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HTH Worldwide

Provider	HTH Worldwide
Plan Name	TravelGap Voyager

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
Zero Complaint Guarantee	This provider complies with Squaremouth's Zero Complaint Guarantee
Cancellation
Trip Cancellation	No coverage
Trip Interruption	$500 per person Return transportation only
Hurricane & Weather	No coverage
Terrorism	No coverage
Financial Default	No coverage
Employment Layoff	No coverage
Cancel For Work Reasons	No coverage
Cancel For Any Reason	No coverage
Medical
Emergency Medical	$50,000 per person Secondary coverage
Pre-Existing Condition	No coverage
Co-Insurance	Plan pays 100% after deductible
Medical Deductible	$250 per person
Home Country Coverage	No coverage
Evacuation
Medical Evacuation & Repatriation	$525,000 per person
Non-Medical Evacuation	No coverage
Loss or Delay
Travel Delay	No coverage
Baggage Delay	No coverage
Baggage & Personal Items Loss	$500 per person $100 per item
Missed Connection	No coverage
Life Insurance
Life Insurance - Accidental Death	$25,000 per person
Life Insurance - Air Flight Accident	No coverage
Life Insurance - Common Carrier	No coverage
Sports
Hazardous Sports	No coverage
Sports Equipment & Fees	No coverage
Amateur Sports	No coverage
Other Benefits
Rental Car Damage	No coverage
Money Back Guarantee	Up to 10 days after purchase
24 Hour Assistance Service	24 hour assistance provided
Additional Benefits	No coverage
Identity Theft	No coverage
Renewable Policy	Not renewable
Maximum Trip Length	Not applicable
Maximum Number of Trips	Not applicable
All Events Upgrade	No coverage

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HTH Worldwide

Providers

Benefits

Claims Information

AM Best Ratings

Certificates