HTH Travel Insurance Reviews

Surprised that our options to cover pre-existing conditions and be primary coverage was limited, but HTH has reliably offered this coverage through Squaremouth.

Purchased HTH Travel Insurance through Squaremouth ahead of our Panama Canal & Caribbean Cruise.
Incurred some unexpected medical needs on-Ship which resulted in on-Ship medical bills and a missed nonrefundable prepaid port excursion.
We didn't want to delay making the insurance claim, so we did so within a week of when we returned home. Policy information (obtained when the policy was first purchased) seemed to focus on mailing-in paperwork ... but with a bit of searching I found that CBPInsure provided an online portal for submitting a claim. Entered the HTH policy number into CBPInsure and our names were pre-populated ... Success!
Paperwork from the Ship didn't align exactly with the categories of documents CBPInsure recommended, but CBPInsure clearly recommended lumping all the paperwork together and using the "Other" category for the downloaded pdf(s) if things didn't align just right.
Made some hand annotations on the documents (highlighting expenses associated with the claim -- helping to justify numbers a bit more than just submitting bare receipts) before scanning and downloaded everything easily. CBPInsure provided an automated confirmation email which included copies of all the downloaded documents. (BTW, it really helped having printed copies of several interim bills from on the Ship. This made it easier to justify unanticipated expenses and missed excursion costs.)
Less than three weeks later we now have two refund checks: one for the itemised on-Ship medical bills and another for the missed prepaid port excursion. So we're good on our insurance claim!!!
Squaremouth/HTH/CBPInsure did *very* well! We will look towards using same for future similar travel insurance needs.

just fine. fortunately, no need to make a claim.

Navigating the website was easy. Knowing that the Policy included pre existing medical conditions was an important factor to buying the policy.

My wife had to have a hip replacement and when I called to file a claim I was told it was an existing condition and I could file, but it would be denied. When the trip was booked we did not know she would need surgery. Plus the airline changed our flight from a direct flight of 4 hours or so to 3 layovers that would have been close to 20 travel hours and we couldn't do that either. We will never look for travel insurance with your company again. Very poor customer service and a lot of money for nothing.

Excellent info and service as we changed plans and modified the coverage.
Filed a claim on Nov. 22 but have not heard anything yet.

I did not use it so I don't know how would have work out but the customer service agent who sold the insurance was very, knowledgeable, helpful and professional. I would use it again.

September 17,2024
It is truly difficult to try to get any action from your company. We have been in contact with your company since August 3. We have turned in all the information except the airline report they wanted on the delay due to a runway shut down. I have contacted the airline (Alaska) twice and still can't get it resolved. They keep saying they will contact the controller but still no notice. We had 18 on our trip that was affected by this and so far none have received anything from your company. I do not feel I would ever want tto deal with your company again. We were made to stay in the Seattle airport two days because of this.

Sincerely ,
Lynn Neuenschwander

I have received about 1/2 of my requested reimbursement and have filed an appeal. The explanation they provided was quite inadequate. I am waiting to hear about the appeal. I did receive a check for some compensation within 2 weeks of filing my claim and their communication (except for the explanation noted above) has been good.