HTH Worldwide

Trip Protector travel Insurance

Administered by HTH Worldwide Trip Protector Insurance provides comprehensive travel insurance to protect your vacations. Trip Protector Insurance covers Trip cancellation/interruption, lost baggage, up to $100,000 medical/$500,000 medical evacuation. Trip Protector Insurance also makes you eligible for the HTH Global Health and Safety Resources. Trip Protector covers pre-existing conditions.


Trip Protector visitors insurance coverage for covid

Trip Protector insurance plan offers $50 per day for each day the travelers are quarantined abroad for a maximum of 10 days. Coverage must be bought for a minimum of 30days and must show proof of quarantine mandated by a physician or governmental authority. This quarantine must be due to you testing positive for COVID-19 or being symptomatic and waiting on diagnostic test results. It is not available while in your home country and not subject to deductible.

Covid Quarantine Travel Insurance

  • Covid Quarantine Benefit: Trip Protector plan offers Coverage for accommodations due to a covered Trip Delay maximum - $2,000/$200 per day (6 hours)
  • Trip interruption up to 200% of trip cost.
  • Travel insurance for US Citizens and US Residents traveling outside US.
quarantine coverage

HTH Trip Protector Insurance - Overview

  • Available for US citizens and US residents whose home country is US and must be travelling outside USA
  • Includes $2000 in travel delay benefits for Covid quarantine/lodging.
  • Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost.
  • Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation.
  • This is the process:

    1. You Must purchase the policy within 21 days (variable by plan) of the date your initial deposit is received.
    2. Must insure 100% of all non-refundable trip cost (additional terms apply).

    This is the process:

    1. You must cancel the trip 48 hours or more prior to your scheduled departure date.
    2. You will only receive 75% (variable by plan) of what is not refunded to you by the tour operator at time of cancellation.
  • If a Traveler is quarantined while on their trip due to the Coronavirus, their travel insurance policy will continue to be in effect during their quarantine.

    This could be considered under the Trip Delay or Trip Interruption benefits, or any other benefits that address quarantine, depending on the policy language



    It would depend on how the stay in being is drafted and applied. In nearly all instances to date, stay in place has not been considered quarantine.

    Scenario: The destination (whether domestic or international) that I plan to travel to is allowing US residents to enter, but has ordered all incoming travelers to quarantine upon arrival. I don't want to travel if I'm going to have to quarantine myself when I get there.

    1. Could this be considered a covered quarantine and grounds to cancel your trip?
      Ans: Yes
    2. Are there any special guidelines around this?
      Ans: Yes, the quarantine order occurred after the effective date, the insured did not cancel their trip more than 14 days prior to their scheduled departure.
    3. If the policy was purchased after the state/country announces the mandatory quarantine requirement, would it be considered foreseen and not covered?
      Ans: Correct.

    Covid-19 would be considered as a Sickness under the plan for a traveler or family member.

    There are no restrictions on medical coverage/evacuations for Covid-19 while on the trip, provided that the assistance company/medical personnel are providing services in the area.

    Yes, although the plan will not cover if you cancel the trip solely due to fear of Covid-19 it could still cover for all other reasons you would cancel a trip such as death in the family, sickness or accident that does not allow you to travel.

    If your plan has either the CDC warning or Travel warning issued by US Department of State peril and the date it was a “known” event was January 31st for worldwide, therefore a policy purchased on February 3rd would not have these perils available to them.

    If the plan was purchased prior to January 31st: if a country is part of the warning, the person is eligible to cancel their entire multi-destination trip or we would pay for just the missed portion (or any change fees to allow them to avoid the said country).

Compare Trip Protector Plans from HTH Worldwide

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Compare Travel Plans
 Economy    Classic    Preferred 
Trip Protector Economy Trip Protector Classic Trip Protector Preferred
Plan Maximum, deductible & Coverage
Baggage Delay More than 24hrs, $100 More than 24hrs, $200 More than 24hrs, $400
Pre-Existing Condition Waiver(60 day look back prior to Effective Date) Not Available Yes, if purchased within 14days of initial deposit Yes, if purchased within 21days of initial deposit
Baggage/personal Effects $250 per item max $750 $250 per item max $1,000 $250 per item max $2,000
Missed Connection $250 $500 $1,000
Trip Delay More than 8hrs, $100 per day, $500 max More than 6hrs, $200 per day, $1,000 max More than 6hrs, $200 per day, $2,000 max
Kennel Coverage Not Available Not Available $50($25/day)
Collision Damage Not Available Not Available $35,000
Trip Cancellation $5,000 $25,000 $50,000
Trip Interruption 125% of trip cost 150% of trip cost 200% of trip cost
Cancel For Any Reason(optional) Not Available Not Available 75% reimbursement
Maximum Benefit for Accident per Person $75,000 $250,000 $500,000
Maximum Benefit for Sickness per Person $75,000 $250,000 $500,000
Medical Expense Not Available Not Available $250
Surgery,Anesthesia,Radition Therapy, X-ray and Lab Office Visits 100% 100% 100%
Doctor Inpatient& Outpatient Office Visits 100% 100% 100%
Outpatient Prescription Drugs Outside U.S 100% 100% 100%
Accidental Death & Dismemberment Not Available $25,000 $50,000
Accidental Death & Dismemberment-Common Carrier $25,000 $50,000 $100,000
Repatriation of Mortal Remains $15,000 $25,000 $25,000
Medical Transportation(includes transportion to join the insured) $500,000 $1,000,000 $1,000,000
Collision Waiver (Not Available in NY, OR, TX) Not Available Not Available $35,000
Online Doctor Search Yes Yes Yes
Destination Health and Security Information Yes Yes Yes
HTH Drug Translation Guide Yes Yes Yes
Medical Term and Phrase Translation Databases Yes Yes Yes
Health and Security News Alerts Yes Yes Yes
24 hour Hotline and Concierge Services Included Included Included

special-coverageTrip Protector insurance restrictions

Trip Protector insurance is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.

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