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HTH Worldwide

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Each year, HTH Worldwide, headquartered in Pennsylvania, provides hundreds of thousands of leisure and business travelers as well as international students and scholars with the ability to protect themselves, their families and their travel plans.


HTH Travel Insurance is a division of Worldwide Insurance Services, LLC that offers a variety of travel medical insurance plans to world travelers. They offer a wide selection of travel health insurance plans that include coverage for hospital care, surgery, office visits, prescription drugs and medical evacuation. They also have travel insurance plans to protect your vacation investment. The coverage in these plans provides travelers with the coverage they will need while traveling out of their home country.

HTH medical insurance plans are supported by a strong community of trusted English-speaking physicians and medical professionals in more than 180 countries around the world. You can travel the world with confidence knowing you have medical care close by wherever you need it.

Sometimes, medical bills can become pretty hefty. With the HTH Direct Billing program, you may not have to worry about paying for a bill upfront and then placing a claim when you get home. The Direct Billing program is built to pay for travelers medical bills up-front, as long as the traveler visits one physicians in the HTH medical network. Otherwise, the medical coverage will be secondary to your primary health insurance, if it is required by the plan you purchased.

The best way to utilize this program is to contact HTH Worldwide Services through their 24-hour assistance line, email or the mPassport app before you make an appointment. They can help assist you in setting up an appointment at an approved medical facility and physician and then pay your bill. Keep in mind, while this service is a great tool for travelers, it does primarily work with HTH network physicians only – and those are not guaranteed to be close to you destination.

As always, HTH Worldwide offers a 24/7 service hotline that delivers multi-lingual customer support. If you are unable to contact the company by phone, you can always connect with them over the internet to help you through your travel situation.


  • 24/7 customer service hotline for multi-lingual customer support
  • Strong community of English-speaking physicians in more than 180 countries
  • Direct Billing, which pays medical bills upfront for travelers seeing physicians within the HTH network

Customer Ratings and Reviews

Our customers rate the HTH Worldwide on our site
(4.57) of 5
on average based on 961 reviews.
Better Business Bureau Rating
I was not told that my plan would not cover me if I did not make it to a port.
Jason Y.
I had to change the coverage by two days more and the insurance company charged me $9.00 more even though the price of the trip decreased. They would not give me a refund or at least not charge me the $9.00. Nickel and dime me!
Patricia G.
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.
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