HTH Travel Insurance Review: Is It Worth the Cost?

HTH offers trip protection and travel medical insurance for travelers whose primary insurance may not apply abroad.
Carissa Rawson
By Carissa Rawson 
Updated
Edited by Meg Lee

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

insurance-product-card-logo

HTH Travel Insurance

4.5

NerdWallet rating 
Compare Rates
at SquareMouth

Pros

  • Covers travelers up to 95 years old.
  • Includes direct pay option so members can avoid having to pay up front for services.

Cons

  • 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.
insurance-product-card-logo
Compare Rates
at SquareMouth

HTH Travel Insurance

4.5

NerdWallet rating 

Pros

  • Covers travelers up to 95 years old.
  • Includes direct pay option so members can avoid having to pay up front for services.

Cons

  • 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.

Travel insurance aims to protect you when things go awry, and it can cover a variety of issues that might happen when you’re taking a trip, including canceled flights, medical emergencies and baggage delays.

HTH Travel Insurance sells multiple types of travel insurance policies. Some examples are coverage for pre-existing conditions, single-trip plans, annual plans and more. Let’s look at HTH, the plans the provider offers and whether purchasing a plan is right for you.

What does HTH travel insurance plans cover?

HTH offers several types of travel medical insurance, as well as trip protection plans that include coverage for trip cancellation or interruption, baggage delays, and accident or sickness.

HTH single-trip plans

Single-trip plans are insurance policies that provide coverage during a specified time period. You’ll travel once and then come home. This contrasts with multi-trip or annual plans.

HTH offers two types of single-trip plans:

  • Plans for people with primary health insurance in the U.S.

  • Plans for people who don’t have primary insurance.

HTH single-trip plan cost

To figure out the cost of a plan, we input a search for a 45-year-old from California traveling for 23 days in January.

With those parameters, HTH returned two quotes, which included the same coverage for travelers whether they had a health insurance policy or not.

HTH travel medical insurance for a single trip

The Voyager Essential plan — for those without primary medical insurance — was cheaper, coming in at $44 for its least expensive option. However, this plan had a 180-day exclusion for pre-existing conditions.

For those with primary medical insurance, the cheapest Voyager Choice plan was $49.

voyager choice hth travel insurance

Note that these quotes offered only medical insurance.

HTH travel insurance plans

HTH has three plans that cover trip interruption and trip delay.

For this type of insurance, we input a search for a 25-year-old Ohio resident traveling to Switzerland for two weeks in June with a trip cost of $6,500.

The traveler’s results showed she was eligible for two of the three plans. The cheapest plan came in at $300 and included 100% of the trip cost in case of cancellation, up to 150% of the trip cost in case of trip interruption and a variety of other benefits, including medical insurance coverage.

HTH annual plans

Annual plans from HTH are meant for those who travel often or who are away for longer than six months.

HTH offers two types of annual plans:

  • Plans for standard travelers.

  • Plans for maritime crew members, missionaries and students.

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

🤓Nerdy Tip

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.

HTH annual plan cost

For this example, we sought an annual plan for a 32-year-old man who will be primarily in Thailand. HTH returned one result, featuring a plan costing $316 per month and requiring a $10,000 deductible.

It’s worth noting that the monthly cost dropped to $170 when we dropped plan benefits within the U.S. Rates will vary by provider and factor in your age, destination and the deductible you choose, so it’s important to compare prices before purchasing a plan.

Which HTH travel insurance plan is best for me?

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.

How to choose an HTH plan online

If you want to buy an HTH travel insurance policy, you’ll need to navigate to its website: hthtravelinsurance.com.

From there, you can input your personal information and receive a quote. Once you’ve decided on a plan that fits your needs, you’ll be able to apply for the insurance policy you’d like to purchase.

What isn’t covered, including coronavirus

Most plans will have coverage for things like emergency medical care, but there can be gaps that you might not expect. Generally speaking, things like high-risk activities, medical tourism or intentional acts of harm are not covered by most travel insurance policies.

Coronavirus considerations

Not every travel insurance plan covers incidents of coronavirus. If this is something for which you’ll need coverage, be sure to check the fine print of your policy and plan benefits.

Frequently asked questions

Yes. HTH has a few travel insurance policies. These include medical plans and trip protection plans, so you’ll want to decide what type of coverage you require.

Travel insurance costs will vary based on the type of travel you’re doing and how much coverage you need. Examples of add-ons that can increase the cost of your policy include pre-existing condition coverage and cancel for any reason insurance.

Yes. HTH’s travel insurance plans include international travel. However, unlike many travel insurance policies, it’s also possible to acquire coverage for benefits within the U.S. if you purchase a long-term plan.

Travel insurance policies can be helpful when you’re abroad and may protect you if issues arise. However, deciding to buy a plan is a personal decision; only you will know if the plan benefits are worth the cost for you.

HTH travel insurance recapped

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.


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:

Cards for Travel Insurance from our Partners
Chase Sapphire Reserve Credit Card

on Chase's website

Chase Sapphire Reserve®
5.0
NerdWallet Rating
Rewards rate

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.

Points

Intro offer

75,000

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

Points
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

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.

Points

Intro offer

75,000

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Points
Chase Southwest Rapid Rewards® Plus Credit Card

on Chase's website

Southwest Rapid Rewards® Plus Credit Card
4.2
NerdWallet Rating
Rewards rate

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.

Points

Intro offer

50,000

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

Points
See more cards
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.