The HTH Worldwide Travel Insurance TravelGap Silver plan is a multi-trip travel medical plan which covers trips of 70 days or less taken within a 12 month period. As the more economical of the two multi-trip plans offered from HTH Travel Insurance, it has the lowest medical limits available for an annual plan. It also includes a $50 deductible. To be eligible for coverage from this plan, you must be enrolled in a primary health insurance plan.
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.
With this plan you are given access to the HTH Global Health and Safety Services. These include information for destination security and destination medical care provers. 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.
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.
This plan only offers coverage for future trips. No coverage is available for a trip on which you have already departed. 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.