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HTH Worldwide Travel Insurance Reviews

HTH Worldwide provides comprehensive travel medical insurance for U.S. citizens traveling abroad. Their plans offer robust medical benefits, global access to quality healthcare, and 24/7 assistance services, making them ideal for leisure travelers, business professionals, students, expatriates, and digital nomads.

HTH travel insurance reviews

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Which is the best travel insurance plan from HTH Worldwide?

Available plans

TravelGap Excursion Insurance

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star Rating: "A" (Excellent) edit_square Underwriter: Nationwide Mutual Insurance Company

HTH Worldwide (also known as GeoBlue in some contexts) is a reputable provider of international travel medical insurance.

  • Coinsurance: Coverage up to 6 months with 100% of the policy maximum.
  • Pre-existing condition: Medical Services and Medical Evacuation.
  • Accidental Death and Dismemberment: Maximum Benefit Principal Sum up to $50,000
  • Emergency medical evacuation: Maximum Benefit per Trip Period for all Evacuations up to $500,000
  • Trip Interruption : Maximum Benefit of $1,000 per Trip Period.
  • Repatriation of Remains: Maximum Benefit up to $25,000.
  • Baggage/Personal Effects: Maximum Benefit up to $500 ($100 limit per article).

  • Policy maximum?
    $50,000, $100,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500

  • Period of coverage?
    1 day to 182 days

TravelGap Voyager Insurance

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star Rating: “A (Excellent)” edit_square Underwriter: Nationwide Mutual Insurance Company

TravelGap Voyager insurance designed for U.S. residents traveling outside the U.S. for generally shorter trips (up to 180 days).

  • Coinsurance: Coverage up to 6 months with 100% of the policy maximum.
  • Pre-existing condition: Medical Evacuation.
  • Accidental Death and Dismemberment : Maximum Benefit Principal Sum up to $25,000
  • Emergency medical evacuation: Maximum Benefit per Trip Period for all Evacuations up to $500,000
  • Trip Interruption : Maximum Benefit of $1,000 per Trip Period.
  • Repatriation of Remains: Maximum Benefit up to $25,000.
  • Baggage/Personal Effects: Maximum Benefit up to $500 ($100 limit per article)

  • Policy maximum?
    $50,000, $100,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500

  • Period of coverage?
    1 day to 182 days

Trip Protector Economy Insurance

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star Rating: A (Excellent) by AM Best edit_square Underwriter: Nationwide Mutual Insurance Company

Trip Protector Economy insurance Is a budget-oriented travel insurance plan from HTH Worldwide , designed for U.S. residents traveling domestically or internationally.

  • Trip Cancellation:100% up to a $5,000 max.
  • Trip Interruption: 125% Trip Cost.
  • Trip Delay: 8 hrs, $500 max
  • Missed Connection: $100 per day, $250 max
  • Emergency Evacuation: $500,000
  • Baggage & Personal Effects: $250 per item, $750 max
  • Baggage Delay : $100
  • Dental Expenses :$500

  • Trip duration?
    Up to 90 days

Trip Protector Classic Insurance

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star Rating: A (Excellent) by AM Best edit_square Underwriter: Nationwide Mutual Insurance Company

Trip Protector Classic insurance is an offering higher benefit limits and a crucial improvement in coverage for pre-existing medical conditions.

  • Trip Cancellation: 100% up to a $25,000 max.
  • Trip Interruption: 150% Trip Cost.
  • Travel Delay : 6 hrs, $1,000 max
  • Emergency Evacuation: $1,000,000
  • Missed Connection: $200 per day, $500 max.
  • Baggage Delay: $200.
  • Accidental Death & Dismemberment: $25,000.
  • Pre-Existing Conditions: Can be covered if insurance is purchased within 14 days of initial trip deposit.

  • Trip duration?
    Up to 90 days

Trip Protector Preferred Insurance

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star Rating: A (Excellent) by AM Best edit_square Underwriter: Nationwide Mutual Insurance Company

HTH Worldwide's Trip Protector Preferred plan is their top-tier, most comprehensive travel insurance offering in the Trip Protector series.

  • Trip Cancellation: 100% up to a $50,000 max
  • Trip Interruption: 200% Trip Cost
  • Travel Delay: 6 hrs, $2,000 max
  • Missed Connection: $200 per day, $1,000 max
  • Accidental Death & Dismemberment : $50,000.
  • Pre-Existing Conditions : Can be covered if insurance is purchased within 21 days of initial trip deposit.

  • Trip duration?
    Up to 90 days

Group Essential Insurance

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star Rating: “A (Excellent)” edit_square Underwriter: 4 Ever Life.

GeoBlue Essential Group insurance provides short-term health and accident insurance for international travel groups of five or more people.

  • Accidental Death and Dismemberment: Maximum Benefit Principal Sum up to $25,000.
  • Repatriation of Remains: Maximum Benefit up to $25,000
  • Lost Baggage & Personal Effects Coverage: : Maximum benefit of $500 per Trip Period and limited to $100 maximum benefit per bag or Personal Effect
  • Missed Connection: Minimum 12 hours delay | Maximum $500 per Covered Trip
  • Inpatient medical emergency: 100%
  • Dental Care for Relief of Pain: 100% of Reasonable Charges with a maximum benefit of $250 per Trip Period
  • Trip Interruption Transportation: Maximum benefit of $1,000 per Trip Period

  • Policy maximum?
    $50,000, $100,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500

Group Choice Insurance

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star Rating: AM Rating: A Excellent edit_square Underwriter: 4 Ever Life

Group Choice Insurance is a comprehensive international travel insurance plan designed to protect your group for overseas travel and to explore the world.

  • Accidental Death and Dismemberment: Maximum Benefit Principal Sum up to $50,000.
  • Repatriation of Remains: Maximum Benefit up to $25,000.
  • Lost Baggage & Personal Effects Coverage: Maximum benefit of $500 per Trip Period and limited to $100 maximum benefit per bag or Personal Effect
  • Trip Interruption: Maximum benefit of $1,000 per Trip Period
  • Dental Care for Relief of Pain : 100% of Reasonable Charges with a maximum benefit of $250 per Trip Period.

  • Policy maximum?
    $50,000, $100,000, $500,000, $1,000,000

  • Deductible options?
    $0, $100, $250, $500

Why choose HTH Travel insurance?

  • High benefit limits: Get up to $1 million in medical coverage for accidents or illnesses while traveling abroad.
  • Access to top-tier medical providers: HTH connects travelers with a global network of elite, accredited doctors and hospitals known for high standards in care, helping ensure accurate diagnosis and effective treatment wherever you are.
  • Comprehensive coverage: With broader benefits and higher limits than many competitors, HTH plans are designed to provide strong financial protection for medical emergencies, hospitalizations, evacuations, and more.
  • Direct billing with providers: HTH’s contracted providers can bill the insurer directly, helping you avoid paperwork and out-of-pocket hassles during an already stressful time.
  • Backed by A-rated Insurance: HTH travel insurance is underwritten by A-rated carriers, giving travelers peace of mind knowing they’re covered by financially strong and reliable insurers.
  • Health & safety tools at your fingertips: HTH members receive access to powerful mobile tools for locating care, receiving security alerts, accessing telehealth, and managing emergencies helping you stay informed and safe throughout your trip.
  • Ideal for long-term travelers: Perfect for expats, international students, missionaries, and digital nomads, HTH offers renewable plans designed for extended stays abroad, ensuring continuous global protection without the need to reapply.

Who can buy HTH Worldwide plans?

HTH insurance is ideal for:

  • U.S. citizens traveling internationally
  • Expats relocating abroad
  • International students
  • Missionaries and remote workers
  • Cruise travelers and digital nomads

Is HTH Worldwide a good travel insurance company?

HTH Worldwide Travel Insurance is managed by Worldwide Insurance Services, LLC (WIS), established in 1997. In partnership with its parent company, Highway to Health Inc. (HTH), it provides top-rated travel medical insurance plans and supports over one million travelers and expats each year.

HTH insurance is offered through licensed brokers and is known for:

  • A (Excellent) rating by AM Best Company
  • Superior benefits and exclusive services not commonly available from other providers
  • Unmatched access to leading doctors and hospitals around the world

How do I choose the right HTH plan for my trip?

Choosing the right HTH travel insurance plan depends on your trip type, destination, whether you have U.S. health insurance, and the kind of protection you need—medical coverage, trip cancellation, or both.

Here’s how to choose the right plan based on your needs:

  • Do you need trip cancellation or interruption coverage?
    • If you're concerned about trip costs, delays, cancellations, or lost baggage, consider the HTH Trip Protector plans
    • HTH Trip Protector, Trip Economy, Trip Classic, and Trip Preferred – These include trip cancellation, interruption, baggage loss, delay coverage, travel assistance, and emergency medical coverage.
    • Best for: Vacationers, cruise travelers, or anyone with prepaid trip expenses who want both trip protection and medical benefits.
  • Do you want medical coverage while abroad?
    • If you're mostly focused on medical coverage outside the U.S., go with the TravelGap series:
    • TravelGap Voyager – Ideal for U.S. travelers without domestic health insurance; includes coverage for pre-existing conditions.
    • TravelGap Excursion – For those with existing U.S. health insurance; more budget-friendly but still includes emergency medical and evacuation coverage.
    • Best for: Tourists, business travelers, students, or missionaries on short- to mid-term trips abroad.
  • Are you staying overseas for an extended time?

    For long-term stays abroad, the Xplorer series is ideal:

    • HTH Long term Xplorer and Longterm Navigator – Comprehensive global health insurance for expats, digital nomads, retirees, and global employees.
    • Includes inpatient and outpatient care, preventive services, mental health, and optional prescription and maternity coverage.
  • Do you have pre-existing conditions?
    • TravelGap Voyager offers pre-existing condition coverage, making it a good choice for travelers with health concerns and no U.S. insurance.

You can compare and buy HTH plans easily through American Visitor Insurance. Find the best option based on your trip details and health needs.

HTH Worldwide insurance - FAQ’s

1. What is HTH Travel Insurance?

HTH Travel Insurance provides travel medical coverage for U.S. residents traveling abroad. It offers benefits like emergency medical care, evacuation, repatriation, and access to a global network of trusted healthcare providers.

2. Who is eligible to buy HTH Travel Insurance?

HTH plans are available for U.S. citizens and residents traveling outside the U.S. for vacation, business, education, or long-term stays. Some plans require that you have primary health insurance in the U.S., while others (like TravelGap Voyager) do not.

3. Does HTH insurance cover pre-existing conditions?

Yes, select HTH plans like TravelGap Voyager offer coverage for pre-existing conditions for eligible travelers. Always check the plan brochure for specific terms and conditions.

4. What is the difference between TravelGap Voyager and TravelGap Excursion?

TravelGap Voyager is ideal for travelers without primary U.S. insurance and includes pre-existing condition coverage. TravelGap Excursion is for travelers with existing domestic health insurance and offers essential travel medical benefits at a lower premium.

5. Does HTH cover COVID-19-related medical expenses?

Yes, most HTH plans cover COVID-19 treatment abroad like any other new illness, subject to policy terms and conditions.

6. Can I use HTH insurance to access doctors while traveling?

Yes. HTH offers access to a worldwide provider network and the mPassport app, which helps you find trusted doctors, hospitals, and pharmacies in over 190 countries.

7. Is HTH Travel Insurance renewable or extendable?

Some HTH plans can be extended if the traveler meets eligibility requirements. Always review the policy's extension or renewal rules before purchase.

8. Who underwrites HTH Travel Insurance?

HTH plans are underwritten by licensed insurers such as Nationwide Life Insurance Company and supported by Blue Cross Blue Shield Global

9. Where can I buy HTH Travel Insurance?

You can compare, customize, and buy HTH Travel Insurance online through American Visitor Insurance . American Visitor Insurance is a trusted platform offering HTH’s popular plans like TravelGap Voyager, TravelGap Excursion, and Trip Protector plans for U.S. citizens traveling abroad.

HTH Worldwide travel insurance links

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