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
4.58 out of 5
871
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
tour
HTH Worldwide Trip Protector Preferred
Did not have any issues and did not need to use the plan or file a claim, but this was the best value for the money with the most comprehensive coverage.
Sandy S. 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
HTH Worldwide Trip Protector Classic
The cost of insurance appears high given the short period of risk. We primarily purchase the insurance for medical coverage and medical evacuation while out of the country. It would be nice if insurers provided more flexibility in what an insured purchaser can select for coverage instead of having to buy preset coverage.
Halsey S. 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
HTH Worldwide Trip Protector Classic
This was probably the easiest claims process I've ever used (and I've used several). I just went online, pulled down the list of needed documents (no surprises there), then scanned the docs and sent them in an email. 7 days later they sent me an email showing the claim settlement, and a few days later I got the check in the mail. No need to call during business hours; no need to ask for clarification on anything.

I submitted a claim for $250 in medical & pharmacy expenses, and they paid everything except the $6 Uber ride to the doctor (and when they denied that, they sent me the language from the policy explaining why).

Their policy was slightly more expensive than another company's, but I think it was worth it for the ease and speed of filing the claim.
Michael C. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
HTH Worldwide Trip Protector Preferred
Got what I wanted at a price I was willing to pay.
Lee D. 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
Good benefits but too costly
Anne D. 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.
  • Melissa J.
    Photo
    Thank you for providing your feedback. There are 3 main factors that determine premium costs: the cost of the trip, the length of the trip, and the travelers ages.

    In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.
    Aug 21,2017
The trip included a
cruise
HTH Worldwide Trip Protector Preferred
I have been using your service for years and have been very pleased with service. Will be using you again next year for are cruise. Thank You
Robert S. 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
HTH Worldwide Trip Protector Preferred
Fortunately, we did not have to seek covered services during our trip, though both my husband and I did each take a fall! However, it gave me great peace of mind to know that we could go directly to a provider that was in the network in the places we visited, rather than having to go through a claims process. For that reason, I will insure my future trips with HTH Worldwide.
Ann G. 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
HTH Worldwide Trip Protector Preferred
Claim settlement is very disappointing. They didn't consider even additional $50 expenses apart from insured amount which I had to spend in preparation of trip for which I did provide appropriate receipt as well. Usually other insurance companies do consider this so DO NOT buy HTH worldwide trip insurance.
PRAJKTA K. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Melissa J.
    Photo
    Thank you for your feedback. We received the following response from an HTH representative.

    "Hello and thank you for your feedback. Our claims department confirmed that they have processed and paid your claims according to the benefits outlined on your certificate of coverage. If you have any questions please contact customer service by phone at 1-844-276-1213 or by email at tripprotection@hthworldwide.com.

    Thank you,
    HTH Worldwide "
    Jul 20,2017
HTH Worldwide TravelGap Silver
I purchase a multi-trip plan every year because I travel a lot. It provides valuable protection at a reasonable cost.
Donald H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for a plan that is no longer available.
  • Empty Comment
HTH Worldwide Trip Protector Preferred
Beware the small print!

I thought that since I broke my leg and could not travel, I could claim for trip cancellation. Since I rebooked dates eight weeks later, this apparently was a "postponement" not a "cancellation". So if you can't travel for a covered reason, consider abandoning the trip even if the cost is greater. Note that this is not a specific criticism of HTH, as Insure My Trip advised that other insurers apply the same, in my opinion very dubious interpretation, of the term "cancellation".

If you are hiring a car, you may be covered for Collision Damage Waiver under your credit card - but beware their small print, as coverage is generally limited to rentals of up to 31 days. So if you rely on HTH, note that their CDW clause and exclusions was apparently written some time in the last century by someone who knew nothing about cars. Leaving aside the farcical examples such as Bradley and Yugo in the "exotic cars" exclusion, there are some potentially serious problems. All four-wheel drive vehicles are automatically excluded, which would mean most popular SUV's are not covered. Also Fiat and Citroen, who manufacture predominantly cheap cars you may well encounter at some European Hertz and Avis branches, are bizarrely classified as "exotic vehicles" and thus not covered. Naturally in the unlikely event that you did rent a true exotic that commenced production in this century, such as McLaren, Koenigsegg or Tesla, these would apparently be covered.
Philip M. 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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