TravelGap Multi-Trip FAQ's

1.Who is eligible to purchase a TravelGap policy?
2.What is the minimum and maximum trip length?
3.What methods of payment are accepted?
4.How are medical evacuation decisions made?
5.Are acts of terrorism covered under this plan?
6.What is the difference between the TravelGap Silver & TravelGap Gold plans?
7.How do I access participating medical providers outside the U.S. and avoid claim forms?
8.Will my pre-existing condition be covered under a TravelGap plan?
9.How do I read the fine print?
10.Will a TravelGap Gold or Silver plan cover me inside the U.S.?
11.Do I file claims with my primary insurance first?
12.I am leaving before my policy materials arrive in the mail. How will I receive the information I need in time?
13.How far in advance do you need to purchase a TravelGap plan?
14.I already left on my trip. Can I buy a TravelGap plan when I am outside the U.S.?
15.Who is eligible to be on the same TravelGap policy?
16.If I am driving across the U.S. border into Mexico or Canada but will be less than 200 miles from home, am I covered?
  1. Who is eligible to purchase a TravelGap policy?

    To be eligible for TravelGap Multi-Trip, you must be:

    • Age 84 or younger.
    • Enrolled in a Primary Health Plan.
    • A resident of the United States, living in one of the following states:
    Insurance Benefits underwritten by HM Life Insurance Company
    Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Nebraska, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming
    Insurance Benefits underwritten by HM Life Insurance Company of New York
    New York
    Insurance Benefits Underwritten by Unicare Life and Health Insurance Company
    Indiana, Montana, Nevada, North Carolina, Utah, Vermont

    Coverage may not be available in all states

    Family Members included in your Multi-Trip Plan (if applicable) must be:

    • Your spouse, age 84 or younger, and/or your eligible child(ren) or other eligible dependent(s) - see Eligible Dependents.
    • Enrolled in a Primary Health Plan.
    • Resident(s) of the United States.
  2. What is the minimum and maximum trip length?

    A trip can be as short as 1 day or as long as 70 days. TravelGap Multi-trip plans cover an unlimited number of trips in a 12 month period.

    back to top

  3. What methods of payment are accepted?

    Premiums can be paid by a major credit card online. If paying by check, please make checks payable to HTH Worldwide Insurance Services and mail to:

    HTH Worldwide
    Attn: Enrollment
    1 Radnor Corporate Center
    Suite 100
    Radnor, PA 19087

  4. How are medical evacuation decisions made?

    The evacuation benefit pays for a medical evacuation to the nearest hospital, appropriate medical facility or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary and must be approved by HTH.

    back to top

  5. Are acts of terrorism covered under this plan?

    Yes. The TravelGap plan does not exclude illnesses or injuries related to terrorism or a terrorist act. In order to be covered in countries where there are open hostilities, such as Iraq and Afghanistan, a member must not be engaged in hostile or combative activities.

  6. What is the difference between the TravelGap Silver & TravelGap Gold plans?
    Multi-Trip Plan Comparison Chart
     
    BENEFIT GOLD SILVER
    Maximum Benefits per Insured Person per policy period $250,000* outside US
    $25,000 within US    		 $50,000 outside US
    $2,500 within US
    Medical Evacuation Arrangements and up to $500,000 in costs Arrangements and up to $250,000 in costs
    Repatriation of Remains Arrangements and up to $25,000 in costs Arrangements and up to $15,000 in costs
    Accidental Death and Dismemberment Benefit $25,000 (Principal Sum) None

    *For Individuals aged 70 - 84, the Maximum International Medical Limit is $100,000.

    back to top
  7. How do I access participating medical providers outside the U.S. and avoid claim forms?

    HTH's Global Health and Safety services help members identify, access, and pay for quality healthcare all over the world. This includes a contracted community of elite providers in 180 countries. Members can access these carefully selected providers and arrange for the bills to be sent directly to HTH Worldwide. Please note, a member is responsible for their deductible at time of service, if applicable.

    Direct billing can be requested by calling the assistance telephone number listed on your member ID card, or by emailing globalhealth@hthworldwide.com.

    A claims instruction page is available online and can be accessed by visiting the TravelGap Claims page. Claim forms are downloadable from this section of the site.

    back to top

  8. Will my pre-existing condition be covered under a TravelGap plan?

    The TravelGap Multi-trip plans are available to those who have primary insurance in the U.S. and will both cover pre-existing conditions. Please refer to the definition of a primary health plan for more specific information on what plans qualify as primary insurance.

  9. How do I read the fine print?

    To view a sample policy, visit:

    TravelGap Multi-Trip Gold Certificate
    TravelGap Multi-trip Silver Certificate
    back to top
  10. Will a TravelGap Gold or Silver plan cover me inside the U.S.?

    Yes. Benefits are available on a covered trip when a member is 200 miles or more away from his/her home area. The TravelGap Gold plan has a $25,000 medical limit for services rendered inside the U.S., while the TravelGap Silver plan's medical limit for services rendered inside the U.S. is $2,500..

  11. Do I file claims with my primary insurance first?

    The TravelGap Multi-trip plans are secondary insurance. However, HTH will process and pay overseas claims as a primary payor and reserves the right, where applicable, to contact your primary insurance company to coordinate benefits.

    U.S. claims should be filed with your primary insurance carrier first before being submitted to HTH Worldwide, along with a copy of the Explanation of Benefits from your primary insurance carrier related to the claim.

    back to top

  12. I am leaving before my policy materials arrive in the mail. How will I receive the information I need in time?

    Upon a successful purchase, you will receive an email confirmation which contains all your necessary policy information and important contact information for emergencies. Once enrolled, members can instantly log in to the Member Services area of HTH's website and download an electronic ID card.

  13. How far in advance do you need to purchase a TravelGap plan?

    A TravelGap plan may be purchased up to one day before your departure date. HTH recommends that customers wishing to receive a hard copy ID card should allow 2 weeks prior to their effective date when purchasing.

    back to top

  14. I already left on my trip. Can I buy a TravelGap plan when I am outside the U.S.?

    No. The TravelGap plans have been approved to be sold to customers purchasing from inside the U.S.

  15. Who is eligible to be on the same TravelGap policy?

    Family Members included in your Multi-Trip Plan (if applicable) must be:

    • Your spouse, age 84 or younger, and/or your eligible child(ren) or other eligible dependent(s) - see Eligible Dependents
    • Enrolled in a Primary Health Plan.
    • Resident(s) of the United States
    back to top
  16. If I am driving across the U.S. border into Mexico or Canada but will be less than 200 miles from home, am I covered?

    The 200 mile provision only applies to trips that are within the United States, and a domestic trip must be at least 24 hours in length. Once a member is outside the U.S. he/she is covered under the policy regardless of the amount of time spent there and the distance from their home address, so long as the trip length does not exceed the 70 day limit trip length maximum.