HTH Worldwide TravelGap Platinum Insurance
TravelGap Platinum is a single-trip international travel medical insurance plan for U.S. residents traveling outside the United States. It offers medical coverage up to $1 million, emergency medical evacuation up to $500,000, and coverage for eligible pre-existing conditions, with trips available for up to 180 days.
What is TravelGap Platinum Insurance?
TravelGap Platinum Insurance is a single-trip visitor medical insurance plan designed for U.S. residents traveling outside the United States. It provides travel medical insurance coverage for international trips of up to 180 days, making it suitable for travelers looking for comprehensive protection while abroad.
A key benefit of the TravelGap Platinum travel insurance plan is its pre-existing condition coverage, subject to the plan's terms, conditions, limitations, and exclusions. The plan also provides 100% coinsurance for eligible covered expenses, helping reduce out-of-pocket costs for covered medical services.
TravelGap Platinum is underwritten by Nationwide Mutual Insurance Company and has an A+ AM Best financial strength rating.
What is great about this plan: This policy offers up to a million dollar coverage for US residents traveling outside the US. It will cover pre-existing medical conditions, as long as the insured has a primary health plan (a plan that works within the USA).
Downsides to this plan: It is only available for US residents traveling outside the US. It can only be purchased for up to 6 months.
Who Should Buy TravelGap Platinum Insurance?
Designed for U.S. residents traveling outside the United States who need international travel medical insurance for a single trip.
Protects against major unexpected medical expenses while keeping premiums low, with flexible coverage periods.
Suitable for vacationers, business travelers, students, missionaries, and others traveling internationally for up to 180 days.
Provides medical maximum options up to $1,000,000 and emergency medical evacuation coverage up to $500,000.
Travelers who are not U.S. residents or need medical coverage while traveling within the United States. TravelGap Platinum is specifically designed for U.S. residents traveling outside the USA.
What Are the Key Highlights of TravelGap Platinum Travel Insurance?
- Ideal for U.S. Residents Traveling Abroad – International travel medical insurance designed for U.S. residents traveling outside the United States.
- Comprehensive International Travel Medical Coverage – Suitable for leisure, educational, missionary, and business travelers seeking reliable medical protection overseas.
- Emergency Medical Evacuation Coverage – Provides up to $500,000 in emergency medical evacuation coverage for eligible situations while traveling internationally.
- Primary Health Plan Requirement – A primary U.S. health insurance plan is required to be eligible for TravelGap Platinum coverage.
- International Medical Provider Choice – Gives travelers the freedom to choose an international doctor, hospital, or medical facility for covered services.
- Pre-Existing Condition Medical Evacuation – Eligible emergency medical evacuation related to pre-existing conditions may be covered, subject to the plan's terms and conditions.
- Accidental Death & Dismemberment (AD&D) – Provides an AD&D maximum principal sum of up to $25,000 for covered accidental death or dismemberment.
What Are the Maximum Coverage Limits for TravelGap Platinum Insurance?
The HTH Worldwide TravelGap Platinum Insurance offers flexible policy maximum options to help travelers choose medical coverage based on their needs and age.
This international travel medical insurance provides several maximum medical coverage options, with coverage available up to $1,000,000. The policy maximum is the total amount payable for eligible medical benefits under the plan.
- Ages 18–95: Choose from $50,000, $100,000, $500,000, or $1,000,000 maximum medical coverage.
What Is a Deductible in TravelGap Platinum Insurance?
The deductible is the amount the insured must pay before TravelGap Platinum insurance starts covering eligible medical expenses.
This premium HTH Worldwide visitor insurance plan allows travelers to choose a deductible based on their budget, travel duration, and preferred out-of-pocket cost.
Lower deductibles usually result in higher premiums, while higher deductibles can help reduce the monthly insurance cost.
For most visitors, the $250 deductible offers the best balance of premium savings and manageable out-of-pocket cost if you need care. Healthy younger visitors can consider $250 or $500.
| Deductible | Premium Impact | Best For |
|---|---|---|
| $0 | Highest premium | Travelers wanting minimal out-of-pocket medical expenses |
| $100 | High premium | Travelers preferring lower upfront medical costs |
| $250 | Moderate | Travelers looking for a balance between premium and deductible |
| $500 | Lower premium | Healthy travelers wanting to reduce premium costs |
Who is Eligible for TravelGap Platinum Insurance Plan?
- Age Eligibility: Travelers must be 95 years old or younger to qualify.
- International Travel: Must be traveling outside the United States and spend at least 24 hours away from home.
- U.S. Residency: The applicant's home country must be the United States.
- Primary Health Insurance Required: The require a primary health insurance policy, making it convenient for eligible travelers.
Why Choose HTH Worldwide TravelGap Platinum Insurance?
HTH Worldwide TravelGap Platinum is designed for U.S. residents traveling outside the United States who want affordable international travel medical insurance with coverage options up to $1 million. It is suitable for leisure, business, educational, and missionary travel, with flexible deductibles and coverage for trips of up to 180 days.
Single-Trip Travel Medical Coverage
TravelGap Platinum provides single-trip travel medical insurance for U.S. residents traveling internationally, with coverage for trips of up to 180 days.
Pre-existing Condition Coverage
This international travel medical insurance plan includes coverage for eligible pre-existing conditions, subject to the plan's terms, conditions, limitations, and exclusions.
100% Coinsurance
Eligible covered medical expenses may be covered at 100% coinsurance, helping reduce out-of-pocket medical expenses while traveling abroad.
Primary Health Insurance Required
Primary health insurance is required, making TravelGap Platinum a convenient travel medical insurance option for U.S. residents.
Protection During International Trips
Helps travelers prepare financially for eligible illnesses, injuries, and other unexpected medical situations that may arise while traveling abroad.
Convenient Coverage for International Travelers
Offers a convenient way for eligible U.S. residents to obtain international travel health insurance before leaving the United States.
How Much Does TravelGap Platinum Insurance Cost?
The cost of TravelGap Platinum Insurance ranges from $43 to $946, depending on the traveler’s age, selected plan maximum, and deductible.
The table below shows sample monthly rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
| Age of traveler | $50,000 | $100,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|
| 18 – 29 years | $43 | $46 | $56 | $57 |
| 30–39 years | $51 | $56 | $67 | $70 |
| 40 – 49 years | $74 | $81 | $98 | $101 |
| 50 – 59 years | $108 | $117 | $143 | $147 |
| 60 -64 years | $150 | $163 | $199 | $204 |
| 65 – 69 years | $177 | $193 | $235 | $240 |
| 70 – 74 years | $280 | $304 | $372 | $380 |
| 75 – 84 years | $489 | $533 | $650 | $665 |
| 85 – 95 years | $696 | $758 | $926 | $946 |
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Deductible Adjustment Factors
Multiply the base rate above by the factor for your chosen deductible:
What Are the Benefits of TravelGap Platinum Insurance?
| Surgery, anesthesia, in-hospital doctor visits, diagnostic X-ray and lab | 100% |
| Office Visits: including X-rays and lab work billed by the attending physician | 100% |
| Surgery, X-rays, In-hospital doctor visits | 100% |
| Office Visits: including X-rays and lab work billed by the attending physician | 100% |
| Ambulatory Surgical Center | 100% |
| Outside the U.S. Outpatient prescription drugs | 100% of Covered Expenses |
| Dental Care required due to an Injury | 100% of Covered Expenses up to $500 maximum per Trip Period |
| Accidental Death and Dismemberment | Maximum Benefit Principal Sum up to $50,000 |
| Repatriation of Remains | Maximum Benefit up to $25,000 |
| Medical Evacuation | Maximum Benefit per Trip Period for all Evacuations up to $500,000 |
| Transportation to Join the Insured | Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip airfare ticket to the place of the Hospital Confinement for one (1) person |
| Trip Interruption | Maximum Benefit of $1,000 per Trip Period |
| Baggage/Personal Effects | Maximum Benefit up to $500 ($100 limit per article) |
Pros & Cons of TravelGap Platinum Insurance
TravelGap Platinum advantages
7 benefitsUp to $1 million in medical coverage for eligible international travel medical expenses
Emergency medical evacuation coverage up to $500,000 for eligible emergency transportation
100% coverage for eligible expenses for covered services, subject to the selected deductible
Coverage available for travelers up to age 95, subject to eligibility requirements
Trip interruption coverage up to $1,000 for eligible covered events
Baggage and personal effects coverage up to $500 for eligible losses
No primary health insurance requirement, making it a convenient option for eligible U.S. residents traveling internationally
TravelGap Platinum disadvantages
6 limitsFor international travel only not a replacement for U.S. health insurance
Pre-existing condition coverage is limited and subject to specific eligibility requirements and exclusions
Deductibles apply depending on the coverage option selected
Benefit limits apply to evacuation, baggage, and trip interruption
Coverage exclusions and limitations apply to certain medical conditions, treatments, and activities
Not intended for long-term health coverage designed for eligible international trips
TravelGap Platinum Insurance - FAQ's
What Is the Difference Between TravelGap Platinum and TravelGap Gold Insurance?
| Insurance plan | TravelGap Gold | TravelGap Platinum |
|---|---|---|
| Primary Health Plan Required | No | Yes |
| Pre-existing Conditions Covered | 180 Day Exclusion | No Exclusion Period |
| Outpatient Prescription Drug Reimbursement | 50% up to $5,000, Outside the U.S. | 100% up to $5,000, Outside the U.S. |
| Maximum Accidental Death & Dismemberment Coverage | $25,000 | $50,000 |
| Post Departure Trip Interruption Quarantine Coverage | Lodging & Incidentals Maximum benefit of $25 per day, up to 10 days | Lodging & Incidentals Maximum benefit of $50 per day, up to 10 days |
| Cost | shopping_cartBuy Now | shopping_cartBuy Now |
Why Should I Buy TravelGap Platinum Insurance on American Visitor Insurance?
American Visitor Insurance offers a simple and reliable way to choose the right medical insurance for tourists with confidence and purchase your plan online in minutes.
Easy Plan Comparison and Purchase: You can buy TravelGap Platinum Insurance online through American Visitor while reviewing plan details, understanding coverage options, and comparing benefits and pricing all in one place. This makes it simple to choose the right plan and complete your purchase securely in just a few minutes.
Helpful Resources for Better Decisions: We offer detailed FAQs, blog and guides based on real customer questions. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
Experienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers by answering questions, clarifying plan details, and helping them choose the right HTH-Worldwide plan.
Support When You Need It: With support teams across both the East and West Coast of the US, we are available across multiple time zones to assist you with the application process and help guide you through claims if needed during your trip.
Licensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).