The TravelGap Voyager plan resembles the TravelGap Excursion plan, but the big difference is that you don't need primary health insurance in force to be eligible for coverage.
We purchased this plan to cover any medical emergency and evacuation since we were in Jamaica with 2 kids. On paper everything looked Ok. I cannot provide any feedback on whether the insurance actually works or not because we did not have any emergency, and so all I can say is that buying it was easy and perhaps it provided some mental assurance that if something happened we had some phone numbers to call for help. They did provide a letter with detail instructions on what to do and what number to call in case of emergency.
Tomasz S. would
recommend this plan to a friend or relative.
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.
Brian S. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
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.
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.
It was easy to get and the price was right. They provided sufficient paperwork (via internet) to maintain my confidence. One needs something like this to have peace of mind when far from home.
On the other hand I was fortunate enough not to need to use it. So I can't comment on function fulfillment. I would tell my friends to look into it and make their own decision, as I had, but would not "recommend" what I hadn't used.
T C. would not
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
There's no way to know how effective this coverage would have been as I did not need to use it. There were no reviews available from people who did actually use it.
Susan S. would
recommend this plan to a friend or relative.
1 of
5 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
I was happy to have the piece of mind with HTH insurance, I fell the cost was very reasonable and the customer service rep I talked to was very helpful in deciding what I needed. Thanks again.
Cassie T. would
recommend this plan to a friend or relative.
1 of
3 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.