HTH Travel Insurance

4.5

NerdWallet rating

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

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pros & cons

Pros

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

Cons

A 12-hour delay is required for baggage delay coverage.

Compare Rates

at SquareMouth

HTH Travel Insurance

4.5

NerdWallet rating

NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

pros & cons

Pros

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

Cons

A 12-hour delay is required for baggage delay coverage.

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.

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.