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

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

FEATURES

Title
  • Bankruptcy of Travel Supplier The insurance covers cancellations or interruptions if the travel supplier declares bankruptcy.

  • Cancellation/Delay The insurance covers cancellations or delays due to an unannounced worker strike or bad weather.

  • Employment Termination or Transfer The insurance covers cancellations or delays due to employment termination or transfer.

  • Hijacked, Quarantined, or Jury Duty The insurance covers cancellations or interruptions due to hijacking, quarantine, or jury duty.

  • Military Personnel Called Away The insurance covers cancellations or delays if military personnel is called away.

  • Natural Disaster The insurance covers cancellations or interruptions due to a natural disaster.

  • Passport or Visa Theft The insurance covers cancellations or interruptions due to a stolen passport or visa.

  • Pre-existing Medical Condition The insurance covers cancellations or interruptions due to a pre-existing medical condition.

  • Sickness, Injury, or Death The insurance covers cancellations or interruptions due to the illness, injury, or death of the insured traveler or a loved one.

  • Terrorism The insurance covers cancellations or interruptions if an unforeseen terrorist attack occurs.

  • Traffic Accident En Route The insurance covers cancellations in the event the traveler gets into a traffic accident on the way to departure.

  • Work Reasons The insurance covers cancellations or interruptions for work reasons.

  • Pregnancy The insurance company covers cancellations if pregnancy prevents the ability to travel.

  • 24-Hour Medical Assistance The insurance provides 24-hour medical assistance during the trip.

  • Ambulance Transportation The insurance covers the costs of ambulance transportation during the trip.

  • Emergency Dental The insurance covers the costs of any emergency dental care required during the trip.

  • Emergency Evacuation The insurance covers the costs of an emergency evacuation during the trip.

  • Emergency Medical The insurance covers the costs of any emergency medical care required during the trip.

  • Hospital Service The insurance covers the costs of hospital visits during the trip.

  • Medical Evacuation The insurance covers the costs of medical evacuation during the trip.

  • Physician and Prescribed Drugs The insurance covers the costs of doctor visits during the trip and any prescribed medications.

  • Pre-existing Medical Conditions The insurance covers the costs of any treatment related to pre-existing medical conditions received during the trip.

  • Return of Remains The insurance covers the costs of returning bodily remains back home in the event of death during the trip.

  • Baggage Delay The insurance covers baggage that is delayed while traveling.

  • Cost to Replace Passport/Visa The insurance covers the costs of replacing lost or stolen passports or visas.

  • Lost, Stolen, or Damaged Baggage The insurance covers baggage that is lost, stolen, or damaged while traveling.

  • Missed Connection The insurance covers missed connections while traveling.

  • Trip Cancellation The insurance covers trip cancellations.

  • Trip Interruption The insurance covers trip interruptions.

  • Trip or Travel Delay The insurance covers trip or travel delays.

  • Annual Coverage The company offers annual policies.

  • Group Plans The company offers policies for groups of 10 or more.

  • Long-Term International The company offers policies for international trips of one year or more.

  • Medical Coverage The company offers medical coverage as part of their policies.

  • Single Trip The company offers policies for a single trip.

  • Concierge The company helps make reservations and provides recommendations of places to visit on the trip.

  • Currency Assistance The company provides help with emergency cash transfers and other currency assistance during the trip.

  • Identity Theft Resolution The company assists with reclaiming one's identity if it is stolen during the trip.

  • Interpretation Assistance The company provides interpretation assistance during the trip.

  • Legal Assistance The company provides legal assistance during the trip.

  • Rental Car Damage The insurance covers any damage to a rental car.

  • Travel Assistance The company provides travel assistance during the trip.

  • Business Assistance The company provides business assistance to those who are traveling for work.

  • Blog The company provides a blog discussing useful, industry-related topics.

  • FAQs The company provides a list of answers to frequently asked questions.

  • Knowledge Base The company provides a knowledge base of detailed help articles.

  • Accidental Death and Dismemberment The insurance covers accidental death or dismemberment that occurs during the trip.

  • Additional Personal Property Protection The insurance provides coverage for lost, damaged, or stolen personal equipment such as phones, sports equipment, and laptops.

  • Cancel for Any Reason The company reimburses the cost of the entire trip if it is cancelled for any reason.

  • Email The company has an email or ticket system dedicated to support.

  • Phone You can contact the company by phone to get support.

  • Live Chat You can contact the company through live chat.

  • Social Media You can contact the company with questions through social media networks.

Comparable


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