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November 3, 2015

Travel Insurance

HTH Travel Insurance Review

With a number of flexible travel insurance policies available, HTH Travel Insurance has something to offer just about anyone, though options may be limited for those who don't already have a primary health plan.

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The Good

Choose your limits and deductibles

When you purchase a travel insurance policy from HTH Travel Insurance, you can select how much emergency medical coverage you want -- up to $1 million. You also get a say in how much you want your deductible to be. Few travel insurance providers give you these options and determine the coverage limits and deductibles for you. That makes HTH's flexibility a rare find in the industry and something you definitely want to keep in mind as you select the right travel insurance policy for you.

Multi-trip insurance plan

HTH Travel Insurance's multi-trip plan covers emergency medical expenses for an unlimited amount of trips within a 12-month period. If you're a frequent traveler, particularly if you spend a lot of time out of the country, this plan is invaluable. It covers pre-existing conditions as well as hospital care, prescription medications, and medical evacuations. Annual travel insurance plans are difficult to come by so, if you travel often, HTH Travel Insurance's multi-trip plan is something you should check out.

Special plans for international travel

HTH Travel Insurance offers two different travel insurance plans specifically designed for people traveling outside the U.S. Their Premier Expat plan covers emergency medical and dental care both inside and outside the country and you can keep this coverage for up to nine months after your trip. There's also the Essential plan which just covers any emergency treatment you receive while you're out of the country. In addition, there are also two plans just for students studying abroad. The short-term plan offers up to $1 million in coverage and the long-term plan has no medical maximum at all, so you can be sure that you're covered for the entire duration of your trip no matter what happens.

Group rates for five or more

The TravelGap Group plans cover trips as long as six months and offer rates 10% lower than standard single-trip rates. The group plans do not cover trip cancellation or interruption for lost or stolen luggage. However, they do provide solid emergency medical and dental coverage for all members of the group. Most travel insurance companies do not offer group rates unless there are 10 or more people traveling, so HTH Travel Insurance's plan is pretty unique in the industry. If you're traveling as part of a student organization or a missionary group, this is something you should look into.

Identity theft resolution services

Though it's not likely you'll require this service, there's no denying that it is useful to have on your side in the event that your identity is stolen. HTH Travel Insurance helps you through the process and with contacting the credit bureaus to notify them of your situation. ID theft resolution services probably won't be at the top of your priority list when choosing a travel insurance provider, but it's still something to keep in mind when you make your final decision.

The Bad

Some policies require a health plan

Because HTH Travel Insurance is a secondary provider, several of their policies only insure individuals who already have some sort of primary health insurance. This means that your primary insurance provider must handle your claims first. Any costs not covered by your primary health insurer are then be covered by HTH Travel Insurance. There are several other travel insurance companies out there that offer primary coverage for emergency medical treatment, and these are going to be better options for you if you don't meet the criteria for HTH's travel insurance policies.

Cancel for unforeseen events only

HTH Travel Insurance doesn't offer add-on coverage that enables you to cancel for any reason so you're limited in the reasons you can cancel your trip. HTH does cover the majority of common emergencies like terrorist attacks and natural disasters, but if some event that's not on the list of covered events comes up, you're out of luck. If this concerns you, you may want to look at some other travel insurance providers, like CSA Travel Protection and Travel Insured.

The Details


  • Maximum Age Insured: 85
  • Maximum Trip Cost: $30,000 per person
  • Minimum Travel Delay Time: 6 hours
  • Travel Delay Compensation: Up to $150/day
  • Underwriter: Stonebridge Casualty Insurance Company, HM Life Insurance Company

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