HTH Worldwide HTH Worldwide

Listed are all plans offered by HTH Worldwide. You can compare coverages, and review plan's certificates.

Compare plans offered by HTH Worldwide
Provider HTH Worldwide Match_logo_20x75_hth HTH Worldwide Match_logo_20x75_hth HTH Worldwide Match_logo_20x75_hth HTH Worldwide Match_logo_20x75_hth HTH Worldwide Match_logo_20x75_hth HTH Worldwide Match_logo_20x75_hth HTH Worldwide Match_logo_20x75_hth HTH Worldwide Match_logo_20x75_hth HTH Worldwide Match_logo_20x75_hth HTH Worldwide Match_logo_20x75_hth HTH Worldwide Match_logo_20x75_hth
Plan Name TravelGap Voyager TravelGap Voyager TripProtector TripProtector Preferred TravelGap Multi-Trip Silver TravelGap Multi-Trip Silver TravelGap Multi-Trip Gold TravelGap Multi-Trip Gold TravelGap Excursion TravelGap Excursion TripProtect e-Saver
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Ratings
AM Best Rating Underwritten by HM Life Insurance Company
AM Best's Rating of A- (Excellent)
Effective as of: 11/02/2011
Verify Rating at
www.ambest.com 		Underwritten by HM Life Insurance Company
AM Best's Rating of A- (Excellent)
Effective as of: 11/02/2011
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www.ambest.com 		Underwritten by Stonebridge Casualty Insurance Company
AM Best's Rating of A- (Excellent)
Effective as of: 06/16/2011
Verify Rating at
www.ambest.com 		Underwritten by Stonebridge Casualty Insurance Company
AM Best's Rating of A- (Excellent)
Effective as of: 06/16/2011
Verify Rating at
www.ambest.com 		Underwritten by HM Life Insurance Company
AM Best's Rating of A- (Excellent)
Effective as of: 11/02/2011
Verify Rating at
www.ambest.com 		Underwritten by HM Life Insurance Company
AM Best's Rating of A- (Excellent)
Effective as of: 11/02/2011
Verify Rating at
www.ambest.com 		Underwritten by HM Life Insurance Company
AM Best's Rating of A- (Excellent)
Effective as of: 11/02/2011
Verify Rating at
www.ambest.com 		Underwritten by HM Life Insurance Company
AM Best's Rating of A- (Excellent)
Effective as of: 11/02/2011
Verify Rating at
www.ambest.com 		Underwritten by HM Life Insurance Company
AM Best's Rating of A- (Excellent)
Effective as of: 11/02/2011
Verify Rating at
www.ambest.com 		Underwritten by HM Life Insurance Company
AM Best's Rating of A- (Excellent)
Effective as of: 11/02/2011
Verify Rating at
www.ambest.com 		Underwritten by Stonebridge Casualty Insurance Company
AM Best's Rating of A- (Excellent)
Effective as of: 06/16/2011
Verify Rating at
www.ambest.com
Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee This provider complies with Squaremouth's Zero Complaint Guarantee
Cancellation
Trip Cancellation No coverage No coverage 100% of the trip cost 100% of the trip cost No coverage No coverage No coverage No coverage No coverage No coverage 100% of the trip cost
Trip Interruption $500 per person $500 per person 100% of the trip cost 150% of the trip cost No coverage No coverage No coverage No coverage $500 per person $500 per person No coverage
Hurricane & Weather No coverage No coverage Mandatory Evacuation conditionally covered
Covered for Inclement Weather
Accommodation at destination made uninhabitable
Must be purchased before storm is named		 Mandatory Evacuation conditionally covered
Covered for Inclement Weather
Accommodation at destination made uninhabitable
Must be purchased before storm is named		 No coverage No coverage No coverage No coverage No coverage No coverage Mandatory Evacuation conditionally covered
Covered for Inclement Weather
Accommodation at destination made uninhabitable
Must be purchased before storm is named
Terrorism No coverage No coverage Covered for foreign and domestic Covered for foreign and domestic No coverage No coverage Covered for foreign and domestic Covered for foreign and domestic No coverage No coverage Covered for foreign and domestic
Financial Default No coverage No coverage Covered after 14 day wait Covered after 14 day wait if purchased before the final trip payment No coverage No coverage No coverage No coverage No coverage No coverage No coverage
Employment Layoff No coverage No coverage Covered after 15 day wait
If employed for 1 continuous year		 Covered after 15 day wait
If employed for 1 continuous year		 No coverage No coverage No coverage No coverage No coverage No coverage Covered after 15 day wait
If employed for 1 continuous year
Cancel For Work Reasons No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage
Cancel For Any Reason No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage
Medical
Emergency Medical $50,000 per person
Secondary coverage		 $50,000 per person
Secondary coverage		 $500,000 per person
Secondary coverage		 $1,000,000 per person
Secondary coverage		 $50,000 per person international and $2,500 per person while in USA
Secondary coverage		 $50,000 per person international and $2,500 per person while in USA
Secondary coverage		 $250,000 per person international and $25,000 per person while in USA
Secondary coverage		 $250,000 per person international and $25,000 per person while in USA
Secondary coverage		 $50,000 per person
Secondary coverage		 $50,000 per person
Secondary coverage		 No coverage
Pre-Existing Condition No coverage No coverage Covered if policy purchased before the final trip payment Covered if policy purchased before the final trip payment Covered Covered Covered Covered Covered if enrolled in a Primary Health Insurance Plan Covered if enrolled in a Primary Health Insurance Plan No coverage
Pre-existing look-back period 180 days
Co-Insurance Plan pays 100% after deductible Plan pays 100% after deductible No Co-Insurance No Co-Insurance No Co-Insurance No Co-Insurance No Co-Insurance No Co-Insurance No Co-Insurance No Co-Insurance No Co-Insurance
Medical Deductible $250 per person $250 per person No Medical Deductible No Medical Deductible $50 per person $50 per person $50 per person $50 per person $250 per person $250 per person No Medical Deductible
Home Country Coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage No coverage
Evacuation
Medical Evacuation & Repatriation $525,000 per person $525,000 per person $1,000,000 policy limit $1,000,000 policy limit $250,000 per person $250,000 per person $500,000 per person $500,000 per person $525,000 per person $525,000 per person No coverage
Loss or Delay
Travel Delay No coverage No coverage $1,000 per person
$150 daily limit
Covered after 6 hour delay		 $1,000 per person
$150 daily limit
Covered after 6 hour delay		 No coverage No coverage No coverage No coverage No coverage No coverage No coverage
Baggage Delay No coverage No coverage $200 per person
Covered after 24 hour delay		 $200 per person
Covered after 24 hour delay		 No coverage No coverage No coverage No coverage No coverage No coverage No coverage
Baggage & Personal Items Loss $500 per person
$100 per occurrence		 $500 per person
$100 per item		 $1,000 per person $1,500 per person No coverage No coverage No coverage No coverage $500 per person
$100 per item		 $500 per person
$100 per item		 $500 per person
Missed Connection No coverage No coverage Included in Trip Interruption $1,000 per person
Covered after 3 hour delay
Cruise and tour only		 No coverage No coverage No coverage No coverage No coverage No coverage No coverage
Life Insurance
Life Insurance - Accidental Death $25,000 per person $25,000 per person $50,000 per person $50,000 per person No coverage No coverage $25,000 per person $25,000 per person $25,000 per person $25,000 per person No coverage
Life Insurance - Air Flight Accident No coverage No coverage $100,000 per person $200,000 per person No coverage No coverage No coverage No coverage No coverage No coverage $100,000 per person
$200,000 policy limit
Other Benefits
Rental Car Damage No coverage No coverage No coverage $50,000 policy limit No coverage No coverage No coverage No coverage No coverage No coverage No coverage
Money Back Guarantee Up to 10 days after purchase Up to 10 days after purchase Up to 10 days after purchase Up to 10 days after purchase Up to 10 days after purchase Up to 10 days after purchase Up to 10 days after purchase Up to 10 days after purchase Up to 10 days after purchase Up to 10 days after purchase Up to 10 days after purchase
24 Hour Assistance Service 24 hour assistance provided 24 hour assistance provided 24 hour assistance provided 24 hour assistance provided 24 hour assistance provided 24 hour assistance provided 24 hour assistance provided 24 hour assistance provided 24 hour assistance provided 24 hour assistance provided 24 hour assistance provided
Identity Theft No coverage No coverage No coverage Covered for 180 days after departure No coverage No coverage No coverage No coverage No coverage No coverage No coverage
Renewable Policy Not renewable Not renewable Not renewable Not renewable Not renewable Not renewable Not renewable Not renewable Not renewable Not renewable Not renewable
Maximum Trip Length Not applicable Not applicable Not applicable Not applicable 70 days per trip 70 days per trip 70 days per trip 70 days per trip Not applicable Not applicable Not applicable
Maximum Number of Trips Not applicable Not applicable Not applicable Not applicable No limit No limit No limit No limit Not applicable Not applicable Not applicable