons like a flight being canceled due to severe weather.
- Trip interruption coverage reimburses you for unused, prepaid, nonrefundable trip expenses such as hotel nights and missed excursions if you need to end your trip early because of a reason listed in your policy, such as a child back home getting sick.
- Baggage loss reimburses you for luggage and personal items that are lost, stolen or damaged during transit.
- Baggage delay reimburses for expenses paid for items like toiletries and a change of clothes needed because of delayed baggage.
Each plan has coverage limits and time frames for when coverage kicks in (like six hours for baggage delay coverage). Be sure to read your policy to understand the limits and exclusions.
What HTH travel insurance doesn’t cover
All travel insurance plans have exclusions, or things the policy does not cover.
Some examples of the emergency medical coverage exclusions in HTH Worldwide’s TripProtector Classic plan are:
- Accidental injury or sickness when traveling against the advice of a physician.
- Being under the influence of drugs or intoxicants (except when prescribed by a physician).
- Cosmetic surgery (except as a result of an accident).
- Dental treatment (except as the result of injury).
- Suicide, attempted suicide or any intentionally self-inflicted injury.
- Participation as an athlete in professional sports.
- Participation in adventure sports such as canoeing, kayaking, zip-lining, water skiing, camping, hiking, backpacking and sailing.
- Pregnancy and childbirth (except for complications of pregnancy).
Additional policy add-ons
HTH Worldwide’s TripProtector Preferred plan offers optional upgrades including “cancel for any reason” (CFAR) coverage, pet medical coverage and rental car damage coverage (not available in every state).
“Cancel for any reason” (CFAR) coverage
TripProtector Preferred policyholders have the option to purchase “cancel for any reason” (CFAR) coverage. This coverage reimburses up to 75% of your prepaid, nonrefundable trip payments or deposits if you cancel your trip for any reason at least 48 hours before your scheduled departure.
To get CFAR coverage, you need to buy it within 21 days of your first trip deposit. This benefit is not available in New York or Washington.
HTH Worldwide travel medical insurance
HTH Worldwide offers two plans for travelers who want travel medical insurance for international trips. Both plans are available to United States residents who are 95 years old or younger.
Single-trip option for travelers with primary health insurance
This short-term international medical plan was created for travelers who have primary health insurance but want extra coverage for traveling abroad. The maximum benefit amounts range from $50,000 to $1 million, and deductibles range from $0 to $500. There is no preexisting condition exclusion.
The plan covers 100% of the following:
- Ambulatory surgical center.
- Anesthesia.
- Dental injury expenses ($500 maximum).
- Diagnostic X-rays and lab work.
- In-hospital doctor visits.
- In-patient medical emergency.
- Office doctor visits.
- Outpatient prescription drugs.
- Surgery.
The plan covers mental health emergencies as it would any other condition. The single-trip plan also includes common travel insurance coverages like medical evacuation, accidental death and dismemberment, trip interruption, trip delay and lost and delayed baggage.
Single-trip option for travelers without primary health insurance
This plan is for those traveling abroad who do not have primary health insurance. Like the plan for travelers with primary health insurance, the benefits range from $50,000 to $1 million and deductibles range from $0 to $500.
This plan covers 100% of the following:
- Ambulatory surgical center.
- Anesthesia.
- Dental injury expenses ($300 maximum).
- Diagnostic X-rays and lab work.
- In-hospital doctor visits.
- In-patient medical emergency.
- Office doctor visits.
- Surgery.
Like the other, this plan also covers mental health emergencies as it would any other condition. However, this plan has a 180-day preexisting condition exclusion and only covers 50% of prescription drugs.
Expat health insurance plans
HTH Worldwide also offers two international expatriate health insurance plans for people who live or work outside their home country:
- Xplorer Premier: Administered through GeoBlue Insurance, this plan provides complete health insurance coverage that can be used anywhere in the world by individuals or families who intend to be outside their home country for at least three months a year.
- Navigator: Also through GeoBlue, this is a health insurance plan specifically designed for crew, missionary or student travelers who plan to be outside their home country at least three months a year.
More travel insurance companies to compare
Here’s how insurers in our rating of the best travel insurance companies compare.
| TRAVEL INSURANCE COMPANY | TOP-SCORING PLAN | OUR RATING | MEDICAL BENFITS PER PERSON | EVACUATION LIMITS PER PERSON | LEARN MORE | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
 WorldTrips | Atlas Journey Elevate | $250,000 primar coverage | $1,000,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
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 Travel Insured International | Worldwide Trip Protector | $100,000 primary coverage | $1,000,000 | Compare Quotes Via Compare Coverage’s website | ||||||||
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| Classic | $100,000 primary coverage | $1,000,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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| Go Ready Choice | $50,000 secondary coverage | $250,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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| Travel Select | $50,000 primary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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| Travel Guard Preferred | $50,000 Primary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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| Cruise Choice | $100,000 secondary coverage | $500,000 | Compare Quotes Via Compare Coverage’s website | |||||||||
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Methodology
Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.
Insurers could score up to 100 points based on the following factors:
- Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
- Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
- Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
- Preexisting medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover preexisting medical conditions if certain conditions are met.
- Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
- “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
- Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
- Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
- Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.
Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.
HTH Worldwide travel insurance review FAQs
Yes, HTH Worldwide’s three TripProtector plans cover both domestic and international travel.
The cost of a HTH Worldwide travel insurance plan varies depending on several factors such as the traveler’s age, trip cost, trip destination and type of coverage. For example, the cost of HTH Worldwide TripProtector Classic plan for a $3,000 trip for two 30-year-old travelers heading to Mexico for eight days would be about $116.
Yes, HTH Worldwide travel insurance plans include coverage for COVID-19 in its emergency medical coverage.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
