Travel Insurance Reviews HTH Worldwide TravelGap Voyager
The TravelGap Voyager plan resembles the TravelGap Excursion plan, but the big difference is that you don't need primary health insurance in force to be eligible for coverage.
To learn more, see the HTH Worldwide TravelGap Voyager product page.
The trip included a
tour
HTH Worldwide
TravelGap Voyager
Provide us peace of mind while we travel abroad at a reasonable cost.
Richard G. would
recommend this plan to a friend or relative.
HTH Worldwide
TravelGap Voyager
Didn't file a claim
Walter F. would
recommend this plan to a friend or relative.
HTH Worldwide
TravelGap Voyager
As far as lost items go the exemptions list is ridiculously long. Basically nothing is covered lol. Good from the health perspective but as far as personal property you need to get a better plan
Giulio G. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
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.
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.
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.
4 of
4 people found this review helpful
-
Carol
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
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
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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.
HTH Worldwide
TravelGap Voyager
Thank God i didnt need to file a claim
But was a good price for all the things i wanted covered when traveling over seas!
But was a good price for all the things i wanted covered when traveling over seas!
zev f. would
recommend this plan to a friend or relative.
HTH Worldwide
TravelGap Voyager
Didn't need it, but the process to obtain was easy and they kept on contact, which I liked
Thomas W. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
HTH Worldwide
TravelGap Voyager
Purchased the plan but did not have a claim.
The plan offered peace of mind, knowing that if something happened we would be covered.
The plan offered peace of mind, knowing that if something happened we would be covered.
Carl L. would
recommend this plan to a friend or relative.
HTH Worldwide
TravelGap Voyager
All is great we had peace of mind.
Martha G. would
recommend this plan to a friend or relative.
Our TravelGap plans provide a small benefit for loss of baggage and personal effects.
If you need assistance with filing a claim please contact our Customer Service team at 888.243.2358.
Warm regards,
HTH