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This is a long page – You get lots of information and prices |
| Hi Steve: I just wanted to let you know that we have received the HTH 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 & Han T., Slidell, Louisiana |
Click here if you are looking for the HTH TripProtector Economy plan
The HTH TripProtector Classic and Preferred plans
have their strengths & quibbles:
| Why Buy It? | Quibbles |
 TripProtector Classic has $250,000 Secondary Emergency Medical coverage |
Baggage coverage excludes telephones, tablets, laptops, PDAs, computer hardware or software |
| TripProtector Preferred has $500,000 Secondary Emergency Medical coverage |
Your Scheduled Departure Date must be no more than fifteen (15) months beyond your policy Purchase Date |
| You have to buy the TripProtector plan within 14 calendar days after your initial trip deposit date to get pre-existing condition coverage |
You have to insure your full prepaid non-refundable trip costs to qualify for the pre-existing condition coverage |
| You have to buy the TripProtector Preferred plan within 21 calendar days after your initial trip deposit date to get pre-existing condition coverage |
Not available to residents of Puerto Rico |
| You get a 150% trip interruption benefit with TripProtector Preferred |
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| The HTH plans cover stable pre-existing medical conditions of family members who are not travelling with you. |
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| Both HTH plans have a 60 day Lookback Period for pre-existing conditions |
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| If you use a network provider HTH can pay your medical bills directly payment to a medical facility if needed to secure Your admission |
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| You have a 10 day Free Look Period |
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| The maximum trip cost you can cover is $30,000 per person |
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| HTH’s maximum trip length is 90 days. You do not have to insure the full length of your trip. |
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| Trips to Cuba are covered |
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| HTH is 1 of the few 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 $500,000 Secondary Emergency Medical, up to $1,000,000 Emergency Medical Evacuation and up to 150% Trip Interruption. 10 day money back smile of satisfaction guarantee. Available to US residents only. You can have up to ten (10) Travelers on an HTH policy.
HTH Trip Protector Certificates of Coverage:
Please select the appropriate Certificate: (you can view them with the free Adobe Acrobat Reader).
| TripProtector Certificate | TripProtector Preferred Certificate |
| TripProtector Evacuation Details | TripProtector Preferred Evacuation Details |
| A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired HTH TripProtector or TripProtector Preferred Certificate of Coverage. You may click on the link to view or download it. | |
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Click here to go to TripProtector’s secure online order form
The HTH Trip Protector plans cover: |
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| Plan Name | Trip Protector | Trip Protector Preferred |
| Secure online order form link (you don’t pay extra fees using us) | HTH’s Trip Protector and Trip Protector Preferred Secure Online Order Form | |
| Who can get this? | Any US resident | |
| Money Back Guarantee | 10 days | |
| Trip Cancellation (per person) | Up to the insured amount | |
| Trip Interruption (per person) | Up to 100% of the trip cost | Up to 150% of the trip cost |
| Secondary Emergency Medical (Policy Maximum) | $250,000 | $500,000 |
| Emergency Dental Treatment for Accidental Injury (per person) | Included in Emergency Medical | |
| 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 | Your Initial Trip Deposit Date plus 15 calendar days | Your Initial Trip Deposit Date plus 21 calendar days |
| Pre-Existing Condition Lookback Period | 60 Days (6 months for NV residents) | |
| Travel Baggage (per person) | $1,000 Secondary | $2,000 Secondary |
| Baggage Delay (per person) | $200 (after 12 hours) | $400 (after 12 hours) |
| Trip Delay (per person after 6 hours) | up to $1,000 (after 6 hours) $200 per day | up to $1,500 (after 6 hours) $250 per day |
| Missed Connection (per person) | $500 (after 3 hours) en route to cruise | $1,000 (after 3 hours) en route to cruise |
| Flight Accident Insurance (per person) | $50,000 | $100,000 |
| Additional Flight Accident Insurance (per person) | You can get up to $1,500,000 per traveler as separate plans | |
| Rental Car Collision / Loss Damage Waiver | Yes, as a separate plan | $35,000 (Except NY, OR, TX residents) |
| 24-hour Assistance Services | Included | |
| Travel Supplier Financial Default | 10 Day Wait | |
| Terrorist Incident coverage in Itinerary City | “a Terrorist Incident that occurs within 30 days of Your Scheduled Departure Date in a city listed on the itinerary of Your Trip. The Terrorist Incident must occur after the Effective Date of Your Trip Cancellation Coverage.” | |
| Insurance Underwriter | Nationwide Insurance Company (A+ Rated) | |
| Secure online order form link (you don’t pay extra fees using us) | HTH’s Trip Protector and Trip Protector Preferred Secure Online Order Form | |
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Here are the HTH Trip Protector Plan prices:
Take note of this important HTH Trip Protector Plan pricing information:
- The table contains rates for Trip costs up to $25,000 per person
- It’s the same price for a trip of up to 31 days
- The 4th to last row has the daily per person rates for a 32 – 90 days’ trip
- Here’s the TripProtector’s secure online order form
The HTH TripProtector Plan Prices: |
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| Per Person Trip Cost |
Ages 0 – 50 | Ages 51 – 60 | Ages 61 – 65 | Ages 66 – 70 | Ages 71 – 75 | Ages 76 – 80 | Ages 81+ | |
| $1 – $500 | $40.60 | $48.96 | $53.22 | $65.68 | $83.60 | $102.70 | $154.06 | |
| $501 – $1,000 | $53.74 | $70.46 | $76.59 | $87.18 | $123.01 | $157.64 | $226.91 | |
| $1,001 – $1,500 | $66.88 | $96.73 | $105.15 | $115.84 | $167.19 | $218.55 | $290.20 | |
| $1,501 – $2,000 | $81.21 | $115.84 | $125.92 | $149.28 | $217.35 | $286.62 | $392.91 | |
| $2,001 – $2,500 | $100.32 | $146.89 | $159.67 | $187.50 | $257.96 | $383.35 | $397.68 | |
| $2,501 – $3,000 | $120.62 | $167.19 | $181.74 | $214.96 | $302.14 | $406.04 | $548.16 | |
| $3,001 – $3,500 | $140.92 | $193.47 | $210.30 | $236.46 | $406.04 | $482.47 | $611.45 | |
| $3,501 – $4,000 | $154.06 | $219.74 | $238.86 | $285.42 | $434.70 | $527.86 | $746.40 | |
| $4,001 – $4,500 | $181.52 | $247.21 | $268.72 | $347.52 | $515.91 | $689.08 | $874.19 | |
| $4,501 – $5,000 | $201.83 | $279.45 | $303.77 | $382.16 | $552.93 | $727.29 | $944.65 | |
| $5,001 – $5,500 | $235.27 | $320.06 | $347.90 | $451.42 | $589.96 | $803.73 | $1,072.43 | |
| $5,501 – $6,000 | $268.70 | $366.63 | $398.53 | $493.22 | $671.16 | $850.30 | $1,111.84 | |
| $6,001 – $6,500 | $315.28 | $433.51 | $471.23 | $520.69 | $701.02 | $880.16 | $1,191.85 | |
| $6,501 – $7,000 | $369.02 | $472.92 | $514.06 | $591.15 | $773.87 | $957.78 | $1,255.15 | |
| $7,001 – $8,000 | $403.65 | $486.06 | $528.34 | $604.29 | $870.60 | $1,056.90 | $1,390.10 | |
| $8,001 – $9,000 | $470.53 | $632.95 | $688.02 | $798.95 | $996.00 | $1,187.08 | $1,548.93 | |
| $9,001 – $10,000 | $537.41 | $699.83 | $760.71 | $833.58 | $1,068.85 | $1,263.51 | $1,627.75 | |
| Additional amount for trip costs between $15,001 – $100,000 Multiply the following amounts by your trip cost to get the price: |
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| $10,001 – 15,000 | 0.0597 | 0.0776 | 0.0844 | 0.0955 | 0.1135 | 0.1314 | 0.1672 | |
| $15,001 – 20,000 | 0.0657 | 0.0836 | 0.0909 | 0.1015 | 0.1194 | 0.1373 | 0.1732 | |
| $20,001 – 25,000 | 0.0657 | 0.0836 | 0.0909 | 0.1015 | 0.1194 | 0.1373 | 0.1732 | |
| * 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 | ||||||||
More HTH Pricing Factors |
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| Destination | Rate Factor | Purchase To Departure Lag | Rate Factor | ||
| USA, Canada & Europe | 0.96 | 0-30 days | 0.9 | ||
| Caribbean & Mexico | 0.94 | 31-90 days | 0.95 | ||
| All other | 1.0 | 91 & more days | 1.04 | ||
Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
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 table contains rates for Trip costs up to $50,000 per person
- It’s the same price for a trip of up to 31 days
- The 4th to last row has the daily per person rates for a 32 – 90 days’ trip
- Here’s the TripProtector Preferred’s secure online order form
The HTH TripProtector Preferred Plan Prices: |
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| Per Person Trip Cost |
Ages 0 – 50 | Ages 51 – 60 | Ages 61 – 65 | Ages 66 – 70 | Ages 71 – 75 | Ages 76 – 80 | Ages 81 + | |
| $1 – $500 | $48.56 | $58.56 | $63.65 | $78.56 | $99.98 | $122.83 | $184.25 | |
| $501 – $1,000 | $64.27 | $84.27 | $91.60 | $104.26 | $147.11 | $188.53 | $271.37 | |
| $1,001 – $1,500 | $79.98 | $115.69 | $125.76 | $138.54 | $199.96 | $261.38 | $347.07 | |
| $1,501 – $2,000 | $97.12 | $138.54 | $150.60 | $178.54 | $259.95 | $342.79 | $469.91 | |
| $2,001 – $2,500 | $119.98 | $175.68 | $190.96 | $224.24 | $308.51 | $458.48 | $475.62 | |
| $2,501 – $3,000 | $144.26 | $199.96 | $217.36 | $257.09 | $361.36 | $485.62 | $655.58 | |
| $3,001 – $3,500 | $168.54 | $231.38 | $251.51 | $282.80 | $485.62 | $577.03 | $731.28 | |
| $3,501 – $4,000 | $184.25 | $262.80 | $285.67 | $341.36 | $519.90 | $631.30 | $892.68 | |
| $4,001 – $4,500 | $217.10 | $295.66 | $321.38 | $415.63 | $617.02 | $824.12 | $1,045.51 | |
| $4,501 – $5,000 | $241.38 | $334.22 | $363.30 | $457.05 | $661.30 | $869.83 | $1,129.78 | |
| $5,001 – $5,500 | $281.37 | $382.78 | $416.08 | $539.89 | $705.57 | $961.24 | $1,282.60 | |
| $5,501 – $6,000 | $321.36 | $438.48 | $476.63 | $589.88 | $802.70 | $1,016.94 | $1,329.74 | |
| $6,001 – $6,500 | $377.07 | $518.47 | $563.57 | $622.73 | $838.40 | $1,052.65 | $1,425.43 | |
| $6,501 – $7,000 | $441.34 | $565.60 | $614.81 | $707.00 | $925.53 | $1,145.49 | $1,501.13 | |
| $7,001 – $8,000 | $482.76 | $581.31 | $631.89 | $722.71 | $1,041.22 | $1,264.03 | $1,662.53 | |
| $8,001 – $9,000 | $562.75 | $756.99 | $822.85 | $955.52 | $1,191.19 | $1,419.72 | $1,852.49 | |
| $9,001 – $10,000 | $642.73 | $836.98 | $909.79 | $996.94 | $1,278.32 | $1,511.13 | $1,946.76 | |
| Additional amount for trip costs between $15,001 – $100,000 Multiply the following amounts by your trip cost to get the price: |
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| $10,001 – 15,000 | 0.0714 | 0.0928 | 0.1009 | 0.1143 | 0.1357 | 0.1571 | 0.2000 | |
| $15,001 – 20,000 | 0.0786 | 0.1000 | 0.1087 | 0.1214 | 0.1428 | 0.1634 | 0.2071 | |
| $20,001 – 25,000 | 0.0786 | 0.1000 | 0.1087 | 0.1214 | 0.1428 | 0.1634 | 0.2071 | |
| $25,001 – 50,000 | 0.0857 | 0.1071 | 0.1164 | 0.1285 | 0.1500 | 0.1714 | 0.2142 | |
| * 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 | ||||||||
More HTH Pricing Factors |
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| Destination | Rate Factor | Purchase To Departure Lag | Rate Factor | ||
| USA, Canada & Europe | 0.96 | 0-30 days | 0.9 | ||
| Caribbean & Mexico | 0.94 | 31-90 days | 0.95 | ||
| All other | 1.0 | 91 & more days | 1.04 | ||
Click here to go to TripProtector Preferred’s secure online order form
Short Term Single Trip
GeoBlue Voyager Essential: GeoBlue Voyager Essential
GeoBlue Voyager Choice: GeoBlue Voyager Choice
Short Term Multi Trip
GeoBlue Trekker Essential: GeoBlue Trekker Essential
GeoBlue Trekker Choice: GeoBlue Trekker Choice
Standard Expatriate
GeoBlue Xplorer Essential: GeoBlue Xplorer Essential
GeoBlue Xplorer Premier: GeoBlue Xplorer Premier
Crew and Mission Expatriate
GeoBlue Navigator Crew: GeoBlue Navigator Crew
GeoBlue Navigator Missionary: GeoBlue Navigator Missionary
Short Term Single/Multi Trip
TravelGap: TravelGap
Standard Expatriate
Global Citizen: Global Citizen
Global Citizen EXP: Global Citizen EXP
TripProtector: TripProtector and TripProtector Preferred
Ready to Purchase? It's easy and safe to purchase online or over the phone - just call Deanna, Kim or Steve at 888-407-3854 or 507-214-3854.
PS - Read Steve's Blog or you may Subscribe to Steve's blog here
PPS - Even though TripInsuranceStore.com is the world's most informative travel insurance website, you are still responsible to know the coverage terms, conditions, limitations, and exclusions of your plan. No comments or explanations confirm or deny coverage. You need to refer to each plan's policy wording.
PPPS - The Trip Cancellation coverage begins at 12:01 a.m. on the day after the date the policy is purchased. All other coverages begin when you leave home for your trip when your departure date is in the future.
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