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Trip Protector FAQs
- Who is eligible to purchase a Trip Protector policy?
An Eligible Participant:
- Home Country is the U.S.
- Be under age 85
- Be from an Approved State
- Is traveling outside the U.S. or is traveling at least 100 miles from his/her home and is scheduled to spend at least 24 hours away from his/her home
- For children under age 6, must be enrolled with a parent
- Initial purchase must be made in home country prior to departing on trip.
- Eligible Participants and their Eligible Dependents are the only people qualified to be covered by the Group's Policy.
The following link describes who is qualified as an Eligible participant or Eligible dependent, as well as information on when and who to enroll and when coverage begins and ends.
- Why should I buy this insurance?
One thing that's certain is the unpredictability of travel. From sickness (you or even a non-traveling family member), hurricane evacuations, or injury while traveling, HTH's travel insurance protects you - and your trip investment - even before you leave.
- Exactly what does the insurance reimburse?
HTH coverage is extensive. Here's a shortlist of what's covered: All prepaid, non-refundable trip costs (such as air fare, cruises, tours); emergency medical or dental expenses; medical evacuations; personal effect expenses caused by baggage delay or loss - plus more. Visit TripProtector Benefits or TripProtecto Preferred Benefits for further details.
- Doesn't my medical insurance cover me?
Most medical insurance restricts or does not cover overseas, including on a cruise ship. Travel insurance covers the many gaps often associated with taking U.S. medical coverage abroad.
- Won't the credit card that I use pay for the trip or the travel supplier reimburse me, if something goes wrong?
Credit cards don't cover trip cancellation or trip interruption. And travel supplier coverage isn't as comprehensive for trip cancellation, and it typically isn't available for Collision Damage Waivers or for coverage if the supplier falls into bankruptcy.
- What is the major difference between Trip Protector and Trip Protector Preferred?
Trip Protector has a maximum medical limit of $500,000 and the Preferred option has a maximum of $1,000,000. TripProtector Preferred has higher limits for Baggage Loss, Air Flight Accident and also covers Identity Theft.
- What methods of payment are accepted?
Premiums can be paid by a major credit card online. If paying by check, please make checks payable to HTH Worldwide Insurance Services and mail to:
HTH Worldwide
Attn: Enrollment
1 Radnor Corporate Center
Suite 100
Radnor, PA 19087 - How are medical evacuation decisions made?
The evacuation benefit pays for a medical evacuation to the nearest hospital, appropriate medical facility or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary and must be approved by HTH.
- Are acts of terrorism covered under this plan?
Under the medical portion of this plan, Trip Protector does not exclude illnesses or injuries related to a terrorist act. In order to be covered in countries where there are open hostilities, such as Iraq and Afghanistan, a member must not be engaged in hostile or combative activities.
For all other benefits, coverage is provided if a terrorist act occurs in your departure city or in a city which is a scheduled destination of your trip, provided the terrorist act occurs within 7 days of the scheduled departure date.
- How do I access participating medical providers outside the U.S. and avoid claim forms?
HTH's Global Health and Safety services help members identify, access, and pay for quality healthcare all over the world. This includes a contracted community of elite providers in 180 countries. Members can access these carefully selected providers and arrange for the bills to be sent directly to HTH Worldwide. Please note, a member is responsible for their deductible at time of service, if applicable.
Direct billing can be requested by calling the assistance telephone number listed on your member ID card, or by emailing globalhealth@hthworldwide.com.
A claims instruction page is available online and can be accessed by visiting the Trip Protector Claims page. Claim forms are downloadable from this section of the site.
- Will my pre-existing condition be covered under a Trip Protector plan?
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 are automatically covered on the medical portion of this program regardless of when you pay for your trip. An Enrollee must be enrolled in a primary health plan to be eligible for medical benefits
- Does the Trip Protector Plan cover pandemics such as claims resulting from the H1N1 virus?
There is no pandemic exclusion related to medical coverage. The Trip Proctor plan covers care from physician office visits to hospitalization to prescription drugs to medically necessary medical evaluations. However, there is a general pandemic exclusion related to other benefits such as Trip Cancellation, Trip Interruption and Travel Delay benefits under the plan.
- Do I file medical claims with my primary insurance first?
Even though Trip Protector is considered secondary medical coverage, eligible medical bills can be paid upfront on a primary basis while outside of the U.S. Inside the U.S., a member should initially claim through their primary insurance, and then submit a secondary claim with HTH.
- I am leaving before my policy materials arrive in the mail. How will I receive the information I need in time?
Upon a successful purchase, you will receive an email confirmation which contains all your necessary policy information and important contact information for emergencies. Once enrolled, members can instantly log in to the Member Services area of HTH's website and download an electronic ID card and other policy documents.
- I already left on my trip. Can I buy a Trip Protector plan when I am outside the U.S.?
No. Trip Protector is approved to be sold to customers purchasing from inside the U.S.
- How do I read the fine print?