Trip Protection Plans… Are they for you?
All-inclusive international travel insurance for US residents that protects against financial loss due to trip cancellation or interruption
More and more Americans are traveling the globe for leisure, business, study and missionary travel. As international travel continues to grow, travelers seem to be faced with an ever-increasing number of health and safety concerns. Given the heightened risk, smart travelers are planning and preparing more than ever before.
There are many Americans who save for years in order to plan the trip of a lifetime. In order to secure their reservations in advance many will pre-pay a portion or all of their planned trip. If you are one who has planned a special trip and pre-paid part or all of the cost of your trip up front you may want to consider Trip Protection Insurance to protect your investment.
Trip protection plans are designed to safeguard you from the financial loss related to tour or airline cancellations, flight or baggage delays, or lost baggage. In addition, these plans include coverage for emergency medical and dental expenses, emergency medical evacuation costs and accidental death benefits.
This type of coverage is best for:
- Travelers who are primarily concerned with insuring the non-refundable deposits of their trip
- Travelers who want an all-inclusive trip and travel medical insurance plan
- Leisure travel cruises, student travel, adventure travel and international travel
- Students who are US-residents taking trips to study abroad and want a plan tailored to their needs
TripProtector from HTH Worldwide is a comprehensive plan that offers travel protection PLUS travel medical insurance. TripProtector includes medical protection, trip cancellation, trip interruption, baggage protection and more. TripProtector offers a complete set of services to help you identify, access and pay for healthcare in over 180 countries.
Why purchase TripProtector?
Your vacation may be at risk to illness, injury, terrorism, financial default by your tour or cruise operator, dangerous weather conditions and more. TripProtector covers certain non-refundable expenses should cover circumstances force you to cancel or interrupt your vacation.
During your trip you may need to see a doctor, have a prescription filled, receive care at a hospital, or deal with an unexpected medical emergency. TripProtector also provides sickness, accident and medical evacuation benefits.
Pre-existing Conditions for Travel Protection Benefits
The Pre-Existing Condition Exclusion is waived provided you meet all of the following requirements.
1. The payment for this plan is received prior to/or within 24 hours of your final payment for your Covered Trip; and
2. You are not disabled from travel at the time you make your plan payment; and
3. The booking for the Covered Trip must be the first and only booking for this travel period and destination.
Why Choose HTH Worldwide?
Strength of a U.S. Insurer – TravelGap;® Single Trip is insured by member companies of HM Insuarnce Group: HM Life Insurance Company and HM Life Insurance Company of New York are rated A-(Excellent) by AM Best Company. The Excellent ratings reflect the organization’s ability to meet the financial obligations of its policy holders.
Better Coverage – HTH Worldwide plans have met the standards of state regulators and feature coverage more generous than plans sold as “surplus coverage” by foreign, nonadmitted insurers. For example, the HTH Worldwide plans do not restrict illnesses or injuries resulting from a terrorist act. In addition, they do not impose precertification penalties for hospitalization. Lastly, HTH Worldwide provides coverage for preexisting conditions for medical evacuation. Preexisting conditions are also covered in other instances by selecting the Excursion plan.
Highest Standards of Service – HTH Worldwide is a leader in international health insurance and assistance. Every aspect of HTH insurance programs are designed to meet the highest expectation for quality and service.
Ten Day Free Look Period – If you are not completely satisfied with the HTH Trip Protector product, simply call HTH Worldwide within 10 days of receipt of your certificate and indicate your desire to cancel. If you have not already left on your trip, you will receive a full refund.
If you have questions give us a call (619-435-6700) or visit our website at www.IndividualHealth.com.