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Want personalized travel insurance advice? Just make one, easy, free phone call to our expert staff: Steve, Tara, Deanna, Becky, Teresa, Mary at 1-888-407-3854 (US & Canada) or 507-214-3854, 8am - 10pm ET, 7 days a week year round |
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Hi Steve: Just to let you know that we have received from HTH the insurance refund for our cancelled trip to South Africa. Thank you so much for your help and your excellent service. We'll contact you again for future trips (well, not in hurricane season). Have a good day. Doreen and Han T., Slidell, Louisiana |
HTH has its strengths & quibbles:
Why Buy It? |
Quibbles |
 TripProtector has $100,000 Secondary Emergency Medical coverage
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HTH's Emergency Medical & Medical Evacuation Limits are per policy, not per person |
TripProtector Preferred has $250,000 Secondary Emergency Medical coverage |
HTH can not guarantee the medical payment. You have to pay all the costs up front and get reimbursed when your claim is settled |
You have to buy your HTH policy no later than 24 Hours after your final trip payment to get a plan to cover pre-existing conditions and supplier financial default |
The Emergency Medical coverage ends when you reach US soil if you are returned to the USA under the Emergency Medical Transportation coverage |
Both HTH plans have a 180 day Lookback Period for pre-existing conditions |
No frequent flyer fee reimbursement |
You have a 10 day Free Look Period |
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The lowest trip cost you can cover is $0. This means you won't have any trip cancellation, nor trip interruption coverage |
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The maximum trip cost you can cover is $30,000 per person or $60,000 per trip |
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HTH plans are available to US residents |
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You get a 150% trip interruption benefit with TripProtector Preferred |
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HTH's maximum trip length is 365 days. |
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HTH is 1 of the 6 companies we trust |
If you already know which HTH plan you want, click here to go to HTH's secure online order form. Or call us toll free at 1-888-407-3854 (US residents only) to place your order over the telephone. |
 The HTH Trip Protector plans feature up to $250,000 Secondary Emergency Medical, up to $1,000,000 Emergency Medical Evacuation and up to 150% Trip Interruption. 10 day money back satisfaction guarantee. Available to US residents only. All benefits are expressed in U.S. dollars. You can have up to ten (10) Travelers on an HTH policy. All plans include membership in the HTH Travelers Club.
HTH Trip Protector Certificates of Coverage:
Please select the appropriate Certificate: (you can view them with the free Adobe Acrobat Reader). You may find this helpful: Printing With Adobe Reader
Click here to go to TripProtector's secure online order form
Plan Name |
Trip Protector |
Trip Protector Preferred |
Secure online order form link (You won't pay extra fees by going through us) |
HTH's Trip Protector and Trip Protector Preferred Secure Online Order Form |
Money Back Guarantee |
10 days |
Trip Cancellation (per person) |
Up to the insured amount |
Trip Interruption (per person) |
Up to 100% of the insured amount |
Up to 150% of the insured amount |
Secondary Emergency Medical & Emergency Dental (Treatment for Accidental Injury); (Policy Maximum) |
$100,000 |
$250,000 |
Emergency Medical Evacuation / Repatriation (Policy Maximum) |
$500,000 |
$1,000,000 |
Emergency Dental (per person) |
Included in Medical |
Your deadline to waive the Pre-Existing Condition exclusion |
No later than 24 Hours after your final trip payment |
Pre-Existing Condition Lookback Period |
180 Days |
Travel Baggage (per person) |
$1000 |
$1500 |
Travel Baggage Delay (per person) |
$200 |
Travel Delay / Missed Connection (per person) |
up to $1,000 |
Flight Accident Insurance (per person) |
$100,000 ($250,000 Policy Maximum) |
$200,000 ($250,000 Policy Maximum) |
Rental Car Collision / Loss Damage Waiver |
Yes, as a separate plan |
$50,000 (Not available to residents of OR, TX, NY) |
24-hour Assistance Services |
Included |
Travel Supplier Financial Default |
7 Day Wait if purchased no later than 24 Hours after your final trip payment |
Terrorist Incident coverage in Itinerary City |
"...in your departure city or in a city which is a scheduled destination for your Covered Trip, provided the Terrorist Act occurs within 7 days..." |
Some More Details: |
• Includes HTH TravelersClub Services
• Secondary medical coverage |
Residency Eligibilty Requirements: |
Available to US residents only |
Insurance Underwriter |
Stonebridge Casualty Insurance Company (2008 AM Best Rating A-) |
Secure online order form link (you don't pay extra fees by going through us) |
HTH's Trip Protector and Trip Protector Preferred Secure Online Order Form |
Here are the HTH Trip Protector Plan prices:
Take note of this important HTH Trip Protector Plan pricing information:
- The main section of the table contains rates for Trip costs up to $10,000 per person
- $0 Trip Cost band does not include Trip Cancellation and Trip Interruption
- It's the same price for a trip of up to 31 days
- The 3rd to last row has the rates for trip costs of $10,001 to $30,000
- The 4th to last row has the daily per person rates for a 32 - 365 days' trip
- Here's the TripProtector's secure online order form
Trip Cost Per Person (US dollars) |
Up to Age 30 |
31 - 55 |
56 - 70 |
71 - 75 |
76 - 80 |
81 - 84 |
85+ |
$0.00 |
$29 |
33 |
42 |
47 |
56 |
69 |
74 |
$0.01 - 500 |
$40 |
45 |
54 |
63 |
74 |
106 |
123 |
$500.01 - 1,000 |
$57 |
61 |
80 |
112 |
124 |
160 |
198 |
$1,000.01 - 1,500 |
$75 |
82 |
110 |
155 |
177 |
209 |
273 |
$1,500.01 - 2,000 |
$92 |
102 |
139 |
199 |
228 |
268 |
348 |
$2,000.01 - 2,500 |
$112 |
126 |
171 |
245 |
282 |
327 |
424 |
$2,500.01 - 3,000 |
$132 |
149 |
209 |
291 |
334 |
384 |
504 |
$3,000.01 - 3,500 |
$153 |
172 |
241 |
339 |
388 |
445 |
574 |
$3,500.01 - 4,000 |
$173 |
196 |
273 |
385 |
442 |
515 |
649 |
$4,000.01 - 4,500 |
$195 |
218 |
316 |
433 |
497 |
580 |
725 |
$4,500.01 - 5,000 |
$213 |
239 |
354 |
479 |
549 |
644 |
800 |
$5,000.01 - 5,500 |
$226 |
254 |
391 |
506 |
582 |
725 |
875 |
$5,500.01 - 6,000 |
$251 |
282 |
440 |
567 |
651 |
800 |
956 |
$6,000.01 - 6,500 |
$265 |
298 |
472 |
598 |
686 |
875 |
1,031 |
$6,500.01 - 7,000 |
$288 |
325 |
515 |
654 |
752 |
945 |
1,106 |
$7,000.01 - 8,000 |
$325 |
369 |
574 |
746 |
857 |
1,063 |
1,257 |
$8,000.01 - 9,000 |
$362 |
412 |
644 |
839 |
963 |
1,182 |
1,408 |
$9,000.01 - 10,000 |
$399 |
455 |
709 |
927 |
1,063 |
1,295 |
1,563 |
Additional per person daily fee for trips 32-365 days in length* |
| |
$3 |
$4 |
$5 |
$6 |
$7 |
$8 |
$8 |
Additional amount for trip costs between $10,001 and $30,000**
You need to add the following percentages for amounts above $10,000 |
| |
5% |
5% |
8% |
10% |
11% |
13% |
16% |
Coverage is not available for trips where the total trip cost for all insured persons exceeds $60,000 combined |
* Charge per day over 31 days
** The total premium is the sum of 1) the premium for $10,000 trip PLUS 2) the percentage shown multiplied by the trip cost in excess of $10,000 per person |
Click here to go to TripProtector's secure online order form
You can also create your own price quote at our HTH site. Just enter your trip details and you'll get the prices for your travel insurance plan.
Here are the HTH Trip Protector Preferred Plan prices:
Take note of this important HTH Trip Protector Preferred Plan pricing information:
- The main section of the table contains rates for Trip costs up to $10,000 per person
- $0 Trip Cost band does not include Trip Cancellation and Trip Interruption
- It's the same price for a trip of up to 31 days
- The 3rd to last row has the rates for trip costs of $10,001 to $30,000
- The 4th to last row has the daily per person rates for a 32 - 180 days' trip
- Here's the TripProtector Preferred's secure online order form
Trip Cost Per Person (US dollars) |
Up to Age 30 |
31 - 55 |
56 - 70 |
71 - 75 |
76 - 80 |
81 - 84 |
85+ |
$0.00 |
$41 |
47 |
51 |
65 |
70 |
89 |
99 |
$0.01 - 500 |
$56 |
65 |
69 |
80 |
94 |
109 |
134 |
$500.01 - 1,000 |
$75 |
80 |
99 |
135 |
155 |
174 |
214 |
$1,000.01 - 1,500 |
$90 |
105 |
140 |
190 |
220 |
239 |
294 |
$1,500.01 - 2,000 |
$115 |
130 |
175 |
250 |
285 |
309 |
364 |
$2,000.01 - 2,500 |
$141 |
160 |
215 |
300 |
345 |
375 |
449 |
$2,500.01 - 3,000 |
$166 |
186 |
255 |
360 |
415 |
445 |
534 |
$3,000.01 - 3,500 |
$191 |
211 |
296 |
415 |
480 |
515 |
599 |
$3,500.01 - 4,000 |
$211 |
241 |
331 |
470 |
545 |
590 |
689 |
$4,000.01 - 4,500 |
$241 |
266 |
371 |
535 |
615 |
670 |
769 |
$4,500.01 - 5,000 |
$261 |
301 |
411 |
590 |
675 |
740 |
849 |
$5,000.01 - 5,500 |
$286 |
321 |
466 |
670 |
770 |
825 |
929 |
$5,500.01 - 6,000 |
$311 |
346 |
506 |
706 |
810 |
865 |
1,009 |
$6,000.01 - 6,500 |
$331 |
381 |
561 |
776 |
885 |
950 |
1,089 |
$6,500.01 - 7,000 |
$361 |
396 |
586 |
816 |
945 |
985 |
1,159 |
$7,000.01 - 8,000 |
$396 |
456 |
661 |
911 |
1,045 |
1,125 |
1,309 |
$8,000.01 - 9,000 |
$446 |
506 |
731 |
1,021 |
1,170 |
1,260 |
1,459 |
$9,000.01 - 10,000 |
$487 |
551 |
811 |
1,126 |
1,295 |
1,390 |
1,619 |
Additional per person daily fee for trips 32 - 365 days in length* |
| |
$5 |
$6 |
$7 |
$8 |
$9 |
$10 |
$10 |
Additional amount for trip costs between $10,001 and $30,000**
You need to add the following percentages for amounts above $10,000 |
| |
5% |
6% |
9% |
12% |
13% |
14% |
17% |
Coverage is not available for trips where the total trip cost for all insured persons exceeds $60,000 combined |
* Charge per day over 31 days
** The total premium is the sum of 1) the premium for $10,000 trip PLUS 2) the percentage shown multiplied by the trip cost in excess of $10,000 per person |
Click here to go to TripProtector Preferred's
secure online order form
Want the right travel insurance plan for your trip? Make one easy toll free phone call to Steve, Tara, Deanna, Becky, Teresa or Mary at 1-888-407-3854 (US & Canada) or 507-214-3854. 8 am - 10 pm Eastern time. Fast service.
Ready to Order? It's easy (and safe) to do online or over the telephone - just call Steve, Tara, Deanna, Becky, Teresa or Mary toll free at 1-888-407-3854 (US & Canada) or 507-214-3854.
PS - Steve has some Free Gifts for you just for visiting TripInsuranceStore.com
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to use, provides answers to the important questions, and is backed up by the toll free phone line. It definitely makes shopping for a complicated product easier. Our policy arrived in the mail and was correct in every regard - just as requested. Thanks! - Cynthia C., Portland, OR
In the last 2 years I have taken out about 8-10 policies thru you because your group is a class act. Sincerely, Stan S., Dacula, GA
Please do modify our policy as you suggested. This is quite a surprise to us, in the past we've used other online companies and no recommendations to change our insurance were ever made. Kudos to you and your company. You really do offer great service plus advice, a real leap ahead of other companies and all online insurance companies that we've used in the past. Many Thanks! Regards, John C., Novato, CA
Before I found Trip Insurance Store.com I was bouncing back and forth between web sites trying to sort out the pros, cons, & details of the different companies & policies. I found your 'side by side' comparisons very helpful and easy to understand. It made it much easier to make what I believe was a intelligent choice that I feel comfortable with. When you can compare apples to apples (side by side), it's easy to see that there are significant differences between the various companies and policies being sold. Because there is so much deceptive and 'slight of hand' marketing out there, your recommendations of reputable and trusted policy issuers was comforting. Mark C., Urbana, IL
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