HTH Worldwide TravelGap Voyager

The HTH TravelGap Voyager plan resembles the TravelGap Excursion plan. It is a single-trip travel medical insurance plan that covers trips up to 180 days in length. One large difference is this travel medical plan does not require that you are enrolled into a primary health insurance in order to be eligible for coverage.

Also unlike the TravelGap Excursion, the TravelGap Voyager plan includes a pre-existing condition look back period of 180 days. This means that in the event of a claim, the travel insurance company will exclude coverage for anything that is related medical advice, diagnosis, care or treatment within the 180 days prior to the effective date of coverage.

If you are looking for a plan with a little flexibility in the level of medical coverage you have while traveling, you’ll probably be interested in this plan. The TravelGap Voyager plan allows you to select your medical limit prior to purchasing the plan. It also allows you to choose your plan deductible to best fit your out of pocket budget.

The plan also includes the Direct Billing program. If you choose a provider within the HTH elite provider network and inform them 24 hours or more prior to the appointment, (or use HTH representatives to make the appointment for you) they may pay for your medical care up front. This can help you avoid a claims process.

Along with offering coverage for your medical needs while traveling, the TravelGap Voyager plan has limited coverage if your trip is shortened due to covered medical reasons, a terrorist event or an imminent threat to your personal safety. This coverage will help to offset the cost of changing an airline or ground transportation ticket, of the same class, to return home. You will find all the details in the full certificate of the plan.

You must not have yet departed on your trip to be eligible for coverage. This coverage is only available prior to your departure of the United States.