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.
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.
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.
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
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RyanIMT
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.
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.
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
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
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
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Beth Vassar
HTH Worldwide
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