Review of TravelGap Excursion from HTH Worldwide

Editor Review

The Good: Choice of varying medical limits and coverage; for trips up to 6 months for ages 84 or younger; covers pre-existing medical conditions for medical evacuation.

The Drawbacks: Requires that you have a primary health plan.

The Bottom Line: HTH has been a leading provider of international health insurance since 1997, and their TravelGap plans offer basic travel medical coverage.

How to get a quote & buy online

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.

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Coverage

Benefits	Maximum
Medical expenses	$50,000 – $1,000,000 ($0 – $500 deductible)
Emergency dental	$250/per tooth ($500 maximum)
Emergency evacuations	$500,000
Repatriation	$25,000
AD&D	$50,000
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Plan covers 100% of eligible inpatient and outpatient medical, surgical, and prescription drug costs after deductible up to plan limits.
Available for travelers up to age 84.
Plan automatically covers emergency medical care for pre-existing medical conditions.
Includes additional travel reimbursement services up to $100 per incident ($500 maximum) for lost travel documents and lost luggage.
Includes bedside visit cost reimbursement up to $1,500.
Includes up to $500 for common carrier ticket changes if your trip is interrupted for medical reasons, a terrorist event, or imminent threat to personal safety as documented by a U.S. State Department travel warning issued during your trip.
Access to HTH Global Health and Safety services for worldwide health and security information, drug translation services, news alerts, and more.
Access to global medical assistance as well.

Limitations

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

Benefits resulting from skiing and underwater diving limited to $10,000.
Plan requires travelers to be enrolled in a primary health plan (Medicare applies).