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Trip Protector Benefits

Insurance Benefits Maximum Benefit
Travel Protection Benefits
Insured by Stonebridge Casualty Insurance Company
 Trip Protector - Insurer Pays
Trip Cancellation 100% Trip Cost
Trip Interruption 100% Trip Cost
Baggage and Personal Effects $1,000
Baggage Delay $200
Travel Delay ($150 Daily Limit) $1,000
Air Flight Accident $100,000
Pre-existing Conditions Can be covered if insurance is purchased prior to or within 24 hours of final trip payment (requirements listed below)
Travel Medical Benefits
Insured by HM Insurance Group
 Insurer Pays
Maximum Benefits per Person when 100 miles from home $500,000
Surgery, Anesthesia, Radiation Therapy, Inpatient Doctor Visits, X-Ray and Lab Office Visits 100%
Doctor Inpatient & Outpatient Office Visits 100%
Outpatient Prescription Drugs Outside U.S. 100%
Accidental Death & Dismemberment $50,000
Repatriation of Remains $25,000
Medical Evacuation $1,000,000
Claims resulting from downhill skiing and scuba diving $10,000
Dental care due to an injury or pain relief 100% up to $500/ $250 per Tooth
Bedside Visit Economy Round Trip Ticket up to $1,500
Pre-existing Conditions Covered to Policy Maximum

Pre-existing Conditions for Travel Protection Benefits

The Pre-Existing Condition Exclusion is waived provided you meet all of the following requirements:

  • the payment for this plan is received prior to/or within 24 hours after making your final payment; and
  • you are not disabled from travel at the time you make your plan payment; and
  • the booking for the Covered Trip must be the first and only booking for this travel period and destination.

Pre-existing Conditions for Travel Medical Benefits

  • Pre-existing conditions are covered on the medical portion of this program.
  • Participant must be enrolled in a primary health plan to be eligible for medical benefits

Services provided in addition to the Trip Cancellation Program

24 Hour Emergency Hotline Services

Note: Assistance services will be provided by HTH's designated provider.
  • Emergency Medical Assistance
  • Cash Advances, Legal Referrals
  • Lost Ticket and Passport Assistance
  • Emergency Prescription Refill
HTH Global Health and Safety Services
  • Access to contracted doctors in more than 180 countries
  • Access to worldwide security information in more than 166 countries and 245 cities
  • Online doctor search with more than 4,200 contracted physicians
  • Access to Drug Translation Guide
  • Health and security news alerts
  • View More Details

All benefits expressed in U.S. dollars.

Available to persons whose primary residence is in an eligible state inside the United States. A maximum of 10 people can be covered on each policy.

For more information about the benefits, including information about exclusions, key provisions, limitations and State to State variation in benefits, see the Plan Description.

Compare TripProtector Plans

Please note: you can only purchase this policy prior to departing on your trip.

Ten Day Money Back Guarantee
YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our product, simply return your Certificate or Policy of Insurance and Description of Emergency Medical Evacuation and Other Services within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left for your trip, you will receive a full refund.