HTH Worldwide travel insurance has been in business for over 20 years and offers three single-trip plans and a handful of travel medical plans through its sister company, GeoBlue. With comprehensive plans and the ability to pay healthcare providers directly, HTH Worldwide is a travel insurance company worth considering.
Business Insider compared HTH Travel Insurance to the best travel insurance companies and found it to be a decent option, with reasonable premiums and some variety in choice. However, there's little that makes HTH stand out from its competitors.
HTH Worldwide Travel Insurance Pros and Cons
HTH Worldwide Travel Insurance Pros
- Reasonable premiums
- High medical emergency and evacuation coverage
- Direct pay with in-network healthcare providers
HTH Worldwide Travel Insurance Cons
- Optional CFAR limited to most expensive plan
- Cheapest plan doesn't offer CFAR coverage
- Preexisting condition coverage not offered with cheapest plan
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- Three plans to choose from
- Reasonable premiums
- CFAR coverage available with some plans
- High medical emergency and evacuation coverage
- Special coverages for pets, sports equipment, etc not available
- Limited reviews with complaints about claims not being paid
- Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
- Cancel for any reason insurance and missed connection insurance available with the Preferred plan
- Baggage delay insurance starting after 24 or 12 hours depending on the plan
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- Zero Complaint Guarantee
- Streamlined comparison platform
- Variety of partnered travel insurance companies
- Customer service team is difficult to reach
SquareMouth is an online marketplace that helps you choose a travel insurance policy from 32 companies that shares a comprehensive, streamlined overview page for each insurance provider.
SquareMouth Travel Insurance
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- Policy coverage includes most pre-existing health conditions
- Generous medical and evacuation amounts for peace of mind
- COVID coverage included by default on all insurance plans
- Offers a wide range of plans for various budgets and travel needs
- Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
- Limited add-on coverage options
- Baggage loss and delay coverage is low compared to competitors
Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.
Tin Leg- Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.
- Options to cover sports equipment
- Option to increase medical coverage
- Can cancel up to 48 hours before travel when CFAR option is purchased
- Affordable coverage for budget-conscious travelers
- Includes generous baggage delay, baggage loss, and trip delay coverage
- Optional "adventure activities" bundle available for riskier activities
- Pricier than some competitors with lower coverage ceilings
- Some competitors offer higher medical emergency coverage
Travelex travel insurance is one of the largest travel insurance providers in the U.S. providing domestic and international coverage options. It offers Essential, Advantage, Ultimate, and Travel Med Go options. Read on to learn more.
Travelex Travel Insurance- Optional CFAR insurance available with the Ultimate plan
- Travel delay insurance starting at $500 with the Advantage plan
- Emergency medical and dental coverage starting at $15,000
HTH Worldwide Travel Insurance Overview
HTH Worldwide is a travel insurance company owned and operated by Worldwide Insurance Services, which also operates GeoBlue Travel Insurance. In fact, many of the policies listed on HTH Worldwide's website are actually provided through GeoBlue, specifically its travel medical insurance. While we'll talk about those policies here, you can find more details in our GeoBlue travel insurance review.
HTH Worldwide's stand-alone products are its TripProtector trip cancellation policies. These offer comprehensive protection with relatively low premiums compared to many of its competitors. In fact, HTH Worldwide is among the companies included in our picks for the best cheap travel insurance.
Notably, HTH Worldwide also offers direct pay with in-network healthcare providers, though the process can take a little time.
That said, with the premiums you're paying, you'll encounter some concessions. For one, HTH Worldwide's coverage limits are far below that of many of the best travel insurance companies, particularly when it comes to trip cancellation limits, which start at $5,000 per person for its Economy plan.
HTH Worldwide Travel Insurance Plans and Coverage
HTH Worldwide offers three primary plans: TripProtector Economy, Classic, and Preferred. Each plan has different coverage levels and features, so you can choose the one that best fits your needs. But they'll all cover (up to a specified amount) things like trip cancellation and interruption, emergency medical expenses, lost or delayed luggage, and more.
Below you'll find the per-person coverage limits of HTH Worldwide's three travel insurance plans:
| TripProtector Economy | TripProtector Classic | TripProtector Preferred | |
| Trip cancellation | $5,000 | $25,000 | $50,000 |
| Missed connection | $100 per day; $250 max | $200 per day; $500 max | $200 per day; $1,000 max |
| Cancel for any reason | N/A | N/A | 75% when purchased within 21 days of initial trip deposit |
| Trip Interruption | 125% | 150% | 200% |
| Emergency medical | $75,000 | $250,000 | $500,000 |
| Emergency evacuation | $500,000 | $1,000,000 | $1,000,000 |
| Preexisting conditions | N/A | Yes, policy must be purchased within 14 days of initial trip deposit | Yes, policy must be purchased within 21 days of initial trip deposit |
| Accidental death and dismemberment | N/A | $25,000 | $50,000 |
| Repatriation of remains | $15,000 | $25,000 | $25,000 |
| Baggage loss/damage | $750 ($250 per item) | $1,000 ($250 per item) | $2,000 ($500 per item) |
| Baggage delay | $100 (after 24 hours) | $200 (after 12 hours) | $400 (after 12 hours) |
| Trip delay | $500 | $1,000 | $2,000 |
| Rental Car Damage | N/A | N/A | $35,000 |
These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts.
Additional Coverage Options from HTH Worldwide Travel Insurance
In addition to the three primary plans, HTH Worldwide also offers the following two plans, through GeoBlue, for travelers only looking for travel medical coverage:
- Single-trip option for travelers with primary health insurance: HTH Worldwide provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500.
- Single-trip option for travelers without primary health insurance: This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.
- Multi-trip option: This annual travel insurance plan is for people who are taking multiple sub-70-day trips within a 12-month period.
The following two plans listed on HTH Worldwide's website, also supplied by GeoBlue, are designed for people who live or work outside their home country:
- Xplorer plan: This plan is for individuals and families who intend to be outside their home country for more than three months per year.
- Navigator plan: This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.
Like other travel insurance providers, HTH Worldwide offers additional coverages that can be purchased along with the primary policy. These add-ons are only available for a Preferred plan, not an Economy or Classic plan.
The add-ons include:
- Cancel for any reason (CFAR): Will pay 75% of any prepaid trip expenses. You must purchase coverage within 21 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure. This add-on is only available for TripProtector Preferred.
- Collision Damage Waiver (CDW): Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)
HTH Worldwide Travel Insurance Cost
The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.
After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for HTH Worldwide plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.
Now let's look at a few examples to estimate HTH Worldwide coverage costs.
A 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following
travel insurance quotes:
- TripProtector Economy: $93.16
- TripProtector Classic: $115.56
- TripProtector Preferred: $156.20
Premiums for HTH Worldwide plans are between 3.1% and 5.2% of the trip's cost, well within the average cost of travel insurance.
HTH Worldwide provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:
- TripProtector Economy: $121.41
- TripProtector Classic: $149.43
- TripProtector Preferred: $200.75
Once again, premiums for HTH Worldwide plans are between 3% and 5% of the trip's cost, within and below the expected range of travel insurance costs.
A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:
- TripProtector Economy: $610.74
- TripProtector Classic: $743.15
- TripProtector Preferred: $995.04
HTH Worldwide plans cost between 3% and 5% of the trip's cost, below and within the average cost of travel insurance.
A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:
- TripProtector Economy: $324.95
- TripProtector Classic: $389.12
- TripProtector Preferred: $474.12
Premiums for HTH Worldwide plans for older travelers are between 5.4% and 7.9%, which is well within the average cost for travel insurance. While it's certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies often quote for older travelers.
How to Purchase and Manage a HTH Worldwide Travel Insurance Policy
It's fast and simple to get a quote from HTH Worldwide. Visit its website and provide basic information about your trip. You'll receive an immediate quotation for the insurance plans available for your journey, so it's simple to compare each one. Make sure you have all of the following information on hand:
- Primary destination
- Age of traveler(s)
- Total trip cost
- Travel dates
- State of residence
If you're buying a trip cancellation policy, you'll be directed to the HTH Worldwide quote page, where you can choose one of three plans. If you're within the specified purchasing window, you'll also be able to add cancel for any reason coverage to the Preferred plan.
Customers have a 10-day free-look period. During this window, the can cancel their policy and receive a full refund, as long as they haven't departed yet.
How to File a Claim with HTH Worldwide Travel Insurance
For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at tripprotection@hthworldwide.com. For all other claims, you can call 866-655-3058.
You must notify HTH Worldwide of your claim within seven days of first experiencing the covered loss. You'll also need to provide proof of loss within 90 days after the loss. The company doesn't provide an expected window for response or payment in its terms, but said that a claim usually takes anywhere from 30-45 days to process in response to a review on SquareMouth.
You can find HTH Worldwide's claim forms on its website.
HTH Worldwide Customer Service and Support Experience
HTH Worldwide has relatively few customer reviews to speak of. It has an average of 4.24 stars out of five on its SquareMouth page, which comprises the vast majority of online reviews. HTH Worldwide customer reviews were very complimentary about the purchasing experience, saying it was quick.
That said, customers also mentioned that HTH Worldwide is hard to reach for anything — purchasing, traveling, and claims. This can be especially concerning if you're trying to contact the 24/7 hotline while facing an emergency. That said, when customers were able to make contact, they had generally positive things to say about the experience.
One customer getting treated for a medical emergency was given a list of recommended hospitals in their area and HTH Worldwide's connection with GeoBlue meant that some hospitals were able to direct bill instead of the customer paying and getting reimbursed. This created some hoops the customer had to jump through, including obtaining a letter from HTH Worldwide. That said, the customer writes, "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."
It's worth mentioning that reviews on SquareMouth are generally inflated. The worst-reviewed provider is Azimuth Risk Solutions, with an average score of 3.92 while the highest provider is GeoBlue, with a 4.64. With this context, we actually see that HTH Worldwide is somewhere in the middle of the pack.
For a wider perspective on HTH Worldwide's services, let's look at third-party ratings.
The National Association of Insurance Commissioners' complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.
HTH Worldwide policies are underwritten by Nationwide Mutual Insurance company, which received a 1.62, indicating that it has more complaints than expected.
HTH Worldwide's parent company Worldwide Insurance Company has an A- (Excellent) Financial Strength Rating from AM Best, meaning it's likely to uphold its financial obligations, like claims.
HTH Worldwide Travel Insurance Alternatives
Learn more about HTH Worldwide compares to some of the best travel insurance providers.
HTH Worldwide Travel Insurance vs. Allianz Travel Insurance
If you look at coverage with Allianz Travel Insurance, you'll see that you can select from 10 different insurance plans. Much like HTH Worldwide, Allianz Travel Insurance offers single-trip policies and options for those who plan to be outside the country for longer. And, like with all insurance, the different plans provide varying degrees of coverage.
Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:
- Trip cancellation coverage up to $100,000
- Trip interruption coverage up to $150,000
- Emergency medical coverage for $50,000
- Coverage for baggage loss, theft or damage up to $1,000
- Travel delay coverage up to $800
Compare that to HTH Worldwide's most popular TripProtector Preferred Plan and you'll see that HTH Worldwide's emergency medical coverage limit is substantially higher. But Allianz Travel Insurance's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.
Read our Allianz travel insurance review.
HTH Worldwide Travel Insurance vs. Nationwide Travel Insurance
Amongst insurance providers, Nationwide Travel Insurance is one of the more familiar household names. Much like HTH Worldwide, Nationwide offers straightforward coverage with only two single-trip plans: the Essential Plan and the Prime Plan. Furthermore, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year.
To compare Nationwide and HTH Worldwide, we took a look at both companies' highest-tier plans.
Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.
In comparison, HTH Worldwide's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million.
The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.
Read our Nationwide travel insurance review.
Why You Should Trust Us: How We Reviewed HTH Worldwide Travel Insurance
To evaluate HTH Worldwide travel insurance, Business Insider reviewed the following factors.
Coverage amounts: We consider the policies available, what they cover, and how much coverage they offer. We like to see a variety of options available, with a great deal of flexibility to cover as many needs and customers as possible.
Inclusions/Exclusions: We consider common inclusions and exclusions, and how much customers have to pay for certain benefits. For example, many companies offer preexisting condition waivers, but reserve this benefit for more expensive plans. For example, HTH Worldwide reserves its CFAR coverage for its most expensive plan and its preexisting condition coverage for its Classic and Preferred plans.
Cost: We obtain quotes for a variety of travelers, including single travelers, families, couples, and older travelers. We see how the quotes compare to the standard costs of travel insurance, which is between 4% and 8% of your total trip cost. We also pay attention to any savings opportunities travelers can take advantage of, like discounts for children.
Customer service: We consider how a company treats its customers by looking at online customer reviews on sites like Trustpilot, SquareMouth, and the Better Business Bureau. We also look at ratings from third-party organizations like the NAIC and AM Best. We look at any customer service features a company offers, like 24/7 helplines.
Unique features: We look to see if a company has any unique features or benefits. For example, HTH Worldwide has the ability to directly pay healthcare providers.
Read more about Business Insider's travel insurance ratings methodology.
FAQs
How does HTH Worldwide travel insurance handle medical emergencies during travel?
HTH Worldwide travel insurance offers strong medical coverage, providing comprehensive support during medical emergencies, including access to a wide network of hospitals and emergency medical assistance.
Can I purchase HTH Worldwide travel insurance for high-risk destinations?
Yes, HTH Worldwide travel insurance can cover high-risk destinations and some adventure sports, though limits apply.
Are preexisting conditions covered by HTH Worldwide travel insurance?
Preexisting conditions are covered under HTH Worldwide's Classic and Preferred travel insurance plans as long as you purchase your policy within 14 and 21 days of your initial trip deposit, respectively.
Is HTH Worldwide travel insurance suitable for long-term international travel?
HTH Worldwide single-trip travel insurance policies max out at 90 days. If your trip exceeds this time frame, you may want to look into international health insurance Xplorer plans from GeoBlue, HTH Worldwide's sister company.
When should I buy HTH Worldwide travel insurance?
Ideally, you should buy HTH Worldwide travel insurance as soon as you book your trip, but you can purchase HTH Worldwide up to a day before your departure.
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