HTH Travel Insurance

Squaremouth offers 5 policies from HTH Travel Insurance. Below, you can compare all 5 policies and review each policy’s certificate.

Provider & Policy
TravelGap Voyager excl US
Certificate
TripProtector Preferred
Certificate
TravelGap Excursion excl US
Certificate
TripProtector Economy
Certificate
TripProtector Classic
Certificate
Ratings
AM Best Rating Underwritten by Nationwide Mutual Insurance Company

AM Best's Rating of A (Excellent)
Effective as of: 12/07/2023

Verify this rating at www.ambest.com
Underwritten by Nationwide Mutual Insurance Company

AM Best's Rating of A (Excellent)
Effective as of: 12/07/2023

Verify this rating at www.ambest.com
Underwritten by Nationwide Mutual Insurance Company

AM Best's Rating of A (Excellent)
Effective as of: 12/07/2023

Verify this rating at www.ambest.com
Underwritten by Nationwide Mutual Insurance Company

AM Best's Rating of A (Excellent)
Effective as of: 12/07/2023

Verify this rating at www.ambest.com
Underwritten by Nationwide Mutual Insurance Company

AM Best's Rating of A (Excellent)
Effective as of: 12/07/2023

Verify this 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
Cancellation
Cancel for Covid-19 Sickness

No coverage

Included in Trip Cancellation & Interruption

No coverage

Included in Trip Cancellation & Interruption

Included in Trip Cancellation & Interruption

Trip Cancellation

No coverage

100% of the trip cost

No coverage

100% of the trip cost

100% of the trip cost

Trip Interruption

$1,000 per person
Return Air only

200% of the trip cost

$1,000 per person
Return Air only

125% of the trip cost

150% of the trip cost

Hurricane & Weather

No coverage

Common carrier delay for 6 hours
Accommodation made uninhabitable
Must be purchased before storm is named

No coverage

No coverage

Common carrier delay for 24 hours
Accommodation made uninhabitable
Must be purchased before storm is named

Terrorism

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

No coverage

Covered for foreign and domestic

Financial Default

No coverage

Covered after 10 day wait

No coverage

No coverage

Covered after 10 day wait

Employment Layoff

No coverage

Covered
If employed for 1 continuous year

No coverage

Covered
If employed for 1 continuous year

Covered
If employed for 1 continuous year

Cancel For Medical Reasons

Included in Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Cancel For Any Reason

No coverage

Optional coverage
This benefit is separate from Trip Cancellation

No coverage

No coverage

No coverage

Medical
Medical Coverage for Covid-19

Included in Emergency Medical

Included in Emergency Medical

Included in Emergency Medical

Included in Emergency Medical

Included in Emergency Medical

Emergency Medical

$50,000 per person accident
$50,000 per person sickness
Secondary coverage

$500,000 per person
Primary coverage

$50,000 per person accident
$50,000 per person sickness
Secondary coverage

$75,000 per person
Secondary coverage

$250,000 per person
Primary coverage

Pre-Existing Condition

No coverage
Pre-existing look-back period 180 days

Covered if purchased within 21 days of trip deposit

Covered if enrolled in a Primary Health Insurance Plan

No coverage
Pre-existing look-back period 60 days

Covered if purchased within 14 days of trip deposit

Co-Insurance

Plan pays 100% after deductible

No Co-Insurance

Plan pays 100% after deductible

No Co-Insurance

No Co-Insurance

Medical Deductible

$250 per person

No Medical Deductible

$250 per person

No Medical Deductible

No Medical Deductible

Evacuation
Medical Evacuation & Repatriation

$500,000 per person

$1,000,000 per person

$500,000 per person

$500,000 per person

$1,000,000 per person

Loss or Delay
Travel Delay

$250 per person
$25 daily limit
Covered after 12 hour delay

$2,000 per person
$200 daily limit
Covered after 6 hour delay

$500 per person
$50 daily limit
Covered after 12 hour delay

$500 per person
$100 daily limit
Covered after 8 hour delay

$1,000 per person
$200 daily limit
Covered after 6 hour delay

Baggage Delay

No coverage

$400 per person
Covered after 12 hour delay

No coverage

$100 per person
Covered after 24 hour delay

$200 per person
Covered after 12 hour delay

Baggage & Personal Items Loss

$500 per person
$100 per item

$2,000 per person
$500 per item
$1,000 specific items limit

$500 per person
$100 per item

$750 per person
$250 per item
$500 specific items limit

$1,000 per person
$250 per item
$500 specific items limit

Missed Connection

No coverage

$1,000 per person
$200 daily limit
Covered after 3 hour delay
Cruise and tour only

No coverage

$250 per person
$100 daily limit
Covered after 3 hour delay
Cruise and tour only

$500 per person
$200 daily limit
Covered after 3 hour delay
Cruise and tour only

Accidental Death
24 Hour AD&D

$25,000 per person

$50,000 per person

$50,000 per person

No coverage

$25,000 per person

Flight Only AD&D

No coverage

$100,000 per person

No coverage

$25,000 per person

$50,000 per person

Sports
Sports & Activities

Covered
Limitations apply

Covered
Limitations apply

Covered
Limitations apply

Covered
Limitations apply

Covered
Limitations apply

Sports Equipment Loss

No coverage

Included in Baggage & Personal Items Loss

No coverage

Included in Baggage & Personal Items Loss

Included in Baggage & Personal Items Loss

Sports Fees

No coverage

Included in Cancellation & Interruption

No coverage

Included in Cancellation & Interruption

Included in Cancellation & Interruption

Other Benefits
Rental Car Damage

No coverage

$35,000 policy limit

No coverage

No coverage

No coverage

Money Back Guarantee

Free look up to 10 days after purchase

Free look up to 10 days after purchase

Free look up to 10 days after purchase

Free look up to 10 days after purchase

Free look 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