Trip Travel Insurance FAQ

What is the major difference between Trip Protector and Trip Protector Preferred?

Trip Protector has a maximum medical limit of $500,000 and the Preferred option has a maximum of $1,000,000. TripProtector Preferred has higher limits for Baggage Loss, Air Flight Accident and also covers Identity Theft.

What methods of payment are accepted?

Premiums can be paid by a major credit card online. If paying by check, please make checks payable to HTH Worldwide Insurance Services and mail to: HTH Worldwide
Attn: Enrollment
1 Radnor Corporate Center
Suite 100
Radnor, PA 19087

How are medical evacuation decisions made?

The evacuation benefit pays for a medical evacuation to the nearest hospital, appropriate medical facility or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary and must be approved by HTH.

Are acts of terrorism covered under this plan?

Under the medical portion of this plan, Trip Protector does not exclude illnesses or injuries related to a terrorist act. In order to be covered in countries where there are open hostilities, such as Iraq and Afghanistan, a member must not be engaged in hostile or combative activities.

For all other benefits, coverage is provided if a terrorist act occurs in your departure city or in a city which is a scheduled destination of your trip, provided the terrorist act occurs within 7 days of the scheduled departure date.

How do I access participating medical providers outside the U.S. and avoid claim forms?

HTH's Global Health and Safety services help members identify, access, and pay for quality healthcare all over the world. This includes a contracted community of elite providers in 180 countries. Members can access these carefully selected providers and arrange for the bills to be sent directly to HTH Worldwide. Please note, a member is responsible for their deductible at time of service, if applicable.

Direct billing can be requested by calling the assistance telephone number listed on your member ID card, or by emailing

A claims instruction page is available online and can be accessed by visiting the Trip Protector Claims page. Claim forms are downloadable from this section of the site.

Insurance FAQ Disclaimer

AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ.

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