HTH Worldwide has been a trusted travel insurance provider for more than 20 years. HTH is known for offering strong medical benefits with high coverage limits. All five of the plans they offer on Squaremouth meet or exceed or recommended medical coverage amounts, making HTH a great choice for international trips where your primary health insurance does not apply.
In addition to offering strong travel medical benefits, three of HTH’s plans offer fully comprehensive coverage, with cancellation benefits and generous coverage for travel delays and baggage complications.
HTH Worldwide is a credible travel insurance provider. Its parent company, Nationwide Mutual Insurance Company, is one of the largest and most well-known insurance companies in the world. Their plans have an A (Excellent) rating from A.M. Best, the top authority on rating the financial stability of insurance companies.
The provider has also proven to provide solid customer service, with a 4.2 out of 5 rating on TrustPilot and an A- rating from the Better Business Bureau. According to some customer reviews, however, HTH does have room for improvement with its customer service during and after trips.
Our Take: HTH Worldwide is a well-regarded travel insurance provider with various plans for just about any type of trip. They stand out from other providers for their strong medical coverage within all of their policies, not just the high-end plans.
If you’re looking for a top-tier, comprehensive plan, we recommend TripProtector Preferred. This is one of the most robust plans on our marketplace, with benefits for the most important traveler concerns. This includes cancellations, medical emergencies, delays and luggage. This plan also offers Accidental Death and Dismemberment (AD&D), Pre-Existing Condition, and Rental Car Damage coverages for no additional cost. If you need the most possible flexibility when it comes to cancellation, you can also upgrade the plan to include Cancel For Any Reason (CFAR).
If you’re just looking for medical coverage overseas, either TravelGap plan offered by HTH provides sufficient medical benefits. This is key, as U.S. health insurance does not extend abroad.
Overall, HTH is a great option if you want a reliable provider and the most important travel insurance benefits.
HTH Worldwide is consistently one of the 10 highest-rated providers on Squaremouth’s platforms, based on hundreds of travel insurance reviews. HTH has an overall rating of 4.24 out of 5.
We ask every Squaremouth customer to rate the level of service they received from their provider before, during, and after their trip. The following ratings are based on over 500 reviews from HTH Worldwide customers.
Feedback from HTH’s customers is mostly positive, although they stand out for their pre-trip customer service with a 4.34/5 rating. This is key if you need to alter your policy in any way, such as changing your travel dates or increasing your trip cost, or if you have any last-minute questions about your plan.
However, HTH falls below other providers when it comes to ratings during the trip and during the claims process. They scored 3.33/5 and 3.69/5 in these areas.
Below are some comments from travelers who have recently purchased a plan from HTH and reviewed their experience working with the provider:
HTH Worldwide offers comprehensive travel plans and travel medical plans for trips to any destination worldwide. When you compare their plans, consider the following pros and cons:
Every plan offered by HTH meets or exceeds Squaremouth’s medical travel insurance recommendations. This means each plan offers at least $50,000 in Emergency Medical coverage and at least $100,000 in Medical Evacuation coverage. Some of HTH’s plans far exceed those amounts, with limits as high as $500,000 and $1,000,000.
Additionally, every HTH plan also includes some form of AD&D coverage. This is a unique element, as not all travel insurance plans offer these benefits.
When it comes to comprehensive coverage, their TripProtector Preferred plan stands out for a few reasons. One main standout feature is the inclusion of 200% Trip Interruption coverage, the highest amount available. This is also their only plan that includes key benefits that are less common, including Rental Car Damage and the option to add Cancel For Any Reason.
There are, however, some drawbacks to HTH Worldwide’s plans. Namely is a short Money Back Guarantee period of 10 days, compared to an industry standard of 14. This is the period that allows you to review your plan and cancel for a full refund, so having extra time can be important to some travelers.
Ready to explore your options? Compare HTH plans against other top providers.
HTH Worldwide offers five travel insurance plans, with a range of options that make it a strong option for many travelers. Three of these plans are comprehensive, and two of them are travel medical plans. See how these products compare to each other below:
| Plan | Medical |
Evacuation & Repatriation |
Trip Cancellation | Trip Interruption | CFAR Option |
|---|---|---|---|---|---|
| TravelGap Voyager excl US | $50,000 Primary | $500,000 | No coverage | $1,000 per person | |
| TripProtector Preferred | $500,000 Primary | $1,000,000 | 100% of the trip cost | 200% of the trip cost | |
| TravelGap Excursion excl US | $50,000 Primary | $500,000 | No coverage | $1,000 per person | |
| TripProtector Economy | $75,000 Secondary | $500,000 | 100% of the trip cost | 125% of the trip cost | |
| TripProtector Classic | $250,000 Primary | $1,000,000 | 100% of the trip cost | 150% of the trip cost |
HTH offers three comprehensive product options: TripProtector Economy, TripProtector Classic, and TripProtector Preferred.
TripProtector Economy is their entry-level plan, offering basic comprehensive coverage for the most common traveler concerns. This plan offers 100% coverage for Trip Cancellation and 125% for Trip Interruption, however the covered reasons for these benefits are somewhat limited, as Hurricane & Weather, Terrorism, and Financial Default coverage is not included. And with $75,000 in Emergency Medical and $500,000 in Medical Evacuation, this plan exceeds our recommended coverage amounts. Additional benefits included are Travel Delay, Missed Connection, Baggage Delay, and Baggage Loss. This plan is ideal for budget travelers who still want comprehensive coverage.
TripProtector Classic provides a step-up in coverage, offering all the same benefits but at higher coverage limits. This is highlighted by an increase to 150% in Trip Interruption, $250,000 in Emergency Medical, and $1,000,000 in Medical Evacuation. This plan also offers higher benefit limits for delays and luggage, plus it covers cancellations caused by weather, terrorism, and financial default. This is an ideal policy for international travelers who need higher coverage limits and medical benefits.
TripProtector Preferred is the ultimate step-up in coverage offered by HTH Worldwide. This plan offers even further coverage amounts than the Classic plan, with 200% for Trip Interruption, $500,000 for Emergency Medical, and increased benefits for delays and luggage. This plan also offers $1,000,000 in Medical Evacuation. Beyond the baseline coverage, the Cancel For Any Reason upgrade is available within this policy, and this is one of 6 plans on our platform that includes Rental Car Damage for no additional cost. This plan is best-suited for luxury travelers who value the ultimate flexibility and high medical benefit limits.
HTH Worldwide offers two travel medical insurance plans: TravelGap Voyager and TravelGap Excursion. These plans are built specifically for travelers who need medical coverage while traveling abroad. Both policies include $50,000 in Emergency Medical and $500,000 in Medical Evacuation coverage. They also provide AD&D, plus some coverage for travel delays, lost baggage, and interrupted trips.
HTH is one of the most popular travel insurance providers on the Squaremouth marketplace, with strong coverage for many different trip types. See how they compare to the other insurance companies on our platform.
| Plan Features |
|
 |
|---|---|---|
| Overall Coverage | Broad coverage, with options for customization |
|
| Cost | High, but balances out with the coverage amounts. |
Moderate pricing with flexible plan options |
| Customer Rating |
4.2
Good
|
4.5
Very Good
208 Reviews
|
| AM Best Rating | A (Excellent) | A (Excellent) |
| Unique Benefits | “TripProtector’’ policies are comprehensive and cover 100% of trip costs in the event of cancellations |
Sporting equipment coverage |
| Insurance Partners | Backed by Nationwide Mutual Insurance Company. | Backed by BCS Insurance Company and Jefferson Insurance Company. |
The cost of HTH travel insurance varies significantly depending on what type of policy you need. Due to the benefits offered, comprehensive plans are far more expensive than travel medical plans. The table below shows how HTH Worldwide’s premiums compare to other providers.
* The average premium is calculated using the last 12 months of sales, not including trip cancellation, for consumers ages 20 to 59, with a trip length between 4 to 16 days.
* The average premium is calculated using the last 12 months of sales, including trip cancellation, for consumers ages 20 to 59, with a trip cost between $5,000 - $9,999.
The average cost of comprehensive travel insurance through HTH is $401.69. This is the third-highest average premium on our platform. Their travel medical plans, on the other hand, are much less expensive relative to other providers. At an average premium of $23, they offer the fourth best deal on our platform.
Buying from a reputable travel insurance provider is key in the event you need help with your policy. At the time of writing, HTH is the 8th highest-rated insurer on our platform, with a composite ranking of 4.24 out of 5. They especially excel in customer service before the trip, however are outperformed by other companies when it comes to providing assistance during a trip and claims services.
Every provider on Squaremouth’s site is carefully vetted and complies with our Zero Complaint Guarantee. This ensures we only offer plans from the most reliable and financially stable travel insurance companies.
Yes, HTH Worldwide is worth the cost, especially for travelers heading abroad who need sufficient medical coverage. Choose one of the TripProtector plans if you need cancellation coverage and other comprehensive benefits. And if you just need medical benefits, consider one of the TravelGap plans.
If you need ultimate flexibility and fully comprehensive plans, the options through HTH are limited to one plan: TripProtector Preferred. From a coverage standpoint, this is one of the strongest offerings on the market top-to-bottom.
If you can’t find an HTH plan that fits your needs or would just like to compare alternative options, consider one of the three providers below:
Tin Leg is an extremely popular provider on our platform due to its wide range of products for travelers taking all types of trips. Tin Leg Gold is the best-selling comprehensive plan on Squaremouth that offers well-rounded protection at a competitive price point.
Travel Insured International is one of the top-selling providers on Squaremouth. Their FlexiPAXoption is a great fit if you’re looking for a plan that provides plenty of customization options.
IMGis a very comparable option to HTH. They also offer both comprehensive and travel medical plans, and stand out for their strong medical benefits.
Yes, HTH offers comprehensive travel insurance options. They have three policies in this category: TripProtector Economy, TripProtector Classic, and TripProtector Preferred. Each of these plans cover the most common traveler concerns, including cancellations, medical emergencies, travel delays, and luggage. These are tiered plans, with TripProtector Preferred offering the most benefits and highest coverage amounts.
Cancel For Any Reason is the only upgrade offered by HTH Worldwide. In addition to this, some plans include Pre-Existing Condition coverage, as long as they’re purchased within the time-sensitive window, and TripProtector Preferred includes Rental Car Damage coverage by default. Some other providers treat these benefits as optional upgrades.
Yes, HTH does offer travel medical insurance plans. Two of their five policies, TravelGap Voyager excl US and TravelGap Excursion excl US, are travel health plans that were specifically designed to provide medical coverage overseas. And their other three plans, while not specifically deemed travel medical insurance plans, also offer medical and evacuation benefits.
Yes, all 5 of HTH’s travel insurance plans meet our recommended medical coverage amounts for international travel. Their plans range in coverage from $50,000 to $500,000 for Emergency Medical, and from $500,000 to $1,000,000 for Medical Evacuation.
Yes, HTH Worldwide does offer 24/7 emergency assistance. If you need assistance during your trip, contact HTH as soon as reasonably possible, and they will help. This can be for something minor like a travel delay, or something major like a medical emergency.
Squaremouth is a travel insurance marketplace and does not process travel insurance claims for HTH Worldwide. However, our travel insurance claims center has all the information you need to file a claim directly with HTH.
Once you’ve filed your claim, if you need any assistance, our Zero Complaint team will be happy to help you with the claims process.
Customer Service: 888-243-2358
Hours of Operation:
Weekdays, 8:00am - 8:00pm ET
Claims Phone: 888-243-2358
Claims Hours of Operation:
Weekdays, 8:00am - 8:00pm ET
Mail to:
HTH Travel Insurance
c/o Claims Department
933 First Avenue
King of Prussia,
Pennsylvania
19406
Emergency Assistance:
Inside USA: 877-865-5979
Outside USA: 610-254-8771
Claims Email: customerservice@hthworldwide.com
Fax: 610-293-3528
Provider Claims Website: Please click here
Customer Service: 844-276-1213
Hours of Operation:
Weekdays, 8:00am - 8:00pm ET
Claims Phone: 888-957-5009
Claims Hours of Operation:
Weekdays, 8:00am - 8:00pm ET
Mail to:
HTH Travel Insurance
c/o Claims Department
933 First Avenue
King of Prussia,
Pennsylvania
19406
Emergency Assistance:
Inside USA: 877-865-5979
Outside USA: 610-254-8771
Claims Email: team1@cbpinsure.com
Fax: 610-293-3528
Provider Claims Website: Please click here
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