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.
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.