HTH Travel Insurance Reviews

I filed my claim in November and received NO response. I contacted HTH later in November via telephone and they said it could be 3 or more months before they replied due to a high claim volume. I followed up in December via email and they just replied that they had my claim. In February they sent an email asking for more information. I had to go to great lengths to find one additional piece of information which I am sending today. However, the other piece of information has been almost impossible to retrieve due to HTH's long claim review and request for additional information. HTH wanted proof of when the lost and delayed luggage was delivered to my hotel in Taormina, Sicily. When I put in the tracking number (I kept ALL INFORMATION FOR PROOF since I suspected the insurance would try to avoid paying), there is no record at this point. I called DHL Express (Italy) and they told me that they only keep a record for three months and that is why I can't find any information proving that my luggage was delivered at noon on September 24. I remember exactly when my luggage was delivered because September 24 is my birthday and I was hoping to get my luggage or I would have to buy more clothes to go out that night to celebrate my birthday! DHL Express has now put in a request for advance research to see if there is any other way to find records showing when the luggage was delivered to provide to HTH as proof. If they can't find any additional information by 6:00 PM today, then there is no information other than my word. At this point, HTH is at fault for taking so long to examine my claim and ask for more information so they will have to go with my word or it is up to them to prove otherwise. I have been very disappointed with the HTH Travel Insurance Claim process and the delayed timing of the request for information. I would most likely not use this travel insurance company again.

The one question I had after purchasing the policy was quickly answered by an actual person when I called the customer service number.

Easy to do online. Reps were helpful on the phone if there were questions.

I tried contacting HTH from Europe and it seemed that I could not get the answers to my questions. I got diagnosed with Covid the day before my return and was trying to find out what the coverage was but no one had answers on the 24 hour line. They gave me a different # to call that I could not reach from Europe. My husband tried to call from the US on my behalf and he could not get answers either.

Please see copy of the emails below. The original emails contained the attachments requested. I ask for a date change and placed two follow-up calls. Both phone calls said things were in progress. I still have not receive a response to this request. It now past the date of my initial travel plans. Since I haven't received a response I would have a hard time recommending HTH Travel Insurance.

(gamma100@aol.com)

To:tripprotection@hthworldwide.com Details

--This is a request to change the policy's Departure and Return Dates from February 5, 2022 to February 12, 2022 to Leaving May 9, 2022 and returning May 16, 2022. The total cost of the trip has gone up and is now estimated at $5000 total for both myself and Penny who is listed as the second person on the policy. --This is also a request to change the destination. The old destination was Cozumel, Mexico - Palace Resorts. The new destination is Cancun, Mexico - Moon Palace Nizuc resort.

--Attached is the original confirmation for our stay at Palace Resorts Cozumel, a subsequent change of dates for the Cozumel trip and then a full cancellation of the trip going to Cozumel. The trip has now been changed to Cancun, Mexico, Moon Palace Nizuc resort. The airline tickets were for travel from Orlando, FL to Cancun also had the dates changed from February dates to the May dates. The old confirmation number for Cozumel Palace Resorts was CZ2017098. The new confirmation number for Moon Palace Nizuc is MP2047221.

--I understand that the total cost of this insurance may go up some as the overall cost was raised by $1400

--There have been no claims made against this policy.

-----Original Message-----
From: HTH Service

My husband and I always use Squaremouth Insurance for all our travels. The website is easy to navigate and we only select those areas that are important to us. We can compare different policies and prices. Of course, we hope never to use the insurance, but it's nice to know that if we need help while traveling, we are OK. It's one less thing to worry about.

Seamless experience

I have been trying to change policy dates and destination for about a month with HTH and still no resolution. I have never encountered this many problems with other travel insurance companies. Needless to say, I will NEVER purchase a policy from them again, even if they cost less than a competitor.

HTH has great website for policy holders. Was able to print lists of medical facilities in major cities where I was traveling. I was also able to print declarations of insurance for specific countries which showed policy details and covid medical coverage - many countries are requiring theses as part of the documentation for admission. I actually saw travelers denied admission due to incorrect or inadequate documentation. This was in South America. I remained healthy and had no claims so cannot comment on their response in this circumstance.

I received the wrong forms for my claim. I am not able to make contact with an agent in order to correct this. I am very frustrated !!!