Policy maximum
$50,000, $100,000, $500,000, $1,000,000
Deductible
$0, $100, $250 and $500
Accidental Death & Dismemberment
Sum up to $50,000
Pre-existing condition
Medical Services and Medical Evacuation
Trip Delay
$50 per day, up to 10 days
Repatriation of Remains
Up to $25,000
Ideal for Solo travelersFamilies abroadBusiness or vacation travelers
HTH TravelGap Excursion is a short-term international travel medical insurance plan designed for U.S. residents who already have primary domestic health coverage and are traveling outside the United States. It works as a travel coverage gap solution since most U.S. health insurance plans offer limited or no protection abroad, TravelGap Excursion helps cover eligible emergency medical expenses, hospitalization, medical evacuation, and other covered travel-related medical needs during your trip.
On this page, you'll find a detailed review of the HTH Worldwide TravelGap Excursion plan, including customer feedback, cost estimates by age, plan benefits and limitations, and answers to the most common questions travelers ask before purchasing.
American Visitor Insurance has helped thousands of U.S. travelers compare and choose the right travel gap insurance. Explore the details below to see whether TravelGap Excursion is the right fit for your next international trip.
HTH worldwide travel insurance reviewsWe had questions about eligibility and international coverage. The American Visitor Insurance customer care team responded quickly and helped us understand how TravelGap Excursion works with existing U.S. health insurance. - Olivia H
What I liked most was that there's no deductible for most medical services. I bought this plan through American Visitor Insurance, and their customer support explained this benefit clearly. Filing a claim was also very straightforward. - Natalie B
I travel abroad often and always choose HTH TravelGap Excursion, recommended by American Visitor Insurance. The coverage is reliable, and the support team is top-notch whenever I need help understanding claim forms or benefits . - Lisa A
HTH TravelGap Excursion offers a strong set of features that make it an excellent choice for U.S. travelers going abroad. Some of the most notable benefits include:
Reviews, Ratings and Experiences
HTH TravelGap Excursion is a comprehensive short-term travel medical insurance plan designed for U.S. residents traveling outside the United States. It is underwritten by HM Life Insurance Company with an A.M. Best rating of A- (Excellent), HTH offers strong financial backing and dependable claims support.
This plan is best for vacationers, study abroad participants, international business travelers, and seniors looking for high-quality medical protection during overseas trips.
Positive features:The TravelGap Excursion Insurance cost per month is starting at just $39 to $780 and the cost depends on:
The TravelGap Excursion Insurance Plan, offered through American Visitor Insurance, provides dependable medical protection for international travelers. It’s a great choice for vacations, business trips, or study abroad, covering emergency medical care, hospitalization, and medical evacuation, all backed by the trusted Blue Cross Blue Shield Global Network
The prices shown in the table below are for 30 days of coverage with a $250 deductible and do not include pre-existing condition coverage.
| Age of traveler | Medical Maximum | ||||
|---|---|---|---|---|---|
| $50,000 | $100,000 | $500,000 | $1,000,000 | ||
| 18 – 29 years | $39 | $44 | $48 | $49 | |
| 30–39 years | $47 | $52 | $57 | $58 | |
| 40 – 49 years | $66 | $73 | $81 | $83 | |
| 50 – 59 years | $108 | $119 | $131 | $134 | |
| 60 -64 years | $142 | $157 | $174 | $177 | |
| 65 – 69 years | $166 | $183 | $202 | $206 | |
| 70 – 74 years | $266 | $294 | $324 | $331 | |
| 75 – 84 years | $426 | $470 | $519 | $530 | |
| 85 – 95 years | $694 | $767 | $845 | $864 | |
HTH TravelGap Excursion is available to U.S. citizens and U.S. permanent residents who are traveling outside the United States. It is not available to non-U.S. citizens or for domestic trips.
The plan covers a wide range of medical services during international travel, including:
Yes. HTH TravelGap Excursion includes coverage for COVID-19-related medical care, including testing, treatment, and hospitalization, subject to plan terms and limits.
Most medical services under the TravelGap Excursion plan do not have a deductible, making it easier to use and more cost-effective for travelers.
With the HTH TravelGap Excursion plan, you can easily locate English-speaking, Blue Cross-affiliated doctors and hospitals in over 190 countries using the HTH mobile app or member portal. This ensures convenient access to quality healthcare no matter where you're traveling.
You can compare and purchase the TravelGap Excursion plan easily through American Visitor Insurance, which offers expert assistance and plan comparisons.
Yes. Through the Blue Cross Blue Shield Global network, you get access to a large selection of trusted international providers with direct billing options in many countries.
Yes. To be eligible for the HTH TravelGap Excursion plan, you must have a primary health insurance plan based in the United States. This could be an employer-sponsored plan, Medicare, or an ACA-compliant individual plan. The TravelGap Excursion plan is designed to supplement your domestic coverage during short-term international travel, and it does not function as standalone health insurance.
TravelGap Excursion is a travel medical insurance plan from HTH Worldwide designed for U.S. citizens and residents traveling internationally. It covers emergency medical expenses including doctor visits, hospitalization, prescriptions, and medical evacuation when you're outside the United States. It works as a supplement to your existing U.S. health insurance, covering the gap between your domestic policy and the realities of receiving care abroad. Coverage is available for trips from a few days up to 180 days.
Yes. American Visitor Insurance is a licensed insurance agency that has been helping travelers compare and purchase international health and travel insurance plans since 2001. American Visitor Insurance partners with established carriers like HTH Worldwide whose TravelGap Excursion plan is underwritten by Nationwide Mutual Insurance Company, rated A+ (Superior) by AM Best. American Visitor Insurance is headquartered in New Jersey and offers licensed agent support via phone, email, and live chat, making it a trustworthy destination for purchasing travel gap insurance.
Contact our customer service team, we are here to help you!
To file a claim with TravelGap Excursion health insurance, follow these steps:
