HTH Worldwide TravelGap Silver

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.

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


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 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 Silver on our site
(4.55) of 5
on average based on 39 reviews.
A.M. Best Rating
Better Business Bureau Rating
We have used the HTH for a number of years, especially in 2014 when we were volunteer teaching in Cambodia (we are seniors). We have used them again this year for a recent trip to Croatia and Greece. Its a relief knowing we have this insurance just in case. Highly recommend HTH.
James H.
Didn't need the coverage as all went well on this trip. But that's the good news. You'll be there if we need you!
Judith T.
It gave me piece of mind. The good thing about it is that it is still good for another trip until next year, so I will still have use of it on my trip next month.
Barnett L.
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