Travel Insurance Reviews HTH Worldwide
Founded in 1997, Worldwide Insurance Services helps global travelers and expatriates to identify, access and pay for healthcare, all around the world. Based on state of issuance and the plan selected, WIS offers two leading brands: HTH Worldwide and GeoBlue, both bringing innovative healthcare services and insurance to international travel, expatriate living, study and commerce.
Learn more about HTH Worldwide.
HTH Worldwide
Trip Protector Preferred
Beware the small print!
I thought that since I broke my leg and could not travel, I could claim for trip cancellation. Since I rebooked dates eight weeks later, this apparently was a "postponement" not a "cancellation". So if you can't travel for a covered reason, consider abandoning the trip even if the cost is greater. Note that this is not a specific criticism of HTH, as Insure My Trip advised that other insurers apply the same, in my opinion very dubious interpretation, of the term "cancellation".
If you are hiring a car, you may be covered for Collision Damage Waiver under your credit card - but beware their small print, as coverage is generally limited to rentals of up to 31 days. So if you rely on HTH, note that their CDW clause and exclusions was apparently written some time in the last century by someone who knew nothing about cars. Leaving aside the farcical examples such as Bradley and Yugo in the "exotic cars" exclusion, there are some potentially serious problems. All four-wheel drive vehicles are automatically excluded, which would mean most popular SUV's are not covered. Also Fiat and Citroen, who manufacture predominantly cheap cars you may well encounter at some European Hertz and Avis branches, are bizarrely classified as "exotic vehicles" and thus not covered. Naturally in the unlikely event that you did rent a true exotic that commenced production in this century, such as McLaren, Koenigsegg or Tesla, these would apparently be covered.
I thought that since I broke my leg and could not travel, I could claim for trip cancellation. Since I rebooked dates eight weeks later, this apparently was a "postponement" not a "cancellation". So if you can't travel for a covered reason, consider abandoning the trip even if the cost is greater. Note that this is not a specific criticism of HTH, as Insure My Trip advised that other insurers apply the same, in my opinion very dubious interpretation, of the term "cancellation".
If you are hiring a car, you may be covered for Collision Damage Waiver under your credit card - but beware their small print, as coverage is generally limited to rentals of up to 31 days. So if you rely on HTH, note that their CDW clause and exclusions was apparently written some time in the last century by someone who knew nothing about cars. Leaving aside the farcical examples such as Bradley and Yugo in the "exotic cars" exclusion, there are some potentially serious problems. All four-wheel drive vehicles are automatically excluded, which would mean most popular SUV's are not covered. Also Fiat and Citroen, who manufacture predominantly cheap cars you may well encounter at some European Hertz and Avis branches, are bizarrely classified as "exotic vehicles" and thus not covered. Naturally in the unlikely event that you did rent a true exotic that commenced production in this century, such as McLaren, Koenigsegg or Tesla, these would apparently be covered.
Philip M. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
HTH Worldwide
TravelGap Excursion
The plan was reasonably priced and gave me the security of knowing I was covered abroad.
Lindsay B. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
HTH Worldwide
Trip Protector Classic
Did not use the plan
Gary D. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Classic
Glad we didn't have to use it. Customer service knew what they were doing and were very helpful during the selection process.
Daniel C. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Classic
Happily, we did not need to use the plan, but it was very comforting to know it was there in case of any emergency that may have arisen and to know we would have been covered. Thank you !!!!
Gary H. would
recommend this plan to a friend or relative.
HTH Worldwide
TravelGap Excursion
I did not have to use it which was a good thing but I had great peace of mind with this insurance, the card arrived really fast and I felt secured with it
Ana H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
HTH Worldwide
Trip Protector Preferred
I purchased the plan for my daughter's 10 day visit to London, Ireland, and Scotland. Thankfully, she did not have to use the plan. She had some near misses with flights and luggage which I knew the plan would cover if needed. .Most of all, I knew she would have the resources to evacuate in the event of a terrorist attack. The plan gave me great peace of mind for a very reasonable price.
Anna M. would
recommend this plan to a friend or relative.
The trip included a
tour
HTH Worldwide
Trip Protector Preferred
The customer service agent I contacted was very responsive and helpful when I needed to see a doctor in Vietnam. I assume I won't be receiving any additional bills, and if so...I'm 100% satisfied!
Denise W. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Classic
Because of a health issue just prior to boarding our plane, we were unable to fly as scheduled. Rescheduling was costly but because we had trip interruption coverage we were reimbursed for our expense. We never anticipated having to use the insurance but are very thankful that we had purchased the coverage. We filed all the required forms shortly after returning from our trip and our claim was processed promptly. We are grateful to Insure My Trip and HTH Worldwide for providing this coverage. We will never travel abroad without having this insurance. The agents we spoke with both when purchasing our coverage and when we called to see if our rescheduling would be covered were extremely helpful and courteous. Thank you for all of your assistance.
Maleeta C. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
HTH Worldwide
TravelGap Excursion
I did not have a claim and therefore cannot evaluate the reasonableness of the plan.
Robert W. would
recommend this plan to a friend or relative.