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Travel Insurance

HTH Worldwide travel insurance review 2024

Jennifer Simonson

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Kara McGinley

Updated 5:55 a.m. UTC March 19, 2024

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HTH Worldwide

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

Along with a couple of other policies, HTH’s TripProtector Classic offers generous layoff coverage. You’re eligible if you’ve been continuously employed for at least a year, with no waiting period.

• 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.
• 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 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.

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:

• Dental injury expenses ($300 maximum).
• Diagnostic X-rays and lab work. 
• In-patient medical emergency.

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.

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.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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On This Page

• Key takeaways

Is HTH Worldwide legit?

• Bottom Line Main highlights of HTH Worldwide travel insurance

HTH Worldwide travel insurance plans & coverage

Things not covered by hth worldwide travel insurance, cost of hth worldwide travel insurance plans, hth worldwide travel insurance reviews from customers, is hth worldwide travel insurance worth it, faqs: hth worldwide travel insurance, related topics.

HTH WorldWide Travel Insurance Review 2024: Is It Worth It?

• HTH Worldwide is a well-established travel insurance provider with 27 years of experience .
• The provider offers three comprehensive travel insurance policies : TripProtector Economy, TripProtector Classic and TripProtector Preferred. These plans cover trip cancellation, trip interruption, medical emergencies and more.
• Some plans include coverage for natural disasters and situations that involve acts of terrorism . Most travel insurance providers do not offer this type of coverage.
• Optional add-ons are available with the Preferred plan. These add-ons include cancel for any reason (CFAR) coverage, a collision damage waiver and a pre-existing medical condition waiver.
• It offers two additional policies designed specifically for medical and medical evacuation coverage .
• To compare multiple travel insurance policies and find the best one to suit your travel needs, try using our online comparison tool .

If you’re exploring travel insurance options, HTH Worldwide stands out as a trustworthy provider . 

The company offers comprehensive plans catering to various travel needs , including unique features like coverage for natural disasters and substantial medical care limits. 

In this HTH Worldwide review, we’ll break down all the plan details, optional add-ons, customer reviews and overall suitability so that you can make an informed decision about what to purchase for your upcoming journey.

• Good coverage for interruptions (up to 200%)
• Offers comprehensive trip protection and travel medical insurance
• Access to health services worldwide via the mPassport app
• Offers coverage for expatriates
• Medical plans may have a high deductible
• Baggage delay coverage requires 12 hour delay (long)

HTH Worldwide Travel Insurance, which is also known as HTH Travel Insurance and Worldwide Insurance Services, is a legitimate insurance provider. 

The company was founded in 1997 under the name Highway to Health; today, it operates under the HTH Worldwide brand. With 27 years of trading, the company is firmly established in the travel insurance market. HTH Travel Insurance offers a variety of comprehensive plans for travelers of all kinds.

Are you considering HTH Worldwide travel insurance for your next trip? To help you decide if this is the best travel insurance for your journey, here’s an in-depth look at the primary features, benefits and highlights of the company’s plans.

Bottom Line: Main highlights of HTH Worldwide travel insurance

When you buy travel insurance from HTH Worldwide, you gain access to a variety of comprehensive benefits. 

Depending on the plan you choose, you can get trip coverage for situations that are typically excluded from most travel insurance policies, including natural disasters. 

HTH Worldwide’s highest-level plans come with luxury benefits that are hard to find elsewhere — the TripProtector Preferred plan will reimburse you for up to 200% of your costs in case of a trip interruption. If you’re traveling as a group, HTH Worldwide offers a 10% discount.

If you’re concerned about medical coverage on your trip, HTH Worldwide offers high-limit options up to $500,000 for medical care and $1 million for medical transportation . Plus, with the company’s mPassport app, it’s easier to locate the closest health providers anywhere in the world. If you need to be hospitalized, the Direct Pay system can work with the facility to settle the bill.

Most HTH Worldwide travel insurance plans are designed for people who are taking a single trip.

HTH Travel Insurance

Options include:

TripProtector Economy:

This base-level TripProtector plan offers more trip coverage than HTH Worldwide’s single-trip plans; it’s best for shorter trips to low-risk, politically stable destinations. You’ll get a maximum of $5,000 for trip cancellation, 125% of the cost of trip cancellation, $75,000 of medical coverage and $500,000 for medical evacuation.

TripProtector Classic:

If you need a mid-range option with high medical coverage limits and comprehensive trip protection, this is your best bet. It covers trip cancellation up to $25,000 and trip interruption of up to 150% of the cost of the trip. Plus, you’ll get coverage for natural disasters and situations that involve terrorist activities.

TripProtector Preferred:

This is HTH Worldwide’s premier travel insurance plan; it comes with all the benefits of the Classic and Economy plans, plus trip interruption coverage up to 200% of the trip cost and up to $50,000 for trip cancellation. You’ll also get $500,000 in medical coverage and up to $1 million in medical transportation. This plan is a good option if you’re taking an expensive trip or traveling to a remote destination with high-cost medical evacuation options . For example, African safari vacations are often costly and involve outdoor excursions where the terrain can make access to emergency assistance a challenge, so this plan would be ideal for coverage on your trip to Botswana .

TravelGap Excursion excl US:

This plan is best if you already have U.S. health insurance and you want extra medical insurance for your trip. You can choose a maximum benefit ranging from $50,000 to $1 million and a deductible between $0 and $500. This plan covers professional services, inpatient hospital services, medical evacuation and a companion’s transportation to join you if you’re injured during your trip. It also comes with modest trip coverage.

TravelGap Voyager excl US:

This plan is best for people who need flexible travel medical coverage and don’t have primary health insurance in the United States. It comes with medical insurance during your trip, medical evacuation, companion travel and basic trip coverage. You can choose coverage limits between $50,000 and $1 million and a deductible between $0 and $500.

Here’s a brief look at how these plans compare:

Optional add-ons

HTH Travel Insurance offers a few optional add-ons, but only if you purchase the TripProtector Preferred plan. 

These benefits provide extra coverage and come at an extra cost.

Cancel for any reason coverage (CFAR)

This add-on allows you to cancel a trip for reasons not covered in the main policy. When you use it, you’ll be reimbursed for just 75% of the trip costs. To be eligible for CFAR coverage , you must cancel at least two days before you’re scheduled to depart.

Collision damage waiver

The collision damage waiver, which maxes out at $35,0000, covers any damages that result from theft, vandalism, collisions or certain weather conditions. You must be listed on the car rental agreement. The collision damage waiver isn’t available in New York or Texas.

Pre-existing medical condition waiver

The TripProtector Preferred plan can cover pre-existing medical conditions — but only if you buy the policy within 21 days of the date you make the first deposit for the trip. In addition, you must be medically cleared to travel on the day you buy the policy. This waiver covers diseases, illnesses and medical conditions for 60 days before your departure date.

Like most providers, HTH Worldwide travel plans come with a list of exclusions — things the policies do not cover. 

If you have the TripProtector Preferred plan, for example, typical exclusions include:

• Self-inflicted injuries
• Participation in war activities
• Flying a plane
• Mental and emotional disorders (unless you’re hospitalized)
• Athletic participation in professional sports
• Nonemergency surgeries and exams
• Pregnancy (unless it’s a complication of pregnancy)
• Dental treatment (unless it’s necessary after an injury)
• Suicide or suicide attempts
• Extreme sports
• High-risk or criminal activity
• Travel that goes against the advice of a doctor
• Travel to seek medical care

It’s also important to note that HTH Worldwide’s baggage benefits don’t apply to a wide range of items, including boats, professional equipment, musical instruments, hearing aids and orthodontic devices. 

Bear in mind that each policy may have different exclusions — read the fine print carefully to determine what your plan does not cover.

Based on our sales data, customers who purchased HTH Worldwide travel insurance via our platform spent an average of $203 for a 30-day trip. Therefore, we can assume that HTH Worldwide travel insurance costs around $7 per day.

To help you better understand how much HTH Worldwide travel insurance costs, we got quotes to five different countries for the three comprehensive HTH Worldwide plans: TripProtector Economy, TripProtector Classic and TripProtector Preferred. We then took the average of each quote.

Average Cost of HTH Worldwide Travel Insurance Plans

Keep in mind that the price of a travel insurance policy varies depending on several factors, such as your age and the cost of your trip. Therefore, your final cost will be different than those displayed above. To find out how much you’ll pay, get a quote using our online comparison tool .

Methodology for reaching these averages

We used the following details for each quote:

• Total trip cost : $2,000
• Trip duration : Seven days
• Time of trip : September 2024
• State of residence : California
• Destinations : Dominican Republic , Italy , Japan , Mexico and Spain

HTH Worldwide travel insurance plans have 481 customer reviews with an overall rating of 4.23 out of five on Squaremouth .

Here’s what reviewers had to say about HTH Worldwide.

What customers like

Positive reviews highlight these points:

• Easy purchase process
• Availability of direct insurance billing
• Kind and helpful customer service team

These are some reviews from pleased customers:

“I, unfortunately, had to utilize medical facilities on my most recent trip, and had a good experience with HTH…I was connected to someone who instantly created that email for me, and sent it to me and to the hospital. The whole thing took less than 30 minutes. With that letter in tow, I was able to be seen, treated and released without payment on my part. This made the entire episode easier on me. So, I had a very positive experience with HTH and would absolutely use them again.” - Philip

“I spoke with the customer service representatives several times both before and after purchasing my travel policy. Everyone I spoke with was very courteous and very professional. They explained everything very clearly.” - Patrick

What customers don’t like

Reviews that reflect unpleasant experiences mention these issues:

• Can be challenging to connect to support
• Filing claims can be confusing
• Claim processing can take more than one month

Below are some comments from unhappy reviewers.

Bear in mind that customers are often more likely to leave a review when they are upset, rather than when they are satisfied.

“Very difficult to reach them and when I did they would only say I had to file my small claim through the internet.” - Donna

“Had to call a couple different numbers to get a few simple questions answered so it made me concerned if I did have an issue or to file a claim.” - Justin

HTH Travel Insurance may be worth it if emergency medical coverage is your primary concern while traveling.

With the company’s emergency assistance line and mPassport app, you can find healthcare providers that contract directly with HTH Worldwide to handle direct payments and reduce your out-of-pocket costs. Many plans offer high limits for both medical and trip coverage , which is convenient for high-ticket trips to far-flung destinations.

If you need customizable medical coverage, your best bet is one of the company’s TravelGap plans. They allow you to choose your coverage and deductible limits , and they’re available to people with and without primary health insurance.

When you want high coverage limits for both medical care and trip protection, HTH Worldwide’s TripProtector plans are a better option. The Economy, Classic and Preferred plans offer tiered benefits with trip cancellation coverage up to $50,000, medical care up to $500,000, and medical evacuation up to $1 million. The Classic and Preferred plans also offer coverage for natural disasters and terrorism, which is useful when you’re traveling to high-risk countries.

If you want travel insurance that covers multiple trips or long-term travel, you might want to choose another provider .

Do HTH Worldwide travel insurance plans cover COVID?

Certain HTH Worldwide travel insurance plans cover COVID . For example, if you purchase the TripProtector Preferred plan and fulfill the requirements for the preexisting condition waiver, you can use the policy benefits if COVID affects your plans.

Do HTH Worldwide travel insurance plans cover preexisting medical conditions?

Many travel insurance plans from HTH Worldwide, including both single-trip policies, cover preexisting medical conditions. If you’re buying a TripProtector plan, keep in mind that the Economy and Classic plans do not cover preexisting conditions; the Preferred plan does, but only if you purchase it within 21 days of your first trip deposit.

Who owns HTH travel insurance?

HTH Travel Insurance falls under the umbrella of HTH Worldwide.

Hayley Harrison is an active personal finance contributor for LA Times Compare. She is passionate about helping consumers make informed financial decisions and achieve their financial goals by simplifying complex topics relating to insurance and personal finance.

Hayley brings first-hand knowledge of the finance industry thanks to her previous experience as a branch manager for a mid-sized regional bank and as a licensed accident and health insurance agent.

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Policy Details

LA Times Compare is committed to helping you compare products and services in a safe and helpful manner. It’s our goal to help you make sound financial decisions and choose financial products with confidence. Although we don’t feature all of the products and services available on the market, we are confident in our ability to sound advice and guidance.

We work to ensure that the information and advice we offer on our website is objective, unbiased, verifiable, easy to understand for all audiences, and free of charge to our users.

We are able to offer this and our services thanks to partners that compensate us. This may affect which products we write about as well as where and how product offers appear on our website – such as the order in which they appear. This does not affect our ability to offer unbiased reviews and information about these products and all partner offers are clearly marked. Given our collaboration with top providers, it’s important to note that our partners are not involved in deciding the order in which brands and products appear. We leave this to our editorial team who reviews and rates each product independently.

At LA Times Compare, our mission is to help our readers reach their financial goals by making smarter choices. As such, we follow stringent editorial guidelines to ensure we offer accurate, fact-checked and unbiased information that aligns with the needs of the Los Angeles Times audience. Learn how we are compensated by our partners.

HTH Travel Insurance Review

HTH Travel Insurance

Choose your limits and deductibles

Multi-trip insurance plan, special plans for international travel, group rates for five or more.

• John Hancock
• Allianz Global Assistance

How We Reviewed HTH Travel Insurance

8 hours of research

5 plans evaluated

2 competitors compared

HTH Travel Insurance offers a variety of policies and the option to choose your limits and deductibles. From single-trip insurance plans to policies covering international travel and long-term visits, HTH has a plan for almost anyone. This also extends to those traveling in groups of five or more with 10% off standard rates. About the only problem we saw was that anyone opting for a single-trip plan without U.S. primary health insurance will have to opt for a weaker alternative. Other policies offered such as multi-trip and international don’t even have an alternative, requiring you to have a health plan.

That being said, the flexibility of the policies on offer and your ability to choose the limits and deductibles still make for compelling policies worth considering. Especially if you are traveling in a group.

From the homepage: “We offer a wide selection of travel health insurance plans that include coverage for hospital care, surgery, office visits, prescription drugs and medical evacuation.”

Is it true?

Yes — as long as you have U.S. primary health insurance.

As stated on the homepage, the company “offers a variety of travel medical insurance across the U.S. under leading brands.” This means that HTH Travel Insurance is a secondary provider and almost all of the plans and policies offered required you to have primary health insurance.

So, while it is true that these plans can include coverage for hospital care, surgery, office visits, prescription drugs and medical evacuation, you might not get to experience these without primary health insurance. There is a version of the single-trip policy designed for those without a policy but it offers less coverage and some notable coverages are absent.

Product Overview

Those with primary health insurance traveling in a group

Those without health insurance

When you purchase a Single Trip 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.

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.

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.

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.

Possible Drawbacks

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.

The Competition

Hth travel insurance vs. john hancock travel insurance.

John Hancock has fewer options than HTH Travel Insurance and no where near the flexibility when it comes to coverage and deductibles. However, we appreciated the fact that what fewer plans John Hancock had were all solid. John Hancock also had a slightly higher financial strength rating but HTH’s A- is still considered excellent and reliable should you ever need a claims payout.

HTH Travel Insurance vs. Allianz TraveL Insurance

Allianz and HTH Travel Insurance offer a wide variety of plans and coverages to choose from. However, when put side-to-side, Allianz squeaked out ahead by not only having a couple more plans but also offering free coverage for children under 18. Allianz also has a higher financial strength rating of A+ but, again, an A- is nothing to sneeze at. One thing that was missing from Allianz that we found in both HTH and John Hancock was the option for any annual plans. If you’re a student or doing mission work, you’re going to need a long-term plan and Allianz might not be your best bet.

HTH Travel Insurance FAQ

Do i need a primary health plan to be eligible for hth travel insurance policies.

In most cases, yes. With the exception of the alternative Single Trip plan, you will need a primary health plan to be eligible for an HTH travel insurance policy. HTH is a secondary provider which means that it falls to your primary health plan provider to handle your claims before HTH can kick it to pick up the rest.

Are acts of terrorism covered under HTH travel insurance plans?

Yes, all of the HTH Travel Insurance plans we reviewed and most of the ones listed on the homepage cover for acts of terrorism. This includes injuries and illnesses as a direct result of terrorist attacks.

The Bottom Line

HTH Travel Insurance offers a lot of flexibility when it comes to choosing your coverage and deductibles. We would have liked to see a little more when it came to options for those without primary health plans and it would have been nice if children under 18 were covered. However, HTH offers more than enough to make up for this including a 10% discount for groups of five and more and a variety of international travel plans to suit all sorts of long-term travelers.

About the Authors

Brian Robson Staff Writer

Brian Robson has worked on Reviews.com for three years and has studied the insurance market as well as elements of personal finance including credit cards and credit monitoring. His work spans all categories, but he specializes in finance and insurance pieces.

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Table of Contents

• HTH Travel Insurance
• Provider Review

Reviews, Sales, and Service Ratings for HTH Travel Insurance

0.2% (49) negative reviews to sales Average on Squaremouth is 0.2%

• 5 stars 292
• 4 stars 101
• 1 star   32
• Customer Service Before Trip
• Customer Service During Trip
• Customer Service During Claim

Customer Reviews for HTH Travel Insurance

Sort by Most Helpful, Most Recent, Star Ratings, or select “Filed Claim” to only show reviews from customers who filed a claim.

• Next ›
• Last »
• Sort and Filter Sort/Filter All ratings 1 star 2 stars 3 stars 4 stars 5 stars Newest First Rating, best to worst Rating, worst to best Most helpful first Filed claim

Looking forward to my claim being settled with a full reimbursement for interrupted travel due to flight cancellations.

My experience getting the insurance coverage set up was excellent and no hassle. I will call upon you again for any of my several days of travel

I needed an operation & my Dr did not want me to travel so soon. I sent in all completed claim forms & I am still waiting for my refund.

This provided peace of mind while traveling.

Online-- best prices--- best offers any questions-- customer service is so sweet-- and answers any questions very easy to use all their services they make you feel totally protected-- 5 stars for HTM travel insurance

It was something I was advised to do, to get this insurance. After I purchased it, I never gave it another thought , as nothing happened to require insurance . I am thankful for that.

I was unable to go on my trip, had not recovered from Covid 3 weeks prior. Cancelled the trip 2/6/24, informed HTH Travel Insurance, filed the appropriate paperwork. I had a question on the financial documenation of payment they wanted. It took a week and another email to get an answer. Sent those additional papers on 2/20/24 to Nationwide TravClaims. No response so far by 2/23/24.

Review Updated: 03/22/2024

I submitted all documents requested, and am still waiting for payment of my cancelled trip. The company is unresponsive, and extremely slow. Very disappointed that I have not yet received my trip reimbursement covered by trip insurance. I would not use this company again, nor would I recommend it.

We are sorry about your experience with us. Please provide us with more information on your experience and we can address it accordingly. Our customer service team can be reached at [email protected] or 610.254.8769. We are constantly striving to build products that will better serve our customers and we accept your valuable feedback.

The process was longer than anticipated but it was finally completed. In contacting their customer service department, I was treated with good knowledge and good answers. The only disappointment was the delays but we can live with that.

This is the first time I have made a claim with a travel insurance company. It was a medical claim. I was very surprised at the fast resolution. I emailed the required information and received a check today. Total time was about two weeks. Very satisfied with this company and the process. Will be using again.

After comparing plans and prices and some reviews I made a purchase. I did call to inquire about coverage after the war in Gaza started as my trip was to Egypt. I got the information I needed by a helpful representative.

Insurance Providers

• Arch RoamRight
• AXA Assistance USA
• Azimuth Risk Solutions, LLC
• Berkshire Hathaway Travel Protection
• CSA Travel Protection
• Detour Insurance
• Generali Global Assistance
• Global Alert
• Global Guardian Air Ambulance
• Global Underwriters
• INF Visitor Care
• John Hancock Insurance Agency, Inc.
• MedjetAssist
• Nationwide Mutual Insurance Company
• Seven Corners
• Travel Insured International
• Travelex Insurance Services
• Trawick International
• USA-Assist Worldwide Protection
• USI Affinity Travel Insurance Services

Additional Information

• AM Best Ratings

Suggested companies

Seven corners, generali travel - usa.

HTH Travel Insurance   Reviews

Visit this website

Company activity See all

Write a review

Reviews 3.1.

Most relevant

Worst Insurance Plan

My wife was travelling to visit me in the states. I didn't have her on my primary insurance plan back then. I purchased a single-trip insurance from the HTH travel insurance and their partner GeoBlue. Everything went smooth and I was able to get her insurance card via email. On her fourth day of travel, she dislocated her collar bone to which we went to doctor and sought medical attention. After having her checked up, surprisingly the nurse showed saying the insurance does not cover it. I said there should be a mistake, but to no avail she was right. I contacted GeoBlue, someone picked up and as I could not understand him I asked to talk to a supervisor. He put me on hold and minutes later he handed to phone to some colleague. I gave her all the details of insurance card and she said the company does not offer insurance in the states. I said why do not you fix your website then as it allows people to buy, she was rude enough to cancel the insurance immediately with no reasoning at all. The bill was huge and I paid out of pocket. I am urging people, if there was a zero star rating, I would have spared the 1 star rating. Think twice buying this company's insurance. It is a waste of your time, money and can get you in trouble.

Date of experience : April 30, 2024

Highly recommend (from someone who’s submitted several claims)

I’ve used HTH a number of times over the years, and they have always been easy to work with. I’ve wound up in the hospital/clinic several times, and HTH has reimbursed me each time with no hassle. They’re pretty affordable and I’ve never had trouble getting in touch with customer service to ask questions about the plans. I would highly recommend them. I don’t even second guess it at this point, I just buy insurance from them whenever I go on a trip. Obviously you should do your research and make sure the plan works for your activities and risk tolerance, but it’s great for me and I’m a fairly adventurous traveler.

Date of experience : February 24, 2023

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Claim your profile to access Trustpilot’s free business tools and connect with customers.

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HTH Worldwide Travel Insurance Review (2024)

Our HTH Worldwide travel insurance review weighs the benefits and drawbacks of the company’s standard trip insurance policies and available upgrades.

with our comparison partner, Squaremouth

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

The best travel insurance companies offer comprehensive policies or a la carte plans to meet each traveler’s specific needs. HTH Worldwide has policies focused on medical expenses, multi-trip policies for business travelers and expatriates, and single-trip travel plans offering reimbursement for unexpected cancellations and delays. It also provides a 10% discount to groups of five or more seeking an insurance policy.

Learn more about what HTH Worldwide offers travelers like you in our in-depth review.

• Average Cost: $212
• BBB Rating: A-
• AM Best Score: A-
• Medical Expense Max: $500,000
• Emergency Evacuation Max: $1,000,000

Our Take on HTH Worldwide Travel Insurance

HTH Worldwide earned 4.3 out of 5 stars in our comprehensive review, landing at 14th overall out of the 20 travel insurance companies we’ve scored. 

HTH Worldwide received points for its coverage details and cost based on our methodology. We like how it offers cancel for any reason (CFAR) coverage for up to 75% of your total trip expenses. It also provides emergency evacuation limits of $1 million for its mid-level and premium plans. We especially appreciate how it gives travelers a 10% discount on an insurance policy for groups of five or more people.

However, while HTH Worldwide provides CFAR coverage, this optional add-on protection is only offered through its highest plan level and is not available in New York or Washington. HTH also restricts the rental car damage and pet medical expense coverage offered through its high-level plan to certain states.

Pros and Cons

Why trust marketwatch guides.

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

How HTH Worldwide Scored in Our Methodology

After analyzing HTH Worldwide using our travel insurance methodology , the company scored 4.3 out of 5 stars . It scored full points in our cost, coverage details and cancel-for-any-reason (CFAR) coverage amount categories. The company earned low marks for its claim eligibility window and credit rating.

What Does HTH Travel Insurance Cover?

HTH Worldwide offers three different trip protection plans to travelers seeking a travel insurance policy: TripProtector Economy, Classic and Preferred. The company provides notable coverage for trip interruption across all three plans, covering anywhere from 125% to 200% of your unused trip expenses. Only one other provider we’ve reviewed, Nationwide , offers up to 200% reimbursement in this area.

If you’re looking for CFAR coverage, you can only purchase an add-on with HTH’s Preferred plan for up to 75% expense reimbursement. Other standard protections offered by HTH include travel medical insurance , accidental death and dismemberment, emergency evacuation, baggage delay, trip delay and more. HTH’s Preferred plan also has options for add-ons such as rental car damage and pet medical expense coverage.

Policies Offered

Here is a comparison of the three comprehensive trip protection plans from HTH Worldwide. The limits and benefits are based on a solo 40-year-old traveler without pre-existing conditions vacationing outside the U.S.

HTH Add-On Options

Insurance riders are clauses changing the details of an insurance policy. Frequently, an insurance company will use riders to add specific coverage or increase limits.

Rather than purchasing individual add-ons using riders, customers can upgrade to the HTH Worldwide’s TripProtector Classic plan. Here are the limit increases that come with it.

• 100% cancellation insurance up to $25,000
• 150% interruption coverage
• $250,000 emergency medical
• $1 million evacuation
• $1,000 maximum for lost baggage or personal effects

If the Economy plan provides sufficient coverage, you can purchase a pre-existing condition exclusion waiver within 14 days of your first trip deposit.

Cost of HTH Travel Insurance Plans

The cost of an HTH travel insurance plan largely depends on the coverage level you choose. Basic plans, such as HTH’s TripProtector Economy, offer lower limits but cheaper premiums. HTH’s TripProtector Preferred plan features add-on protections like CFAR or pet medical expense coverage and overall higher coverage limits but is more expensive than other plans.

Companies decide on travel insurance policy costs based on several factors that help calculate the risk of covering a customer. For single-trip plans, most insurers make pricing decisions based on the trip cost, destination, age of the travelers, itinerary activities, pre-existing medical conditions and trip dates. 

Through our extensive research process, we found that the average cost of a travel insurance policy is $212 . Our team calculated this average by gathering quotes for various traveler profiles from 20 different insurance companies. See the table below for a breakdown of the average HTH policy cost across all three plans for seven sample travelers.

Use the chart below to compare HTH's average cost to competitors:

HTH Worldwide International Travel Insurance Cost

To help you compare the cost of HTH Worldwide travel insurance, we pulled quotes by plan level for a 30-year-old couple taking a $5,000 trip to Mexico.

Cost of HTH Health Insurance Plans

Hth worldwide travel insurance reviews.

HTH Worldwide has over 400 reviews on Squaremouth as of June 2023. Many of the positive reviews focus on the ease of the purchase process and access via the mobile app and website. Some reviewers complained that the claims process was complex and that it was difficult to connect with HTH via phone.

Here are four examples of reviews from verified Squaremouth customers.

“I have nothing but high praise for the experience. All questions were answered and the information was complete with zero confusion. Thankfully I did not need to utilize my coverage, but I traveled with the confidence that if I needed it would be there. I will definitely use this service again and recommend this to my friends and family.” —John from NY “ First of all, the website is clear and simple and it was easy to buy the travel insurance online. We had some minor health issues in Singapore and upon return, I filed a claim. No questions asked and claim was processed. We had our refunds. Recommended my sister-in-law (she left for Europe) 2 days ago and she purchased a package from HTH.” —May Kim from NY “Trip to Peru/Machu Picchu was canceled due to several issues in Peru, [primarily] being no train service to Machu Picchu. Trawick provided conflicting information on whether the claim was covered. It is clear that they are doing everything they can to avoid paying a claim, or provide other options, as promised. Use another, reputable insurance provider!” —Peter Lievense “ HTH Travel says it has 24/7 customer service, but this only applies for emergency medical care . For everything else, you have to contact them during regular business hours on Eastern U.S. time zone, which is very difficult to do from many international locations. They are also very busy during their business hours, so I was never able to speak to an agent during our trip. I left a message with my contact information to receive a call when an agent was available, after being prompted to do so due to the high call volume. I was never contacted.” —A from GA

HTH Worldwide responded with the following: We are sorry about your experience. Due to the strain of the pandemic and higher than normal inquiry volumes, we are doing our best to respond to all inquiries in the order they were received. We appreciate your patience and understanding as we work through these unprecedented circumstances.

“I don’t understand why it had been so difficult to get the proper claims forms from HTH/ Nationwide . I had to call multiple times only to receive PDF forms to fill out that have limited space and are cumbersome. HTH hold times are unacceptable, and it’s amazing to me that the claims process isn’t digital. HTH proves that it’s easy to buy an insurance policy but difficult to make it work in times of need.” —Sven from NY

HTH Worldwide responded with the following:

• Go to https://hthtravelinsurance.com/index.cfm
• Click on “member login” in the top righthand corner.
• Click on “Register here”
• Enter your certificate number, First name, last name.
• Click “continue”
• Policy documents will appear in member portal. If you have any issues with this process, please reach out to our customer service team at 610-254-8769 or email [email protected].

How To File a Claim with HTH Worldwide

HTH Worldwide directs TripProtector customers to its claims page ( https://hthtravelinsurance.com/TP_TPP_Claims.cfm ). This page has downloadable PDF versions of claims forms and information about supporting documentation. The company also says you can request forms by email, fax, phone or standard mail.

HTH Worldwide provides the following contacts for claims-related submissions and questions.

Medical Claims: Telephone:  888.243.2358 Fax: 610.293.3528 Mail: HTH Worldwide 933 First Avenue King of Prussia, PA 19406 Email: [email protected]

All other claims Telephone:  866.655.30358 Mail: HTH Worldwide P.O. Box 939057 San Diego, CA 92193-9057 Email: [email protected]

Compare HTH Worldwide to Other Travel Insurance Companies

If you are traveling to a remote destination with fewer medical facilities, the likelihood of needing medical evacuation increases in the event of a serious accident. Depending on your destination, you may want to consider a company offering plans with high evacuation limits.

Does HTH Worldwide Offer 24/7 Travel Assistance?

HTH Worldwide offers assistance to policyholders via its Global Health and Safety Services. This 24/7 travel assistance is available for all insurance plans from HTH. You can access this assistance by phone (toll-free or collect calls).

Services are also available via the mPassport mobile app or web platform. Policyholders can access a list of physicians or hospitals accepting direct payment from the insurance company and make appointments directly on the app or site.

What’s Not Covered by HTH Worldwide Travel Insurance?

Each of HTH Worldwide’s three travel insurance plans provides a set list of exclusions, making it easy for policyholders to understand what is and is not covered. Some exclusions include losses resulting from or involving the following situations:

• Self-inflicted injury
• Insurrection or rebellion
• Breakage of fragile items
• Insect or vermin infestation
• Participation in professional sports
• Participation in extreme or adventure sports
• Property illegally acquired, kept, stored or transported

If you’re looking for extreme or adventure sports coverage, we suggest considering a travel insurance plan from World Nomads . We named this provider our pick for adventure travelers thanks to its coverage of activities such as scuba diving, bungee jumping, windsurfing, alpine ski touring and more.

Read More: Travel Insurance For United States Tourists

Is HTH a Good Choice for Travel Insurance?

HTH is a good choice for travel insurance if you’re seeking high trip interruption coverage limits and CFAR coverage. HTH offers trip interruption limits upwards of 200% and provides 75% CFAR reimbursement through its Preferred plan.

Despite HTH’s high trip interruption coverage limits and available CFAR coverage, it does not offer coverage for hurricane and weather delays, whereas other companies we’ve reviewed do. In addition, the company does not offer some coverage add-ons in select states. We encourage you to consider your unique concerns and needs as a traveler before choosing a policy.

Frequently Asked Questions About HTH Worldwide Travel Insurance

Does hth worldwide cover pre-existing conditions.

HTH covers pre-existing conditions under certain circumstances. Pre-existing conditions are not covered on any TripProtector plan. However, HTH sells pre-existing condition exclusion waivers for customers buying Classic or Preferred plans. They must get the waiver within 14 days of the initial trip payment.

Does HTH sell multi-trip policies?

HTH does sell multi-trip plans, called Trekker Essential and Trekker Choice, but only for travel health insurance. The policies do not include cancellation or other trip protection benefits. The plans are through GeoBlue, the travel health insurance brand of Worldwide Insurance Services, which also owns HTH Worldwide.

Does HTH Worldwide sell any add-ons for its TripProtector plans?

Yes, HTH Worldwide sells add-ons for its TripProtector plans. In addition to the pre-existing condition waiver, TripProtector Preferred customers can purchase cancel for any reason (CFAR) coverage, which reimburses 75% of the cost of a single trip without requiring a reason for cancellation.

Can I purchase insurance after departing for my trip?

No, you cannot purchase insurance from HTH after departure. TripProtector policies must be sold in the U.S. If you have already left on your trip, you are unable to get coverage from HTH Worldwide. Some other insurers sell policies after departure, but they typically have a two or three-day waiting period before coverage begins.

Other Travel Insurance Providers to Consider

If you’re looking to compare travel insurance providers, check out our other guides to help you find the right coverage for your needs.

• Travelex travel insurance
• Nationwide travel insurance
• Tin Leg travel insurance
• WorldTrips travel insurance
• AIG Travel Guard travel insurance
• Seven Corners travel insurance
• Faye travel insurance

Methodology: Our System for Ranking the Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

More From Forbes

Is travel insurance refundable here’s everything you need to know.

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Sometimes, travel insurance is refundable. Here's when you can get your money back.

Peter Hoagland always checks to see if his travel insurance is refundable. That's because anything can happen between the time you book your vacation and when you leave — and because travel insurance isn't always refundable.

During the pandemic, he discovered that the hard way. He had to cancel a trip and asked for his money back from the insurance company. It refused.

"Since then, I always read the fine print on the policy," he says.

The refundability of travel insurance has always been an open question. Some countries and U.S. states regulate refundability. Travel insurance companies put refundability details in the fine print of the policy. And, as Hoagland found out, there are always exceptions.

Like the pandemic, when refund policies were all over the map. Some insurance companies adhered to their published policies. Others offered a credit that could be reused within a year, which was minimally useful because the pandemic was still happening a year later. Others quietly gave their customers a refund.

Hoagland says he fought for his money. Eventually, he contacted a manager at his travel insurance company.

"That produced a quick result," he says. "I got my money back."

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But let's face it: Getting a refund for travel insurance can be difficult. There are times when insurance is always refundable because it's required by law. There are times when it's sometimes refundable. And there are times when it's almost never refundable. But even then, there may be a way to recover some — or all — of the value of your policy.

Getting a refund for travel insurance can be a challenge

If you have a travel insurance policy and would like to get a refund, it might be easier said than done, say experts.

"While travel insurance is regulated like auto and home insurance, it’s often less standardized," says Stuart Winchester, CEO of Marble, a digital wallet for your insurance. "So first off, it’s important to check the fine print of your specific policy. Don’t assume it’s like the last one you got."

Even when you have something in writing, a refund can require some serious negotiating skills.

"Getting a refund for travel insurance can be complicated and frustrating," says Peter Hamdy, the managing director of a tour operator in Auckland, New Zealand. He's asked for a refund on policies numerous times and says that despite what travel insurance companies may tell you, there are no hard-and-fast rules when it comes to getting a refund on your policy.

"Some situations can warrant a refund," he says. "It depends on your policy."

What does a typical refundability clause look like? For example, the World Explorer Guardian from Insured Nomads notes that it's refundable only during the 10-day review period from the date of delivery or 15 days from the date of delivery if mailed, provided you have not already departed on your trip and you have not incurred any claimable losses during that time. If you depart on your trip before the expiration of the review period, the review period ends and the policy can't be refunded.

"We go a bit further with our World Explorer Travel Medical plans," notes Andrew Jernigan, CEO of Insured Nomads. "If no claims have been filed then we can refund the unused portion of the policy if you cut your trip short.”

When can you get a refund for travel insurance?

Here are the most common cases where travel insurance can be refunded:

• If you cancel during the "free look" period required by the government. Most states require what's called a "free look" period of anywhere from 10 to 14 days. "During this period, travelers can review the purchase and make sure it fits their needs," explains James Nuttall, general manager of Insubuy . "If it does not, they can cancel it for any reason and get a full refund, no questions asked, so long as you haven’t departed yet.
• If you cancel during the travel insurance company grace period. Many insurance companies also have a grace period for refunds (usually, they are the same as the "free look" although some grace periods can be longer). "If you’re outside your grace period, which typically lasts one to two weeks after signing, you’re contractually obliged to pay your premiums," says David Ciccarelli, CEO of the vacation rental site Lake . "Still, it doesn’t hurt to ask your company for a refund or alternative options if you’re outside your grace window. You might not get a yes, but it could lead to some cost savings or better solutions."
• When someone else cancels your trip. "For instance, if your cruise is canceled due to low river tide, you are not at fault and would typically receive a full refund or credit for a future sailing, thus eliminating the need for the travel insurance policy," explains Rhonda Abedsalam vice president of travel insurance for AXA Assistance US.
• If you die. Typically, the policy would be refunded to your next of kin. Generally, you can also ask for a refund if your travel companion dies before your trip.

Remember, it depends on where you buy your insurance

The refundability of your insurance can depend on where you purchased it. Commercial policies bought from a cruise or tour company are generally canceled and refunded if you cancel the trip far enough in advance of your departure date.

"The travel insurance cancellation provisions are generally tied to the cancellation provisions for the cruise or tour," explains Dan Skilken, president of TripInsurance.com . "After you have paid the last deposits on the cruise and are close enough to departure that they will not provide a refund on the cruise, they generally will also not provide a refund on the travel insurance. But if you cancel early enough to get all or most of your deposit back, you will also get your travel insurance premium refunded."

If you’ve purchased retail travel insurance from a third-party provider or comparison website, you can often get a refund if you can show receipts proving that you received a full refund of all trip deposits and have not had any cancellation penalties or taken any travel credits when you canceled your trip.

That's because retail travel insurance is sold for a specific traveler and for a specific trip. If you have proof of a complete refund and have not received travel credits, then you no longer have what's called an "insurable interest" in the trip. The insurance company must cancel and refund your premium in full, says Skilken.

Insider tip: If the insurance company refuses, just tell them you have proof that you no longer have an insurable interest in the trip. You have to have an insurable interest in a trip to own a travel insurance policy.

Your agent may be able to help you get a refund

You may also be able to lean on the agent who sold you the policy. For example, all policies on Squaremouth come with a money-back guarantee.

"The purpose of this benefit is to give travelers extra time to review their policy documentation to be sure it’s the best policy for their coverage needs," says spokeswoman Jenna Hummer. At Squaremouth, the money-back period typically lasts between 10 and 14 days, which is in line with the mandated "free look" period.

However, I have also seen agents negotiate with travel insurance companies for a more generous refund period in case of extenuating circumstances. There's no guarantee that you'll get it, but it's worth asking — and one reason to work with a third party.

Agents can also help you avoid this problem. Susan Sherren, who runs Couture Trips , a travel agency, notes that American Airlines Vacation Packages offers a predeparture protection insurance plan, which allows cancellation for any reason before the outbound departing flight time. Other restrictions apply, she adds.

"More flexibility will often cost you more," she says. "But having the flexibility is a great way to sleep well at night."

Can't get a refund? Look for other kinds of flexibility from your travel insurance company

Even if your travel insurance company says no to a refund, it doesn't necessarily mean you've lost the value of your policy.

"If a travel supplier changes or cancels your trip, you should be able to change your travel insurance policy to match the new dates of your trip or even cover a new trip, sometimes up to two years into the future," says Daniel Durazo, director of external communications at Allianz Partners USA .

Pro tip: Be sure to change the dates of your travel insurance policy before the departure date of your current itinerary. You can do that online or by calling your agent. Once the policy's effective date has passed, making any changes or initiating a refund or credit becomes much more difficult.

Don't forget to do your due diligence

Bottom line: Travel insurance is refundable under certain circumstances. But knowing when can require research.

"It's important for consumers to carefully read their policy upon receipt to understand the specific terms offered by their insurance provider," says Robert Gallagher, president of the US Travel Insurance Association.

The more you know, the likelier you are to get the refund you want when your plans change.

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Generali Global Assistance

Learn about travel insurance plans offered through Generali Global Assistance and how they compare.

Generous coverage amounts for emergency medical expenses and evacuation

Customize your plan with select add-on coverages

Cancel for any reason (CFAR) coverage available with Premium plan

Preexisting conditions coverage available with Premium plan

Preferred pricing for families

CFAR coverage only reimburses at 60% and must be purchased within 24 hours of initial trip deposit

Baggage delay benefits require a minimum delay of 12 to 24 hours (depending on plan)

No annual plans

What Generali Global Assistance Is Known For

Generali Global Assistance keeps things simple by offering three main travel insurance plans for consumers: the basic Standard plan, the mid-tier Preferred plan and the Premium plan with superior coverage. These plans stand out in several areas, including their relatively high limits for emergency medical expenses and emergency medical evacuation, robust coverage amounts for travel delays, included concierge services, and 24-hour travel assistance.

The company's Premium plan offers the most coverage and highest policy limits by far, as well as access to several add-ons you can't purchase with other plans. For example, the Premium plan from Generali Global Assistance includes coverage for preexisting medical conditions, but only if travel insurance is purchased within 24 hours of making a final trip payment. This is unique from many other plans that cover preexisting conditions, which typically require you to purchase travel insurance within a few weeks of making an initial trip deposit instead.

This top-tier plan also includes rental car coverage automatically, and it's the only plan from Generali that lets consumers add on cancel for any reason (CFAR) travel insurance . With this type of insurance, individuals can cancel their trip for any reason and get part of their upfront costs back.

With CFAR coverage from Generali Global Assistance, however, travelers are only reimbursed up to 60% for prepaid travel expenses like airfare, hotels and tours. This is less than you'll get with many other travel insurance plans that let you buy CFAR coverage and reimburse at 70% to 80% of prepaid trip costs. Not only that, but you can only add CFAR coverage to a plan if you purchase travel insurance within 24 hours of making an initial deposit on your trip.

Generali Global Assistance Travel Insurance for Individual Trips

Generali Global Assistance offers three tiers of travel insurance protection to choose from. The basic Standard plan includes essential coverage with lower limits, and the Preferred and Premium plans offer more coverages with higher limits and more optional benefits.

The chart below highlights what you'll get with each of the travel insurance plans from Generali Global Assistance, plus the policy limits that apply.

  As you compare travel insurance plans from Generali Global Assistance, you should know about some of the fine print terms that can apply. The most important details are highlighted below:

• Baggage delays: This coverage doesn't kick in until at least 24 hours with the Standard plan, 18 hours with Preferred coverage and 12 hours with the Premium plan.
• Baggage insurance: Items lost in baggage without a receipt are reimbursed at 75% of actual cash value (not replacement value).
• Sporting equipment: Sports equipment that's lost or stolen in baggage without a receipt will be reimbursed at 75% of actual cash value (not replacement value).
• Sporting equipment delays: This coverage requires an 18-hour delay with the Preferred plan and a 12-hour delay with the Premium plan.
• Travel delay coverage: This protection kicks in after a 10-hour delay with Standard plans, a delay of eight or more hours with the Preferred plan, and a six-hour delay with the Premium plan.

Generali Global Assistance Travel Insurance Costs

Costs for travel insurance from Generali Global Assistance vary based on the plan you select, the number of travelers in a plan, the total cost for a trip, the age of travelers and other factors. To help you get an idea of how much you'll pay for a plan, we applied for travel insurance quotes for several different trips that cost between $2,500 and $14,000.

Generali Global Assistance is accredited with the Better Business Bureau, where it also has an A+ rating. However, the company has a very low average star rating of just 1.11 out of 5 stars across 300-plus user reviews on the platform. The company has also closed more than 500 customer complaints with the BBB in the last three years, 258 of which were resolved in the last 12 months.

Generali has a 4.57 rating out of 14,000-plus reviews on InsureMyTrip and a 4.33 rating out of about 4,500 reviews on Squaremouth. On Trustpilot, the company has an average star rating of 3.4 out of 5 stars across more than 400 reviews from past customers. Below, we listed examples of positive and negative user reviews from several platforms that show some of the best and worst attributes of the company.

I've used Generali Travel Insurance in South America and Japan

I've used Generali Travel Insurance in the past. I like the website purchase as it is straightforward and displays 3 options with clear coverage. It only asked a few questions to filter the individual to the right product. – Richard S. via Trustpilot

Generali Global Assistance Standard

Generali was professional and courteous. I had to file a medical cancellation claim and it was easy to file and was resolved very quickly. Generali was great and I would use them again. – Edward K. via InsureMyTrip

Policy: Standard

My experience with Global was very good. The only issue was a computer glitch in their new claim system. It was a little confusing at times but my claim agent was very helpful and helped me get through the process. They settled my claim much faster than I anticipated. It was overall, a good experience. – Katherine via Squaremouth

If I could give this company 0 stars I would. My wife went into labor and they refused to refund us our vacation rental booking because they didn't consider a woman going into labor as an emergency. We even talked to them before canceling and they told us to cancel the whole booking to get our full refund. This is a HORRIBLE company that needs to be investigated thoroughly. Shame on VRBO for using them as a travel insurance company. – Tanner B. via Better Business Bureau

If I could give zero stars I would

If I could give zero stars I would. I think the people (or bots) giving higher stars have not had to make a claim. I was diagnosed with AML and will be hospitalized for a month to receive a stem cell transplant and needed to cancel my trip. I have uploaded all the documentation they requested. I have not been able to talk to an actual person. I have tried 4 different phone numbers and sent emails to the suggested address only to get an automated response. This company is a complete scam! – Denise via Trustpilot

Why Trust U.S. News Travel

Holly Johnson is a travel writer who covers topics like travel insurance, family travel, all-inclusive resorts and cruises. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Johnson works alongside her husband, Greg, who sells travel insurance through their travel agency, Travel Blue Book .

Read more about Generali Global Assistance in:

• The Best Travel Insurance Companies
• The Cheapest Travel Insurance Companies
• The Best Travel Insurance for Europe
• The Best Travel Insurance for Mexico
• The Best Travel Insurance for Australia

Introduction to VisitorsCoverage Travel Insurance

• Types of Policies Offered
• VisitorsCoverage Cost
• Customer Service and Support

How to File a Claim with VisitorsCoverage Travel Insurance

• Why You Should Trust Us

VisitorsCoverage Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The process of buying travel insurance can be tedious and stressful as you scour the internet for the best travel insurance companies . VisitorsCoverage exists to simplify the process by showing you all the options available for your particular travel details.

Since 2006, VisitorsCoverage has helped more than 1 million travelers check peace of mind off of their packing list, no matter the destination. It partners with popular travel insurance companies as a broker, so it can quote policies and manage payments on its website. 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse travel insurance plans for solo and group travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers medical insurance for US visa holders for up to two years
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers plans designed for missionaries and international volunteers
• con icon Two crossed lines that form an 'X'. VisitorsCoverage does not underwrite or service travel insurance plans
• con icon Two crossed lines that form an 'X'. Claims experiences may vary widely based on which carrier you buy your plan from

VisitorsCoverage is a travel insurance marketplace that allows you to sort through the best travel insurance policies for your travel details and compare policies against one another. The information it provides on each policy is thorough and straightforward, so you don't have to wade through dense legalese to understand your policy. You can purchase travel insurance directly on VisitorsCoverage's website as well as manage your policy and adjust your coverage.

You'll have to file claims directly with your insurer, but VisitorsCoverage has a Claims Assistance Hub that will contact your insurer on your behalf to expedite the process and provide updates. The Assistance Hub is a great asset given that claims offices are infamously inaccessible and uncommunicative.

While VisitorsCoverage excels as a platform for travel insurance, VisitorsCoverage doesn't field customer reviews of insurance products, which you can find with some of its competitors like Squaremouth and InsureMyTrip. This isn't a major exclusion, but it means you have to conduct additional research for that information, which isn't ideal for a service that exists primarily to simplify the buying process.

Types of Policies Offered by VisitorsCoverage

VisitorsCoverage partners with many travel insurance providers to offer comprehensive coverage options. If you're looking for cancellation protection, baggage protection, and other standard coverages, it can provide many options based on your residence, destination, and costs.

It also works with carriers specific to Europe and Schengen visas. Europe-bound travelers also enjoy medical evacuation and repatriation protections. The descriptions are straightforward, and the site offers options to search for doctors, manage your plan, and more on its website,

If traveling with family, friends, or coworkers, its website may prompt you to consider group travel insurance. Coverage protects up to five travelers with health coverage in the event of an accident or illness at a reduced rate of up to 20% compared to identical coverage for five individual travelers. If you're traveling for business, you may also want to consider its business coverage, which covers lost luggage, trip interruption, and terrorism, along with emergency medical care (including emergency medical evacuation).

One thing this travel website brings to the table is variety. As an online broker, customers can get multiple quotes at once. However, its partnerships allow it to expand the most common understanding of what travel insurance covers , catering to less common travel scenarios such as non-US residents (including Americans working full-time abroad) traveling to the U.S., missionaries, and visa applicants.

Additional Coverage Options (Riders)

VisitorsCoverage has filters that can tailor your insurance search based on your needs. You'll find specific search functions for the following types of travel insurance :

• AD&D insurance coverage: This provides a lump sum benefit to the insured's beneficiary in the event of accidental death. The insured can also collect a benefit after an accidental dismemberment (losing a limb).
• Pre-existing condition insurance: This plan is designed for travelers with diagnosed conditions (existing before applying for travel medical insurance) who want to see the world without fear of what to do should a medical emergency arise. Coverage includes emergency services like hospitalization, surgery, and even medical evacuation.
• Cruise insurance: This short-term trip insurance protects cruisers from losses related to delays, cancellations, illnesses, injuries, etc., while at sea.
• Immigrant/Green Card insurance: This type of plan offers short-term coverage (up to two years) for individuals needing medical insurance coverage while visiting the United States. It's ideal for visa applicants who ideally obtain long-term healthcare through their employer once their work visa is approved.
• Student visa insurance:  Students spending a semester away from their home country or attending university in a foreign country often require travel insurance that meets certain standards.

VisitorsCoverage Travel Insurance Cost

The average cost of travel insurance is around 4-8% of trip costs. Travel insurance premiums of $100-$200 per trip are standard, especially when traveling internationally. A cancel for any reason rider raises travel insurance premiums by about 50% with most travel insurance companies. However, many travelers enjoy the peace of mind of eliminating denials for excluded causes.

Individual policy premiums are based on benefits offered plus criteria unique to each traveler, including age, health status, and the length of the trip. Because VisitorsCoverage partners with many popular travel insurance providers, shoppers can compare the cheapest options with more substantial coverage and decide which plan works best for them.

VisitorsCoverage Customer Service and Support

VisitorsCoverage has very good online customer reviews, receiving an average of 4.8 out of five stars on its Trustpilot page and 4.6 stars from Google Maps reviews left on its company headquarters located in Santa Clara, California. Negative reviews often pertain to customer experiences with unresolved claims, which isn't necessarily a reflection on VisitorsCoverage, but the actual insurance provider.

It's worth noting that VisitorsCoverage's customer support team is extremely responsive to customer reviews, usually responding within one or two business days to Trustpilot and Google Maps reviews.

VisitorsCoverage is not your travel insurance company but a liaison between you and different travel insurance providers. As such, it's no surprise that it does not handle your claims. However, it can assist you in navigating your claims and will attempt to reach out to your insurance provider if the process is delayed.

If you input your policy number on its website, the company can identify which travel insurance company you purchased your plan from. Then it will direct you to the right website or offer the address and correct claims forms. If you don't have your policy number, its website lists the different insurers it partners with and basic claims information. If you need to file claims, the most its customer service agents can do is direct you to the right company and plan administrator.

Remember to file your claim as soon as possible, especially when seeking reimbursement for covered medical expenses. In addition to the claim form, be prepared to provide the plan administrator with copies of your passport plus any medical bills/receipts.

VisitorsCoverage Frequently Asked Questions

 You can contact VisitorsCoverage by calling 1-866-384-9104 or email us at [email protected]. Business hours are from 7: a.m. - 5:00 p.m. PT, Monday to Friday. You can also chat with an agent through VisitorsCoverage's website chat function.

Yes, VisitorsCoverage has a specific search function for international trips as well as international travelers visiting the U.S.

VisitorsCoverage allows you to filter your search to only include policies that cover pre-existing medical conditions. 

VisitorsCoverage doesn't have its own claims filing process, but has tools to make your filing process with your insurance provider more user-friendly. It will also contact unresponsive claims offices on your behalf.

You can filter your insurance search based on companies that offer adventure activities. You'll need to conduct your own independent research to see if your particular sport is covered under a particular policy.

Why You Should Trust Us: What Went into Our VisitorsCoverage Travel Insurance Review

When writing this review, we researched and compared popular travel insurance companies based on myriad factors, including policies offered, add-ons, cost, convenience, claims process, and customer satisfaction. Information on numerous travel insurance products is used in the process, and opinions expressed are based solely on facts gleaned.

Neither marketing tactics nor standalone online reviews were used in compiling these ratings. As most customer reviews come from individuals who have yet to file a claim, an emphasis is placed on plans offered instead of services rendered. VisitorsCoverage is unusual because it's not the travel insurance company, but we reviewed it based on the support provided, its partners' coverage, etc.

You can learn more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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