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 Steve Dasseos (Head Honcho & Trip Insurance Guru) says, "Put us to the test: Do we deliver on our promise to get you the best travel insurance for your trip?" You can call us to order or go here for our secure ordering links.
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Trip Cancellation & Interruption Travel Insurance
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 |
Why Buy It? |
Quibbles |
 You have to buy your HTH policy within 24 Hours of your final trip payment date to get a plan to cover pre-existing conditions and supplier financial default
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180 day Lookback period |
10 day Free-Look period |
No frequent flyer fee reimbursement |
TripProtector & TripProtector Preferred's maximum trip length is 365 days. |
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You don't have to insure your full trip cost even if you want to cover pre-existing conditions |
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TripProtector and TripProtector Preferred's maximum trip cost is $30,000 per person or $60,000 per trip | |
TripProtector Preferred's Trip interruption is up to 150% of the covered trip cost. |
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TripProtector Preferred has $250,000 Secondary Emergency Medical coverage. |
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TripProtector has $100,000 Secondary Emergency Medical coverage. |
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HTH is 1 of the 5 companies we trust |
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If you already know which HTH plan you want, click here to go to HTH's secure online purchase page. Or call us toll free at 1-888-407-3854 (US & Canada) to place your order over the telephone. |
HTH's Travel Insurance plans are competitively priced for US and Canadian residents. You get a Ten-day money back satisfaction guarantee. All plans include membership in the HTH Travelers Club. All benefits are expressed in U.S. dollars. HTH's Travel Insurance plans are available to persons whose primary residence is in the United States or Canada. A maximum of 10 people can be covered on each policy.
As our tangible way of saying "Thanks for visiting TripInsuranceStore.com", click here to get some Free Gifts.
Click here to go to HTH's secure online purchase page
Trip Protector Certificates of Coverage:
Please select the appropriate Certificate: (you can view them with the free Adobe Acrobat Reader)
Click here to go to TripProtector's secure online purchase page
HTH has two trip cancellation / interruption plans:
Plan Name |
Trip Protector |
Trip Protector Preferred |
Secure online purchase link (you don't pay extra fees by going through us) |
HTH's Trip Protector and Trip Protector Preferred Secure Online Purchase Page |
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 & Dental (per person) |
$100,000 Policy Maximum |
$250,000 Policy Maximum |
Emergency Medical Evacuation / Repatriation |
$500,000 Policy Maximum |
$1,000,000 Policy Maximum |
Your deadline to waive the Pre-Existing Condition exclusion |
Within 24 Hours of your final trip payment date |
Pre-Existing Condition Lookback Period |
180 Days |
Travel Baggage (per person) |
$1000 |
$1500 |
Travel Baggage Delay (per person) |
$200 |
Travel Delay (per person) |
up to $1,000 |
Rental Car Collision / Loss Damage Waiver |
Yes, as a separate plan |
$50,000 (Not available to residents of OR, TX, NY) |
24 Hour Emergency Assistance |
Yes |
Flight Accident Insurance (per person) |
$100,000 ($250,000 Policy Maximum) |
$200,000 ($250,000 Policy Maximum) |
Financial Default of cruise lines, airlines, or tour operators |
7 Day Wait if purchased within 24 Hours of your final trip payment date |
Terrorist Incident coverage in Itinerary City |
"...in a city to which you were scheduled to arrive
within 30 days" |
Here are some more details: |
•Includes HTH TravelersClub Services
•Secondary medical coverage
•US or Canadian residents only |
Insurance Company |
Stonebridge Casualty or Monumental General Insurance Company (2006 A.M. Best Rating A-) |
Secure online purchase link (You won't pay extra fees by going through us) |
HTH's Trip Protector and Trip Protector Preferred Secure Online Purchase Page |
Here are the HTH Trip Protector Plan prices:
Click here to go to TripProtector's secure online purchase page
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
TripProtector
Trip Cost Per Person |
Up to Age 30 |
31 - 55 |
56 - 70 |
71 - 75 |
76 - 80 |
81 - 84 |
85+ |
$0.00 |
$27 |
31 |
39 |
44 |
52 |
64 |
69 |
$1 - 500 |
$37 |
42 |
50 |
59 |
69 |
99 |
114 |
$501 - 1000 |
$53 |
57 |
50 |
59 |
69 |
149 |
184 |
$1001 - 1500 |
$70 |
76 |
102 |
144 |
165 |
194 |
254 |
$1501 - 2000 |
$86 |
95 |
129 |
185 |
212 |
249 |
324 |
$2001 - 2500 |
$104 |
117 |
159 |
228 |
262 |
304 |
394 |
$2501 - 3000 |
$123 |
139 |
194 |
271 |
311 |
357 |
469 |
$3001 - 3500 |
$142 |
160 |
224 |
315 |
361 |
414 |
534 |
$3501 - 4000 |
$161 |
182 |
254 |
358 |
411 |
479 |
604 |
$4001 - 4500 |
$181 |
203 |
294 |
403 |
462 |
539 |
674 |
$4501 - 5000 |
$198 |
222 |
329 |
445 |
511 |
599 |
744 |
$5001 - 5500 |
$210 |
236 |
364 |
471 |
541 |
674 |
814 |
$5501 - 6000 |
$233 |
262 |
409 |
527 |
605 |
744 |
889 |
$6001 - 6500 |
$246 |
277 |
439 |
556 |
638 |
814 |
959 |
$6501 - 7000 |
$268 |
302 |
479 |
608 |
699 |
879 |
1,029 |
$7001 - 8000 |
$302 |
343 |
534 |
694 |
797 |
989 |
1,169 |
$8001 - 9000 |
$337 |
383 |
599 |
780 |
896 |
1,099 |
1,309 |
$9001 - 10,000 |
$371 |
423 |
659 |
862 |
989 |
1,204 |
1,454 |
Additional daily fee for trips 32-365 days in length* |
$3 per person per day |
$3.50 per person per day |
$5 per person per day |
$6 per person per day |
$6.50 per person per day |
$7 per person per day |
$7 per person per day |
Additional amount for trip costs between $10,001 and $30,000** |
4.5% add'l for amounts above $10,000 |
5% add'l for amounts above $10,000 |
7% add'l for amounts above $10,000 |
9% add'l for amounts above $10,000 |
10% add'l for amounts above $10,000 |
12.5% add'l for amounts above $10,000 |
15% add'l for amounts above $10,000 |
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 purchase page
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:
Click here to go to TripProtector Preferred's
secure online purchase page
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
Trip Cost Per Person |
Up to Age 30 |
31 - 55 |
56 - 70 |
71 - 75 |
76 - 80 |
81 - 84 |
85+ |
$0.00 |
$41 |
47 |
51 |
65 |
70 |
89 |
99 |
$1 - 500 |
$56 |
65 |
69 |
80 |
94 |
109 |
134 |
$501 - 1000 |
$75 |
80 |
99 |
135 |
155 |
174 |
214 |
$1001 - 1500 |
$90 |
105 |
140 |
190 |
220 |
239 |
294 |
$1501 - 2000 |
$115 |
130 |
175 |
250 |
285 |
309 |
364 |
$2001 - 2500 |
$141 |
160 |
215 |
300 |
345 |
375 |
449 |
$2501 - 3000 |
$166 |
186 |
255 |
360 |
415 |
445 |
534 |
$3001 - 3500 |
$191 |
211 |
296 |
415 |
480 |
515 |
599 |
$3501 - 4000 |
$211 |
241 |
331 |
470 |
545 |
590 |
689 |
$4001 - 4500 |
$241 |
266 |
371 |
535 |
615 |
670 |
769 |
$4501 - 5000 |
$261 |
301 |
411 |
590 |
675 |
740 |
849 |
$5001 - 5500 |
$286 |
321 |
466 |
670 |
770 |
825 |
929 |
$5501 - 6000 |
$311 |
346 |
506 |
706 |
810 |
865 |
1009 |
$6001 - 6500 |
$331 |
381 |
561 |
776 |
885 |
950 |
1,089 |
$6501 - 7000 |
$361 |
396 |
586 |
816 |
945 |
985 |
1,159 |
$7001 - 8000 |
$396 |
456 |
661 |
911 |
1045 |
1125 |
1309 |
$8001 - 9000 |
$446 |
506 |
731 |
1,021 |
1,170 |
1,260 |
1,459 |
$9001 - 10,000 |
$487 |
551 |
811 |
1,126 |
1,295 |
1,390 |
1,619 |
Additional daily fee for trips 32-365 days in length* |
$5 per person per day |
$6 per person per day |
$9 per person per day |
$12 per person per day |
$13 per person per day |
$14 per person per day |
$17 per person per day |
Additional amount for trip costs between $10,001 and $30,000** |
5% add'l for amounts above $10,000 |
6% add'l for amounts above $10,000 |
7% add'l for amounts above $10,000 |
8% add'l for amounts above $10,000 |
9% add'l for amounts above $10,000 |
10% add'l for amounts above $10,000 |
10% add'l for amounts above $10,000 |
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 purchase page
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.
TripProtector and TravelGap¬ products are marketed through Worldwide Insurance Services (WIS) (a Subsidiary of Highway to Health, Inc.), d/b/a HTH Worldwide Insurance Services, d/b/a Worldwide Insurance Services, Inc. of Virginia, d/b/a Worldwide Services Insurance Agency.
TripProtector and TripProtector Preferred are underwritten by Monumental General Casualty Company, under Policy Form # TAHC2000GPC; Certificate #TAHC2000GCC; or Stonebridge Casualty Insurance Company under Policy Form # TAHC5000GPS, Certificate # TAHC5000GCS; TripProtector is administered by HTH Administration Services.
TravelGap is underwritten by UNICARE Life & Health Insurance Company, 4533 LaTienda Drive, Thousand Oaks, CA 91362. NAIC # 842-80314. UNICARE is licensed in all states, the District of Columbia, and Puerto Rico. TravelGap is administered by HTH Worldwide Insurance Services.
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