Travel Insurance Reviews HTH Worldwide TripProtector Preferred
The TripProtector Preferred, like the Classic plan, offers higher coverages and additional benefits. One of the additional benefits is the Cancel for Any Reason option. This is a great benefit to have pre-departure for unforeseen circumstances in which you may have to cancel your trip that may not be listed under the plan's covered reasons.
To learn more, see the HTH Worldwide TripProtector Preferred product page.
The trip included a
tour
HTH Worldwide
Trip Protector Preferred
It's hard to rate travel insurance if you don't have to make a claim. That said, after comparing numerous plans, this one seemed to offer the best mix of coverage I was looking for at a decent price.
April K. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
Best bang for the buck on the plans offered. Also, seemed more professional than other trip insurance products from this site -- included a printable insurance card to carry.
Edward B. would
recommend this plan to a friend or relative.
The trip included a
tour
HTH Worldwide
Trip Protector Preferred
Coverage was good on paper, but as I did not have to file a claim I can't really review the product. It would be 5-stars if any claims were handled great and 1-star if I would have had to fight for the coverage.
Nathan H. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
I always buy travel insurance after hearing nightmare stories from friends - this policy covered everything I needed and was affordable - an excellent choice.
I should add, however, that I did not make a claim and cannot comment on that aspect of the company.
I should add, however, that I did not make a claim and cannot comment on that aspect of the company.
Susan M. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
Most of the reviews here are a bit silly, considering the buyer didn't actually USE the insurance that was purchased. What they're essentially reviewing is the "peace of mind" they purchased, based on promises the various companies made to cover possible events. I would pay attention to the reviewers who actually had to file a claim first. Those are the only reviews that mean anything.
Having said that, as a former tour guide, I can tell you that trip insurance is a necessity, especially when traveling internationally. The last thing you want to worry about is covering the cost of medical expenses or emergency evacuation if you find yourself in trouble in a foreign county. Even domestic travel these days can result in unforeseen expense, at which point you'll be glad you have your own coverage. A short stay in a hospital somewhere could put a serious dent in your wallet in this country, and not necessarily be covered by your health plan at home.
Read the wording of the insurance plan you want to purchase carefully. Watch out for terms like "secondary", which indicate the coverage only kicks in after some other company acts as the "primary" insurer. Translated, that means you have to prove you weren't covered by something else first (like your personal medical insurance) before the insurance will cover the expense. To me that means paperwork, delays, and loopholes they have available to them to avoid covering an event.
In today's political climate, you'll want options if disaster or violence of some sort strikes. And, at best, lost luggage is no fun. Our luggage ended up in China once, instead of San Francisco. Took over a week to get it back. I've seen it all, and wouldn't want to travel without insurance.
As for how good this plan I chose is, I wouldn't be able to really judge because I ended up not having to test their promises. Reading through it in detail, the coverage sounded good for our needs. But the only real test is filing an actual claim. Happily, filing a claim wasn't necessary this time.
The company did follow-up immediately will all necessary information once the plan was purchased, and send reminders just before the trip began. We were pleased with all of that, and hope any claim would have been handled in a similar fashion. I've purchased several plans here over the years, and will continue to do so. To me that just makes sense for any trip, and is the equivalent of packing the proper gear in the event of rain. I don't want rain to ruin my vacation either.
Finally, make sure you understand exactly what's covered under the plan you choose, BEFORE you go. Once you're on your way, it'll be too late. And don't wait until the day of departure to buy, because then it IS too late. They don't allow same-day purchase! Happy travels.
Having said that, as a former tour guide, I can tell you that trip insurance is a necessity, especially when traveling internationally. The last thing you want to worry about is covering the cost of medical expenses or emergency evacuation if you find yourself in trouble in a foreign county. Even domestic travel these days can result in unforeseen expense, at which point you'll be glad you have your own coverage. A short stay in a hospital somewhere could put a serious dent in your wallet in this country, and not necessarily be covered by your health plan at home.
Read the wording of the insurance plan you want to purchase carefully. Watch out for terms like "secondary", which indicate the coverage only kicks in after some other company acts as the "primary" insurer. Translated, that means you have to prove you weren't covered by something else first (like your personal medical insurance) before the insurance will cover the expense. To me that means paperwork, delays, and loopholes they have available to them to avoid covering an event.
In today's political climate, you'll want options if disaster or violence of some sort strikes. And, at best, lost luggage is no fun. Our luggage ended up in China once, instead of San Francisco. Took over a week to get it back. I've seen it all, and wouldn't want to travel without insurance.
As for how good this plan I chose is, I wouldn't be able to really judge because I ended up not having to test their promises. Reading through it in detail, the coverage sounded good for our needs. But the only real test is filing an actual claim. Happily, filing a claim wasn't necessary this time.
The company did follow-up immediately will all necessary information once the plan was purchased, and send reminders just before the trip began. We were pleased with all of that, and hope any claim would have been handled in a similar fashion. I've purchased several plans here over the years, and will continue to do so. To me that just makes sense for any trip, and is the equivalent of packing the proper gear in the event of rain. I don't want rain to ruin my vacation either.
Finally, make sure you understand exactly what's covered under the plan you choose, BEFORE you go. Once you're on your way, it'll be too late. And don't wait until the day of departure to buy, because then it IS too late. They don't allow same-day purchase! Happy travels.
Sofia M. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
tour
HTH Worldwide
Trip Protector Preferred
Less stress before and during my cruise knowing I had this insurance coverage.
Susan C. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
Covered our needs.
Terry D. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
Easy to sign up for and easy to print. Didn't need coverage, but happy we had it
Jacqueline L. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
SCAM ALERT! Warning! Do Not Use This Company! Their $250 per day "Travel Delay" coverage does not include emergency accommodation, transport to emergency accommodation, meals, etc. To be fair to HTH, this is not mentioned in their "fine print", so it's misleading, like stating one has rental car coverage, but the "fine print" states that it only covers red cars rented on Fridays! Their "Travel Delay" coverage is fake and is designed to mislead people into buying their policies. They shouldn't be allowed to call their coverage "Travel Delay". This company gives the industry a bad name.
DO NOT BUY FROM THIS COMPANY!
DO NOT BUY FROM THIS COMPANY!
ANDREW R. would not
recommend this plan to a friend or relative.
6 of
8 people found this review helpful
The trip included a
cruise
tour
HTH Worldwide
Trip Protector Preferred
It's kind of hard to give the HTH Worldwide Trip Protector Preferred a good rating when I (fortunately) did not need to use any of the services, but I did like the phone app and I felt confident that the policy would have been effective should I have needed it.
William H. would
recommend this plan to a friend or relative.
“Hello and thanks for reaching out. We apologize for any confusion you experienced. As described on the website, the Company will reimburse You for Covered Expenses on a one-time basis, up to the Maximum Benefit shown on the Confirmation of Coverage, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard
Covered Expenses:
a.Any prepaid, unused, non-refundable land and water accommodations;
b.An Economy Fare from the point where You ended Your Trip to a destination where You can catch up to the Trip; or
c.A one-way Economy Fare to return You to Your originally scheduled return destination.
We try very hard to keep our coverages/benefits competitive and strive to work on providing a better product for our customers. We thank you for your feedback and will continue to make every effort to better our products.â€
Please call us at 800-487-4722 if you have any questions or concerns.