HTH Worldwide TravelGap Excursion

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The HTH Worldwide Travel Insurance TravelGap Excursion is a single-trip medical plan, covering trips up to 180 days in length. To be eligible for benefits, you must be enrolled in a primary health insurance plan.

The plan offers coverage for pre-existing conditions as well as flexibility with medical limits and deductibles, allowing you to select both. With medical limits ranging from $50,000 to $1,000,000, you will most likely find a level of coverage that you are comfortable with and best fits your needs.

The plan also includes the Direct Billing program. If you choose a provider within the HTH network and inform them 24 hours or more prior to the appointment, (or use HTH representatives to make the appointment for you) they may pay for your medical care up front. This can help you avoid a claims process.

Along with medical coverage, this plan offers emergency medical evacuation. This would provide coverage for the cost of medical evacuation in the event your medical care provider deems that you must be transported to the nearest appropriate hospital for treatment of a covered illness or injury. You are also given access to many medical and security services, where you can get information regarding security alerts and doctors at your destination. This will help you stay prepared with travel alerts and health warnings in the area.

This plan does have some travel-related reimbursement coverages, although they don’t match the level of the comprehensive plans available from HTH. These limited benefits allow reimbursement up to $500 to offset the cost of having to change an airline ticket if you trip is interrupted for medical reasons, a terrorist event or an imminent threat to your personal safety. You can find all the details in the full certificate.

You must not have yet departed on your trip to be eligible for coverage. This coverage is only available prior to your departure date.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Travel Medical plans offer specific coverage needed while traveling abroad. These plans are available to travelers who are leaving their home country and require medical insurance to fill the gaps in their primary health insurance coverage.

Highlighted Coverages

Sudden Recurrence
Pre-Existing Lookback Period
Medical Evacuation

Plan Info

View Certificate
Refund Policy
Available to
AM Best Rating
Years in Business

Trip Protection

Trip Cancellation
Trip Interruption
Financial Default
Terrorism in Itinerary City
Interrupt for Any Reason
Cancel for Any Reason
Baggage Loss
Baggage Delay
Travel Delay
Supplier Default


Complications of Pregnancy
Emergency Medical Expenses

Pre-Existing Conditions

Sudden Recurrence
Lookback Period
Pre-Existing Condition Period

Accidental Death

24-Hr Full Coverage
Common Carrier
Included in Accidental Death - 24-Hour
Flight Only
Included in Accidental Death - 24-Hour


Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Security Profiles

Doctors & Hospitals

Primary Coverage Required

The HTH Travel Medical plan is available for purchase only before your Departure Date. If you have departed for your trip, do not purchase this plan because you will not have any coverage.

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Ratings and reviews

Our customers rate the HTH Worldwide TravelGap Excursion on our site
on average based on 398 reviews.
A.M. Best Rating
Better Business Bureau Rating
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I had no difficulty selecting the coverage options I desired. I thought the price and coverage limits were reasonable. Fortunately, I did not have to make any claims. Having the insurance though, provided me with peace of mind.
Christopher T.
The plan gave me everything needed for my daughters trip. We did not need to claim, so I cannot comment further.
Sarah G.
Since we had no health issues on the trip, it met all of our needs - which were none outside of some trepidation about what we might need. I suggest that HTH Worldwide send a person periodically - once a year? - to each of the destinations for which coverage was requested in the prior year to have actual information on the level of difficulty of actually needing medical assistance and using the HTH services.
Thomas H.
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