Review of Global Navigator from HTH Worldwide

Editor Review

The Good: A global short-term medical insurance plan to suit the needs of those traveling outside their home country for at least three months. Low deductibles and few pre-certification requirements. Plan automatically covers losses due to terrorist acts.

The Drawbacks: Emergency evacuations and repatriation not available inside the U.S. or out-of-network. Pre-existing medical conditions are not covered (except for diabetic supplies).

The Bottom Line: A full-featured short-term travel medical plan with low deductibles and complete coverage. Includes access to one of the largest PPO provider networks in the world.

Quote and buy direct: Get a quote directly at the HTH website. A good choice if you know you want an HTH plan and are ready to enroll.

Coverage

Benefits	Maximum
Medical expenses	No limit ($10 copay for preventative care)
Emergency dental	100% (up to $500 annual maximum)
Emergency evacuations	$250,000
Repatriation	$25,000 (outside the U.S. only)
AD&D	$10,000
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Three tiers of coinsurance: 100% outside the U.S. , 80% in network in the U.S. , 60% out of network inside the U.S. and you choose your deductible.
Coverage extends to spouse and dependents under age 26.
Families are charged a maximum of 2.5 deductibles each year.
Preventative care for babies and children up to age 18 included.
Preventative care for adults, including routine exams, is included.
Maternity and newborn care included.
Inpatient and outpatient care for mental illness included at 75% or 100% after the coinsurance maximum is reached.
100% of prescription costs up to $1,000 annually included.
Diabetic supplies and education included.
Pre-existing condition exclusion can be waived with proof of prior coverage.

Limitations

The following are the limitations on this plan’s coverage:

Medical evacuation and repatriation reimbursement not available outside the U.S. or outside the HTH Worldwide network.
No coverage for pre-existing medical conditions.
Missionary and marine participants must be U.S. citizens under age 75.