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Travel Insurance Reviews HTH Worldwide TravelGap Excursion

The TravelGap Excursion is a single trip medical plan, covering trips up to 180 days in length. You must be enrolled in a primary medical plan to be eligible for coverage.

To learn more, see the TravelGap Excursion product page.

Customers rated the HTH Worldwide TravelGap Excursion plan
4.62 out of 5
471
ratings and reviews
98%
recommended
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Filed claim
HTH Worldwide TravelGap Excursion
I did not use the plan on this trip but I was very satisfied with the customer service rep. who explained the insurance plan to me.
Mohammad R. 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 TravelGap Excursion
I have purchased trip insurance on InsureMyTrip since 2000/01. Some years I’ve purchased insurance more than once per year, depending on my travels. Purchased different brands depending upon what company provided coverage for my destination country. Although I have only had to use my trip insurance (file a claim) a couple times, there was no problem and coverage was promptly provided under the terms of the policy. I recommend to all of my fellow travelers (often I travel with groups of 50 people or more) to always purchase trip insurance. I especially recommend the company that I have actually had a claim processed with, as I know they provide the coverage promised.
Jeanine L. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
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 TravelGap Excursion
[HTH] TravelGap gave me a sense of security we need.
patsy w. 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 TravelGap Excursion
Fortunately I did not have to use the plan. I was pleased with the way you kept in touch. You'll be my choice for the next trip.
Tobey 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
HTH Worldwide TravelGap Excursion
my flight was delayed for 36 hours i had to stay in Frankfort airport my luggage was damaged and arrived 1 week after i arrived.Coming back my luggage was delayed again, and completely damaged .
chibani b. would not recommend this plan to a friend or relative.
5 of 18 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Ryan
    IMT
    Photo
    This plan does not have travel or baggage delay coverage. It does not protect against damaged baggage. It offers coverage for the re-issuing of a lost passport or airline ticket, and lost unreturned luggage. These coverages are listed under the Travel Baggage section of the policy.
    Jul 13,2011
The trip included a
tour
HTH Worldwide TravelGap Excursion
Luckily I did not need to use the plan so cannot pass judgement. Hopefully it would have been what was needed.
Barbara 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
HTH Worldwide TravelGap Excursion
I didn't have to use the coverage, thank goodness, but, the price was perfect for the coverage offered.
Jennifer 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
HTH Worldwide TravelGap Excursion
I can only speak to the purchase of the plan since we were fortunate enough not to use it. However, it was very easy to purchase this policy. It provided the exact coverage that we needed for this particular trip at a reasonable price. Would use this service again.
Paul F. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HTH Worldwide TravelGap Excursion
Yes but very expensive and necessary
Augustine F. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HTH Worldwide TravelGap Excursion
I ended up in a hospital with a broken back after a ski accident, and at first the advice nurse they got me in contact with was great. But then when it came time to try to get HTH to provide evidence of insurance, they refused because I had purchased the policy while not in the US (there's a clause that says insurance must be purchased before the trip begins -- I didn't interpret that as "any time you leave the US you're beginning a single trip that lasts until you get back"). While I was in the hospital, they basically shut down any appeal by saying "you can't appeal until you've filed a claim, which we'll reject". In the end, my US insurance gave me pretty good coverage, so I was OK, but it drives me crazy that they'd use the IP address of the computer I was on when I purchased the policy to deny me coverage, but *not* to prevent me from buying the useless policy!
Christopher L. would not recommend this plan to a friend or relative.
12 of 13 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Beth Vassar
    HTH Worldwide
    Photo
    There are a number of important factors related to “when and where” HTH Worldwide issues our insurance policies.

    Firstly, TravelGap Excursion is available to U.S. Citizens or Permanent Residents traveling outside of the United States. The plan is available for customers purchasing in approved U.S. states. HTH Worldwide does not hold licenses to sell insurance products outside of the United States. As such, in certain circumstances it can be a violation of foreign insurance law to issue a policy when a customer is already overseas.

    Secondly, TravelGap Excursion is unique because it covers pre-existing medical conditions up to the policy maximum.. In order to offer such comprehensive benefits, it is important that customers buy the insurance prior to trip departure. If HTH were not to enforce this requirement, we could be adversely selected against. Some travelers could potentially wait until they became sick or injured before they purchased a plan.

    Finally, HTH Worldwide offers a refund of premium for customers who are ineligible for TravelGap Excursion. If you have not received a refund, please contact HTH Worldwide.
    Oct 05,2011
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