Travel Insurance Reviews HTH Worldwide
Founded in 1997, Worldwide Insurance Services helps global travelers and expatriates to identify, access and pay for healthcare, all around the world. Based on state of issuance and the plan selected, WIS offers two leading brands: HTH Worldwide and GeoBlue, both bringing innovative healthcare services and insurance to international travel, expatriate living, study and commerce.
Learn more about HTH Worldwide.
The trip included a
cruise
HTH Worldwide
TravelGap Excursion
Purchase process was easy. Happily I never had to use it. I can't give 5 stars to something I haven't used.
Gregory M. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Classic
I researched many plans before choosing this one, and although I was fortunate enough not to need the coverage, the peace of mind was well worth it. I'll buy it again for my next trip!
Jill B. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Classic
Easy to understand coverage...had questions and rep was very helpful.
Shirley F. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Classic
Nothing like having peace of mind knowing you're covered.
Marie J. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
I always buy travel insurance after hearing nightmare stories from friends - this policy covered everything I needed and was affordable - an excellent choice.
I should add, however, that I did not make a claim and cannot comment on that aspect of the company.
I should add, however, that I did not make a claim and cannot comment on that aspect of the company.
Susan M. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
Most of the reviews here are a bit silly, considering the buyer didn't actually USE the insurance that was purchased. What they're essentially reviewing is the "peace of mind" they purchased, based on promises the various companies made to cover possible events. I would pay attention to the reviewers who actually had to file a claim first. Those are the only reviews that mean anything.
Having said that, as a former tour guide, I can tell you that trip insurance is a necessity, especially when traveling internationally. The last thing you want to worry about is covering the cost of medical expenses or emergency evacuation if you find yourself in trouble in a foreign county. Even domestic travel these days can result in unforeseen expense, at which point you'll be glad you have your own coverage. A short stay in a hospital somewhere could put a serious dent in your wallet in this country, and not necessarily be covered by your health plan at home.
Read the wording of the insurance plan you want to purchase carefully. Watch out for terms like "secondary", which indicate the coverage only kicks in after some other company acts as the "primary" insurer. Translated, that means you have to prove you weren't covered by something else first (like your personal medical insurance) before the insurance will cover the expense. To me that means paperwork, delays, and loopholes they have available to them to avoid covering an event.
In today's political climate, you'll want options if disaster or violence of some sort strikes. And, at best, lost luggage is no fun. Our luggage ended up in China once, instead of San Francisco. Took over a week to get it back. I've seen it all, and wouldn't want to travel without insurance.
As for how good this plan I chose is, I wouldn't be able to really judge because I ended up not having to test their promises. Reading through it in detail, the coverage sounded good for our needs. But the only real test is filing an actual claim. Happily, filing a claim wasn't necessary this time.
The company did follow-up immediately will all necessary information once the plan was purchased, and send reminders just before the trip began. We were pleased with all of that, and hope any claim would have been handled in a similar fashion. I've purchased several plans here over the years, and will continue to do so. To me that just makes sense for any trip, and is the equivalent of packing the proper gear in the event of rain. I don't want rain to ruin my vacation either.
Finally, make sure you understand exactly what's covered under the plan you choose, BEFORE you go. Once you're on your way, it'll be too late. And don't wait until the day of departure to buy, because then it IS too late. They don't allow same-day purchase! Happy travels.
Having said that, as a former tour guide, I can tell you that trip insurance is a necessity, especially when traveling internationally. The last thing you want to worry about is covering the cost of medical expenses or emergency evacuation if you find yourself in trouble in a foreign county. Even domestic travel these days can result in unforeseen expense, at which point you'll be glad you have your own coverage. A short stay in a hospital somewhere could put a serious dent in your wallet in this country, and not necessarily be covered by your health plan at home.
Read the wording of the insurance plan you want to purchase carefully. Watch out for terms like "secondary", which indicate the coverage only kicks in after some other company acts as the "primary" insurer. Translated, that means you have to prove you weren't covered by something else first (like your personal medical insurance) before the insurance will cover the expense. To me that means paperwork, delays, and loopholes they have available to them to avoid covering an event.
In today's political climate, you'll want options if disaster or violence of some sort strikes. And, at best, lost luggage is no fun. Our luggage ended up in China once, instead of San Francisco. Took over a week to get it back. I've seen it all, and wouldn't want to travel without insurance.
As for how good this plan I chose is, I wouldn't be able to really judge because I ended up not having to test their promises. Reading through it in detail, the coverage sounded good for our needs. But the only real test is filing an actual claim. Happily, filing a claim wasn't necessary this time.
The company did follow-up immediately will all necessary information once the plan was purchased, and send reminders just before the trip began. We were pleased with all of that, and hope any claim would have been handled in a similar fashion. I've purchased several plans here over the years, and will continue to do so. To me that just makes sense for any trip, and is the equivalent of packing the proper gear in the event of rain. I don't want rain to ruin my vacation either.
Finally, make sure you understand exactly what's covered under the plan you choose, BEFORE you go. Once you're on your way, it'll be too late. And don't wait until the day of departure to buy, because then it IS too late. They don't allow same-day purchase! Happy travels.
Sofia M. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
tour
HTH Worldwide
Trip Protector Classic
This plan provided peace of mind while traveling in the event medical care was needed or travel interruptions occurred. It also provided coverage in the event we would have needed to cancel pre-trip for a covered reason. Fortunately we did not need to use the coverage.
Alan K. would
recommend this plan to a friend or relative.
HTH Worldwide
TravelGap Excursion
The coverage cards didn't come AFTER my trip, that is kind of weird.
Eliof C. would
recommend this plan to a friend or relative.
HTH Worldwide
TravelGap Excursion
Didn't get the chance to use the plan (thankfully) but I was impressed with the process and follow up. Would definitely use again!
Timothy B. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
HTH Worldwide
Trip Protector Preferred
Less stress before and during my cruise knowing I had this insurance coverage.
Susan C. would
recommend this plan to a friend or relative.
On the date that you purchased the policy, HTH Worldwide sent you an email saying:
"Thank you for choosing the TravelGap Excursion insurance plan. If you have not already done so, you can print your ID card, which includes our emergency assistance phone numbers, your certificate of insurance, your proof of medical coverage for a consulate and other important welcome materials immediately when you register at Member Services or visit www.hthtravelinsurance.com."
Apparently you did not read this email in full so that you did not follow through to print your documents and ID card. In the future, if you do not receive information in a timely manner, please give us a call so we can advise you before you leave on your trip.