Policy maximum
$50,000, $1,00,000, $5,00,000 and $10,00,000
Deductible
$0, $100, $250 and $500
Accidental Death & Dismemberment
Sum up to $50,000
Pre-existing condition
Medical Evacuation
Trip Delay
$25 per day, up to 10 days
Repatriation of Remains
Up to $25,000
Ideal for U.S. citizens traveling internationallySolo travelersFamilies abroad
HTH TravelGap Voyager is a short-term, single-trip international travel medical insurance plan designed for U.S. residents traveling abroad. It offers strong medical protection for emergencies during international trips, making it an ideal choice for vacationers, students studying abroad, and business travelers. Unlike the TravelGap Excursion plan.
With this plan, you can customize your medical coverage from $50,000 up to $1 million, choose deductibles from $0 to $500, and benefit from 100% coinsurance outside the U.S. after the deductible. Coverage duration is flexible, ranging from as little as 1 day up to 182 days, making it suitable for both short getaways and extended international stays.
Reviews, Ratings and Experiences
HTH TravelGap Voyager stands out as a top tier travel medical insurance plan for U.S. residents heading abroad especially those without an existing U.S. health insurance policy. Here’s why it’s a smart choice:
Positive features:HTH Worldwide TravelGap Voyager insurance cost per month ranges from $40 to $825, this is dependent on the age of the traveler, the plan maximum and the deductible.
The cost of TravelGap Voyager is higher for older travelers as they are more likely to need medical care while traveling. Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 95 years can choose maximum limits of $50,000, $100,000, $500,000, $1,000,000.
For example here we are showing HTH Worldwide TravelGap Voyager cost per month with deductible $250.
| Age of traveler | Medical Maximum | |||
|---|---|---|---|---|
| $50,000 | $100,000 | $500,000 | $1,000,000 | |
| 19 - 29 years | $40 | $44 | $51 | $52 |
| 30 – 39 years | $51 | $57 | $65 | $67 |
| 40 – 49 years | $74 | $82 | $96 | $98 |
| 50 - 59 years | $103 | $114 | $133 | $136 |
| 60 - 69 years | $150 | $166 | $231 | $236 |
| 70 - 74 years | $286 | $316 | $370 | $377 |
| 75 - 84 years | $501 | $554 | $647 | $660 |
| 85 - 95 years | $626 | $692 | $809 | $825 |
Anyone needing short-term international medical insurance while leaving the U.S. for leisure, business, missionary, or educational travel. The HTH TravelGap Voyager plan is ideal for travelers looking for customizable coverage without the requirement of having U.S. primary insurance.
US residents who are temporarily traveling outside the United States for purposes such as leisure, business, education, or missionary work are eligible.
The HTH TravelGap Voyager plan is available to travelers up to 95 years of age and can be purchased with or without primary U.S. health insurance.
No, the HTH TravelGap Voyager plan does not cover medical services related to pre-existing conditions within the first 6 months of the policy. However, it does cover pre-existing conditions for these specific benefits:
The HTH TravelGap Voyager policy covers trips as short as 1 day and up to 180 days (6 months). A minimum charge of 7 days is applicable.
You can pay for your HTH TravelGap Voyager premium securely online using major credit cards. If you prefer to pay by check, make it payable to Worldwide Insurance Services and mail it to the address provided in your enrollment materials.
The HTH TravelGap Voyager plan includes coverage for emergency medical evacuations when deemed medically necessary. A licensed physician must certify the need for evacuation, and it must be pre-approved by the insurer. The evacuation will be arranged to the nearest appropriate medical facility or back to the U.S., using the most economical and direct route available.
No. This plan only provide coverage outside the U.S. and are not valid domestically.
The HTH TravelGap Voyager plan acts as secondary coverage, but it will typically process and pay claims as the primary payor. It only coordinates with your primary U.S. health insurance if necessary, ensuring smoother and faster claim processing for international medical expenses.
Yes. The plan meets all Schengen visa requirements and provides a visa letter on request.
No, the HTH TravelGap Voyager plan must be purchased before your departure while you are still physically in the United States. It cannot be bought once you have already left the country.
You can buy the HTH TravelGap Voyager plan up to one day before your departure from the U.S. However, if you prefer to receive physical ID cards by mail, it’s best to purchase the plan at least 2 weeks before your trip to allow for mailing time.
You can purchase the HTH TravelGap Voyager plan online through trusted travel insurance marketplaces like American Visitor Insurance. The site allows you to compare benefits, get quotes instantly, and buy the policy securely. You'll receive all documents by email immediately after purchase.
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