HTH Worldwide Trip Protector Classic

The HTH Worldwide Travel Insurance TripProtector Classic plan offers comprehensive travel protection, which includes trip cancellation and trip interruption coverage. Along with protecting the cost of your trip, this plan also offers coverage for baggage loss or delay and travel delay. If your bags are delayed for more than 12 hours, coverage is offered to help reimburse you for necessities you may need to purchase.

As for medical coverage, this plan offers high limits of coverage, and does not require you to have primary health insurance in force to be eligible for coverage. This plan also offers coverage for emergency medical evacuation while you are traveling. There are also Accidental Death & Dismemberment benefits for your beneficiaries.

The TripProtector Classic plan also provides you with a 24-hour emergency hotline that you can call for informational services, emergency assistance, concierge services and security profiles of your destination so that you can be well prepared wherever you may be traveling. This can highlight any travel alerts or medical warnings that may be occurring during your time of travel.

You will also have access to HTH's strong, global community of physicians, dentists, hospitals and other healthcare providers. Search online and choose the provider that best fits your needs. You can obtain provider profiles, which give you details about the doctor, their qualifications and specialty services that they provide. This service allows you to make an informed decision if you need to seek medical attention during your trip.

The plan also includes the Direct Billing program. If you choose a provider within the HTH network and inform them 24 hours or more prior to the appointment, (or use HTH representatives to make the appointment for you) they may pay for your medical care up front. This can help you avoid a claims process.