Review of TravelGap Multi-trip from HTH Worldwide

Editor Review

The Good: Offered at two plan levels – Silver and Gold – this plan is for the frequent traveler, providing travel medical coverage, including coverage for pre-existing medical conditions, for all trips of less than 70 days each in a 12-month period. This plan includes coverage for non emergency and emergency medical care as well as medical evacuations and repatriation.

The Drawbacks: Travelers are required to be U.S. residents and have a primary health plan. Benefit limits inside the U.S. are limited. Repatriation amount – depending on where you are traveling – may not be adequate.

The Bottom Line: This is a multi-trip travel medical plan offered at two plan levels for travelers up to age 84 (benefit limits reduced for those age 70-84). It is designed for U.S. residents traveling outside their home country for up to a year and covers individuals and families.

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	$50,000 or $250,000 * ($50 deductible)
Emergency dental	$200 (for accidents)
Emergency evacuations	$250,000 or $500,000
Repatriation	$15,000 or $25,000
AD&D	$25,000 (Gold level only)
24/7 assistance services	Yes

* Gold plan medical limit is $100,000 for travelers age 70-84.

Plan Details

This plan is unique in that it provides the following:

Medical services, including surgery, office visits, X0rays, in- and outpatient care, are covered at 100% outside the traveler’s home country.
Reasonable deductible amount, which is waived for physician visits within the HTH Worldwide provider network.
Includes bedside visit cost reimbursement up to $1,500 if insured is hospitalized a minimum of seven days.
Includes access to HTH Worldwide Global Health and Safety resources for online doctor searches, destination health and security information, HTH drug translation guide, and health and security alerts.
Travel assistance services includes global medical assistance.

Limitations

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

Applicable only to U.S. citizens.
Benefits for claims resulting from downhill skiing and SCUBA diving are limited to $10,000.
No coverage for prescription drugs inside the U.S.
Medical treatment inside the U.S. for conditions not covered by the insured’s primary health plan are covered at 100% up to a $25,000 limit.