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
tour
HTH Worldwide
TravelGap Voyager
I visited a doctor in Japan and got medication. The entire cost of the visit was less than my premium. I filled out the claim form with all the requested information, which includes a form (in the same PDF) for authorizing communication via email (note: their only communication options are email and postal mail). Their initial response came 8 days later and was to send proof I was in Japan (and would be leaving) and that I did not fill out the electronic communication waiver (what?). I replied the same day with the waiver attached and flight details.
After that I didn't hear anything from them, not even a confirmation, until I asked about it 1 month from my initial claim. 5 days later I received in postal mail an EOB that said my claim was denied for lack of documentation. Then that same day or 1 days later, I received an email saying my claim was paid by check. I received the paper check 1 week later.
Overall, I think the communication and claim process was subpar. The claim form was a non-fillable PDF that I annotated over so I didn't have to print it out and scan it. The process seems like it's designed to be difficult to use.
They don't give you any guidance on how to handle foreign languages or currencies so I had to just submit and hope they did translation/conversions (seemed to work).
The fact that they ignored their own waiver form to send me an identical waiver form and fill out again was very annoying, and the lack of communication overall really didn't sit well with me.
I can't imagine what it would have been like trying to communicate with them if I'd had anything complicated happen.
After that I didn't hear anything from them, not even a confirmation, until I asked about it 1 month from my initial claim. 5 days later I received in postal mail an EOB that said my claim was denied for lack of documentation. Then that same day or 1 days later, I received an email saying my claim was paid by check. I received the paper check 1 week later.
Overall, I think the communication and claim process was subpar. The claim form was a non-fillable PDF that I annotated over so I didn't have to print it out and scan it. The process seems like it's designed to be difficult to use.
They don't give you any guidance on how to handle foreign languages or currencies so I had to just submit and hope they did translation/conversions (seemed to work).
The fact that they ignored their own waiver form to send me an identical waiver form and fill out again was very annoying, and the lack of communication overall really didn't sit well with me.
I can't imagine what it would have been like trying to communicate with them if I'd had anything complicated happen.
Brian S. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
-
Carol
Thank you for your feedback. Even though your claim may be less than your policy premium, insurance providers still require specific documents to pay your claim. We are pleased to hear that your claim was quickly settled.Dec 31,2019-
BrianS
Yes, I'm aware of the document requirement. I sent all the documents requested with the initial claim except for the airline confirmation (because it there was no indication that was needed beforehand, another example of the poor guidance on submitting a claim).
Please note that the main point of my review was slow and unclear communication. The claim was not "quickly" settled, it was settled slowly and with conflicting information, and a > 1 month period of time with no response from the company.Dec 31,2019
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The trip included a
tour
HTH Worldwide
Trip Protector Classic
It’s really hard to evaluate a plan unless you are forced to make a claim. Fortunately our trip went perfectly & we didn’t have a chance to “test it out” to find out how good (or bad) they handle their claims.
Alan K. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
HTH Worldwide
Trip Protector Preferred
This plan made me feel a lot safer and eased some anxieties. I particularly liked the fact that it dealt directly with the hospital or doctor and kept me out of the middle. Excellent policy.
Gregg L. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
As a layperson with no advice or recommendation, I did the best I could to compare plans and prices, and after doing that, I picked this plan from the others. I have no idea whether it really is a good plan because I did not file a claim and have no idea how I would have been treated if I had done so.
Daniel H. would
recommend this plan to a friend or relative.
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Carol
Thank you for your review. We need your input in order to improve and provide the best travel insurance services.
Actually you did a good job in selecting the HTH Worldwide Trip Protector Preferred. However, InsureMyTrip customer care is available at 1-800-487-4722 from Monday to Friday, 7:00 am to 12:00 pm and weekends from 9:00 am to 9:00 pm to provide quotes and answer questions. We would be very happy to assist you.
We certainly hope that you will again use our services. Please remember that, in order to qualify for the time-sensitive benefits, ie, the Preexisting Condition Waiver, Cancel for Any Reason and Financial Default among others, we suggest that you call us within 10 days of your Initial Trip Payment."Oct 23,2015
HTH Worldwide
TravelGap Excursion
The website was easy to navigate and compare plans. The coverage was reasonably priced. Luckily we didn't have to use it, so I cannot comment about submitting a claim.
Giulia C. would
recommend this plan to a friend or relative.
HTH Worldwide
TravelGap Excursion
As seniors, we were concerned of possible issues popping up that could be serious and felt that the plan we purchased for our two weeks in Japan gave us a wonderful peace of mind. Even if a health problem should have hospitalized one of us, our plan made getting the patient back home a none concern. We travel a fair amount outside of the country and will always purchase the same plan we have discovered with Travel Gap.
Margaret T. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
HTH Worldwide
TravelGap Excursion
Price is reasonable for the coverage. I didn't have to file a claim. Obviously, my review could have been different if I had have to file one.
Shogo I. would
recommend this plan to a friend or relative.
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