Multi-Trip FAQ's

  1. Who is eligible to purchase a Multi Trip policy?

    To be eligible for Multi Trip, you must be:

    • Age 84 or younger.
    • Enrolled in a Primary Health Plan.
    • A resident of the United States. See Plan Description for policy details.

    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. Multi-trip plans cover an unlimited number of trips in a 12 month period.

  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 WIS and mail to:

    Attn: Enrollment
    100 Matsonford Road
    Building One
    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 us.

  5. Are acts of terrorism covered under this plan?

    Yes. The Multi Trip plans do 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 Choice and Essential plans?
    Multi-Trip Plan Comparison Chart
    Maximum Benefits per Insured Person per policy period $250,000* outside US $50,000 outside 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.

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

    Our 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 us. Please note, a member is responsible for their deductible at time of service, if applicable.

    Direct Pay can be requested by calling the assistance telephone number listed on your member ID card, or by emailing

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

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

    The 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:

  10. Will a Choice and Essential plan cover me inside the U.S.?

    No. These plans are designed to cover outside the United States only.

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

    The Multi Trip plans are secondary insurance. However, we 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 us, along with a copy of the Explanation of Benefits from your primary insurance carrier related to the claim.

  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 the website and download an electronic ID card.

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

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

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

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

  15. Who is eligible to be on the same Multi Trip 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
  16. Does this plan meet all Schengen Visa requirements?

    Yes, HTH plans meet all of the Schengen Visa requirements. If you will be traveling to any of the countries within the Schengen area and depending on your nationality, you may be required to show proof that your insurance plan has certain benefits. HTH can provide you with a Visa letter that you can use as proof to show the consulate that your policy meets all the Schengen visa requirements. The Visa letter contains all the specific wording the consulate is looking for.

    The countries within the Schengen area requiring a short-stay visa and proof of insurance include Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France and Monaco, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland. See the most current list of countries within the Schengen area and find out which nationalities require a visa and Schengen travel health insurance.