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HTH Worldwide – U.S. Students Abroad

Editor Review

us-students-abroadThe Good: Essential major medical coverage for U.S. students who are traveling abroad. This plan covers physician expenses, hospital charges, lab fees, intensive care, and more. This plan includes AD&D and emergency dental coverage as well. Low deductibles and a high lifetime maximum ensure a student’s medical care is covered.

The Drawbacks: Limited to U.S. citizens who are between the ages of 14 and 64 and traveling outside the U.S. for international study. No coverage for pre-existing medical conditions until after one full year of coverage; no coverage for dependents. Not applicable to residents of all U.S. states. Depending on where the student is traveling, the repatriation benefits may not be adequate.

The Bottom Line: This is essential major medical coverage for U.S. students outside their home country for the purpose of education or research.

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 $100,000 ($250,000 lifetime maximum)
Emergency dental $250/per tooth (for accidents)
Emergency evacuations $50,000
Repatriation $15,000
AD&D $10,000
24/7 assistance services Yes

Plan Details

This plan is unique in that it provides the following:

  • Includes bedside visit reimbursement up to $1,500 if insured is hospitalized at least seven days.
  • Basic medical covered at 100% up to the first $10,000, then supplemental medical covers at 80% up to an additional $90,000.
  • Deductible is $50 and this plan is annually renewable.
  • Access to HTH Global Health and Safety resources for drug translations, health and security news, provider network, and worldwide security information.
  • Includes 24-hour global emergency medical assistance for evacuation coordination, medical monitoring, emergency cash transfers, and more.

Limitations

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

  • Reasonable care for pregnancy included only after one full year of coverage.
  • Pre-existing medical conditions not covered until after one full year of coverage.

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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.