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You are here: Home > Companies > HTH > Global Citizen EXP

HTH Worldwide – Global Citizen EXP

Editor Review

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The Good: A worldwide health insurance plan for emergency medical and preventative care individuals and families – the ‘EXP’ in the title stands for ‘expat’. Optional prescription drug benefits and global travel benefits included, as well as maternity benefits (after a 12-month waiting period). This plan ensures that you have ready access to quality health care no matter where in the world you roam.

The Drawbacks: Only available to U.S. citizens and permanent residents up to age 74. Coverage not available to residents of all states.

The Bottom Line: International major medical coverage for world travelers who are covered by a domestic U.S. health insurance plan or for those with no immediate plans to return to the U.S. This annual plan can also be a group employer-sponsored plan for employees of U.S. companies domiciled in an approved state.

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Coverage

BenefitsMaximum
Medical expenses$5,000,000
Emergency dental$200/per tooth ($1,000 maximum)
Emergency evacuations$100,000
Repatriation$25,000
AD&D$50,000
24/7 assistance servicesYes

Plan Details

This plan is unique in that it provides the following:

  • Plan pays 100% of surgical, preventative, and outpatient care.
  • Choose deductible from $0 – $10,000.
  • Copayments waived when visiting an HTH Worldwide network provider.
  • Maternity benefits available after 12 months of continuous coverage.
  • Plan is renewable annually.
  • Includes coverage for mental, emotional, and nervous disorders, alcoholism and drug abuse (subject to a lifetime benefit of $80,000 and coinsurance).
  • Exclude coverage for treatment inside the U.S. for additional plan cost savings.
  • Includes bedside visit reimbursement up to $2,500 for eligible transportation and accommodations.
  • Includes acupuncture and chiropractic care up to $2,000 maximum.
  • Includes access to HTH Worldwide’s assistance services for contracted health pros, appointment scheduling, and international treatment options.
  • Includes HTH Global Health and Safety Resources – online assistance tools, health and security alerts, and more.

Optional Coverage

The following optional coverage is available when you purchase this plan:

  • Optional outpatient prescription drug benefit provides100% coverage (80% inside the U.S.) up to an annual maximum of $3,000.

Limitations

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

  • A $10 deductible applies to office visits.
  • Physical and occupational therapy and treatment covered only up to $30 per visit and limited to 12 visits per year.

Related HTH Worldwide Plans

  • Global Citizen
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About this website

My name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

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