HTH Worldwide Trip Protector Classic

The HTH Worldwide Travel Insurance TripProtector Classic plan offers comprehensive travel protection, which includes trip cancellation and trip interruption coverage. Along with protecting the cost of your trip, this plan also offers coverage for baggage loss or delay and travel delay. If your bags are delayed for more than 24 hours, coverage is offered to help reimburse you for necessities you may need to purchase.

As for medical coverage, this plan offers high limits of coverage, and does not require you to have primary health insurance in force to be eligible for coverage. This plan also offers coverage for emergency medical evacuation while you are traveling. There are also Accidental Death & Dismemberment benefits for your beneficiaries.

The TripProtector Classic plan also provides you with a 24-hour emergency hotline that you can call for informational services, emergency assistance, concierge services and security profiles of your destination so that you can be well prepared wherever you may be traveling. This can highlight any travel alerts or medical warnings that may be occurring during your time of travel.

You will also have access to HTH's strong, global community of physicians, dentists, hospitals and other healthcare providers. Search online and choose the provider that best fits your needs. You can obtain provider profiles, which give you details about the doctor, their qualifications and specialty services that they provide. This service allows you to make an informed decision if you need to seek medical attention during your trip.

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.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
AM Best Rating
Years in Business

Trip Protection

Trip Cancellation
Trip Interruption
Terrorism in Itinerary City
Interrupt for Any Reason
Cancel for Any Reason
Supplier Default


Complications of Pregnancy
Emergency Medical Expenses

Pre-Existing Conditions

Sudden Recurrence
Lookback Period
Pre-Existing Condition Period

Accidental Death

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


Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Optional Coverages

Your Quote

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Ratings and reviews

Our customers rate the HTH Worldwide Trip Protector Classic on our site
(4.46) of 5
on average based on 173 reviews.
A.M. Best Rating
Better Business Bureau Rating
Web site made it very easy to compare plans and make the proper selection. Glad we didn't have a claim, but it was nice to know we were covered 'just in case'!
Bradley K.
I have used insuremytrip twice and would not hesitate to use them again. Representatives easy to work with and are knowledgeable about their product.
Douglas L.
Feel like we were taken for a ride by HTH. We had a 30 hour delay in Dallas due to weather (or supposed weather according to American Airlines). Baggage was sent on to out final destination so we had nothing. I had purchased the policy because it had a provision for compensation for a 6+ hour delay as well as baggage delay. HTH response on attempting to file a claim was that we were not covered. And I guess if you read the fine print it can be interpreted that way. Baggage was reunited with us 40 hours later. HTH interprets this as not being covered since we were on our home bound leg. However, we were not home. We were in Dallas Texas with nothing! Dallas was not our final destination. Still they will not budge and cover us. I can understand that if we were actually home that we could drive to our house and have some fresh clothes. However Dallas is a 9 hour drive from our home. A very interesting interpretation of the coverage. Sorry to say that I have used this policy many times in my travels but I never will again. Even had a claim speedily handled by them 6 years ago. This time the policy was shown to be highly deficient with so many loopholes in it that it would be unlikely to be able to file any successful claim. My advice to others considering this coverage. Go elsewhere. Both HTC and InsureMyTrip have failed me big time.
Louis S.
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