TravelGap Multi-Trip Review
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This travel insurance plan is perfect for…
- Travelers seeking year-round travel medical coverage-This plan is a good, overall travel medical plan suitable for frequent travelers
Overview of TravelGap Multi-Trip from HTH Worldwide:
- Up to $250,000 of emergency medical and accident coverage
- Deductible $50
- Up to $500,000 of emergency medical evacuation coverage
The TravelGap Multi-Trip policy is single trip health and accident insurance for the international traveler. It covers an unlimited number of trips up to 70 days per trip for a 12-month period for travelers age 84 or younger. It covers pre-existing conditions for medical evacuation, repatriation of remains, and bedside visits. This plan requires that you have a primary health plan.
This plan includes options for maximum benefits of $50,000 (Silver plan) or $250,000 (Gold plan). The maximum domestic benefits per insured person are $2,500 (Silver plan) and $25,000 (Gold plan). The standard deductible for each plan is $50 per person per policy period. The deductible is waived for physicians and providers in the HTH Worldwide provider list. After the deductible is satisfied, benefits are paid up to the medical limits set by the plan.
Offered at two different levels, this plan is available to U.S. residents 84 years of age or younger, and it covers all domestic and international trips in a 12-month period. It comes with 24-hour, 7-day per week global medical assistance available toll-free and online.
As with all HTH Worldwide plans, you get access to their unique online health and safety resources, which help you with advanced information regarding the health system at your destination, along with translation databases for medicines and medical terms. Their ready access to quality care ensures that you have access to full provider profiles and physician lists. The HTH Worldwide 10-day money back guarantee ensures that you can review the package of materials and receive a full refund if you change your mind.
Where to buy this policy:
1. Buy direct from the company- Get a quote and purchase this plan directly from the HTH Worldwide website here.
2. Compare this plan with other plans- The best way to buy travel insurance is to use a comparison website (similar to using Expedia or Travelocity for airline tickets). There are several, but we recommend a comparison site called Squaremouth.com to get instant quotes and purchase online. Squaremouth.com only works with reputable companies, and you can get instant quotes and purchase instantly online with a credit card.
What is the coverage with TravelGap Multi-Trip?
Professional medical services including Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab up to 100% after deductible. This coverage also provides for office visits billed by the attending physician up to 100% after deductible.
Inpatient hospital services related to surgery, X-rays, doctor visits and medical emergencies up to 100% after deductible.
Ambulatory surgical center costs are provided up to 100% after deductible.
Ambulance services (non medical evacuation) are covered at 100% after the deductible and up to a maximum of $1,000.
Hazardous activities such as downhill skiing and scuba diving are covered up to a maximum benefit of $10,000.
Outpatient prescription drugs are covered outside the U.S. at 100% of the expense.
Emergency dental care required due to an injury at 100% of covered expenses up to a maximum of $200 per period and $200 per tooth.
Dental care for relief of pain is covered at 100% up to a $100 maximum per trip and $100 per tooth.
Accidental death and dismemberment up to $25,000 (Gold plan only).
Emergency Medical Transportation/Evacuation
This coverage provides reimbursement for the cost to transport you or other covered members of your party to a medical facility to receive care. This coverage provides up to $250,000 (Silver plan) or $500,000 (Gold plan).
Emergency medical reunion
This coverage provides reimbursement for the cost of transporting one individual to the location where the injured is hospitalized. This coverage provides up to $1,500 for the cost of one economy round trip air fare ticket.
Repatriation of remains
This coverage provides benefits covering the expenses related to the transportation and shipping costs up to a maximum of $15,000 (Silver plan) or $25,000 (Gold plan).
Where to buy this policy:
1. Buy direct from the company- Get a quote and purchase this plan directly from the HTH Worldwide website here.
2. Compare this plan with other plans- The best way to buy travel insurance is to use a comparison website (similar to using Expedia or Travelocity for airline tickets). There are several, but we recommend a comparison site called Squaremouth.com to get instant quotes and purchase online. Squaremouth.com only works with reputable companies, and you can get instant quotes and purchase instantly online with a credit card.
