HTH Worldwide

Trip Protector 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 Covid Insurance - Trip Protector visitors insurance coverage for coronavirus

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/SARS-CoV2 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: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.

HTH Trip Protector Insurance Quarantine Coverage for Costa Rica

  • Satisfies Costa Rica travel insurance requirements
  • Includes $2000 in travel delay benefits for Covid quarantine/lodging
  • This is a benefit that more and more countries are requiring, in particular, Costa Rica
  • This insurance used to complete the Costa Rica Health Pass document and QR code generation.
How to get the Costa Rica QR code?
72 hours before your departure,
  • You will have to go to Costa Rica’s Health Minister webpage to fill out a "Covid19 Health Pass document for Costa Rica".
  • You will have to fill in your details including your flight number, seat number, airport flying into, purpose of your trip, etc. They will ask the standard COVID symptom check.
  • You will have to fill this out FOR EACH INDIVIDUAL who is traveling.
  • An adult will have to fill it out for each minor (of course), but they will each need this done for them. Note that this is where you will use the "Visa letter" that you get from your purchase of the Trip Protector Covid insurance.
  • You will be asked to choose your "Travel Insurance Company". Note that you also have the option of buying a Costa Rican plan (these are listed on the above website). If you choose to go with a US company, simply choose "International" on this form.
  • You can purchase a Costa Rican policy available from the government website, but I hear they are generally much more expensive). Also note that when you enter DATES, they will be in the MM/DD/YYYY format which is not the US usual format!! (We have gotten several calls with this small problem!)
  • You will upload the visa letter (remember there is one for each person on the policy) onto this website.
  • Once you have completed the online form, you will get a generated Covid19 travel insurance QR Code for entry to Costa Rica. You will have to show this QR code to control authorities when they request it to satisfy the Costa Rica entry requirement, so again, be sure you have this for EVERY person traveling with you (minors included).
Finally, be sure you have a printed version of the travel insurance visa letter (one page) for each person traveling to show this also when requested. Be sure that it shows the country of Costa Rica in the letter (you choose this when you purchase it). Have this for EVERY person traveling with you (minors included). Don’t forget your passport and other important documents either!
  • CFAR Questions
  • Questions Related to Quarantine

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
Pet 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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