HTH Worldwide
Trip Protector Preferred
Claim settlement is very disappointing. They didn't consider even additional $50 expenses apart from insured amount which I had to spend in preparation of trip for which I did provide appropriate receipt as well. Usually other insurance companies do consider this so DO NOT buy HTH worldwide trip insurance.
PRAJKTA K. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
HTH Worldwide
Trip Protector Preferred
Beware the small print!
I thought that since I broke my leg and could not travel, I could claim for trip cancellation. Since I rebooked dates eight weeks later, this apparently was a "postponement" not a "cancellation". So if you can't travel for a covered reason, consider abandoning the trip even if the cost is greater. Note that this is not a specific criticism of HTH, as Insure My Trip advised that other insurers apply the same, in my opinion very dubious interpretation, of the term "cancellation".
If you are hiring a car, you may be covered for Collision Damage Waiver under your credit card - but beware their small print, as coverage is generally limited to rentals of up to 31 days. So if you rely on HTH, note that their CDW clause and exclusions was apparently written some time in the last century by someone who knew nothing about cars. Leaving aside the farcical examples such as Bradley and Yugo in the "exotic cars" exclusion, there are some potentially serious problems. All four-wheel drive vehicles are automatically excluded, which would mean most popular SUV's are not covered. Also Fiat and Citroen, who manufacture predominantly cheap cars you may well encounter at some European Hertz and Avis branches, are bizarrely classified as "exotic vehicles" and thus not covered. Naturally in the unlikely event that you did rent a true exotic that commenced production in this century, such as McLaren, Koenigsegg or Tesla, these would apparently be covered.
I thought that since I broke my leg and could not travel, I could claim for trip cancellation. Since I rebooked dates eight weeks later, this apparently was a "postponement" not a "cancellation". So if you can't travel for a covered reason, consider abandoning the trip even if the cost is greater. Note that this is not a specific criticism of HTH, as Insure My Trip advised that other insurers apply the same, in my opinion very dubious interpretation, of the term "cancellation".
If you are hiring a car, you may be covered for Collision Damage Waiver under your credit card - but beware their small print, as coverage is generally limited to rentals of up to 31 days. So if you rely on HTH, note that their CDW clause and exclusions was apparently written some time in the last century by someone who knew nothing about cars. Leaving aside the farcical examples such as Bradley and Yugo in the "exotic cars" exclusion, there are some potentially serious problems. All four-wheel drive vehicles are automatically excluded, which would mean most popular SUV's are not covered. Also Fiat and Citroen, who manufacture predominantly cheap cars you may well encounter at some European Hertz and Avis branches, are bizarrely classified as "exotic vehicles" and thus not covered. Naturally in the unlikely event that you did rent a true exotic that commenced production in this century, such as McLaren, Koenigsegg or Tesla, these would apparently be covered.
Philip M. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
HTH Worldwide
Trip Protector Preferred
I purchased the plan for my daughter's 10 day visit to London, Ireland, and Scotland. Thankfully, she did not have to use the plan. She had some near misses with flights and luggage which I knew the plan would cover if needed. .Most of all, I knew she would have the resources to evacuate in the event of a terrorist attack. The plan gave me great peace of mind for a very reasonable price.
Anna M. would
recommend this plan to a friend or relative.
The trip included a
tour
HTH Worldwide
Trip Protector Preferred
The customer service agent I contacted was very responsive and helpful when I needed to see a doctor in Vietnam. I assume I won't be receiving any additional bills, and if so...I'm 100% satisfied!
Denise W. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
Communication with the company over the email connections did not work. Tryed at least 7 to 9 times to reset password. Never did get it to work. Called the company directly, and they requested information that was not needed, and had to resend duplicate paperwork. In the end, I mailed well over 25 documents, some more than once. Finally on about the 3rd call, I walked step by step our claim. At that point, lady made more notes, but it took an additional couple of weeks to get paid. Should not have been that hard, during this difficult process, I would have liked HTH to call me, instead of their web mail, which I could not get to work. In the end, I got about 90% of what I claimed, so I guess that is ok.
Russell Z. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Mike
Thank you for your feedback on the policy. We are sorry that you were dissatisfied with your claim experience. We are pleased that you ultimately received reimbursement of your loss. We do want you and your fellow customers to be aware that InsureMyTrip offers a Customer Advocate Program. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim. Requesting a Customer Advocate is as simple as calling 800-487-4722 or emailing [email protected], explaining the events which resulted in a claim, and the challenges you are facing.May 06,2017 -
Crystal Gross
HTH Worldwide
Hello and thank you for your feedback. Your original claim was received via postal mail in March and we requested additional documentation after it was reviewed. We received your additional documents and the claim was reprocessed in the beginning of April. Our claims turnaround time is 3-4 weeks from when the documents are received. For any additional inquires please send an email to customer service at [email protected] for assistance.
Thank you,
HTH Worldwide
May 09,2017
The trip included a
cruise
HTH Worldwide
Trip Protector Preferred
This is the second time we have used HTH Worldwide for a trip and we have been very satisfied. The coverage is amazing for the price. We are using them again next month for a trip as well.
Jaeda B. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
Did not have to use the plan. The coverage purchase would have satisfied our requirements.
Edward K. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
After looking at the many different Travel insurance online and reviewing all the details and reviews of each one I decided to choose HTH Worldwide Trip Protector Preferred Plan because it had most the coverage I was looking for and the price was reasonable. The good reviews helped me to feel secure and confident that they will do a good job if ever I have to file a claim. The representatives of insure trip that answered my questions online and on the phone were very knowledgeable and helpful as well. All my questions were answered and the turnaround time for the information I wanted to clarify were addressed right away and I was able to purchase the insurance two days before my scheduled trip. Although I didn't have to file a claim, I trusted that HTH would have been very helpful if some emergency occured during my trip and I needed their immediate assistance.
Joy
Joy
Josefina T. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Preferred
Fast claims processing, good coverage compared to the competition.
Jade N. would
recommend this plan to a friend or relative.
The trip included a
cruise
HTH Worldwide
Trip Protector Preferred
Glad I purchased it and thankful we didn't have to use it. Piece of mind is priceless.
Jaeda B. would
recommend this plan to a friend or relative.
"Hello and thank you for your feedback. Our claims department confirmed that they have processed and paid your claims according to the benefits outlined on your certificate of coverage. If you have any questions please contact customer service by phone at 1-844-276-1213 or by email at [email protected].
Thank you,
HTH Worldwide "