Travel Insurance Reviews for HTH Worldwide

Claim was rejected as a 4 1/2 hour delay ( Causing missing international connection) does not qualify
Must be at least a 6 hour delay I'm told!

They paid all hospital and ambulance expenses

It took 2.5 months for HTH/ Nationwide to completely process travel/quarantine claim for trip in February, 2023. It wasn’t until I filed a claim with Illinois Dept of Insurance and customer service at Insure My Trip that I finally got reimbursed claim settled.

Absolutely do not get this insurance. Our family got Covid on a trip to Ecuador. I called the HTH Worldwide Trip Protector customer service as soon as we got a positive home test to see what we needed to do. I was told that we did not need to get a test at a doctor's office or pharmacy to prove that we had Covid. I was told that because of the highly contagious nature of Covid, that no proof was necessary. Now HTH refuses to cover our claim and we are out almost $2,000.

It took a very long time for my claim to be process and there were no email updates about the claim. I had to call to check the status and there was never an email send asking for additional information. The representatives are not that friendly.

Had to cancel a trip to Canada at the last minute because of illness. My travel companion and I both had separate policies to cover our trip and we filed our claims together. It took about 5 - 6 weeks for our claims to be processed but we were advised in the interim that there would be a delay due to a high number of claims. All of our lost money was refunded in full by check - plus with interest. We were careful to follow instructions and provide all the requested information and nothing was questioned. We were 100% satisfied and would buy this plan again.

I had to cancel this trip as my husband passed away. Today I received my refund from HTH.

I was not told that my plan would not cover me if I did not make it to a port.

I visited a doctor in Japan and got medication. The entire cost of the visit was less than my premium. I filled out the claim form with all the requested information, which includes a form (in the same PDF) for authorizing communication via email (note: their only communication options are email and postal mail). Their initial response came 8 days later and was to send proof I was in Japan (and would be leaving) and that I did not fill out the electronic communication waiver (what?). I replied the same day with the waiver attached and flight details.

After that I didn't hear anything from them, not even a confirmation, until I asked about it 1 month from my initial claim. 5 days later I received in postal mail an EOB that said my claim was denied for lack of documentation. Then that same day or 1 days later, I received an email saying my claim was paid by check. I received the paper check 1 week later.

Overall, I think the communication and claim process was subpar. The claim form was a non-fillable PDF that I annotated over so I didn't have to print it out and scan it. The process seems like it's designed to be difficult to use.

They don't give you any guidance on how to handle foreign languages or currencies so I had to just submit and hope they did translation/conversions (seemed to work).

The fact that they ignored their own waiver form to send me an identical waiver form and fill out again was very annoying, and the lack of communication overall really didn't sit well with me.

I can't imagine what it would have been like trying to communicate with them if I'd had anything complicated happen.

We experienced a dental problem, but were unaware that an accident/police report needed to be made and only treatment that took place there would be covered. Previous plans I've had allowed us to complete treatment at home if not an emergency situation.

Luggage was also destroyed and a claim must first be filed with airline. HTH insurance took 48 hours to respond to tell us that so we missed the 24 hour window to do so with the airline, so we couldn't file for the damaged luggage.

Will never purchase this insurance again.