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Travel Insurance Reviews HTH Worldwide

Founded in 1997, Worldwide Insurance Services helps global travelers and expatriates to identify, access and pay for healthcare, all around the world. Based on state of issuance and the plan selected, WIS offers two leading brands: HTH Worldwide and GeoBlue, both bringing innovative healthcare services and insurance to international travel, expatriate living, study and commerce.

Learn more about HTH Worldwide.

Customers rated HTH Worldwide
4.56 out of 5
977
ratings and reviews
97%
recommended
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Cruise
Filed claim
HTH Worldwide Trip Protector Classic
Fortunately we did not need to file a claim but it was reassuring to know the coverage was there
if needed.
Joseph B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
tour
HTH Worldwide Trip Protector Classic
Although I did not need to file a claim it was reassuring to know that I had comprehensive coverage during my trip.
Lizabeth S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
HTH Worldwide TravelGap Voyager
Nice to know we had coverage but thankful we didn't have to use it :o)
Suzanne F. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
tour
HTH Worldwide Trip Protector Classic
we didnt need to use it but thankful it was there if we did! We will use again for all of our trips.
Thank you
Marc L. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
HTH Worldwide Trip Protector Classic
I was not told that my plan would not cover me if I did not make it to a port.
Jason Y. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Michelle A
    Photo
    Thank you for your review. Most plans do not offer coverage for a missed port. In the future, please call us at 800-487-4722 and we can help you find a plan to cover your concerns.
    Jan 22,2020
The trip included a
cruise
tour
HTH Worldwide Trip Protector Classic
I had to change the coverage by two days more and the insurance company charged me $9.00 more even though the price of the trip decreased. They would not give me a refund or at least not charge me the $9.00. Nickel and dime me!
Patricia G. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    Thank you for your feedback. Although we are sorry to hear that you were not satisfied with the policy, the HTH Worldwide Trip Protector plan included a 10 Review Period:

    "All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due."
    Jan 14,2020
The trip included a
tour
HTH Worldwide TravelGap Voyager
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. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    Thank you for your feedback. Even though your claim may be less than your policy premium, insurance providers still require specific documents to pay your claim. We are pleased to hear that your claim was quickly settled.
    Dec 31,2019
    • BrianS
      Photo
      Yes, I'm aware of the document requirement. I sent all the documents requested with the initial claim except for the airline confirmation (because it there was no indication that was needed beforehand, another example of the poor guidance on submitting a claim).

      Please note that the main point of my review was slow and unclear communication. The claim was not "quickly" settled, it was settled slowly and with conflicting information, and a > 1 month period of time with no response from the company.
      Dec 31,2019
The trip included a
cruise
tour
HTH Worldwide Trip Protector Classic
I did not have to use the insurance but the peace of mind it provided while I was on the trip was wonderful. Knowing it was there should a need arise gave me comfort so I could have fun and no worries.
Carol T. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
HTH Worldwide Trip Protector Preferred
We experienced a dental problem, but were unaware that an accident/police report needed to be made and only treatment that took place there would be covered. Previous plans I've had allowed us to complete treatment at home if not an emergency situation.

Luggage was also destroyed and a claim must first be filed with airline. HTH insurance took 48 hours to respond to tell us that so we missed the 24 hour window to do so with the airline, so we couldn't file for the damaged luggage.

Will never purchase this insurance again.
Ambrosia M. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    Thank you for your reply. We also have a response from HTH Worldwide:

    "Thank you for your review!

    Our claims department confirmed that in your email concerning the dental injury, you advised that dental treatment was not received while on the trip and that you were planning to seek treatment at home. Unfortunately, any treatment received needs to occur during the trip. Since you did not seek any dental treatment while on the trip, the plan will not consider reimbursement.

    Regarding the damaged baggage, we need additional information. We will reach out to you for this so we can consider the damaged baggage claim.Thank you!"
    Jan 07,2020
HTH Worldwide TravelGap Voyager
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. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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