HTH Worldwide

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Each year, HTH Worldwide, headquartered in Pennsylvania, provides hundreds of thousands of leisure and business travelers as well as international students and scholars with the ability to protect themselves, their families and their travel plans.


HTH Travel Insurance is a division of Worldwide Insurance Services, LLC that offers a variety of travel medical insurance plans to world travelers. They offer a wide selection of travel health insurance plans that include coverage for hospital care, surgery, office visits, prescription drugs and medical evacuation. They also have travel insurance plans to protect your vacation investment. The coverage in these plans provides travelers with the coverage they will need while traveling out of their home country.

Their plans are supported by a strong community of trusted English-speaking physicians and medical professionals in more than 180 countries around the world. You can travel the world with confidence knowing you have medical care close by wherever you need it.

Sometimes, medical bills can become pretty hefty. With the HTH Direct Billing program, you may not have to worry about paying for a bill upfront and then placing a claim when you get home. The Direct Billing program is built to pay for travelers medical bills up-front, as long as the traveler visits one physicians in the HTH medical network. Otherwise, the medical coverage will be secondary to your primary health insurance, if it is required by the plan you purchased.

The best way to utilize this program is to contact HTH Worldwide Services through their 24-hour assistance line, email or the mPassport app before you make an appointment. They can help assist you in setting up an appointment at an approved medical facility and physician and then pay your bill. Keep in mind, while this service is a great tool for travelers, it does primarily work with HTH network physicians only – and those are not guaranteed to be close to you destination.

As always, HTH Worldwide offers a 24/7 service hotline that delivers multi-lingual customer support. If you are unable to contact the company by phone, you can always connect with them over the internet to help you through your travel situation.


  • 24/7 customer service hotline for multi-lingual customer support.
  • Strong community of English-speaking physicians in more than 180 countries.
  • Direct Billing, which pays medical bills upfront for travelers seeing physicians within the HTH network.

Customer Ratings and Reviews

Our customers rate the HTH Worldwide on our site
(4.62) of 5
on average based on 608 reviews.
Better Business Bureau Rating
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Nothing like having peace of mind knowing you're covered.
Marie J.
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.
Susan M.
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.
Sofia M.
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