HTH Worldwide TravelGap Gold

The HTH Worldwide Travel Insurance TravelGap Gold plan is a multi-trip travel medical plan. This means that the plan is effective for 12 months and covers multiple trips up to 70 days in length (per trip) while the plan is in effect.

For this multi-trip medical plan, you are required to have primary health insurance. It is designed to fill the gaps in your health insurance while you are traveling abroad. If you are concerned that there might be an issue related to a pre-existing condition, you’ll be interested in the benefits of this plan as they are not excluded.

The medical limits are much higher than the TravelGap Silver plan. If you are looking for security when it comes to the level of coverage you have while traveling abroad, this may be more up your alley. It also includes coverage for medical care needed due to an act of terrorism, complications of pregnancy and dental care needs.

Not only will you have access to English-speaking, contracted doctors in more than 180 countries, you will also be able to access provider profiles for each one to determine which is best for your illness or injury. Also, you’ll receive access to worldwide security information that provides health and security news alerts for your travel destination.

The plan also includes the Direct Billing program. If you choose a provider within the HTH 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.

Most importantly, you will have access to 24/7 Global Medical Assistance with a hotline to call, wherever you may be traveling, in the event there is an emergency during your trip. The customer care representative on the other end of the line will help you through whatever stressful situation is plaguing you and related to your travel medical plan.

The TravelGap Gold plan offers coverage only for future trips. No Coverage is available for a trip that you have already departed on. If you will be traveling multiple times during the year, you only have to purchase one plan to cover all your eligible trips.

Please quote this plan to review the full details which include any state exceptions.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Highlighted Coverages

Sudden Recurrence
Pre-Existing Lookback Period
Medical Evacuation

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
AM Best Rating
Years in Business


Complications of Pregnancy
Emergency Medical Expenses

Pre-Existing Conditions

Sudden Recurrence
Lookback Period
Pre-Existing Condition 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
Evacuation from
Evacuation to
Evacuation criteria

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Optional Coverages
$50 Deductible

70 days max. per trip

Primary Coverage Required

Security Profiles

Doctors & Hospitals

The HTH Worldwide 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 Gold on our site
(4.63) of 5
on average based on 10 reviews.
A.M. Best Rating
Better Business Bureau Rating
We did not have to use our insurance, so we have no idea how good or bad it is.
Theodore S.
I had no reason to file any claims under HTH Worldwide TravelGap Gold plan, but it was reassuring to know that the insurance was in place.
Frederik C.
Excellent, low cost protection for travelers. Provides worry free trips and protection for all conditions.
Robert S.
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