Travel Medical
TravelGap Single Trip FAQs
- Who is eligible to purchase a TravelGap policy?
The eligibility requirements vary slightly by plan type.
- What is the minimum and maximum trip length?
A trip can be as short as 1 day or as long as 6 months (180 days). The minimum charge assessed is 7 days.
- 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 - 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.
- 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.
- What is the difference between the TravelGap Voyager & TravelGap Excursion plans?
TravelGap Single Trip Plan Differences BENEFIT EXCURSION VOYAGER Pre-existing Conditions Coverage Covered for all benefits Covered for medical evacuation, repatriation of remains and bedside visit benefits Accidental Death & Dismemberment $50,000 (Principal Sum) $25,000 (Principal Sum) Prescription Drugs 100% 50% Emergency Dental $500 $200 Primary Health Insurance Required YES NO - 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.
- Will my pre-existing condition be covered under a TravelGap plan?
Pre-existing medical conditions are treated differently depending upon the plan you have selected. The TravelGap Excursion plan is available to those who have primary insurance inside the U.S. and will cover medical treatments for pre-existing conditions. Please refer to the definition of a primary health plan for more specific information on what plans qualify as a primary insurance.
Under the TravelGap Voyager plan, benefits are not available for any services received on or within 6 months after the Eligibility Date of an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section of the Plan Description. This exclusion does not apply to a Newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.
The pre-existing conditions exclusion under TravelGap Voyager does not apply to the Medical Evacuation benefit, Repatriation of Remains benefit, or the Bedside Visit benefit. TravelGap Voyager does not require that insureds have primary insurance at the time of enrollment.
- How do I read the fine print?
To view a sample policy, visit:
- Will a TravelGap Excursion or Voyager plan cover me inside the U.S.?
No. The TravelGap Excursion and Voyager plans both are designed to cover a member anywhere outside the continental U.S. However, coverage is afforded to members visiting U.S. territories such as Puerto Rico or Guam.
- Do I file claims with my primary insurance first?
TravelGap plans are secondary insurance. However, HTH will process and pay claims as a primary payor and reserves the right, where applicable, to contact your primary insurance company to coordinate benefits.
- 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 and other policy documents.
- 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
- I already left on my trip. Can I buy a TravelGap plan when I am outside the U.S.?
No. TravelGap plans have been approved to be sold to customers purchasing from inside the U.S.
- Who is eligible to be on the same TravelGap policy?
For TravelGap Voyager, dependents may include your spouse, age 74 or younger, and/or your eligible child(ren) or other eligible dependent(s) - see Eligible Dependents.
For TravelGap Excursion, dependent may include your spouse, age 84 or younger, and/or your eligible child(ren) or other eligible dependent(s) - see above link.