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HTH Worldwide TravelGap Excursion

The HTH TravelGap Excursion is a single-trip medical plan, covering trips up to 180 days in length. To be eligible for benefits, you must be enrolled in a primary health insurance plan.

The plan offers coverage for pre-existing conditions as well as flexibility with medical limits and deductibles, allowing you to select both. With medical limits ranging from $50,000 to $1,000,000, you will most likely find a level of coverage that you are comfortable with and best fits your needs.

The plan also includes the Direct Billing program. If you choose a provider within the HTH elite provider network and inform them 24 hours or more prior to the appointment, (or use HTH representatives to make the appointment for you) they may pay for your medical care up front. This can help you avoid a claims process.

Along with medical coverage, this plan offers emergency medical evacuation. This would provide coverage for the cost of medical evacuation in the event your medical care provider deems that you must be transported to the nearest appropriate hospital for treatment of a covered illness or injury. You are also given access to many medical and security services, where you can get information regarding security alerts and doctors at your destination. This will help you stay prepared with travel alerts and health warnings in the area.

This plan does have some travel-related reimbursement coverages, although they don’t match the level of the comprehensive plans available from HTH. These limited benefits allow reimbursement up to $500 to offset the cost of having to change an airline ticket if you trip is interrupted for medical reasons, a terrorist event, or an imminent threat to your personal safety. You can find all the details in the full certificate.

You must not have yet departed on your trip to be eligible for coverage. This coverage is only available prior to your departure of the United States.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Stay healthy while abroad with travel medical insurance for emergencies.

Highlighted Coverages

Sudden Recurrence
Pre-Existing Lookback Period
Medical Evacuation

Plan Info

View Certificate
Refund Policy
Available to
U.S. Residents
AM Best Rating

Trip Protection

Trip Interruption

Pre-Existing Conditions

Sudden Recurrence
Lookback Period

Accidental Death

24-Hr Full Coverage
Common Carrier
Included in Accidental Death 24-Hour
Flight Only
Included in Accidental Death 24-Hour


Medical Evacuation

Additional Benefits

24-Hour Emergency Assistance
Security Profiles

Doctors & Hospitals

Primary Coverage Required

The HTH Travel Medical plan is available for purchase only before your Departure Date. If you have departed for your trip, do not purchase this plan because you will not have any coverage.

Your Quote

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Ratings and reviews

Our customers rate the HTH Worldwide TravelGap Excursion on our site
(4.62) of 5
on average based on 485 reviews.
A.M. Best Rating
Better Business Bureau Rating
This is the second time I've used and HTL Worldwide, in particular. Thankfully, I did not need to file a claim but I felt secure knowing my travel medical would be covered. I have Medicare and secondary insurance but it would cover little to nothing outside the U.S. The cost of travel medical is minimal. If I bought full travel coverage it would have been more (and still worth it) but I didn't need it on the two trips I've taken so far.
Margaret B.
Glad I didn't have to use it. It was worth the money and reassuring that if needed treatment, or hospital plane it was available.
James M.
Thankful the coverage didn’t need to be utilized. It provides peace of mind while abroad. Fair price
Dennis R.
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