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HTH Trip Protector Trip Cancellation and Interruption Insurance with option for ‘Cancel For Any Reason’

HTH Trip Protector Trip Cancellation and Interruption Insurance with option for ‘Cancel For Any Reason’

Travel insurance offering trip cancellation coverage, including a benefit option that covers pre-existing medical conditions for U.S. travelers

Why we like it:

The HTH Trip Protector offers travelers a refundable “cancel for any reason option,” up to 75% of the total trip cost if coverage is purchased within 10 days of the initial trip deposit.

It offers premium levels of trip cancellation coverage. And it’s usually our most cost effective travel insurance with trip cancellation for any reason plan for U.S. residents traveling abroad. It covers up to 125% of trip costs, and the Preferred option has a pre-existing condition waiver if purchased up to 21 days from your initial trip deposit.

Choose from three options to fit you best – Preferred ($500,000/$1,00,000), Classic ($250,000 / $1,000,000), or Economy ($75,000 / $500,000).

 

Good for:

  • Covers up to 125% of trip costs
  • Optional Trip Cancellation Coverage For Any Reason
  • Direct pay to hospitals and doctors and premium level of coverage
  • For U.S. residents – Usually our most cost effective plan
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Tourist enjoying their vacation in Vietnam thankful they purchased travel medical insurance

More about Trip Protector

Highlights

Trip Cancellation cancel for any reason recovers trip costs

Protect your health and your travel investment with great travel insurance with trip cancellation for any reason. This plan is also for those required to pay non-refundable trip deposits or flights. Protect your finances and insure your travel costs.

This HTH Trip Cancellation plan has three choices:
Preferred, Classic, and Economy

Trip Protector Preferred:

Click to view plan features

Trip Protector Preferred:
  • Trip cancellation coverage up to $50,000/Trip interruption up to 200% of trip cost
  • $500,000 medical for sickness and injury/$1,000,000 medical evacuation
  • All the TripProtector Economy and Classic coverage below, plus “Cancel for Any Reason” (optional).
  • “Cancel For Any Reason” trip cancellation option is only available if policy is purchased within 10 days of initial travel payment/deposit.
  • Covered Reasons for Cancellation – Preferred
  • Pre-existing condition exclusion waiver if purchased within 21 days of initial trip deposit.

 

Preferred Benefits include:

  • Trip Cancellation 100% up to a $50,000 max
  • Trip Interruption 200% Trip Cost
  • Pre-existing Conditions can be covered if insurance is purchased prior to or within 21 day from initial deposit
  • Trip Cancellation cancel for any reason (Optional – Not available in NH, NY, WA) 75% reimbursement available if policy is purchased within 10 days of initial travel payment/deposit.
  • Baggage and Personal Effects $500 per item, $2,000 max
  • Baggage Delay 12 hrs, $400
  • Trip Delay ($250 Daily Limit) 6 hrs, $1,500 max
  • Collision Damage Waiver ( Not available in NY, OR, TX)
    $35,000
  • Missed Connection $1,000
  • Maximum sickness or accident benefit per person $500,000
  • Doctor Inpatient/outpatient 100%
  • Outpatient prescription drugs outside U.S. 100%
  • AD&D benefit $50,000
  • AD&D – Common carrier $100,000
  • Medical evacuation $1,000,000USD
  • Beside visit – Economy RT ticket up to $1500
  • Repatriation of remains $25,000
  • Direct pay to providers and more


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Trip Protector Classic:

Click to view plan features

Trip Protector Classic:
  • Trip cancellation coverage up to $25,000/Trip interruption up to 150% of trip cost
  • $250,000 medical for sickness and injury/$1,000,000 medical evacuation
  • Includes all TripProtector Economy coverages, plus Natural disaster, terrorist incident and bankruptcy.
  • Pre-existing condition exclusion waiver if purchased within 14 days of initial trip deposit.
  • Covered Reasons for Cancellation – Classic

 

Classic Benefits include:

  • Trip Cancellation 100% up to a $25,000 max
  • Trip Interruption 150% Trip Cost
  • Pre-existing Conditions can be covered if insurance is purchased prior to or within 14 days of initial deposit
  • Baggage and Personal Effects $250 per item, $1,000 max
  • Baggage Delay 12 hrs, $200
  • Trip Delay ($200 Daily Limit) 6 hrs, $1,000 max
  • Missed Connection $500
  • Maximum sickness or accident benefit per person $250,000
  • Doctor Inpatient/outpatient 100%
  • Outpatient prescription drugs outside U.S. 100%
  • AD&D benefit $25,000
  • AD&D – Common carrier $50,000
  • Medical evacuation $1,000,000USD
  • Beside visit – Economy RT ticket up to $1500
  • Repatriation of remains $25,000
  • Direct pay to providers and more


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Trip Protector Economy:

Click to view plan features

Trip Protector Economy:

  • Trip cancellation coverage up to $5,000/Trip interruption up to 125% of trip cost
  • $75,000 medical for sickness and injury/$500,000 medical evacuation
  • Coverage for sickness, injury or death of you or traveling companion, traffic accident, employer transfer and more…
  • Covered Reasons for Cancellation – Economy

Economy Benefits include:

  • Trip Cancellation coverage 100% up to a $5,000 max
  • Trip Interruption 125% Trip Cost
  • Pre-existing Conditions are not covered under Economy
  • Baggage and Personal Effects $250 per item, $750 max
  • Baggage Delay 24 hrs, $100
  • Trip Delay ($100 Daily Limit) 8 hrs, $500 max
  • Maximum sickness or accident benefit per person $75,000
  • Doctor Inpatient/outpatient 100%
  • Outpatient prescription drugs outside U.S. 100%
  • AD&D benefit $25,000
  • Medical evacuation $500,000USD
  • Beside visit – Economy RT ticket up to $1500
  • Repatriation of remains $15,000
  • Direct pay to providers and more

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Pre-Existing Conditions:

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Pre-existing conditions:

Consider Classic (Waiver available if purchased within 14 days of initial deposit) or
Preferred (Waiver available if purchased within 21 days of initial deposit).

Economy has a 6 month Pre-Existing Condition Exclusion. If you are looking for a pre-existing condition exclusion waiver, please look at our TripProtector Classic and Preferred plans.

A Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, or a Family Member booked to travel with You. It includes:

1) Exhibited symptoms that would have caused one to seek care or treatment. Or 2) Received or received a recommendation for a test, examination, or medical treatment. Or 3) Took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date.

The Pre-Existing conditions exclusion is waived if You (a) enroll in this Certificate within fourteen (14) days of the initial trip deposit (for Classic) or within twenty one (21) days of the initial trip deposit (for Preferred). (b) Purchase this Certificate for the full cost of your trip. (c) And are medically able to travel at the time the premium is paid.

Eligibility

Who is eligible to purchase a TripProtector Classic or TripProtector Preferred policy?

  • Home Country is the U.S.
  • Is traveling outside the U.S. or is traveling away from his/her home and is scheduled to spend at least 24 hours away from his/her home
  • For children under age 6, must be enrolled with a parent
  • Initial purchase must be made in home country prior to departing on trip

 

Who is eligible to purchase a TripProtector Economy policy?

  • Home Country is the U.S.
  • Under age 71
  • Is traveling outside the U.S. or is traveling from his/her home and is scheduled to spend at least 24 hours away from his/her home
  • For children under age 6, must be enrolled with a parent
  • Initial purchase must be made in home country prior to departing on trip

Adventure/extreme sports are not covered:

For the Trip Protector plans our filed definition for Extreme Sports (which are excluded) is: Extreme Sports means an athletic pursuit that involves a high degree of danger or risk.

HTH Worldwide’s interpretation of this is that kayaking, horseback riding and zip-lining are not Extreme Sports and therefore would be covered.

They do not view indoor rock climbing as Extreme. But the traditional outdoor rock climbing involving the scaling of cliffs is more in line with mountaineering and is certainly more dangerous. That activity would be considered Extreme and would be excluded.

“Can I buy a TripProtector plan after departure?”

“I already left on my trip. Can I buy a TripProtector plan after departure?”

No. These plans are only sold to customers purchasing from inside the U.S.A.

Comparing The Three Trip Protector Plans

Insurance Coverage TripProtector Economy TripProtector Classic TripProtector Preferred
Trip Cancellation Up to $5,000 Up to $25,000 Up to $50,000
Cancel For Any Reason (Optional)
Not Available in NH, NY, WA
N/A N/A N/A
Missed Connection N/A $500 $1,000
Trip Interruption 125% of tour cost 150% of tour cost 200% of tour cost
Maximum Sickness and Accident Coverage Limits Per Person $75,000 $250,000 $500,000
Maximum Emergency Medical Transportation Coverage $500,000 per person $1,000,000 per Person $1,000,000 per Person
Baggage Loss/Damage Up to $750 Up to $1,000 Up to $2,000
Baggage Delay 24 hrs. $100 12 hrs. $200 12 hrs. $400
Trip Delay Up to $500 Up to $1,000 Up to $1,500
Collision Waiver
Not Available in NY, OR, TX
N/A N/A $35,000
Pre-existing Conditions Covered
60 days prior to your Effective Date
No Yes
Pre-x waiver 14 days from initial deposit
Yes
Pre-x waiver 21 days from initial deposit

Additional Information

  • Preferred – Reasons for Trip Cancellation
  • Classic – Reasons for Trip Cancellation
  • Economy – Reasons for Trip Cancellation

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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