I have health insurance. Do I need travel insurance?

Answer:

Remember, many tour and cruise companies offer non-refundable packages! That means that if you get sick before your trip and have to cancel, you lose your entire investment. In addition, many managed care plans only cover emergency care when you're away from home. Even care that you thought was an "emergency" might not be covered. Many plans provide no coverage for international travel--not even traditional Medicare will cover care outside of the United States.

HTH's travel insurance plans include Emergency Evacuation coverage, a benefit that primary health plans almost never cover. If you have a medical emergency that qualifies, HTH and its assistance partner(s) will arrange and pay for you to be evacuated to a country and hospital that can deliver the care you need.

And remember, purchasers of our travel insurance products, TripProtector and TravelGap, also become members of the HTH TravelersClub, which provides many additional benefits to help ensure a safe and healthy trip.