hth worldwide travel insurance reviews

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Travel insurance

HTH Worldwide travel insurance review 2024

Jennifer Simonson

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Kara McGinley

Updated 5:55 a.m. UTC March 19, 2024

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HTH Worldwide

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

Along with a couple of other policies, HTH’s TripProtector Classic offers generous layoff coverage. You’re eligible if you’ve been continuously employed for at least a year, with no waiting period.

• Preexisting conditions can be covered if you buy a TripProtector Classic plan within 14 days of your first trip deposit.
• Best-in-class financial default coverage after only a 10-day wait.
• Top-notch $1 million per person in medical evacuation coverage.
• TripProtector Classic doesn’t offer a “cancel for any reason” upgrade, but the pricier Preferred plan does.
• No “interruption for any reason” upgrade available.
• No non-medical evacuation coverage.

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our  methodology below.

• 2,332 coverage details evaluated.
• 385 rates reviewed.
• 5 levels of fact checking.

HTH Worldwide overview

Created under the Worldwide Insurance Services umbrella, HTH Worldwide provides travel insurance for both business and leisure travel. Nationwide Mutual Insurance Company underwrites HTH Worldwide’s single-trip insurance plans. 

HTH Worldwide travel insurance plans

HTH Worldwide offers TripProtector plans that cover single domestic or international trips. In addition to travel protection and medical benefits, each plan includes non-insurance travel assistance such as a 24-hour emergency hotline service, destination health and security information and an online doctor search. 

HTH provides a 10-day “free look” period to give you the chance to look over your policy and cancel for a full refund if it doesn’t suit your needs. If you are not satisfied, return your policy within 10 days of receipt along with a letter indicating your reason for cancellation for a full refund (not available in NY or WA).

Economy 

HTH’s starter travel insurance plan offers basic coverages, including: 

• Emergency medical evacuation: $500,000.
• Emergency medical: $75,000.
• Trip cancellation: 100% reimbursement of eligible trip costs up to $5,000.
• Trip delay: $500 maximum (after an eight-hour delay and with a $100 per day limit).
• Trip interruption: 125% reimbursement of eligible trip costs.

While the Economy plan also covers baggage loss, baggage delay and missed connections, it does not include rental car damage coverage or a preexisting conditions waiver. It includes accidental death and dismemberment coverage for air only. 

TripProtector Classic 

The TripProtecor Classic plan includes everything in the Economy plan and increases the travel protection and travel medical benefits. This plan gets 3 stars in our rating of the best travel insurance companies .

• Emergency evacuation: $1 million.
• Emergency medical: $250,000.
• Trip cancellation: 100% reimbursement for eligible trip costs up to $25,000.
• Trip delay: $1,000 ($200 per day after a six-hour delay).
• Trip interruption: 150% reimbursement of eligible trip costs. 

The plan also includes a preexisting condition waiver if the insurance is purchased within 14 days of your first trip deposit, as well as accidental death and dismemberment coverage of up to $25,000 per person. Like the Economy plan, lost and delayed baggage and missed connections coverage is also included. 

TripProtector Preferred 

The TripProtector Preferred plan offers enhanced coverage but is more expensive than the Classic and Economy plans. 

• Emergency medical: $500,000.
• Trip cancellation: 100% reimbursement of eligible trip costs up to $50,000.
• Trip delay: $2,000 ($200 per day after a six-hour delay).
• Trip interruption: 200% reimbursement of eligible trip costs.
• Optional “cancel for any reason” (CFAR): 75% reimbursement for eligible trip costs.
• Pet medical expense: $250. 
• Rental car damage: $35,000.
• Accidental death and dismemberment: $50,000. 

Unlike the other two plans, the Preferred Benefits plan offers pet medical expense coverage, rental car damage coverage and optional cancel for any reason travel insurance coverage. You can get a preexisting conditions waiver if the travel insurance plan is purchased within 21 days of your first trip deposit. 

This plan also includes coverage for lost and delayed baggage and missed connections. 

What HTH travel insurance covers

HTH Worldwide’s three TripProtector plans include the following coverage:

• Travel medical insurance reimburses you for medical expenses like care, hospitalization, lab work and more if you get sick while on your trip. 
• Emergency medical evacuation covers the cost of emergency medical transportation to the nearest adequate treatment center if you become seriously injured or ill while traveling and require immediate care. 
• Trip cancellation insurance reimburses prepaid, forfeited, nonrefundable trip costs if you need to cancel your trip for a covered reason.
• Trip delay coverage reimburses reasonable extra expenses, such as meals, lodging and transportation, if your travels are delayed due to reasons like a flight being canceled due to severe weather.
• Trip interruption coverage reimburses you for unused, prepaid, nonrefundable trip expenses such as hotel nights and missed excursions if you need to end your trip early because of a reason listed in your policy, such as a child back home getting sick. 
• Baggage loss reimburses you for luggage and personal items that are lost, stolen or damaged during transit. 
• Baggage delay reimburses for expenses paid for items like toiletries and a change of clothes needed because of delayed baggage.

Each plan has coverage limits and time frames for when coverage kicks in (like six hours for baggage delay coverage). Be sure to read your policy to understand the limits and exclusions.

What HTH travel insurance doesn’t cover

All travel insurance plans have exclusions, or things the policy does not cover. 

Some examples of the emergency medical coverage exclusions in HTH Worldwide’s TripProtector Classic plan are:

• Accidental injury or sickness when traveling against the advice of a physician.
• Being under the influence of drugs or intoxicants (except when prescribed by a physician). 
• Cosmetic surgery (except as a result of an accident). 
• Dental treatment (except as the result of injury).
• Suicide, attempted suicide or any intentionally self-inflicted injury.
• Participation as an athlete in professional sports.
• Participation in adventure sports such as canoeing, kayaking, zip-lining, water skiing, camping, hiking, backpacking and sailing. 
• Pregnancy and childbirth (except for complications of pregnancy).

Additional policy add-ons

HTH Worldwide’s TripProtector Preferred plan offers optional upgrades including “cancel for any reason” (CFAR) coverage , pet medical coverage and rental car damage coverage (not available in every state).

“Cancel for any reason” (CFAR) coverage

TripProtector Preferred policyholders have the option to purchase “cancel for any reason” (CFAR) coverage. This coverage reimburses up to 75% of your prepaid, nonrefundable trip payments or deposits if you cancel your trip for any reason at least 48 hours before your scheduled departure.

To get CFAR coverage, you need to buy it within 21 days of your first trip deposit. This benefit is not available in New York or Washington. 

HTH Worldwide travel medical insurance 

HTH Worldwide offers two plans for travelers who want travel medical insurance for international trips. Both plans are available to United States residents who are 95 years old or younger. 

Single-trip option for travelers with primary health insurance

This short-term international medical plan was created for travelers who have primary health insurance but want extra coverage for traveling abroad. The maximum benefit amounts range from $50,000 to $1 million, and deductibles range from $0 to $500. There is no preexisting condition exclusion.

The plan covers 100% of the following:  

• Ambulatory surgical center.
• Anesthesia.
• Dental injury expenses ($500 maximum).
• Diagnostic X-rays and lab work.
• In-hospital doctor visits.
• In-patient medical emergency. 
• Office doctor visits.
• Outpatient prescription drugs.

The plan covers mental health emergencies as it would any other condition. The single-trip plan also includes common travel insurance coverages like medical evacuation, accidental death and dismemberment, trip interruption, trip delay and lost and delayed baggage.

Single-trip option for travelers without primary health insurance

This plan is for those traveling abroad who do not have primary health insurance. Like the plan for travelers with primary health insurance, the benefits range from $50,000 to $1 million and deductibles range from $0 to $500. 

This plan covers 100% of the following:

• Dental injury expenses ($300 maximum).
• Diagnostic X-rays and lab work. 
• In-patient medical emergency.

Like the other, this plan also covers mental health emergencies as it would any other condition. However, this plan has a 180-day preexisting condition exclusion and only covers 50% of prescription drugs. 

Expat health insurance plans

HTH Worldwide also offers two international expatriate health insurance plans for people who live or work outside their home country: 

• Xplorer Premier: Administered through GeoBlue Insurance, this plan provides complete health insurance coverage that can be used anywhere in the world by individuals or families who intend to be outside their home country for at least three months a year. 
• Navigator: Also through GeoBlue, this is a health insurance plan specifically designed for crew, missionary or student travelers who plan to be outside their home country at least three months a year.

More travel insurance companies to compare

Here’s how insurers in our rating of the best travel insurance companies compare.

Via Compare Coverage’s website

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Preexisting medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover preexisting medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

HTH Worldwide travel insurance review FAQs

Yes, HTH Worldwide’s three TripProtector plans cover both domestic and international travel. 

The cost of a HTH Worldwide travel insurance plan varies depending on several factors such as the traveler’s age, trip cost, trip destination and type of coverage. For example, the cost of HTH Worldwide TripProtector Classic plan for a $3,000 trip for two 30-year-old travelers heading to Mexico for eight days would be about $116.

Yes, HTH Worldwide travel insurance plans include coverage for COVID-19 in its emergency medical coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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HTH Travel Insurance Review: Is It Worth the Cost?

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Table of Contents

What is HTH travel insurance?

What does hth cover, hth policy overview, what’s not covered by an hth plan, how hth compares to its competitors, how much is hth travel insurance, how to buy an hth policy, which hth travel insurance plan is best for me, does hth offer 24/7 travel assistance, how to file a claim with hth travel insurance, is hth travel insurance worth it, hth travel insurance recapped, star rating methodology.

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH travel insurance provides plans for all types of travelers, including those going on a single trip, those looking for an annual policy, ship crew members, missionaries and students.

Combined with the ability to have your health care providers paid directly by your policy, this makes HTH travel insurance a good choice for many.

Why trust NerdWallet?

Our Nerdy editorial team aims to be a starting point in your travel insurance research. We default towards transparency and follow a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers and advertising relationships do not influence our ratings. Learn more about our strict editorial guidelines .

Founded in 1997, HTH travel insurance provides coverage to more than 700,000 customers a year. HTH has policies offering wide range of coverage to many types of travelers, so odds are you’ll find a plan that suits your needs.

HTH’s travel insurance policies are underwritten by a few companies, including BCS Insurance Company, 4 Ever Life International Limited and Nationwide Mutual Insurance Company.

Among these, Nationwide Mutual Insurance Company is the most highly rated, scoring a Financial Strength Rating (FSR) of A (excellent) from credit rating firm AM Best. HTH’s remaining underwriters have an FSR score of A-, which is still considered excellent.

Many specialized HTH travel insurance medical coverage plans exist, though HTH travel’s insurance coverage still provides limited trip protections.

Generally speaking, here’s what you can expect when you purchase an HTH travel insurance plan:

HTH health insurance coverage : Covers doctor visits, inpatient visits, surgery and more, whether routine or an emergency. 

Medical evacuation : Reimburses costs for when your medical care requires evacuation to another location. 

Trip interruption : Covers costs for nonrefundable expenses as a result of your trip being interrupted. 

Trip delay : Pays for costs incurred as a result of your travel being delayed. 

Lost luggage : Reimburses you for loss, theft or damage to personal effects during a covered trip.

HTH’s policies have a broad array of inclusions. It offers five single-trip plans that fall into two main categories, medical and travel.

It also offers two annual travel insurance plans for specific kinds of travelers.

Some plans focus on medical care, whether or not you have a primary health insurance plan in the U.S. These provide high limits for medical care but limited and fixed benefits for trip protections.

Single Trip Option for Travelers with Primary Health Insurance.

Single Trip Option for Travelers Without Primary Health Insurance.

TripProtector plans, meanwhile, have a lower maximum on health costs and they cover only accidents or illnesses while you’re traveling, not routine care. At the same time, they provide more trip protections, which can be better for those on expensive vacations.

TripProtector Economy.

TripProtector Classic.

TripProtector Preferred.

Here's an overview of HTH's single-trip plan options and what is included.

Long-term travel insurance

HTH also offers long-term travel medical options for those who travel often or who are away for longer than six months.

HTH offers two types of annual plans:

Plans for standard or corporate travelers, called the Xplorer plan.

Plans for maritime crew members, missionaries and students, called the Navigator plan.

Both plans provide only medical coverage and don’t offer other trip protection benefits.

» Learn more: How does annual travel insurance work?

Add-on options

HTH doesn’t provide many options when it comes to add-ons. However, it's most expensive TripProtector Preferred plan allows you to purchase Cancel For Any Reason (CFAR) insurance, which will reimburse you for up to 75% of expenses if you cancel your trip.

Don’t want to shell out for travel insurance? A variety of travel credit cards offer complimentary trip insurance assuming you pay for the trip with your card.

» Learn more: The best travel credit cards right now

The coverage you’ll receive with an HTH plan will depend on which plan you’re purchasing. For example, TripProtector Preferred comes with rental car insurance , though none of the other available options do.

HTH’s medical-focused plans are also missing trip cancellation insurance , which is included on each of the TripProtector policies.

Whether you have pre-existing conditions included on your HTH plan is also going to depend on which plan you choose. TripProtector Economy and a Single Trip plan for those without health insurance do not have this option.

Beyond this, most travel insurance plans have specific exclusions to their coverage, including:

Activities when you’re under the influence of drugs or alcohol.

Extreme sports.

Named storms. 

Participation in athletic events. 

» Learn more: How to find the best travel insurance

On a 5-star scale, NerdWallet rated HTH 4.5 stars. Jump to see our methodology.

A sample trip for a 36-year-old traveler from Indiana to Canada for five days found that the cheapest HTH plan cost $146. If you were to spring for the premium plan, which increases your coverage limits, expect to pay $233.

When looking across multiple providers, the basic plan for the same sample trip ranges in cost from $10-$202. Note that price isn't the only differentiating factor. Coverage is not identical across plans; each company offers various levels of scope, limits and exclusions.

How much does HTH travel insurance cost? To find out the cost of various HTH travel insurance policies, we generated a sample quote for a 28-year-old from Nevada on a three-week vacation to Ireland, with a total trip cost of $4,700.

As you can see, HTH travel insurance costs much more when you add in greater trip protection benefits.

Purchasing an HTH travel insurance policy can be done online. To do so, you’ll first want to generate a quote on HTH’s website .

Before getting a quote, you’ll want to decide if you want more medical benefits or trip protections. Based on this, you can select Single Trip Medical or Trip Cancellation from the drop-down menu on the homepage.

Once you’ve put in all your travel information, HTH will generate quotes for each plan level. You can then select the one that suits your needs and check out with your new policy.

Consider comparison shopping

If you're not 100% sold on purchasing a plan from HTH, you can use a travel insurance aggregator to compare policies across multiple companies at once.

The HTH plan that best suits you will vary based on your needs. For example, if you anticipate having health needs while traveling abroad, you may want to opt for medical-focused plans.

But if you’re planning a more extended trip with many moving parts and want to be reimbursed for things like delayed luggage or missed connections, a TripProtector plan may be more appropriate.

Not everyone has the same needs when traveling, so not everyone should choose the same insurance policy. Here are some things to consider before purchasing a plan.

Look at coverage details

Scour your plan benefits to see what’s covered. If you won't need trip interruption insurance, don’t buy it. Similarly, depending on your health status, you may feel comfortable purchasing a less expensive plan with fewer medical benefits.

Think long term

How often do you travel? If you’re frequently out of the country, you’ll want to weigh the cost of purchasing multiple single-trip plans versus one annual plan. Do the math and see where you’d come out ahead.

Use existing coverage

Many travel credit cards offer travel insurance, though coverage levels will vary. To qualify for this complimentary insurance, you’ll need to pay for your trip using your eligible card. Common card benefits include trip interruption insurance, baggage delay reimbursement and emergency medical insurance.

HTH offers 24/7 travel assistance on its TripProtector plans. The issues with which HTH can help you range from prescription replacements and passport replacements to lost luggage retrieval.

You can contact HTH at 877-865-5979, 610-254-8771 or via email at [email protected] .

One of the best features of HTH travel insurance is its Direct Pay option. This allows your HTH policy to pay your medical costs directly to the provider, eliminating the need for a refund.

If you can't use a provider within HTH’s network and the one you choose won’t accept Direct Pay, it’s possible to submit a claim.

To do so, you’ll need to log in to your HTH account.

From there, you can fill out and submit the paperwork for your claim. This is also true of any trip protection claims you have, such as lost luggage or a trip delay.

Is HTH travel insurance good? You'll rarely find health care plans for travel abroad unless they’re just covering accidents and illnesses.

That’s what makes HTH’s medical policies stand out. The fact that HTH provides long-term policies for expats is another bonus, as many countries require that you provide independent medical coverage.

But its TripProtector plans are somewhat limited in scope compared with those from other insurance companies, plus they lack customization opportunities.

Overall, HTH may be a good option for you if you need to seek health care while traveling and don’t mind missing out on many trip protection benefits. Otherwise, you may want to look elsewhere .

HTH’s trip interruption and trip delay benefits can help reimburse the costs incurred by a flight cancellation.

If you use Direct Pay, you won’t need to file a claim since HTH will pay for your health care visit automatically. Otherwise, the time it takes to receive a refund can depend on a variety of factors, including what you’re claiming and the documentation you submit.

HTH travel insurance is secondary, which means it will pay out after other available insurance benefits.

Yes, HTH plans will cover COVID-19 costs.

HTH offers a few travel insurance plans depending on your needs, including options for single- and multi-trip policies. Before you buy a plan, be sure you’ve understood its coverage and costs, especially compared with other policies.

Travel insurance

NerdWallet's ratings for travel insurance companies take into account the following details about each insurer:

Scope of coverage.

Customizability.

Consumer experience and complaints.

The best travel insurers excel in all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and allow customers to customize plans to meet their coverage preferences. They're also able to keep their customers happy throughout the relationship.

Data collection and review process

NerdWallet collects over a dozen data points for each insurer we analyze from their public-facing websites and third-party analyses. These data points are then compared against one another and against NerdWallet's standards for good travel insurance companies to determine a star rating.

Data is collected on a regular basis and reviewed by our editorial team for consistency and accuracy. Final star ratings are presented on a scale of one to five stars, where a one-star score represents "poor" and a five-star score represents "excellent."

The reviews team

The writers and editors behind NerdWallet's travel insurance reviews are insurance specialists who have had their work featured by or appear in The Associated Press, The Washington Post, The New York Times, the Chicago-Sun Times, U.S. News & World Report and the Society for Advancing Business Editing and Writing. Each writer and editor follows NerdWallet’s strict guidelines for editorial independence .

In addition to travel insurance, the team covers travel rewards programs, airlines and hotels.

Rating specifics

Our star ratings are weighted based on our editorial and professional opinions. We use the following weightings when rating travel insurers:

Scope of coverage (25%).

Customizability (25%).

Consumer experience and complaints (25%).

Cost (25%).

Scope of coverage ratings are based on assessments of a company’s standard protections, including:

Travel medical insurance.

Trip cancellation.

Trip interruption.

Trip delay.

Baggage and personal belongings, lost luggage.

Emergency medical assistance.

Emergency medical evacuation.

Emergency medical repatriation.

Accidental death and dismemberment insurance.

Rental car coverage.

Customizability ratings factor in coverage limit range (a fixed price or a percent of trip cost?), whether or not a policy has customizations available, and the number of bonus features. We consider the following services as above and beyond a standard policy:

24-hour assistance.

Pre-existing medical conditions coverage.

Extreme sport coverage.

CFAR add on availability.

Travel health insurance.

Interruption for Any Reason.

Travel Inconvenience.

Cancel for Work Reasons.

Electronics coverage.

Consumer experience ratings are based on provider reviews on Squaremouth.com. If the company is not in the Squaremouth database, we default to Google reviews.

Affordability ratings are based on the percentage of total trip cost a plan costs a policyholder. Less than 4% is considered excellent, whereas over 9% is considered poor.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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• HTH WorldWide Travel Insurance Review

On This Page

• Key takeaways

Is HTH Worldwide legit?

• Bottom Line Main highlights of HTH Worldwide travel insurance

HTH Worldwide travel insurance plans & coverage

Things not covered by hth worldwide travel insurance, cost of hth worldwide travel insurance plans, hth worldwide travel insurance reviews from customers, is hth worldwide travel insurance worth it, faqs: hth worldwide travel insurance, related topics.

HTH WorldWide Travel Insurance Review 2024: Is It Worth It?

• HTH Worldwide is a well-established travel insurance provider with 27 years of experience .
• The provider offers three comprehensive travel insurance policies : TripProtector Economy, TripProtector Classic and TripProtector Preferred. These plans cover trip cancellation, trip interruption, medical emergencies and more.
• Some plans include coverage for natural disasters and situations that involve acts of terrorism . Most travel insurance providers do not offer this type of coverage.
• Optional add-ons are available with the Preferred plan. These add-ons include cancel for any reason (CFAR) coverage, a collision damage waiver and a pre-existing medical condition waiver.
• It offers two additional policies designed specifically for medical and medical evacuation coverage .
• To compare multiple travel insurance policies and find the best one to suit your travel needs, try using our online comparison tool .

If you’re exploring travel insurance options, HTH Worldwide stands out as a trustworthy provider .

The company offers comprehensive plans catering to various travel needs , including unique features like coverage for natural disasters and substantial medical care limits.

In this HTH Worldwide review, we’ll break down all the plan details, optional add-ons, customer reviews and overall suitability so that you can make an informed decision about what to purchase for your upcoming journey.

• Good coverage for interruptions (up to 200%)
• Offers comprehensive trip protection and travel medical insurance
• Access to health services worldwide via the mPassport app
• Offers coverage for expatriates
• Medical plans may have a high deductible
• Baggage delay coverage requires 12 hour delay (long)

HTH Worldwide Travel Insurance, which is also known as HTH Travel Insurance and Worldwide Insurance Services, is a legitimate insurance provider.

The company was founded in 1997 under the name Highway to Health; today, it operates under the HTH Worldwide brand. With 27 years of trading, the company is firmly established in the travel insurance market. HTH Travel Insurance offers a variety of comprehensive plans for travelers of all kinds.

Are you considering HTH Worldwide travel insurance for your next trip? To help you decide if this is the best travel insurance for your journey, here’s an in-depth look at the primary features, benefits and highlights of the company’s plans.

Bottom Line: Main highlights of HTH Worldwide travel insurance

When you buy travel insurance from HTH Worldwide, you gain access to a variety of comprehensive benefits.

Depending on the plan you choose, you can get trip coverage for situations that are typically excluded from most travel insurance policies, including natural disasters.

HTH Worldwide’s highest-level plans come with luxury benefits that are hard to find elsewhere — the TripProtector Preferred plan will reimburse you for up to 200% of your costs in case of a trip interruption. If you’re traveling as a group, HTH Worldwide offers a 10% discount.

If you’re concerned about medical coverage on your trip, HTH Worldwide offers high-limit options up to $500,000 for medical care and $1 million for medical transportation . Plus, with the company’s mPassport app, it’s easier to locate the closest health providers anywhere in the world. If you need to be hospitalized, the Direct Pay system can work with the facility to settle the bill.

Most HTH Worldwide travel insurance plans are designed for people who are taking a single trip.

HTH Travel Insurance

Options include:

TripProtector Economy:

This base-level TripProtector plan offers more trip coverage than HTH Worldwide’s single-trip plans; it’s best for shorter trips to low-risk, politically stable destinations. You’ll get a maximum of $5,000 for trip cancellation, 125% of the cost of trip cancellation, $75,000 of medical coverage and $500,000 for medical evacuation.

TripProtector Classic:

If you need a mid-range option with high medical coverage limits and comprehensive trip protection, this is your best bet. It covers trip cancellation up to $25,000 and trip interruption of up to 150% of the cost of the trip. Plus, you’ll get coverage for natural disasters and situations that involve terrorist activities.

TripProtector Preferred:

This is HTH Worldwide’s premier travel insurance plan; it comes with all the benefits of the Classic and Economy plans, plus trip interruption coverage up to 200% of the trip cost and up to $50,000 for trip cancellation. You’ll also get $500,000 in medical coverage and up to $1 million in medical transportation. This plan is a good option if you’re taking an expensive trip or traveling to a remote destination with high-cost medical evacuation options . For example, African safari vacations are often costly and involve outdoor excursions where the terrain can make access to emergency assistance a challenge, so this plan would be ideal for coverage on your trip to Botswana .

TravelGap Excursion excl US:

This plan is best if you already have U.S. health insurance and you want extra medical insurance for your trip. You can choose a maximum benefit ranging from $50,000 to $1 million and a deductible between $0 and $500. This plan covers professional services, inpatient hospital services, medical evacuation and a companion’s transportation to join you if you’re injured during your trip. It also comes with modest trip coverage.

TravelGap Voyager excl US:

This plan is best for people who need flexible travel medical coverage and don’t have primary health insurance in the United States. It comes with medical insurance during your trip, medical evacuation, companion travel and basic trip coverage. You can choose coverage limits between $50,000 and $1 million and a deductible between $0 and $500.

Here’s a brief look at how these plans compare:

Optional add-ons

HTH Travel Insurance offers a few optional add-ons, but only if you purchase the TripProtector Preferred plan.

These benefits provide extra coverage and come at an extra cost.

Cancel for any reason coverage (CFAR)

This add-on allows you to cancel a trip for reasons not covered in the main policy. When you use it, you’ll be reimbursed for just 75% of the trip costs. To be eligible for CFAR coverage , you must cancel at least two days before you’re scheduled to depart.

Collision damage waiver

The collision damage waiver, which maxes out at $35,0000, covers any damages that result from theft, vandalism, collisions or certain weather conditions. You must be listed on the car rental agreement. The collision damage waiver isn’t available in New York or Texas.

Pre-existing medical condition waiver

The TripProtector Preferred plan can cover pre-existing medical conditions — but only if you buy the policy within 21 days of the date you make the first deposit for the trip. In addition, you must be medically cleared to travel on the day you buy the policy. This waiver covers diseases, illnesses and medical conditions for 60 days before your departure date.

Like most providers, HTH Worldwide travel plans come with a list of exclusions — things the policies do not cover.

If you have the TripProtector Preferred plan, for example, typical exclusions include:

• Self-inflicted injuries
• Participation in war activities
• Flying a plane
• Mental and emotional disorders (unless you’re hospitalized)
• Athletic participation in professional sports
• Nonemergency surgeries and exams
• Pregnancy (unless it’s a complication of pregnancy)
• Dental treatment (unless it’s necessary after an injury)
• Suicide or suicide attempts
• Extreme sports
• High-risk or criminal activity
• Travel that goes against the advice of a doctor
• Travel to seek medical care

It’s also important to note that HTH Worldwide’s baggage benefits don’t apply to a wide range of items, including boats, professional equipment, musical instruments, hearing aids and orthodontic devices.

Bear in mind that each policy may have different exclusions — read the fine print carefully to determine what your plan does not cover.

Based on our sales data, customers who purchased HTH Worldwide travel insurance via our platform spent an average of $203 for a 30-day trip. Therefore, we can assume that HTH Worldwide travel insurance costs around $7 per day.

To help you better understand how much HTH Worldwide travel insurance costs, we got quotes to five different countries for the three comprehensive HTH Worldwide plans: TripProtector Economy, TripProtector Classic and TripProtector Preferred. We then took the average of each quote.

Average Cost of HTH Worldwide Travel Insurance Plans

Keep in mind that the price of a travel insurance policy varies depending on several factors, such as your age and the cost of your trip. Therefore, your final cost will be different than those displayed above. To find out how much you’ll pay, get a quote using our online comparison tool .

Methodology for reaching these averages

We used the following details for each quote:

• Total trip cost : $2,000
• Trip duration : Seven days
• Time of trip : September 2024
• State of residence : California
• Destinations : Dominican Republic , Italy , Japan , Mexico and Spain

HTH Worldwide travel insurance plans have 481 customer reviews with an overall rating of 4.23 out of five on Squaremouth .

Here’s what reviewers had to say about HTH Worldwide.

What customers like

Positive reviews highlight these points:

• Easy purchase process
• Availability of direct insurance billing
• Kind and helpful customer service team

These are some reviews from pleased customers:

“I, unfortunately, had to utilize medical facilities on my most recent trip, and had a good experience with HTH…I was connected to someone who instantly created that email for me, and sent it to me and to the hospital. The whole thing took less than 30 minutes. With that letter in tow, I was able to be seen, treated and released without payment on my part. This made the entire episode easier on me. So, I had a very positive experience with HTH and would absolutely use them again.” - Philip

“I spoke with the customer service representatives several times both before and after purchasing my travel policy. Everyone I spoke with was very courteous and very professional. They explained everything very clearly.” - Patrick

What customers don’t like

Reviews that reflect unpleasant experiences mention these issues:

• Can be challenging to connect to support
• Filing claims can be confusing
• Claim processing can take more than one month

Below are some comments from unhappy reviewers.

Bear in mind that customers are often more likely to leave a review when they are upset, rather than when they are satisfied.

“Very difficult to reach them and when I did they would only say I had to file my small claim through the internet.” - Donna

“Had to call a couple different numbers to get a few simple questions answered so it made me concerned if I did have an issue or to file a claim.” - Justin

HTH Travel Insurance may be worth it if emergency medical coverage is your primary concern while traveling.

With the company’s emergency assistance line and mPassport app, you can find healthcare providers that contract directly with HTH Worldwide to handle direct payments and reduce your out-of-pocket costs. Many plans offer high limits for both medical and trip coverage , which is convenient for high-ticket trips to far-flung destinations.

If you need customizable medical coverage, your best bet is one of the company’s TravelGap plans. They allow you to choose your coverage and deductible limits , and they’re available to people with and without primary health insurance.

When you want high coverage limits for both medical care and trip protection, HTH Worldwide’s TripProtector plans are a better option. The Economy, Classic and Preferred plans offer tiered benefits with trip cancellation coverage up to $50,000, medical care up to $500,000, and medical evacuation up to $1 million. The Classic and Preferred plans also offer coverage for natural disasters and terrorism, which is useful when you’re traveling to high-risk countries.

If you want travel insurance that covers multiple trips or long-term travel, you might want to choose another provider .

Do HTH Worldwide travel insurance plans cover COVID?

Certain HTH Worldwide travel insurance plans cover COVID . For example, if you purchase the TripProtector Preferred plan and fulfill the requirements for the preexisting condition waiver, you can use the policy benefits if COVID affects your plans.

Do HTH Worldwide travel insurance plans cover preexisting medical conditions?

Many travel insurance plans from HTH Worldwide, including both single-trip policies, cover preexisting medical conditions. If you’re buying a TripProtector plan, keep in mind that the Economy and Classic plans do not cover preexisting conditions; the Preferred plan does, but only if you purchase it within 21 days of your first trip deposit.

Who owns HTH travel insurance?

HTH Travel Insurance falls under the umbrella of HTH Worldwide.

About the Author

Hayley Harrison is an active personal finance contributor for LA Times Compare. She is passionate about helping consumers make informed financial decisions and achieve their financial goals by simplifying complex topics relating to insurance and personal finance.

Hayley brings first-hand knowledge of the finance industry thanks to her previous experience as a branch manager for a mid-sized regional bank and as a licensed accident and health insurance agent.

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Reviews 3.1.

Most relevant

Worst Insurance Plan

My wife was travelling to visit me in the states. I didn't have her on my primary insurance plan back then. I purchased a single-trip insurance from the HTH travel insurance and their partner GeoBlue. Everything went smooth and I was able to get her insurance card via email. On her fourth day of travel, she dislocated her collar bone to which we went to doctor and sought medical attention. After having her checked up, surprisingly the nurse showed saying the insurance does not cover it. I said there should be a mistake, but to no avail she was right. I contacted GeoBlue, someone picked up and as I could not understand him I asked to talk to a supervisor. He put me on hold and minutes later he handed to phone to some colleague. I gave her all the details of insurance card and she said the company does not offer insurance in the states. I said why do not you fix your website then as it allows people to buy, she was rude enough to cancel the insurance immediately with no reasoning at all. The bill was huge and I paid out of pocket. I am urging people, if there was a zero star rating, I would have spared the 1 star rating. Think twice buying this company's insurance. It is a waste of your time, money and can get you in trouble.

Date of experience : April 30, 2024

Highly recommend (from someone who’s submitted several claims)

I’ve used HTH a number of times over the years, and they have always been easy to work with. I’ve wound up in the hospital/clinic several times, and HTH has reimbursed me each time with no hassle. They’re pretty affordable and I’ve never had trouble getting in touch with customer service to ask questions about the plans. I would highly recommend them. I don’t even second guess it at this point, I just buy insurance from them whenever I go on a trip. Obviously you should do your research and make sure the plan works for your activities and risk tolerance, but it’s great for me and I’m a fairly adventurous traveler.

Date of experience : February 24, 2023

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HTH Travel Insurance Review

HTH Travel Insurance

Choose your limits and deductibles

Multi-trip insurance plan, special plans for international travel, group rates for five or more.

• John Hancock
• Allianz Global Assistance

How We Reviewed HTH Travel Insurance

8 hours of research

5 plans evaluated

2 competitors compared

HTH Travel Insurance offers a variety of policies and the option to choose your limits and deductibles. From single-trip insurance plans to policies covering international travel and long-term visits, HTH has a plan for almost anyone. This also extends to those traveling in groups of five or more with 10% off standard rates. About the only problem we saw was that anyone opting for a single-trip plan without U.S. primary health insurance will have to opt for a weaker alternative. Other policies offered such as multi-trip and international don’t even have an alternative, requiring you to have a health plan.

That being said, the flexibility of the policies on offer and your ability to choose the limits and deductibles still make for compelling policies worth considering. Especially if you are traveling in a group.

From the homepage: “We offer a wide selection of travel health insurance plans that include coverage for hospital care, surgery, office visits, prescription drugs and medical evacuation.”

Is it true?

Yes — as long as you have U.S. primary health insurance.

As stated on the homepage, the company “offers a variety of travel medical insurance across the U.S. under leading brands.” This means that HTH Travel Insurance is a secondary provider and almost all of the plans and policies offered required you to have primary health insurance.

So, while it is true that these plans can include coverage for hospital care, surgery, office visits, prescription drugs and medical evacuation, you might not get to experience these without primary health insurance. There is a version of the single-trip policy designed for those without a policy but it offers less coverage and some notable coverages are absent.

Product Overview

Those with primary health insurance traveling in a group

Those without health insurance

When you purchase a Single Trip travel insurance policy from HTH Travel Insurance, you can select how much emergency medical coverage you want — up to $1 million. You also get a say in how much you want your deductible to be. Few travel insurance providers give you these options and determine the coverage limits and deductibles for you. That makes HTH’s flexibility a rare find in the industry and something you definitely want to keep in mind as you select the right travel insurance policy for you.

HTH Travel Insurance’s multi-trip plan covers emergency medical expenses for an unlimited amount of trips within a 12-month period. If you’re a frequent traveler, particularly if you spend a lot of time out of the country, this plan is invaluable. It covers pre-existing conditions as well as hospital care, prescription medications, and medical evacuations. Annual travel insurance plans are difficult to come by so, if you travel often, HTH Travel Insurance’s multi-trip plan is something you should check out.

HTH Travel Insurance offers two different travel insurance plans specifically designed for people traveling outside the U.S. Their Premier Expat plan covers emergency medical and dental care both inside and outside the country and you can keep this coverage for up to nine months after your trip. There’s also the Essential plan which just covers any emergency treatment you receive while you’re out of the country. In addition, there are also two plans just for students studying abroad. The short-term plan offers up to $1 million in coverage and the long-term plan has no medical maximum at all, so you can be sure that you’re covered for the entire duration of your trip no matter what happens.

The TravelGap Group plans cover trips as long as six months and offer rates 10% lower than standard single-trip rates. The group plans do not cover trip cancellation or interruption for lost or stolen luggage. However, they do provide solid emergency medical and dental coverage for all members of the group. Most travel insurance companies do not offer group rates unless there are 10 or more people traveling, so HTH Travel Insurance’s plan is pretty unique in the industry. If you’re traveling as part of a student organization or a missionary group, this is something you should look into.

Possible Drawbacks

Some policies require a health plan.

Because HTH Travel Insurance is a secondary provider, several of their policies only insure individuals who already have some sort of primary health insurance. This means that your primary insurance provider must handle your claims first. Any costs not covered by your primary health insurer are then be covered by HTH Travel Insurance. There are several other travel insurance companies out there that offer primary coverage for emergency medical treatment, and these are going to be better options for you if you don’t meet the criteria for HTH’s travel insurance policies.

The Competition

Hth travel insurance vs. john hancock travel insurance.

John Hancock has fewer options than HTH Travel Insurance and no where near the flexibility when it comes to coverage and deductibles. However, we appreciated the fact that what fewer plans John Hancock had were all solid. John Hancock also had a slightly higher financial strength rating but HTH’s A- is still considered excellent and reliable should you ever need a claims payout.

HTH Travel Insurance vs. Allianz TraveL Insurance

Allianz and HTH Travel Insurance offer a wide variety of plans and coverages to choose from. However, when put side-to-side, Allianz squeaked out ahead by not only having a couple more plans but also offering free coverage for children under 18. Allianz also has a higher financial strength rating of A+ but, again, an A- is nothing to sneeze at. One thing that was missing from Allianz that we found in both HTH and John Hancock was the option for any annual plans. If you’re a student or doing mission work, you’re going to need a long-term plan and Allianz might not be your best bet.

HTH Travel Insurance FAQ

Do i need a primary health plan to be eligible for hth travel insurance policies.

In most cases, yes. With the exception of the alternative Single Trip plan, you will need a primary health plan to be eligible for an HTH travel insurance policy. HTH is a secondary provider which means that it falls to your primary health plan provider to handle your claims before HTH can kick it to pick up the rest.

Are acts of terrorism covered under HTH travel insurance plans?

Yes, all of the HTH Travel Insurance plans we reviewed and most of the ones listed on the homepage cover for acts of terrorism. This includes injuries and illnesses as a direct result of terrorist attacks.

The Bottom Line

HTH Travel Insurance offers a lot of flexibility when it comes to choosing your coverage and deductibles. We would have liked to see a little more when it came to options for those without primary health plans and it would have been nice if children under 18 were covered. However, HTH offers more than enough to make up for this including a 10% discount for groups of five and more and a variety of international travel plans to suit all sorts of long-term travelers.

About the Authors

Brian Robson Staff Writer

Brian Robson has worked on Reviews.com for three years and has studied the insurance market as well as elements of personal finance including credit cards and credit monitoring. His work spans all categories, but he specializes in finance and insurance pieces.

Recently Added

World Nomads Travel Insurance Review

Allianz Global Assistance Travel Insurance Review

John Hancock Travel Insurance Review

Table of Contents

• HTH Travel Insurance
• Provider Review

Reviews, Sales, and Service Ratings for HTH Travel Insurance

0.2% (49) negative reviews to sales Average on Squaremouth is 0.2%

• 5 stars 293
• 4 stars 103
• 1 star   32
• Customer Service Before Trip
• Customer Service During Trip
• Customer Service During Claim

Customer Reviews for HTH Travel Insurance

Sort by Most Helpful, Most Recent, Star Ratings, or select “Filed Claim” to only show reviews from customers who filed a claim.

• Next ›
• Last »
• Sort and Filter Sort/Filter All ratings 1 star 2 stars 3 stars 4 stars 5 stars Newest First Rating, best to worst Rating, worst to best Most helpful first Filed claim

The language should include a statement like "There is no benefit for inconvenience in regards to delayed baggage." 5 of our baggage was delayed 6 hours but we did not purchase anything to replace items. Therefore we received no compensation. The title "Delayed Baggage" is not correct. The benefit should read that HTH Travel Insurance will compensate for items for the exact price paid that we purchased as a result of my baggage being delayed.

I appreciated being able to send the supporting documents of my illness online and I received confirmation that they were received. The documents were very promptly reviewed and approved. A check for the full amount paid for the medical treatment arrived very quickly. I am fully satisfied.

Looking forward to my claim being settled with a full reimbursement for interrupted travel due to flight cancellations.

My experience getting the insurance coverage set up was excellent and no hassle. I will call upon you again for any of my several days of travel

I needed an operation & my Dr did not want me to travel so soon. I sent in all completed claim forms & I am still waiting for my refund.

This provided peace of mind while traveling.

Online-- best prices--- best offers any questions-- customer service is so sweet-- and answers any questions very easy to use all their services they make you feel totally protected-- 5 stars for HTM travel insurance

It was something I was advised to do, to get this insurance. After I purchased it, I never gave it another thought , as nothing happened to require insurance . I am thankful for that.

I was unable to go on my trip, had not recovered from Covid 3 weeks prior. Cancelled the trip 2/6/24, informed HTH Travel Insurance, filed the appropriate paperwork. I had a question on the financial documenation of payment they wanted. It took a week and another email to get an answer. Sent those additional papers on 2/20/24 to Nationwide TravClaims. No response so far by 2/23/24.

Review Updated: 03/22/2024

I submitted all documents requested, and am still waiting for payment of my cancelled trip. The company is unresponsive, and extremely slow. Very disappointed that I have not yet received my trip reimbursement covered by trip insurance. I would not use this company again, nor would I recommend it.

We are sorry about your experience with us. Please provide us with more information on your experience and we can address it accordingly. Our customer service team can be reached at [email protected] or 610.254.8769. We are constantly striving to build products that will better serve our customers and we accept your valuable feedback.

The process was longer than anticipated but it was finally completed. In contacting their customer service department, I was treated with good knowledge and good answers. The only disappointment was the delays but we can live with that.

Insurance Providers

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HTH Worldwide Travel Insurance Review (2024)

Our HTH Worldwide travel insurance review weighs the benefits and drawbacks of the company’s standard trip insurance policies and available upgrades.

with our comparison partner, Squaremouth

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

The best travel insurance companies offer comprehensive policies or a la carte plans to meet each traveler’s specific needs. HTH Worldwide has policies focused on medical expenses, multi-trip policies for business travelers and expatriates, and single-trip travel plans offering reimbursement for unexpected cancellations and delays. It also provides a 10% discount to groups of five or more seeking an insurance policy.

Learn more about what HTH Worldwide offers travelers like you in our in-depth review.

• Average Cost: $212
• BBB Rating: A-
• AM Best Score: A-
• Medical Expense Max: $500,000
• Emergency Evacuation Max: $1,000,000

Our Take on HTH Worldwide Travel Insurance

HTH Worldwide earned 4.3 out of 5 stars in our comprehensive review, landing at 14th overall out of the 20 travel insurance companies we’ve scored. 

HTH Worldwide received points for its coverage details and cost based on our methodology. We like how it offers cancel for any reason (CFAR) coverage for up to 75% of your total trip expenses. It also provides emergency evacuation limits of $1 million for its mid-level and premium plans. We especially appreciate how it gives travelers a 10% discount on an insurance policy for groups of five or more people.

However, while HTH Worldwide provides CFAR coverage, this optional add-on protection is only offered through its highest plan level and is not available in New York or Washington. HTH also restricts the rental car damage and pet medical expense coverage offered through its high-level plan to certain states.

Pros and Cons

Why trust marketwatch guides.

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

How HTH Worldwide Scored in Our Methodology

After analyzing HTH Worldwide using our travel insurance methodology , the company scored 4.3 out of 5 stars . It scored full points in our cost, coverage details and cancel-for-any-reason (CFAR) coverage amount categories. The company earned low marks for its claim eligibility window and credit rating.

Rating is based off of MarketWatch Methodology Guidelines

What Does HTH Travel Insurance Cover?

HTH Worldwide offers three different trip protection plans to travelers seeking a travel insurance policy: TripProtector Economy, Classic and Preferred. The company provides notable coverage for trip interruption across all three plans, covering anywhere from 125% to 200% of your unused trip expenses. Only one other provider we’ve reviewed, Nationwide , offers up to 200% reimbursement in this area.

If you’re looking for CFAR coverage, you can only purchase an add-on with HTH’s Preferred plan for up to 75% expense reimbursement. Other standard protections offered by HTH include travel medical insurance , accidental death and dismemberment, emergency evacuation, baggage delay, trip delay and more. HTH’s Preferred plan also has options for add-ons such as rental car damage and pet medical expense coverage.

Policies Offered

Here is a comparison of the three comprehensive trip protection plans from HTH Worldwide. The limits and benefits are based on a solo 40-year-old traveler without pre-existing conditions vacationing outside the U.S.

HTH Add-On Options

Insurance riders are clauses changing the details of an insurance policy. Frequently, an insurance company will use riders to add specific coverage or increase limits.

Rather than purchasing individual add-ons using riders, customers can upgrade to the HTH Worldwide’s TripProtector Classic plan. Here are the limit increases that come with it.

• 100% cancellation insurance up to $25,000
• 150% interruption coverage
• $250,000 emergency medical
• $1 million evacuation
• $1,000 maximum for lost baggage or personal effects

If the Economy plan provides sufficient coverage, you can purchase a pre-existing condition exclusion waiver within 14 days of your first trip deposit.

Cost of HTH Travel Insurance Plans

The cost of an HTH travel insurance plan largely depends on the coverage level you choose. Basic plans, such as HTH’s TripProtector Economy, offer lower limits but cheaper premiums. HTH’s TripProtector Preferred plan features add-on protections like CFAR or pet medical expense coverage and overall higher coverage limits but is more expensive than other plans.

Companies decide on travel insurance policy costs based on several factors that help calculate the risk of covering a customer. For single-trip plans, most insurers make pricing decisions based on the trip cost, destination, age of the travelers, itinerary activities, pre-existing medical conditions and trip dates. 

Through our extensive research process, we found that the average cost of a travel insurance policy is $212 . Our team calculated this average by gathering quotes for various traveler profiles from 20 different insurance companies. See the table below for a breakdown of the average HTH policy cost across all three plans for seven sample travelers.

Use the chart below to compare HTH's average cost to competitors:

HTH Worldwide International Travel Insurance Cost

To help you compare the cost of HTH Worldwide travel insurance, we pulled quotes by plan level for a 30-year-old couple taking a $5,000 trip to Mexico.

Cost of HTH Health Insurance Plans

Hth worldwide travel insurance reviews.

HTH Worldwide has over 400 reviews on Squaremouth as of June 2023. Many of the positive reviews focus on the ease of the purchase process and access via the mobile app and website. Some reviewers complained that the claims process was complex and that it was difficult to connect with HTH via phone.

Here are four examples of reviews from verified Squaremouth customers.

“I have nothing but high praise for the experience. All questions were answered and the information was complete with zero confusion. Thankfully I did not need to utilize my coverage, but I traveled with the confidence that if I needed it would be there. I will definitely use this service again and recommend this to my friends and family.” —John from NY “ First of all, the website is clear and simple and it was easy to buy the travel insurance online. We had some minor health issues in Singapore and upon return, I filed a claim. No questions asked and claim was processed. We had our refunds. Recommended my sister-in-law (she left for Europe) 2 days ago and she purchased a package from HTH.” —May Kim from NY “Trip to Peru/Machu Picchu was canceled due to several issues in Peru, [primarily] being no train service to Machu Picchu. Trawick provided conflicting information on whether the claim was covered. It is clear that they are doing everything they can to avoid paying a claim, or provide other options, as promised. Use another, reputable insurance provider!” —Peter Lievense “ HTH Travel says it has 24/7 customer service, but this only applies for emergency medical care . For everything else, you have to contact them during regular business hours on Eastern U.S. time zone, which is very difficult to do from many international locations. They are also very busy during their business hours, so I was never able to speak to an agent during our trip. I left a message with my contact information to receive a call when an agent was available, after being prompted to do so due to the high call volume. I was never contacted.” —A from GA

HTH Worldwide responded with the following: We are sorry about your experience. Due to the strain of the pandemic and higher than normal inquiry volumes, we are doing our best to respond to all inquiries in the order they were received. We appreciate your patience and understanding as we work through these unprecedented circumstances.

“I don’t understand why it had been so difficult to get the proper claims forms from HTH/ Nationwide . I had to call multiple times only to receive PDF forms to fill out that have limited space and are cumbersome. HTH hold times are unacceptable, and it’s amazing to me that the claims process isn’t digital. HTH proves that it’s easy to buy an insurance policy but difficult to make it work in times of need.” —Sven from NY

HTH Worldwide responded with the following:

• Go to https://hthtravelinsurance.com/index.cfm
• Click on “member login” in the top righthand corner.
• Click on “Register here”
• Enter your certificate number, First name, last name.
• Click “continue”
• Policy documents will appear in member portal. If you have any issues with this process, please reach out to our customer service team at 610-254-8769 or email [email protected].

How To File a Claim with HTH Worldwide

HTH Worldwide directs TripProtector customers to its claims page ( https://hthtravelinsurance.com/TP_TPP_Claims.cfm ). This page has downloadable PDF versions of claims forms and information about supporting documentation. The company also says you can request forms by email, fax, phone or standard mail.

HTH Worldwide provides the following contacts for claims-related submissions and questions.

Medical Claims: Telephone:  888.243.2358 Fax: 610.293.3528 Mail: HTH Worldwide 933 First Avenue King of Prussia, PA 19406 Email: [email protected]

All other claims Telephone:  866.655.30358 Mail: HTH Worldwide P.O. Box 939057 San Diego, CA 92193-9057 Email: [email protected]

Compare HTH Worldwide to Other Travel Insurance Companies

If you are traveling to a remote destination with fewer medical facilities, the likelihood of needing medical evacuation increases in the event of a serious accident. Depending on your destination, you may want to consider a company offering plans with high evacuation limits.

Does HTH Worldwide Offer 24/7 Travel Assistance?

HTH Worldwide offers assistance to policyholders via its Global Health and Safety Services. This 24/7 travel assistance is available for all insurance plans from HTH. You can access this assistance by phone (toll-free or collect calls).

Services are also available via the mPassport mobile app or web platform. Policyholders can access a list of physicians or hospitals accepting direct payment from the insurance company and make appointments directly on the app or site.

What’s Not Covered by HTH Worldwide Travel Insurance?

Each of HTH Worldwide’s three travel insurance plans provides a set list of exclusions, making it easy for policyholders to understand what is and is not covered. Some exclusions include losses resulting from or involving the following situations:

• Self-inflicted injury
• Insurrection or rebellion
• Breakage of fragile items
• Insect or vermin infestation
• Participation in professional sports
• Participation in extreme or adventure sports
• Property illegally acquired, kept, stored or transported

If you’re looking for extreme or adventure sports coverage, we suggest considering a travel insurance plan from World Nomads . We named this provider our pick for adventure travelers thanks to its coverage of activities such as scuba diving, bungee jumping, windsurfing, alpine ski touring and more.

Read More: Travel Insurance For United States Tourists

Is HTH a Good Choice for Travel Insurance?

HTH is a good choice for travel insurance if you’re seeking high trip interruption coverage limits and CFAR coverage. HTH offers trip interruption limits upwards of 200% and provides 75% CFAR reimbursement through its Preferred plan.

Despite HTH’s high trip interruption coverage limits and available CFAR coverage, it does not offer coverage for hurricane and weather delays, whereas other companies we’ve reviewed do. In addition, the company does not offer some coverage add-ons in select states. We encourage you to consider your unique concerns and needs as a traveler before choosing a policy.

Frequently Asked Questions About HTH Worldwide Travel Insurance

Does hth worldwide cover pre-existing conditions.

HTH covers pre-existing conditions under certain circumstances. Pre-existing conditions are not covered on any TripProtector plan. However, HTH sells pre-existing condition exclusion waivers for customers buying Classic or Preferred plans. They must get the waiver within 14 days of the initial trip payment.

Does HTH sell multi-trip policies?

HTH does sell multi-trip plans, called Trekker Essential and Trekker Choice, but only for travel health insurance. The policies do not include cancellation or other trip protection benefits. The plans are through GeoBlue, the travel health insurance brand of Worldwide Insurance Services, which also owns HTH Worldwide.

Does HTH Worldwide sell any add-ons for its TripProtector plans?

Yes, HTH Worldwide sells add-ons for its TripProtector plans. In addition to the pre-existing condition waiver, TripProtector Preferred customers can purchase cancel for any reason (CFAR) coverage, which reimburses 75% of the cost of a single trip without requiring a reason for cancellation.

Can I purchase insurance after departing for my trip?

No, you cannot purchase insurance from HTH after departure. TripProtector policies must be sold in the U.S. If you have already left on your trip, you are unable to get coverage from HTH Worldwide. Some other insurers sell policies after departure, but they typically have a two or three-day waiting period before coverage begins.

Other Travel Insurance Providers to Consider

If you’re looking to compare travel insurance providers, check out our other guides to help you find the right coverage for your needs.

• Travelex travel insurance
• Nationwide travel insurance
• Tin Leg travel insurance
• WorldTrips travel insurance
• AIG Travel Guard travel insurance
• Seven Corners travel insurance
• Faye travel insurance

Methodology: Our System for Ranking the Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

HTH Worldwide Travel Insurance Review

Editor review of hth worldwide.

The Good:  HTH Worldwide offers a few package plans for single and multiple trips throughout a year. They’re known, however, for their high-quality travel medical plans for both U.S. and non U.S. citizens.

The Drawbacks:  Only one of the student plans covers U.S. students. Repatriation reimbursement across all HTH Worldwide plans is relatively low when compared to other companies. Coverage for pre-existing medical conditions in some plans is not available until after one full year of coverage. Benefits for claims resulting from downhill skiing and SCUBA diving are limited and there are no options for adventure sports coverage in any of the HTH Worldwide plans.

The Bottom Line:  A leading provider of international health insurance since 1997, HTH Worldwide has a good number of travel medical plans, including single-trip plans, annual plans, major medical plans, and plans for students. They also offer a few full-featured package plans. Many of their plans are available for senior travelers and non U.S. citizens.

About HTH Worldwide Travel Insurance

HTH Worldwide is a leader in providing international health coverage for travelers. Founded in 1997 as Highway to Health, Inc., HTH Worldwide has become one of the most trusted providers of international health insurance programs. HTH Worldwide provides a wide range of individual health insurance programs, all of which include their unique Global Health and Safety Service – a set of online tools for contacting local medical health professionals, receiving health and security news alerts, and more.

HTH Worldwide travel medical plans often cover travelers up to age 74 and 84. Their plans cover individuals and families, students traveling into and away from the U.S., global citizens and expatriates.

HTH Worldwide’s travel insurance package plans are typically full-featured plans, including trip cancellation, interruption, and travel delay protections as well as medical coverage, evacuation and repatriation coverage, baggage loss and delay coverage, and more. The only common feature they do not include in any plans is missed connection coverage.

Their website is easy to use and you can quickly find the plan you need using the top navigation. Information about each plan, including the ability to compare plans, is quick to find.

Optional Coverage Available in HTH Worldwide Plans

• If package plans are purchased before or within 24 hours of a traveler’s final trip payment, pre-existing medical conditions are automatically waived at no additional cost.
• Some plans offer optional prescription drug coverage.

Highlights of HTH Worldwide Travel Insurance

• Deductibles are waived or reduced by half for treatment by an HTH Worldwide provider or a Student Health Services Center.
• All plans – travel medical and package plans – include some emergency dental care coverage and prescription care coverage.
• Some package plans include an additional $25 reimbursement to expedite the return of lost luggage when it’s found.

HTH Worldwide Travel Insurance plans

Package plans.

TripProtect e-Saver Affordable protection focused solely on cancellation and air flight accident benefits This highly focused plan does not require travelers to have a health plan, and it provides trip cancellation, air flight accident, and some lost baggage benefits. It does not include many benefits typically found in a package plan, so it’s not for every traveler – only those concerned primarily about their vacation investment and having AD&D for flight accidents.

TripProtector – most popular plan Excellent all-around traveler protection with high medical and evacuation limits Coverage for U.S. residents with a primary health insurance plan who are under age 85 and traveling more than 100 miles from home. This plan covers 100% of medical, surgical, and prescription costs and includes high evacuation limits. Ideal coverage for U.S. travelers – even senior travelers – who care about their travel investment and want to protect themselves from unexpected financial losses due to emergency medical care.

TripProtector Preferred A plan for those up to age 85 with high medical limits and excellent identity theft protection Excellent, high-limit coverage for U.S. residents with a primary health insurance plan, under age 85, and traveling more than 100 miles from home. Includes $20,000 in detection and recovery reimbursement for identity theft. Ideal for travelers who want the maximum protections against unexpected financial losses due to emergency medical care, medical evacuations, and identity theft.

Travel Medical Plans

TravelGap Excursion – most popular single-trip plan Single-trip health and accident insurance with your choice of medical limits and deductibles Covering 100% of medical expenses after the deductible and up to your choice of plan limit, this single-trip travel medical plan does require a traveler to have a primary health plan. Comprehensive travel medical coverage for single trips by U.S. citizens traveling abroad with some package benefits, including minimal trip interruption, lost travel documents, and lost luggage protection.

TravelGap Voyager Single-trip travel medical for trips up to six months for travelers age 74 and younger Covering 100% of medical costs after your deductible and up to your choice of plan limit, this travel medical plan does not require a primary health plan. Comprehensive medical coverage for single trips up to six months for U.S. travelers leaving their home country.

TravelGap Multi-trip A multi-trip travel medical plan offered at two plan levels for U.S. travelers up to age 84 Offered at two plan levels, this plan covers 100% of a traveler’s medical costs – emergency and non emergency – outside the traveler’s home country for all trips of 70 days or less throughout a 12-month period. This plan includes coverage for pre-existing medical conditions. It’s designed for travelers who have primary health insurance.

Global Citizen – most popular annual plan Annual international major medical health coverage for world travelers Comprehensive annual major medical insurance for emergency medical and preventative medical care. Optional dental coverage and prescription drug coverage. Qualifies as a group employer-sponsored plan for employees of U.S. companies. Available to residents of the U.S. age 74 and younger. Includes global travel benefits such as evacuation, repatriation, and AD&D.

Global Citizen EXP International major medical health coverage for U.S. travelers with a health insurance plan Annual worldwide health insurance for emergency medical and preventative medical care for individuals and families. Optional prescription drug benefits and global travel benefits such as evacuation, repatriation, and AD&D. Maternity care after a 12-month waiting period. Qualifies as a group employer-sponsored plan for employees of U.S. companies. Exclude coverage in the U.S. for greater premium savings.

Global Navigator Short-term medical insurance plan for those leaving their home country for at least three months Global health insurance for preventative and emergency medical care for individuals, their spouses, and dependents. Low deductibles, few pre-certification requirements, and access to one of the largest PPO provider networks in the world.

Global Student USA – most popular student plan Basic major medical for non U.S. students in the U.S. for educational or research purposes This major medical plan covers international students ages 14-65 who are in the U.S. for educational reasons. It offers good medical maximums and reasonable deductibles. Coverage for hospital room and board, physician office visits, intensive care, ground transportation and more are included. Global travel benefits include emergency medical evacuation, repatriation, and bedside visits if the insured is hospitalized.

Global Student USA Preferred Good major medical for non U.S. students in the U.S. for education or research purposes This plan provides major medical coverage for international students ages 14-65 who are in the U.S. for educational or research purposes. If offers good medical maximums and reasonable deductibles, including coverage for inpatient and outpatient treatment, intensive care, hospital room and board, ground transportation and more. Global travel medical benefits such as emergency medical evacuation is included at a high limit. Repatriation and bedside visits are also included.

U.S. Student Abroad Essential major medical coverage for U.S. students outside their home country This is HTH Worldwide’s coverage for U.S. students on international educational trips. Provides essential major medical coverage up to $100,000 and includes coverage for medical and surgical care, hospital room and board, ground transportation, intensive care, and more. Global travel medical benefits include emergency medical evacuation, repatriation, and bedside visits. Includes AD&D for additional protection.

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• Best Travel Insurance Companies

12 Best Travel Insurance Companies Of June 2024

Expert Reviewed

Updated: Jun 28, 2024, 7:41am

The best travel insurance companies are PrimeCover, Travel Insured International and WorldTrips, based on our analysis of 42 policies. We evaluated costs and a variety of coverage features to find the best options. See all our top picks.

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• Best Travel Medical Insurance
• Best “Cancel For Any Reason” Travel Insurance
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• Best Senior Travel Insurance

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• PrimeCover – Best for Evacuation
• Travel Insured International – Best for Non-Medical Evacuation
• WorldTrips – Great for Add-On Coverage
• TravelSafe – Best for Missed Connections
• Nationwide – Best for Policy Perks
• AIG – Best for Customization
• Seven Corners – Great for Medical & Evacuation
• AXA Assistance USA – Best for Baggage
• Generali Global Assistance – Great for Pre-Existing Medical Condition Coverage
• Travelex – Best for Families
• HTH Worldwide Travel Insurance – Best for Trip Interruption
• Nationwide – Great for Cruise Itinerary Change/Inconvenience

How We Chose the Best Travel Insurance

We assessed cost, travel medical and evacuation limits, baggage and trip delay benefits, the availability of cancellation and interruption upgrades, and more. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology for the ratings below.

• 42 travel insurance policies evaluated
• 1,596 coverage details analyzed
• 102 years of insurance experience on the editorial team

BEST FOR EVACUATION

Top-scoring plan

Average cost

Medical & evacuation limits per person

$250,000/$1 million

We recommend the Luxe policy because it has superior benefit limits for nearly all core coverage types. We were especially impressed with its generous evacuation coverage, short waiting periods for delays and wide range of optional benefits.

• Provides “hospital of choice” in its medical evacuation coverage, meaning you choose the medical facility rather than being transported to the nearest adequate treatment center.
• Non-medical evacuation benefits of $100,000.
• Superior trip interruption reimbursement of 200%, which is twice as much as many competitors.
• You can buy a “cancel for any reason” upgrade within 21 days of your initial trip deposit, compared to 15 days for many other top-rated companies.

More:  PrimeCover Travel Insurance Review

• Medical expense coverage of $250,000 per person is great, but some competitors provide $500,000.

Here’s a look at whether top coverage types are included in the Luxe policy.

Also included:

• Change benefits of $300 for changing original travel arrangements, such as transferring airlines.
• Itinerary change benefits of $500.
• Lost golf fee benefits of $500 and lost ski/snowboard fee benefits of $150.
• Rental property damage liability benefits of $1,500.
• Search and rescue benefits of $5,000.
• Sports equipment rental coverage of $1,000.
• Travel inconvenience coverage of $100 each for closed attractions and flight diversions.

Optional add-on coverage includes:

• AD&D flight-only choices of $100,000, $250,000 and $500,000.
• “Cancel for any reason” upgrade.
• Increased trip delay coverage choices of $4,000 or $7,000.
• “Interruption for any reason” upgrade.
• Rental car damage coverage of $50,000.

BEST FOR NON-MEDICAL EVACUATION

Travel insured international.

Worldwide Trip Protector

Average price

$100,000/$1 million

We recommend Travel Insured’s Worldwide Trip Protector policy because it offers robust benefits at the lowest average price among top-rated plans we analyzed. We also like its superior non-medical evacuation coverage.

• “Cancel for any reason” and “interruption for any reason” upgrades available.
• Top-notch non-medical evacuation benefits of $150,000 per person.
• Good travel delay and baggage delay benefits kick in after just a 3-hour delay.

More: Travel Insured International Travel Insurance Review

I have been working with Travel Insured for over 15 years, and have been using them almost exclusively. Typically, they have been quite responsive and pay their claims in a timely fashion.

– Stephanie Goldberg-Glazer, chief experience officer of Live Well, Travel Often

• Medical coverage of $100,000 per person is on the low side compared to top competitors but might be enough for your needs.
• Missed connection benefits of $500 are low compared to top-rated competitors and for cruise and tours only.

Here’s a look at whether top coverage types are included in the Worldwide Trip Protector policy.

• Pet kennel benefits of up to $500 are included if you return home three hours or more later than your planned return date.

Optional add-ons offered:

• Rental car damage and theft coverage of up to $50,000.
• Event ticket protection pays up to $1,000 if you can’t attend for a reason covered by the policy.
• Travel inconvenience coverage allows you to recoup money for unforeseen circumstances, such as closed beaches and attractions, rainy weather, tarmac delays and more.
• Bed rest benefits pay up to $4,000 if a doctor requires you to stay on bed rest for at least 48 hours during your trip.

GREAT FOR ADD-ON COVERAGE

Atlas Journey Premier

$150,000/$1 million

We like the Atlas Journey Premier plan for its wide choice of add-ons. These add-ons provide extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment and more. We also like that this plan has a low average cost compared to competitors.

• Very good travel delay benefits of $2,000 per person after only 5 hours.
• Very good missed connection coverage of $2,000 per person after 3 hours.

Another option is the Atlas Journey Preferred plan, but this policy doesn’t offer the “interruption for any reason” upgrade and has lower travel medical benefits of $100,000 per person. Still, it hits all the marks for great benefits at a low price. It also offers lots of choices for add-on coverage.

More: WorldTrips Travel Insurance Review

WorldTrips offers a streamlined process for purchasing insurance online and filing claims. A user-friendly interface and efficient claims handling contribute to a positive customer experience and increased satisfaction.

– Joe Cronin , advisory board member

• Medical coverage limits of $150,000 aren’t as high compared to some top-rated competitors but you might find it’s sufficient.
• Baggage delay benefits have a 12-hour waiting period.

Here’s a look at whether top coverage types are included in the Atlas Journey Premier policy.

• Travel inconvenience benefits of $750 if your arrival home is delayed due to a transportation delay and you can’t work for at least two days, your flight lands at a different airport than scheduled, your passport is stolen and can’t be reissued, and more.
• “Cancel for any reason” and “interruption for any reason” coverage.
• Destination wedding coverage in case the wedding is canceled.
• Baggage insurance upgrade to $4,000 per person.
• Rental car theft and damage coverage of $50,000.
• Political or security evacuation benefits of $150,000 per person.
• Vacation rental accommodations coverage of $500 if unclean or overbooked.
• Adventure sports add-on to extend coverage to safaris, bungee jumping and more.
• Hunting and fishing coverage for equipment and cancellation due to government restrictions.
• School activities coverage if trip has to be canceled due a test, sporting event, etc.

BEST FOR MISSED CONNECTIONS

Classic Plus Plan

TravelSafe’s Classic Plus plan stood out in our analysis for its superior missed connection benefits of $2,500. We also like the Classic Plus plan’s top-notch medical evacuation coverage of $1 million.

• “Cancel for any reason” upgrade available.
• Superior baggage loss coverage limits of $2,500.
• Great travel delay limits of $2,000 per person after a 6-hour delay.

More: TravelSafe Travel Insurance Review

TravelSafe packs essential coverage into budget-friendly rates without skimping on key benefits, and its responsive claims handling preserves peace of mind.

– Timon van Basten, tour guide and founder of Travel Spain 24

• $100,000 in medical benefits is on the low side compared to top competitors but might be sufficient for your needs.
• Baggage delay coverage is a little skimpy at $250 per person after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Classic Plus policy.

• Itinerary change coverage of $250 per person if your travel supplier makes a change that forces you to lose non-refundable costs for missed activities.
• Reimburses $300 for fees if you have to redeposit frequent traveler awards for reasons covered by your trip cancellation insurance.
• Pet kennel coverage of $100 a day if your return home is delayed by 24 hours or more due to a reason covered in your policy.
• “Cancel for any reason” coverage of 75% of lost trip costs.
• Accidental death and dismemberment for flights, up to $500,000 per person.
• Rental car damage and theft up to $35,000.
• Business equipment and sports equipment coverage of $1,000 if lost, stolen or damaged.

BEST FOR POLICY PERKS

Cruise Luxury

Nationwide’s Cruise Luxury plan is one of our favorites because it has a treasure trove of benefits such as “interruption for any reason” and “cancel for work reasons” coverage. You can upgrade to “cancel for any reason” coverage. Some competitors offer none or one of those options. We also like its excellent missed connection benefit of $2,500 per person.

Note that you do not have to be going on a cruise to take advantage of this policy’s coverage.

• “Interruption for any reason” benefit of $1,000 per person is included.
• Includes $25,000 per person in non-medical evacuation benefits for problems such as a natural disaster or security or political problem.
• Good travel delay benefits of $1,000 per person.

More: Nationwide Travel Insurance Review

Count me in as a believer in Nationwide’s trusted track record in insurance. Their travel policies check all the boxes, especially for cruises. My only gripe is that some of their medical limits seem lower than other guys. But the rates are easy on the wallet.

– Tim Schmidt, travel expert, entrepreneur, published travel author and founder of All World

• Medical coverage of $150,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to some competitor policies with only a 12-hour delay requirement.

Here’s a look at whether top coverage types are included in the Cruise Luxury policy.

• Inconvenience benefit of $250 per person if your cruise ship’s arrival at the next port of call is delayed for two or more hours due to mechanical breakdown or fire.
• “Interruption for any reason” up to $1,000.
• Coverage for extension of the school year, terrorism in an itinerary city, work-related emergency issues.
• Coverage if the CDC issues a health warning at your destination.

Optional add-on offered:

• “Cancel for any reason” upgrade that provides 75% reimbursement of insured trip cost if you cancel two or more days prior to your departure for a reason not listed in the base policy.

BEST FOR CUSTOMIZATION

Travel Guard Deluxe

The Travel Guard Deluxe plan impressed us with its optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades. These add-ons allow you to customize the policy to your needs. We also like that the policy includes benefits if, under certain conditions, you must start your trip earlier than planned—a feature not found in all policies.

• Offers upgrades to meet the needs and budgets of many kinds of travelers.
• Includes $100,000 per person for security evacuation and superior medical evacuation coverage of $1 million per person.
• Provides up to $750 per person for “travel inconveniences” such as a flight delay to your return destination, runway delays and cruise diversions.
• Has good travel delay coverage of $1,000 per person, with a short waiting period of 5 hours.

More: AIG Travel Insurance Review

AIG’s TravelGuard offers an easy-to-use online platform for purchasing insurance and filing claims. A streamlined process minimizes hassle for customers, making it convenient to obtain coverage and receive reimbursement for eligible expenses.

• The Travel Guard Deluxe policy has robust coverage across the board but also a high average cost ($539) compared to other top-rated policies.
• Medical expense coverage of $100,000 per person is on the low side but might be adequate for your needs.

Here’s a look at whether top coverage types are included in the Travel Guard Deluxe policy.

• Travel inconvenience benefits of $750 total ($250 per problem) if you encounter issues such as closed attractions, cruise diversion, hotel infestation, hotel construction and more.
• Trip exchange benefits of 50% of your trip cost that pay the difference in price between your original reservation and the new one.
• Ancillary evacuation benefits up to $5,000 for expenses related to return of children, bedside visits, baggage return and more.
• Flight accidental death and dismemberment coverage of $100,000 per person.
• Rental vehicle damage coverage.
• “Name Your Family” upgrade allows you to add a person to your policy who will qualify for family member-related unforeseen events that can apply to claims for trip cancellation and interruption.
• Adventure Sports Bundle for adventure and extreme activities.
• Pet Bundle for boarding and medical expenses for illness or injury of dog or cat while traveling. Includes trip cancellation or trip interruption if your pet is in critical condition or dies within seven days before your departure.
• Wedding Bundle to cover trip cancellation due to wedding cancellation. Sorry cold-feeters: Coverage does not apply if you are the bride or groom.

The Travel Guard Preferred plan also earned 4.3 stars in our analysis. We recommend this policy if you’re looking for a lower price and don’t need the higher coverage amounts provided by the Deluxe plan. The Preferred plan provides $50,000 for medical expenses and $500,000 for medical evacuation benefits per person.

GREAT FOR MEDICAL & EVACUATION COVERAGE

Seven corners.

Trip Protection Choice

$500,000/$1 million

We like Seven Corners’ Trip Protection Choice plan because it has superior travel medical expenses and evacuation benefits. It also provides great upgrade options and benefits across the board.

• “Cancel for any reason” and “interruption for any reason” upgrade available.
• Very good travel delay coverage of $2,000 per person.
• Includes $20,000 for non-medical evacuation

More: Seven Corners Travel Insurance Review

With over two decades of experience in the insurance industry, Seven Corners has built a reputation for reliability and customer service. Their track record of handling claims efficiently and providing support to customers in need adds to their credibility. Their Choice plan offers primary coverage, meaning they will pay all claims as if they are the primary insurer, so your claims will be processed faster.

• Hurricane and weather coverage has a 48-hour delay, compared to some competitors that require only 12-hour delays.
• Average cost ($527) is only so-so compared to other top-rated policies we evaluated.

Here’s a look at whether top coverage types are included in the Trip Protection Choice policy.

• Accidental death and dismemberment coverage of $40,000 per person for qualifying common carrier events
• Change fee compensation of $300 per person if you have to change your flight or original travel arrangements due to qualifying events.
• Pet kennel benefits of $500 if your return home is delayed by six hours or more due to qualifying missed connection, interruption or delay problems.
• Frequent traveler coverage of $500 to pay for the cost to redeposit awards due to a trip cancellation caused by a reason listed in your policy.
• “Cancel for any reason” coverage.
• “Interruption for any reason” coverage.
• Rental car damage coverage of $35,000.
• Sports & golf equipment rental coverage up to $5,000.
• Event ticket fee registration coverage of $15,000 if you can’t attend an event due to unforeseen reasons listed in trip cancellation and interruption coverage.

BEST FOR BAGGAGE

Axa assistance usa.

Platinum Plan

AXA’s Platinum plan is among our favorites because it hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including excellent baggage benefits of $3,000 per person. Excellent medical and non-medical evacuation benefits are another reason we like the Platinum plan.

• Generous medical and evacuation limits, plus $100,000 per person in non-medical evacuation—among the highest for plans we analyzed.
• Coverage for lost ski days, lost golf rounds and sports equipment rental.

More: AXA Assistance USA Travel Insurance Review

AXA Assistance USA impresses with its strong global reach and access to an extensive network of medical providers. This is particularly valuable in travel insurance, where emergencies can occur in any part of the world. Their attention to detail in crafting policies that include benefits for trip cancellations and interruptions adds a layer of security that reaffirms their strengths in protecting travelers against a wide array of potential issues.

– John Crist, founder of Prestizia Insurance

• Travel delay and baggage coverage kicks in only after a 12-hour delay.
• The average cost for the Platinum plan is only so-so compared to other top-rated plans, although you do get robust coverage for the money.

Here’s a look at whether top coverage types are included in the Platinum policy.

• “Cancel for any reason” coverage
• Lost ski days
• Lost golf rounds

GREAT FOR PRE-EXISTING MEDICAL CONDITION COVERAGE

Generali global assistance.

Generali’s Premium policy stood out in our analysis for its generous window for pre-existing condition coverage. Travelers with pre-existing conditions can get coverage as long as you buy a Premium policy up to or within 24 hours of your final trip deposit. Competitors often have a deadline of 10 to 20 days after making your first trip deposit .

We also like the policy’s excellent trip interruption insurance and superior medical evacuation benefits of $1 million per person.

• Excellent trip interruption coverage of up to 175% of your trip costs.
• Very good baggage loss coverage at $2,000 per person.

More: Generali Global Assistance Travel Insurance Review

Generali Global Assistance excels in providing user-friendly services and efficient claims processing, which enhances customer experience significantly. Their policies are particularly valuable due to the inclusion of concierge services, which can be a lifesaver during unforeseen travel disruptions.

– Pradeep Guragain, co-founder of Magical Nepal

• If you want “cancel for any reason” coverage you must buy it within 24 hours of making your initial trip deposit, compared to 10 to 20 days from top competitors.
• This plan’s “cancel for any reason” coverage will reimburse you for only 60% of lost trip costs; most competitors provide 75%.
• Baggage delay benefits kick in only after a 12-hour delay.

Here’s a look at whether top coverage types are included in the Premium policy.

• Rental car coverage for theft and damage of $25,000.
• Sporting equipment coverage of $2,000.
• Sporting equipment delay coverage of $500.
• “Cancel for any reason” upgrade that reimburses you 60% of your insured trip cost if you cancel at least 48 hours prior to your scheduled departure.

BEST FOR FAMILIES

Travelex insurance services.

Travel Select

$50,000/$500,000

We recommend Travelex’s Travel Select plan for families because it provides coverage for children at no extra cost (when accompanied by an adult covered by the policy). Its average price is also among the lowest among the companies we evaluated, making it an option to take a look at

• Very good travel delay coverage of $2,000 per person after a 5-hour delay.

More: Travelex Travel Insurance Review

Travelex is a go-to for many of our clients due to its straightforward coverage options and ease of use. The company excels in offering plans that are simple to understand, which is great for first-time buyers of travel insurance. However, their basic plans might lack the depth of coverage seen with more premium offerings.

– Jim Campbell, independent travel agent and founder of Honeymoons.com

• Medical coverage of $50,000 per person is on the low side, but you can buy an upgrade to double it.
• Baggage delay coverage requires a 12-hour delay and has a low $200 per person limit.
• Missed connection benefits of $750 per person are lower than many other competitors.

Here’s a look at whether top coverage types are included in the Travel Select policy.

• Sporting and golf equipment delay benefits of $200 after 24 hours or more.

Optional add-ons & upgrades offered:

• Medical coverage upgrade to $100,000 per person.
• Medical evacuation upgrade to $1 million per person.
• “Cancel for any reason” coverage of 75% (up to max of $7,500).
• Accidental death and dismemberment coverage of $200,000 per person for flights.
• Financial default coverage if your travel supplier goes out of business that provides 100% reimbursement of your insured trip cost.
• Car rental collision coverage of $35,000.
• Adventure sports upgrade to cover activities that would otherwise be excluded.

BEST FOR TRIP INTERRUPTION

Hth worldwide.

TripProtector Preferred Plan

We were impressed by TripProtector Preferred’s superior trip interruption benefits—200% of the trip cost. Most competitors provide 150%. Luxury-level benefits are another reason we recommend the TripProtector Preferred plan.

• Top-notch coverage limits for medical expenses and evacuation.
• Coverage for adventure sports—such as zip-lining, snowmobiling, whitewater rafting, and more—are included.
• Very good travel delay coverage of $2,000 per person after a 6-hour delay.

More: HTH Worldwide Travel Insurance Review

My experience with HTH Worldwide Travel Insurance has been positive. While their policies may come at a slightly higher cost, the peace of mind and level of coverage they offer make it worth considering for travelers seeking comprehensive protection. HTH Worldwide stands out for its extensive coverage of medical emergencies, which is essential for international travel. Their policies are flexible, allowing travelers to customize coverage based on their specific requirements, and their worldwide assistance services ensure travelers have access to support wherever they are in the world.

– Kevin Mercier, travel expert and founder of Kevmrc.com

• Higher average price ($602) compared to most companies we evaluated, but you’re buying robust benefits.
• Baggage delay coverage requires a 12-hour delay.

Here’s a look at whether top coverage types are included in the TripProtector Preferred policy.

• Pet medical expense coverage of $250 if your dog or cat traveling with you gets injured or sick during your trip.
• Rental car coverage of $35,000 for damage and theft.
• “Cancel for any reason” upgrade available that provides 75% reimbursement of trip costs if you cancel at least two days prior to your scheduled departure.

GREAT FOR CRUISE ITINERARY CHANGE/INCONVENIENCE

Cruise Choice

$100,000/$500,000

The Cruise Choice plan gets our attention for its compensation if you miss activities because your cruise ship changes its itinerary and for the inconvenience of delays to the next port of call. The Cruise Choice plan’s competitive price is another reason we recommend taking a look.

• Includes ”interruption for any reason” coverage of $500 if you buy policy within 14 days of trip deposit.
• Includes $25,000 per person in non-medical evacuation benefits.
• Provides benefits if your cruise ship has a fire or mechanical breakdown that delays arrival at the next port of call for two or more hours.

Nationwide stands out primarily for its versatility in coverage options catering to diverse travel needs—a vital advantage often overlooked by travelers until they face a mishap. They have built a robust system for handling claims efficiently, which I find crucial for travel insurance, where timely support can dramatically impact the customer experience.

• Medical coverage of $100,000 per person is lower than most other top-rated plans but might be sufficient for your needs.
• 24-hour delay required for hurricane and weather coverage, compared to many competitors with shorter required times.
• “Cancel for any reason” coverage not available.

Here’s a look at whether top coverage types are included in the Cruise Choice policy.

• Shipboard service disruption of $200 per person if your cruise ship has a fire or mechanical breakdown that delays the next port of call for 2 or more hours or changes the scheduled itinerary.
• Coverage for an extended school year, terrorism in an itinerary city and work-related emergency issues.

Comparing travel insurance policies can save you money, as well as ensure you have the types and amount of coverage you need. Here are key considerations for choosing the best travel insurance policy to match your needs.

Buy Travel Medical Insurance for International Trips

If you’re traveling outside of the U.S., make sure you buy a policy with ample travel medical and emergency medical evacuation insurance. It’s important because you may have little to no coverage under your U.S. health plan. Look for a policy where the medical insurance is primary, meaning the policy will pay out first, before any other health insurance you have.

Review Travel and Baggage Delay, Missed Connection Benefits

If you’re flying to your destination, your itinerary could be derailed by weather, airplane mechanical issues or missed connections. If you’re worried about paying extra money due to a delay or missed connections, look for a policy that has a generous amount of travel and baggage delay coverage and missed connection insurance. You’ll also want to find a policy with a short waiting period for delays, such as six hours.

Decide How Much Flexibility You Want

If you have a lot of non-refundable expenses and can’t afford to lose your trip investment, consider buying a “cancel for any reason” travel insurance upgrade. You never know what life will bring, and unfortunately it might bring a reason to cancel a trip that’s not covered by the base policy. Having CFAR coverage ensures you can get partial reimbursement for any oddball problems that crop up.

Review the Fine Print

Most travel insurance companies provide sample policies online at their websites. It’s prudent to read through them so you’re familiar with exclusions and aware of what is and isn’t covered. For example, if you plan to participate in extreme sports or adventure excursions, consider buying a policy that specifically covers these activities, as they’re often excluded.

Compare Travel Insurance Policies

Travel insurance policies often include most of the same benefits, but the cost and coverage amounts can vary significantly by policy. For example, if you need generous travel medical insurance, you can find policies with coverage of $500,000 per person. But if you don’t need that much, you can find policies that provide much lower amounts.

Purchase a Policy When You Book Your Trip

It’s wise to buy travel insurance as soon as you book your trip. That way, you get the maximum length of coverage for trip cancellation benefits. Buying a policy shortly after you make your first deposit also makes you eligible to buy upgrades, such as “cancel for any reason” coverage, and to get other time-sensitive benefits, such as a pre-existing medical condition exclusion waiver.

Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellation or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs. The core types of travel insurance include the following:

Trip Cancellation Insurance

Trip cancellation insurance  reimburses you 100% for money you lose in prepaid, non-refundable deposits if you have to cancel for a reason listed in the policy. Common reasons include unexpected illness, injury and family member sickness. This is different from the “cancel for any reason” travel insurance upgrade.

Travel Medical Insurance

Travel medical insurance pays for ambulance service, X-rays, lab work, medicine, doctor and hospital bills, and other medical expenses during your trip, up to policy limits. Accidents and health issues can arise unexpectedly, so this is important coverage for travelers going abroad, where your U.S. health plan may have limited global coverage or no coverage.

Case Study: Food Poisoning in London

I was excited to try a highly regarded restaurant while visiting London, but shortly after lunch, I experienced severe nausea and symptoms suggesting food poisoning. It got worse so quickly that I had to rush to the emergency room for medicine and IV fluids. Thankfully, my travel insurance came through. It covered 100% of the $822 in hospital charges and medication costs. The claim process was surprisingly smooth—I just submitted my records and receipts online. This experience made me realize just how essential travel insurance is!

– Katy D., New York

Emergency Medical Evacuation Insurance

Emergency medical evacuation insurance pays up to the policy limits to get you to the nearest adequate medical facility. This can especially come in handy if you are in a remote location and need emergency transportation for medical care.

Travel Delay Insurance

Travel delay insurance compensates you for expenses for things like meals and lodging if you’re stuck somewhere due to a delay that’s covered by your travel insurance plan. Specified waiting period before benefits apply—for example, six or 12 hours—and also a per-day maximum limit and a total maximum per person.

Trip Interruption Insurance

If you have to cut your trip short because of a reason listed in the policy, trip interruption insurance reimburses you for the non-refundable parts of your trip that you miss. It can also pay for a last-minute one-way ticket home if you have an emergency.

Baggage Insurance

Baggage insurance reimburses you for lost, stolen or damaged belongings.  But note that reimbursement is for the depreciated value of your items, not the cost to buy new ones.

And baggage delay insurance lets you recoup expenses for necessities, such as clothes and toiletries, while you wait for your luggage. Policies usually require a certain time delay before baggage delay coverage kicks in, such as six hours.

“Cancel For Any Reason” Travel Insurance

“Cancel for any reason” (CFAR) travel insurance is optional coverage that allows you to cancel your trip for any reason that’s not listed in your base policy and be partially reimbursed for non-refundable trip costs.

You generally must cancel at least 48 hours before your departure time. Reimbursement under a CFAR claim is usually 75% or 50% of your trip costs. CFAR adds an average of about 50% to an insurance plan’s cost, but might be worth it if you want the most flexibility for trip cancellation.

“Interruption For Any Reason” Travel Insurance

“Interruption for any reason” (IFAR) travel insurance is an optional upgrade that permits you to cut short a trip for any reason and get up to 75%  reimbursement for the non-refundable money you lose. You usually must be at least 48 hours into your trip to file a claim. It typically adds 3% to 10% to your travel insurance cost.

Accidental Death and Dismemberment Insurance

Accidental death and dismemberment (AD&D) insurance is included in some policies. If an accident that’s covered by the policy kills or dismembers the policyholder during the trip, travel accident insurance pays out the specified amount.

It usually pays out a percentage of the maximum benefit, depending on the loss.

The average cost of travel insurance is 6% of your trip cost , based on our analysis. The cost of travel insurance is usually mainly based on the age of travelers and the trip cost being insured.

Here’s a look at the average travel insurance cost for a 30-year-old woman traveling from California to Mexico for a 14-day trip.

What Affects Travel Insurance Costs?

Unlike many other types of insurance, there are usually only a few factors that go into travel insurance pricing.

Trip Cost Being Insured

The more trip costs you insure, the higher your travel insurance cost. Your trip cost includes any prepaid, non-refundable expenses, such as airfare, hotel accommodations, tours, event tickets, excursions and theme park passes.

The traveler’s age is also taken into account in travel insurance pricing. That’s because older travelers tend to have a higher likelihood of filing medical claims.

The more protection you buy, the more you’ll pay. For instance, if you opt for a “cancel for any reason” upgrade and generous travel medical expense coverage, you’ll pay more.

Ask The Expert

We Answer Your Questions

Insurance Lead Editor

Michelle Megna

Les Masterson

Insurance Editor

Why do most travel insurance companies not include England as a choice for a quote?

– Susan G., Van Nuys, California

Many travel insurance companies do not list England as a destination choice in their online quote systems because they instead list the United Kingdom. That means you’ll have to scroll down the list of destinations to “United Kingdom” or type it into the search field.

Do I still need travel insurance if my airline is required to refund canceled flights?

– Anna P., Austin, Texas

Travel insurance still makes sense if you have a lot of non-refundable trip costs, such as excursions, accommodations and tours. It’s especially beneficial if you’re traveling internationally. It can help pay for medical expenses and evacuation if you get sick or injured during your trip.

Why do travel insurance companies need my state of residence when I get a quote?

– John T., Lewiston, Maine

Travel insurance regulations and laws vary by state, so insurers use that information to ensure the policy you buy is the one that’s approved in your state.

You likely don’t need travel insurance if:

• Your airfare and hotel costs are refundable.
• You can afford to lose the money you spent on non-refundable trip costs.
• You’re not traveling internationally.
• You’re not traveling to a remote area with limited healthcare facilities.
• Your destination is not prone to hurricanes and severe weather.
• You have a direct flight.
• You’re not worried about losing your trip investment if you need to cancel or cut a trip short.
• Your credit card travel insurance provides adequate coverage for your trip.

A new rule going into effect in October 2024 requires airlines to provide automatic cash refunds to passengers when their domestic flights are canceled or delayed by three or more hours. Given this, I think you may want to skip travel insurance if you have a direct flight within the U.S. and you don’t have large prepaid deposits on accommodations and tours.

– Michelle Megna, Lead Editor

You can buy travel insurance from a travel agent, website or a travel supplier like an airline or cruise company. We’ve bought travel insurance online and it’s relatively easy. In our experience, you can purchase a policy online within a few minutes.

• Begin shopping for a policy right after you make your first trip deposit. It’s wise to buy travel insurance right after you make your first trip deposit. That way, you get the maximum length of time for cancellation coverage. Plus, you’ll qualify for time-sensitive benefits, such as CFAR and pre-existing medical condition exclusion waivers .
• Start by estimating your non-refundable trip cost. If you’re unsure of your trip cost, estimate the amount and then update it later with the travel insurance company, as long as it’s before your departure date.
• Get quotes online or through a travel insurance agent. To get a quote, you typically need the travelers’ ages (or dates of birth), destination, travel dates, and the trip cost being insured.
• Assess policy options and prices. You’ll usually be presented with a selection of policies at different price points, with the more expensive ones usually providing higher coverage levels. Look at the coverage limits for each line item so you know what you’re buying. Once you select a policy, you can buy it online.
• Review the policy. You usually have two weeks or so to further review the policy. If you change your mind, you can get a refund, as long as it’s during the specified review period.

More than half of Americans plan to take a vacation trip before the end of September, according to a number of summer travel surveys. But potential complications like flight delays or car accidents could threaten that summer fun, and travel insurance might be a smart investment.

Forbes Advisor compared the 43 most populated cities with available data across 16 metrics to uncover the worst places to visit during the summer. We found that Jacksonville, Florida is the worst vacation spot for summer travel, while Minneapolis ranks as the best.

1. Jacksonville, Florida

Jacksonville’s score: 100 out of 100

• Scores lowest for walkability and third lowest for access to public transportation.
• Jacksonville International Airport has the second highest percentage of disrupted summer flights (28.9% on average).
• Sixth fewest parking lots and garages (1.49 per 100,000 residents).
• Eighth highest crime rate (63.99 crimes per 1,000 residents).
• Ranks eighth for fewest restaurants with four or more stars on Tripadvisor (728).

2. Colorado Springs, Colorado 

Colorado Springs’ score: 99.59 out of 100

• Colorado Springs Airport has the highest percentage of delayed, canceled or diverted flights (29.5% on average) and the fourth lowest percentage of fully reimbursed property loss and damage claims (13.6%) during the summer.
• Second worst transit score.
• Third-highest median cost of tours and activities ($152).
• Ranks fifth for fewest restaurants with four or more stars on Tripadvisor (626).

3. Fresno, California Fresno’s score: 78.54 out of 100

• Most expensive median cost for tours and activities ($279).
• Fewest tourist attractions with four or more stars on Tripadvisor (72).
• Fewest restaurants with four or more stars on Tripadvisor (518).
• Second fewest parking lots and garages (0.79 per 100,000 residents).
• Third-highest gasoline prices ($5.33 per gallon for regular).

4. Memphis, Tennessee  Memphis’ score: 78.37 out of 100

• Highest number of people involved in fatal crashes between June and August (17.84 per 100,000 residents).
• Highest crime rate (97.64 crimes per 1,000 residents).
• Second fewest restaurants with four or more stars on Tripadvisor (531).
• Fourth worst transit score and the sixth worst walk score.
• Memphis International Airport has the sixth highest percentage of disrupted summer flights (27.5%).

5. Albuquerque, New Mexico

Albuquerque’s score: 73.37 out of 100

• Third-highest average price for a two-person meal ($110).
• Third fewest parking lots and garages (1.08 per 100,000 residents).
• Fourth highest number of people involved in fatal crashes during the summer months (11.16 per 100,000 residents).
• Sixth fewest restaurants with four or more stars on Tripadvisor (688).
• 10th highest crime rate (62.76 per 1,000 residents).

Study Methodology

To determine which cities are the worst for summer travel, Forbes Advisor examined data for the 50 most populated cities (43 of which had available data) across three key categories: city experience, air travel experience and driving experience.

We considered 16 relevant metrics, which are listed below with their corresponding weights:

City Experience – Total Points: 50

• Crime rate: 8% of score. This metric reflects the number of violent and property crimes per 1,000 residents. Data comes from NeighborhoodScout, 2021.
• Median hotel price during the summer travel season: 7% of score. This metric reflects the median hotel price between June and August. Data comes from Expedia, 2024.
• Median cost of tours and activities: 6% of score. Data comes from Tripadvisor, 2024.
• Average price of a two-person meal: 6% of score. Data comes from Numbeo, 2024.
• Average number of extreme temperature days in June, July and August: 5% of score. This metric reflects the average number of days above 90 degrees in June, July and August. Data comes from The National Oceanic and Atmospheric Administration and is averaged from 1991–2020.
• Number of tourist attractions with four or more stars on Tripadvisor: 5% of score. Data comes from Tripadvisor, 2024.
• Number of restaurants with four or more stars on Tripadvisor: 5% of score. Data comes from Tripadvisor and was collected on February 27, 2024
• Walk Score: 4% of score. This metric reflects pedestrian friendliness. Data comes from WalkScore.com, 2021.
• Transit Score: 4% of score. This metric reflects access to public transit. Data comes from WalkScore.com, 2021.

Air Travel Experience – Total Points: 25

• Percentage of flights delayed, canceled or diverted: 9% of score. This metric reflects the total percentage of flights delayed, canceled or diverted in June, July and August between 2019 and 2023. Data comes from the Bureau of Transportation Statistics (BTS) TranStats database.
• Number of property loss and damage claims per 100,000 domestic passengers: 9% of score. This metric reflects the total number of property loss and damage claims submitted between 2013 and 2022 in June, July and August.
• Percentage of property loss and damage claims reimbursed in full: 7% of score. This metric reflects the percentage of property loss and damage claims submitted in June, July and August between 2013 and 2022 that were fully reimbursed.

Property loss and damage claims data comes from the Transportation Security Administration (TSA). All data reflects claims submitted for property loss or property damage that occurred during the TSA screening process at each airport.

For cities with two major airports, we used the total number of air travel disruptions at both airports. The number of domestic passengers comes from the BTS.

Driving Experience – Total Points: 25

• Number of people involved in fatal crashes between June and August per 100,000 residents: 10% of score. Data comes from the National Highway Traffic Safety Administration. For this metric, we took a five-year average, using data from 2017 to 2021. City population data comes from the U.S. Census Bureau, 2022.
• Average gas prices: 6% of score. This metric reflects the average price of regular gasoline. Data comes from AAA, and was collected on May 3rd, 2024.
• Number of parking lots and parking garages per 100,000 metro area residents: 5% of score. Data comes from the Census Bureau’s 2021 County Business Patterns Survey.
• Average speed in rush hour traffic: 4% of score. Data comes from the INRIX 2022 Global Traffic Scorecard.

We researched and analyzed 42 policies to find the best travel insurance. When companies had more than one highly rated travel insurance policy we used the highest-scoring plan. Ratings are based on the following metrics.

Cost (25% of score): We analyzed the average cost for each travel insurance policy for trips to popular destinations:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

Missed connection coverage (10% of score): Travel insurance policies were awarded more points if they include missed connection benefits of $1,000 per person or more.

Medical expenses (10% of score): Travel insurance policies with travel medical expense benefits of $250,000 and up per person were given the highest points.

Medical evacuation (10% of score): Travel insurance policies with medical evacuation expense benefits of $500,000 and up per person were given the highest points.

“Cancel for any reason” upgrade (10%): Travel insurance policies received points if “cancel for any reason” upgrades are offered. More points were awarded for “cancel for any reason” upgrades with reimbursement levels of 75%.

Baggage delay required waiting time (5%): Policies with baggage delay benefits kicking in at 12 hours or less were given points.

Cancel for work reasons (5%): Travel insurance plans that allow cancellations for work reasons were awarded points.

Hurricane and weather (5%): Policies received points if the required waiting period for hurricane and weather coverage was 12 hours or less.

“Interruption for any reason” upgrade (5%): Policies were awarded points if they offered an “interruption for any reason” upgrade.

Pre-existing medical condition exclusion waiver (5%): Points were given to policies that cover pre-existing medical conditions (if purchased within a required timeframe after the first trip deposit).

Travel delay required waiting time (5%): Policies with travel delay benefits kicking in after six hours or less were given points.

Trip interruption travel insurance (5%): Points were given if trip interruption reimbursement is 150% or higher.

Read more: How Forbes Advisor Rates Travel Insurance Companies

Editor’s note: While our parent company has an interest in PrimeCover, this review was subjected to our team’s standard rigorous editorial process, which remains independent of any influence from insurance companies, business relationships, affiliates or any other external parties.

While these policies were not among our winners, they may still be good options based on your travel needs. Many of these plans have lower coverage limits, which may be suitable depending on your trip.

What is travel insurance?

Travel insurance is a type of policy that reimburses you for money you lose from non-refundable deposits and payments when something goes wrong on your trip. These problems can range from lost baggage to flight delays to medical problems.

The more you’re spending on your trip, the more you likely need travel insurance. This is especially true for international trips and cruises, where travel problems become more expensive to solve.

What do I need for travel insurance?

The information you need to buy travel insurance includes the trip cost being insured, your age, your destination, length of trip and age. Buying travel insurance online is relatively easy. You don’t have to answer a lot of questions, and you can update your trip cost and itinerary later if plans change, as long as you do so before your departure.

Is there travel insurance for multiple trips?

While standard travel insurance plans are meant to cover one-time trips, frequent travelers should consider an annual travel insurance plan. These plans cover the same issues as a single-trip plan, such as trip cancellation and emergency medical situations. But they also offer the convenience of a one-time purchase for multiple trips.

What type of travel insurance do I need for my parents visiting me in the U.S.?

Travel insurance for parents visiting the U.S. is generally a travel medical insurance policy that helps pay medical costs if they get sick or injured during their visit. There are two main types of visitors medical insurance:

• Limited policies that have fixed benefits: These generally set a cap for what they’ll pay for each medical treatment that’s covered. You may need to pay a deductible for each medical illness or injury and then the policy will pay 100% after that, up to the cap. For example, coverage for an X-ray might be capped at $250.
• Comprehensive visitors insurance policies: These typically cost more but have more robust coverage and don’t put a cap on specific medical problems.

What’s not covered by travel insurance?

Problems not covered by travel insurance tend to be similar among policies. We recommend that you read a policy’s exclusions so you’re not caught by surprise later if you try to make a claim. Typical exclusions include:

• Injuries from high-risk activities such as scuba diving.
• Problems that happen because you were drunk or using drugs.
• Medical tourism, such as going abroad for a face lift or other elective procedure.
• Lost or stolen cash.

Next Up In Travel Insurance

• Best “Cancel For Any Reason” Travel Insurance Of June 2024
• Best Cruise Insurance Plans Of June 2024
• Best Covid-19 Travel Insurance Plans Of 2024
• Best Senior Travel Insurance Of 2024
• The 5 Cheapest Travel Insurance Companies Of June 2024
• Travel Insurance for Parents Visiting the U.S.

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Michelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine editor covering consumer technology, a foreign correspondent for Time and various newswires and local newspaper reporter.

Shayla Northcutt is the CEO and founder of Northcutt Travel Agency and a leading world travel expert. Her main expertise includes destination weddings, honeymoons, large group travel, family travel, world travel and travel insurance. Northcutt appears regularly on KHOU 11 and ABC 13 Eyewitness News, among other media outlets, providing guidance on travel insurance for consumers. Her first-hand knowledge of destinations and resorts makes her a leading travel professional. Northcutt is married to an amazing husband and is a mom to two boys, Cayman and Crockett. She found a passion in travel and exploration of all the things the world had to offer. Feeling such a strong connection to the travel industry, she decided to open Northcutt Travel Agency in 2017. Northcutt has visited different parts of Europe numerous times, and has visited over 350 resorts in Mexico and the Caribbean leading to detailed first-hand knowledge of the resorts. She has also sailed on multiple cruise lines, giving her experience with the cruise world as well. The other places Northcutt has visited, and now helps people plan, include Disney, Hawaii, Fiji, Australia, Thailand and all major cruise lines.

• Best overall
• Best for trip cancellation
• Best for medical-only coverage
• Best for families
• Best for value
• Best for reputation
• Why you should trust us

Best Cheap Travel Insurance of July 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Best Cheap Travel Insurance Plans of 2024 Summary

• Best overall: HTH Worldwide Travel Insurance
• Best for trip cancellation:  Aegis General Travel Insurance
• Best for medical-only coverage:  GeoBlue Travel Insurance
• Best for families:  C&F Travel Insured
• Best value: Nationwide Travel Insurance
• Best for reputation: Trawick International Travel Insurance

Top Cheap Travel Insurance Company Comparison

The best travel insurance meets your needs at a price you're willing to pay. Sometimes, you're just not willing to pay that much. The following companies offer decent coverage for low prices. To determine which companies made this list, we compared quotes across the travel insurance industry for the same trip, making a note of which companies offered particularly good coverage in certain areas and which companies were well reviewed.

Here are the best affordable travel insurance companies picked by Business Insider editors in 2024.

Best Affordable Travel Insurance Overall

Hth worldwide travel insurance.

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review .

Best Affordable Travel Insurance for Trip Cancellation

Aegis general travel insurance.

The Aegis Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our Aegis Travel Insurance review .

Best Affordable Travel Insurance for Medical Coverage

Geoblue travel insurance.

GeoBlue is a travel insurance provider that specializes in travel medical insurance. Because it doesn't offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums. A 30-year-old from California would pay as low as $20.55 for a policy that covers a two-week trip.  GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. Read our GeoBlue travel insurance review .

Best Affordable Travel Insurance for Families

C&f travel insured.

There's a lot to like about C&F Travel Insured. For one, it is one of the only travel insurance companies that offers CFAR coverage for annual travel insurance plans . Additionally, C&F is widely praised for its customer service, offering quick reimbursements for claims. Claims that don't reimburse within 30 days begin to accrue interest at 9% APY.

When it comes to affordability, C&F remains on the lower end of travel insurance costs. Policies for younger solo travelers are generally around 4% of total trip costs, which isn't bad considering average costs for travel insurance is around 4-8% of total trip costs. However, C&F excels at insuring families as children are heavily discounted with the Edge plan and completely free with the Protector plan. 

Read our C&F Travel Insured review .

Best Affordable Travel Insurance for Value

Nationwide travel insurance.

Nationwide is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review .

Best Affordable Travel Insurance for Reputation

Trawick international travel insurance.

The Trawick Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review .

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, dropping trip cancellation coverage and travel inconvenience coverage. It's a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel insurance aggregator SquareMouth .)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

Why You Should Trust Us: How We Reviewed Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The four winning plans cost between $29 to $74 — significantly below the average cost of comprehensive travel insurance , which can range between 4-8% of total travel expenses, according to the US Travel Insurance Association. But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or " cancel for any reason" (CFAR) protection . So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include travel medical insurance if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

Best Cheap Travel Insurance FAQs

You can reduce the cost of travel insurance by opting for simpler coverage with lower coverage limits. You may also consider companies that offer medical-only travel insurance policies. You can also consider annual travel insurance , which will save you money in the long run if you take multiple trips over one year.

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs. You can find our guide on the best international travel insurance here.

Travel insurance is relatively cheap because it only covers you for a set period of time and the level of coverage you get may not be particularly high. Your premiums will rise with higher coverage limits and add-ons like cancel for any reason coverage . Travel insurance for older travelers can also be quite expensive.

If you just want trip cancellation protection, go with the Aegis Trip Cancellation Plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan. Families should consider a C&F Travel Insured policy.

Unfortunately, many travel insurance companies that cover pre-existing conditions reserve coverage for its more expensive plans. That said, you'll find some providers that cover pre-existing conditions with their value plan, such as C&F Travel Insured and Berkshire Hathaway .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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