Whether you are planning a trip for a short or long amount of time, it's important to be prepared. One of the most important things you can do is to purchase health insurance to cover you during your trip. In case you get sick or need to be treated for something that happens unexpectedly, it's good to know that you're covered. Here is everything you need to know about HTH plans for travel health insurance. Because it takes some time to read about the different plans, we've saved you some time and broken them all down below.
All You Need To Know About HTH Travel Insurance
Travel: Single Trip
- You have to have a health plan* and live in approved states in U.S.
- You need to be 84 or younger
- Your trip has to be 6 months or less- Plan is non-renewable (i.e. have to get a new plan after your plan expires)- Good for over 180 countries (i.e. make sure the countries you’re visiting are listed)
- This option does NOT require a health plan and live in approved states in U.S.
- You need to be 74 or younger
- Your trip has to be 6 months or less
Both of these plans are good only for coverage outside of the U.S. and offer varying medical limits and deductibles. You must purchase these policies prior to leaving on your trip. A 10-day money back guarantee is offered presuming you haven’t left on your trip and you don’t live in Washington.
*Health Plan = primary health plan (Group Health Benefit Plan, an individual health benefit plan, or a government health plan). Medicaid and V.A. health plans are not considered primary health insurance. See HTH's definition for more information.
You are eligible for this option if you live outside of your home country and plan to do so for three months or more.
- International health insurance that works both inside and outside the U.S.
- No deductible for preventive and primary care and office visits with doctors*
- Can be kept after you get home for up to 9 months
*For outside the U.S., “covered expenses” are based on “reasonable charges” which may be less than actual billed charges, leaving you with the remainder. HTH does contract with certain facilities called, “Foreign Country Providers,” and if they are used, any copayment due to said provider is waived.
- Covers only outside the U.S.
- Need to be 74 or younger
- If you go to the ER and don’t get admitted, you’ll have to pay a $50 penalty (i.e if your thumb “feels funny”, maybe don’t go to the ER)
Long Term Plan (AKA Worldwide Option for Students and Faculty):
- Unlimited medical maximum
- Deductible waived for office visits/J1 Visa compliant options
- No waiting period for preventive services- 3 tiers of coinsurance apply: if outside the U.S. (100%), if inside the U.S. (80% in network, 60% out of network)
- ER visit with no inpatient admission results in $100 penalty
Short Term Plan (AKA U.S. Outbound Option for Students and Faculty):
- Short term health insurance for U.S. students and faculty traveling abroad (MUST have primary health plan).
- Up to $1 million in coverage
- Offers varying medical limits and deductibles
- Must be a U.S. resident, 84 or younger, and live in approved states
- Non-renewable plan
Trip Protector Economy:
- Trip cancellation up to $5,000 provided you are prevented from taking your trip for unforeseen reasons and it occurs after the effective date
- Trip interruption up to 125% of trip cost, provided it occurs due to these unforeseen reasons.
- Coverage for sickness, injury or death if you or traveling companion, traffic accident, employer transfer.
- $75,000 medical for sickness and injury/$500,000 medical evacuation (pre-existing conditions are NOT covered).
- Check your state here to see what specifically is offered/excluded.
Trip Protector Classic:
- Trip cancellation up to $25,000
- Trip interruption up to 150% of trip cost
- $250,000 medical for sickness and injury/$1,000,000 medical evacuation
- Includes all Trip Potector Economy plus:
- natural disaster (at the site of your destination that makes it “uninhabitable’)
- terrorist incident (within 30 days prior to your trip. Does not apply if same city had a terrorist incident within 90 days of your departure date)
- bankruptcy (must occur more than 10 days following your effective date)
- Pre-existing condition exclusion waiver may be available if purchased within 14 days of initial trip deposit
Trip Protector Preferred:
- Trip cancellation up to $50,000
- Trip interruption up to 200% of trip cost
- $500,000 medical for sickness and injury/$1,000,000 medical evacuation
- Trip Protector Economy and Classic coverages PLUS Cancel for Any Reason (optional)
- Pre-existing condition exclusion waiver may be available if purchased within 21 days of initial trip deposit.
This article was written by Eric Dressel.