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.