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HTH Worldwide TravelGap Voyager

The HTH TravelGap Voyager plan resembles the TravelGap Excursion plan. It is a single-trip travel medical insurance plan that covers trips up to 180 days in length. One large difference is this travel medical plan does not require that you are enrolled into a primary health insurance in order to be eligible for coverage.

Also unlike the TravelGap Excursion, the TravelGap Voyager plan includes a pre-existing condition look back period of 180 days. This means that in the event of a claim, the travel insurance company will exclude coverage for anything that is related medical advice, diagnosis, care or treatment within the 180 days prior to the effective date of coverage.

If you are looking for a plan with a little flexibility in the level of medical coverage you have while traveling, you’ll probably be interested in this plan. The TravelGap Voyager plan allows you to select your medical limit prior to purchasing the plan. It also allows you to choose your plan deductible to best fit your out of pocket budget.

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 offering coverage for your medical needs while traveling, the TravelGap Voyager plan has limited coverage if your trip is shortened due to covered medical reasons, a terrorist event or an imminent threat to your personal safety. This coverage will help to offset the cost of changing an airline or ground transportation ticket, of the same class, to return home. You will find all the details in the full certificate of the plan.

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

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

Lookback Period

Accidental Death

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

Evacuation

Medical Evacuation

Additional Benefits

24-Hour Emergency Assistance
Notes
Security Profiles

Doctors & Hospitals

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 Voyager on our site
(4.64) of 5
on average based on 105 reviews.
A.M. Best Rating
A+
Better Business Bureau Rating
Nice to know we had coverage but thankful we didn't have to use it :o)
Suzanne F.
I visited a doctor in Japan and got medication. The entire cost of the visit was less than my premium. I filled out the claim form with all the requested information, which includes a form (in the same PDF) for authorizing communication via email (note: their only communication options are email and postal mail). Their initial response came 8 days later and was to send proof I was in Japan (and would be leaving) and that I did not fill out the electronic communication waiver (what?). I replied the same day with the waiver attached and flight details. After that I didn't hear anything from them, not even a confirmation, until I asked about it 1 month from my initial claim. 5 days later I received in postal mail an EOB that said my claim was denied for lack of documentation. Then that same day or 1 days later, I received an email saying my claim was paid by check. I received the paper check 1 week later. Overall, I think the communication and claim process was subpar. The claim form was a non-fillable PDF that I annotated over so I didn't have to print it out and scan it. The process seems like it's designed to be difficult to use. They don't give you any guidance on how to handle foreign languages or currencies so I had to just submit and hope they did translation/conversions (seemed to work). The fact that they ignored their own waiver form to send me an identical waiver form and fill out again was very annoying, and the lack of communication overall really didn't sit well with me. I can't imagine what it would have been like trying to communicate with them if I'd had anything complicated happen.
Brian S.
The good news is that we encountered no events for which we needed to file a claim. Nonetheless, the peace of mind that the coverage provided for potential issues -- including trip interruption and medical emergencies -- for a very low cost was a no-brainer. The enrollment process was easy and the certificate of insurance was issued promptly. In the wake of several medical "horror" stories reported in the national news lately regarding people incurring emergency medical expenses while traveling outside of the US, trip insurance to coordinate with our existing coverages made sense. To quote Benjamin Franklin, "An ounce of prevention is worth a pound of cure."
Janice H.
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