HTH Trip Protector Classic

A.M. Best Rating: A
By: HTH Worldwide, Underwriter: US Fire

HTH Trip Protector Classic (A.M. Best Rating: A) is a trip insurance plan designed specifically for cruise vacations. It helps protect your cruise investment with benefits for Trip Cancellation, Emergency Medical Expenses, baggage, and covered travel disruptions before and during your voyage. Coverage is available for trips up to 90 days.

HTH Trip Protector Classic does not participate in any PPO network. You can visit any doctor or hospital of your choice.

HTH Trip Protector Classic includes coverage for pre-existing conditions if the waiver requirements are met, including purchasing the plan within 14 days of the initial trip deposit.

Review the HTH Trip Protector Classic policy documents for complete coverage details, exclusions, and limitations.

Key Trip Insurance Benefits

Here are some of the top benefits, for your convenience*

Trip Cancellation

Up to 100%

Trip Delay

Up to $200 per day, $1000 maximum

Medical Evacuation

Up to $1000000

Baggage & Personal Effects

Up to $1000, $250 per item

Trip Interruption

Up to 150%

Accident & Sickness

Up to $250000

Emergency Dental Coverage

Up to $750

Baggage Delay

Up to $200

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Trip Delay

Up to $200 per day, $1000 maximum

Accident & Sickness

Up to $250000

Medical Evacuation

Up to $1000000

Emergency Dental Coverage

Up to $750

Baggage & Personal Effects

Up to $1000, $250 per item

Baggage Delay

Up to $200

*Note: Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge

Eligibility

For U.S residents traveling within the U.S and/or internationally
For Age 14 days to 99 years of age
Coverage for a maximum of 90 days
Must be purchased prior to departure.

Cancel For Work Reasons

Covered

Interruption For Any Reason

Not covered

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Trip Delay

Up to $200 per day, $1,000 maximum

Missed Connection

Up to $500

Emergency Medical Evacuation & Repatriation

Up to $1,000,000

Cancel For Any Reason

Not covered

Return of Mortal Remains

Up to $25,000

Pre-existing Medical

Pre-existing waiver available if purchased within 14 days of initial trip payment

Primary Medical

Covered

Non-Medical Evacuation

Not covered

Accident & Sickness Medical Expense

Up to $250,000

Dental Expense

Up to $750

Covid-19 Coverage

Treatment for COVID-19 is covered if contracted after the plan effective date. Cancellation, Interruption, & Quarantine benefits are offered in this plan. Covid-19 testing is covered only if ordered by a physician. Vaccination/Boosters are not covered.

Trip Cancellation Due to Covid-19

Coverage for trip cancellation due to a documented positive COVID-19 result

Covid-19 Quarantine

Quarantine coverage in Trip Insurance plans fall under the "Trip Delay" benefit. Policyholders who test positive and are ordered by a physician to quarantine can utilize the Trip Delay benefit to cover any expenses incurred while quarantining.

Sports Equipment Delay

Not covered

Sports Equipment Loss

Up to $1,000

Sports & Activities

Not covered

Telehealth Service

Not covered

Baggage & Personal Effects

Up to $1,000, $250 per item

Rental Car Damage

Not covered

Baggage Delay

Up to $200

Accidental Death & Dismemberment

Up to $25,000

Please refer to the following article concerning the claim process:
Trip Insurance Claim Process

An Eligible Participant:

Home Country is the U.S.

Is traveling outside the U.S. or is traveling away from his/her home and is scheduled to spend at least 24 hours away from his/her home

For children under age 6, must be enrolled with a parent

Initial purchase must be made in home country prior to departing on trip.

The Pre-Existing Condition Exclusion is waived provided you meet all of the following requirements:

The payment for this plan is received prior to/or within 14 days of initial deposit;

You are not disabled from travel at the time you make your plan payment; and the booking for the Covered Trip must be the first and only booking for this travel period and destination.

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

Trip plans are not renewable. In case of change of plans, you would need to purchase a new plan.

You may cancel the insurance by giving written consent within the first of the following: (a) 10 days free look back period from the effective date of your insurance; (b) Your scheduled departure date. If you do this, the company will refund your premium paid provided no claim is under the policy.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.

You will need names, coverage duration, date(s) of birth, home country address, total nonrefundable trip costs, and a valid credit card.

After purchasing the policy online, you will receive your ID card in your confirmation email.

Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

HTH Trip Protector Classic can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

Coverage on a trip insurance plan will begin the day after you have purchased your policy and will cover you for reasons such as trip cancellation prior to the departure date.

The trip cost should include any non-refundable payments made related to the trip. In case of unforeseen cancellation of the trip, these costs would be lost. Examples of these are costs of airline tickets, hotel reservations, tour reservations, etc.

All options of the plan would cover for the specific covered reasons. Some of these include:

Sickness, injury, or death of insured, a family member or a travel companion
Insured's primary residence or destination uninhabitable
Involved in a merger, job loss, or job relocation
Documented traffic accident
Unannounced strike
Inclement weather that causes cessation of services provided by your common carrier

Please check the brochure for more details.

Trip cancellation benefits become available if the trip is cancelled before the journey begins (before the start date of the policy). Trip interruption benefits are available after the journey begins. If for some documented covered reason, the trip is cancelled after the journey starts, the insured person has to go back to the home country.

Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.

If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.

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How COVID-19 is Covered Under HTH Trip Protector Classic

COVID-19 Medical Expenses

Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.

COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.

COVID-19 Vaccination/Booster

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit

Quarantine coverage included in the Trip Delay benefit can provide coverage for additional accommodation expenses if the quarantine is ordered by a physician.

Emergency Medical Evacuation

Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.

Trip Cancellation

Coverage for canceling a trip due to COVID-19 before the departure date.

Similar Plans

iTravelInsured Travel SE

Underwriter: US Fire / SiriusPoint America

Trip Cancellation

Up to 100%

Trip Interruption

Up to 150%

Baggage Loss

Up to $1,500, $250 per item

Cancel For Any Reason

Optional Add-on benefit

Emergency Medical*

Up to $250,000

Medical Evacuation*

Up to $500,000

*Pre-existing waiver available if purchased within 20 days of initial trip payment

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

HTH Trip Protector Classic

Key Trip Insurance Benefits

Eligibility

Travel Coverage

Emergency Services

COVID-19 Benefits

Other