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.
HTH Worldwide
Trip Protector Preferred
For my policy, would have liked to see an option to increase my auto rental insurance coverage. $35K would only cover sufficiently the smallest of the compacts.
Byung K. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
HTH Worldwide
Trip Protector Classic
Review based on NOT having to use any of the coverage because my trip was fine and sound. However, I did have peace of mind knowing that I had insurance. Price was good for what I needed.
Pamela U. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Classic
So glad I didn't have to use the insurance. I took it out as I had a health scare in January. It made my trip so much better knowing I had coverage if needed. As I am a senior, Medicare doesn't cover outside the US. So I needed to have the peace of mind on my trip.
Susan S. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
So far, we haven't had to use this, but the first flight on our trip was cancelled/delayed 24 hours and we are still waiting to see if the airline is going to reimburse us. If not, it's nice knowing that we have this coverage. When our flight back looked like it might be cancelled due to weather, we had peace of mind knowing we had purchased this.
Jill P. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Classic
I luckily didn't need to use any part of my plan but had piece of mind knowing I could if need be !
Beth A. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
Beware the small print!
I thought that since I broke my leg and could not travel, I could claim for trip cancellation. Since I rebooked dates eight weeks later, this apparently was a "postponement" not a "cancellation". So if you can't travel for a covered reason, consider abandoning the trip even if the cost is greater. Note that this is not a specific criticism of HTH, as Insure My Trip advised that other insurers apply the same, in my opinion very dubious interpretation, of the term "cancellation".
If you are hiring a car, you may be covered for Collision Damage Waiver under your credit card - but beware their small print, as coverage is generally limited to rentals of up to 31 days. So if you rely on HTH, note that their CDW clause and exclusions was apparently written some time in the last century by someone who knew nothing about cars. Leaving aside the farcical examples such as Bradley and Yugo in the "exotic cars" exclusion, there are some potentially serious problems. All four-wheel drive vehicles are automatically excluded, which would mean most popular SUV's are not covered. Also Fiat and Citroen, who manufacture predominantly cheap cars you may well encounter at some European Hertz and Avis branches, are bizarrely classified as "exotic vehicles" and thus not covered. Naturally in the unlikely event that you did rent a true exotic that commenced production in this century, such as McLaren, Koenigsegg or Tesla, these would apparently be covered.
I thought that since I broke my leg and could not travel, I could claim for trip cancellation. Since I rebooked dates eight weeks later, this apparently was a "postponement" not a "cancellation". So if you can't travel for a covered reason, consider abandoning the trip even if the cost is greater. Note that this is not a specific criticism of HTH, as Insure My Trip advised that other insurers apply the same, in my opinion very dubious interpretation, of the term "cancellation".
If you are hiring a car, you may be covered for Collision Damage Waiver under your credit card - but beware their small print, as coverage is generally limited to rentals of up to 31 days. So if you rely on HTH, note that their CDW clause and exclusions was apparently written some time in the last century by someone who knew nothing about cars. Leaving aside the farcical examples such as Bradley and Yugo in the "exotic cars" exclusion, there are some potentially serious problems. All four-wheel drive vehicles are automatically excluded, which would mean most popular SUV's are not covered. Also Fiat and Citroen, who manufacture predominantly cheap cars you may well encounter at some European Hertz and Avis branches, are bizarrely classified as "exotic vehicles" and thus not covered. Naturally in the unlikely event that you did rent a true exotic that commenced production in this century, such as McLaren, Koenigsegg or Tesla, these would apparently be covered.
Philip M. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
HTH Worldwide
Trip Protector Classic
Happily, we did not need to use the plan, but it was very comforting to know it was there in case of any emergency that may have arisen and to know we would have been covered. Thank you !!!!
Gary H. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
I purchased the plan for my daughter's 10 day visit to London, Ireland, and Scotland. Thankfully, she did not have to use the plan. She had some near misses with flights and luggage which I knew the plan would cover if needed. .Most of all, I knew she would have the resources to evacuate in the event of a terrorist attack. The plan gave me great peace of mind for a very reasonable price.
Anna M. would
recommend this plan to a friend or relative.
HTH Worldwide
TravelGap Excursion
I was in England when my luggage was delayed for 4 days. I was able to get hold of someone at Travelex right away who helped with the tracking of my luggage and also instructed me to purchase the items that I needed. When I got back home, I filled out a claim form, mailed in my receipts and had a check within two weeks.
Marissa A. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
HTH Worldwide
TravelGap Voyager
I didn't need or use the insurance, but I thought about it during the trip a few times and felt re-assured. The peace of mind was worth it for me. That's what insurance is for, just in case eventualities. Glad I didn't need it.
Constance B. would
recommend this plan to a friend or relative.