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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


Medical Evacuation

Additional Benefits

24-Hour Emergency Assistance
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
(4.57) of 5
on average based on 127 reviews.
A.M. Best Rating
Better Business Bureau Rating
I did not need to use the insurance while traveling but was glad to have had it in case of emergency.
Jan S.
We purchased this plan to cover any medical emergency and evacuation since we were in Jamaica with 2 kids. On paper everything looked Ok. I cannot provide any feedback on whether the insurance actually works or not because we did not have any emergency, and so all I can say is that buying it was easy and perhaps it provided some mental assurance that if something happened we had some phone numbers to call for help. They did provide a letter with detail instructions on what to do and what number to call in case of emergency.
Tomasz S.
I was on a hiking trip in northern Italy, and fell while descending a peak one morning. When I fell I tore both my quadriceps tendons, needing a rescue helicopter to take me to a hospital. The medical care/copter ride was tremendous in Italy. When I got back to US I filed a claim with this company- it took them almost 9 weeks for them to deny my request for the rescheduled plane ride home, and the fact that I had to travel business class (my legs were in a straight brace, and couldn't bend them. I lost close to $6000 for the rescheduled plane. Avoid this company at all cost! Terrible customer service and terrible coverage
michael F.
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