Travel Insurance Reviews HTH Worldwide TripProtector Preferred

The TripProtector Preferred, like the Classic plan, offers higher coverages and additional benefits. One of the additional benefits is the Cancel for Any Reason option. This is a great benefit to have pre-departure for unforeseen circumstances in which you may have to cancel your trip that may not be listed under the plan's covered reasons.

To learn more, see the HTH Worldwide TripProtector Preferred product page.

Customers who have rated the HTH Worldwide Trip Protector Preferred plan
4.27 out of 5
15
ratings and reviews
93%
recommended
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Cruise
Filed claim
HTH Worldwide Trip Protector Preferred
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. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
HTH Worldwide Trip Protector Preferred
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. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
HTH Worldwide Trip Protector Preferred
Less stress before and during my cruise knowing I had this insurance coverage.
Susan C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HTH Worldwide Trip Protector Preferred
Covered our needs.
Terry D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HTH Worldwide Trip Protector Preferred
Easy to sign up for and easy to print. Didn't need coverage, but happy we had it
Jacqueline L. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HTH Worldwide Trip Protector Preferred
SCAM ALERT! Warning! Do Not Use This Company! Their $250 per day "Travel Delay" coverage does not include emergency accommodation, transport to emergency accommodation, meals, etc. To be fair to HTH, this is not mentioned in their "fine print", so it's misleading, like stating one has rental car coverage, but the "fine print" states that it only covers red cars rented on Fridays! Their "Travel Delay" coverage is fake and is designed to mislead people into buying their policies. They shouldn't be allowed to call their coverage "Travel Delay". This company gives the industry a bad name.
DO NOT BUY FROM THIS COMPANY!
ANDREW R. would not recommend this plan to a friend or relative.
3 of 4 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Zac
    Photo
    Thank you for your feedback on the policy. HTH Worldwide has issued the following statement in response to this review:

    “Hello and thanks for reaching out. We apologize for any confusion you experienced. As described on the website, the Company will reimburse You for Covered Expenses on a one-time basis, up to the Maximum Benefit shown on the Confirmation of Coverage, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard

    Covered Expenses:

    a.Any prepaid, unused, non-refundable land and water accommodations;

    b.An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip; or

    c.A one-way Economy Fare to return You to Your originally scheduled return destination.

    We try very hard to keep our coverages/benefits competitive and strive to work on providing a better product for our customers. We thank you for your feedback and will continue to make every effort to better our products.”

    Please call us at 800-487-4722 if you have any questions or concerns.
    Jan 07,2016
The trip included a
cruise
tour
HTH Worldwide Trip Protector Preferred
It's kind of hard to give the HTH Worldwide Trip Protector Preferred a good rating when I (fortunately) did not need to use any of the services, but I did like the phone app and I felt confident that the policy would have been effective should I have needed it.
William H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HTH Worldwide Trip Protector Preferred
I bought the plan for the travel medical insurance, but it also came with trip insurance, which I thought I'd never use. Our flight was delayed and we missed our international connection flight and had to forfeit one night of payment at our international hotel and pay an increase in the air fare price for a flight the next day. I made a claim for about $1,000, and I was refunded $500, which they said was their maximum payment.
Michael B. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
HTH Worldwide Trip Protector Preferred
If you have government provided medical coverage in your home city only, you NEED medical insurance when traveling outside your home coverage zone. but there is a 50 mile no mans land of non-coverage by travel insurance usually, so beware.
Michael C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    Thank you for your review especially since it's the type of information that can assist our customers, but first we would like to clarify your statements. Although it is true that Travel Medical coverage will not cover you in your home city, companies have various ways of limiting Medical coverage.

    Your HTH Worldwide Trip Protector Preferred plan states under the Accident Medical Expense coverage that "the Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Coverage subject to any Deductible shown on the Confirmation of Coverage, if You incur Covered Medical Expenses for Treatment of an Accidental Injury that occurs during the Trip". In other words, your Medical coverage begins once you depart on your trip from your scheduled location. There is no mention of a 50, 100 or even 150 mile radius. Please keep in mind that the distance and number of miles can vary from plan to plan.

    To avoid confusion when purchasing a plan, as you have suggested, potential customers can call InsureMyTrip customer service at (800) 487-4722 to request a quote and guidelines for the definition of covered trip along with the radius of coverage, if applicable.

    Once again, please continue to support InsureMyTrip with your reviews. They are greatly appreciated.
    Nov 02,2015
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.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    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
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