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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.

Customers rated the HTH Worldwide TravelGap Voyager plan
4.64 out of 5
105
ratings and reviews
97%
recommended
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Cruise
Filed claim
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
  • Empty Comment
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.
1 of 1 people found this review helpful
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
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
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!
zev 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 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.
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 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.
Carl L. 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 Voyager
All is great we had peace of mind.
Martha 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 TravelGap Voyager
I bought insurance from them for visa purposes. It worked fine, although i did not file any claim so..

Overall good experience.
Taufique A. 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 Voyager
I didn't need or use the insurance, but I thought about it during the trip a few times and felt re-assured. The peace of mind was worth it for me. That's what insurance is for, just in case eventualities. Glad I didn't need it.
Constance 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 Voyager
Once again I had the comfort of being covered but, it was my good luck I did not have an occasion to test your coverage. Thanks again and I will be contacting you for my next trip.
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
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