A couple months ago I sent out a question about whether any of you have had experience with Insuremytrip/HTH Worldwide Travel Gap insurance. My husband had been hospitalized in France, and we had received a letter from HTH indicating they would not pay. I need to tell you the outcome: we are getting paid for the expenses we incurred. HTH's written mail is not impressive, but their phone service is excellent and through these contacts our claim has been processed. We are very pleased and would purchase this insurance again.
Posted by
Texan in CA
4415 posts
(whew!) Yea for you two! AND they kept a customer...who posts on a travel board...very smart ;-)
Posted by
San Francisco/Marin County
9436 posts
Thanks for the update Sharon! I wondered what the end result was. Glad to hear it turned out well.
Posted by
PA
2856 posts
I do not know if this would be the same set-up, but I feel that i must mention this. In the summer of 2008 our son was on a "Friendship Connection" visit to a student in Germany, the student had been here earlier that year on the program. We were required to have HTH insurance , and this insurance OVERRODE our own perfectly good insurance as soon as he boarded the first plane. Significant, because he was flown first from our home, Philadelphia, to O'Hare where the group flew to Germany. And he had an accident in the O'Hare waiting room, twisting an ankle. The airport forced him to go to the ER. Our insurance would have covered all but a $40 co-pay, no problem. It took well over a year before we could stop the dunning bills from the hospital and HTH made the payments to them.
Posted by
OP
Santa Rosa, CA, USA
1446 posts
I can't speak to what Larry said, but the way it was supposed to work for us is that HTH would pay us and then submit for us to our other insurances. We have Medicare and a supplement. The supplement did end up paying and HTH paid the balance. We learned this was the process from our phone conversations with HTH - what was in the written correspondence was confusing and not friendly - they were great on the phone. So HTH paid and our supplement did too since it covered international emergencies.
Posted by
Chicago
2876 posts
Eli, if you want to be covered for medical evacuation back to the states, look into MedjetAssist. For a $250. annual membership, they will fly you back from an overseas hospital to the hospital of your choice back home. They do not have one of those worrisome "medically necessary" clauses either. It is NOT health insurance; it is solely coverage for medical transport. If you're a member, you are also covered for medical transport within the US. Their website is www.medjetassist.com.
Posted by
PA
2856 posts
In our instance, HTH was supposed to handle this directly, and they completely messed up. It took several frustrating calls to get it corrected once the bills started. Had we been able to use OUR insurance there would never have been an issue. of course, they never should have taken him to the ER either. The group leadership messed up on that. And I was ultimately trying to take control of this after midnight from home, but that's a whole different issue.
I can not make any recommendations as our regular insurance works fine outside the US if we have an emergency, we pay and then are reimbursed based on standard copays and allowances.