HTH Voyager Essential: Frequently Asked Questions
Who should enroll in HTH Voyager Essential?
Is this plan managed by INF?
This plan is managed by HTH Travel Insurance, not the INF. INF Plans are underwritten by US Based Companies and have a 100% claims payment rate. Because we do not manage the HTH Travel Insurance plans, we do not have any insight on claims payments rates. We also do not produce the ID cards, certificates of insurance, or handle any of the claims for this plan.
Can I cancel this plan?
Ten Day Money Back Guarantee. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our product, simply return your Certificate or Policy of Coverage and Description of Emergency Medical Transportation and Other Services within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left on your trip or incurred a claim, you will receive a full refund.
Will HTH Voyager Cover Inside the US?
No. The HTHVoyager plans are designed to cover a member anywhere outside the U.S
Who do I reach to out about claims questions?
We contract with world class providers in over 180 countries. By visiting a contracted doctor or facility, we are able to arrange Direct Pay* so members can avoid having to pay up front for services.
3 easy options to arrange medical services and enjoy Direct Pay:
Will this plan cover pre-existing conditions?
Pre-existing medical conditions are treated differently depending upon the plan you have selected. The choice plan is available to those who have primary insurance inside the U.S. and will cover medical treatments for pre-existing conditions. Please refer to the definition of a primary health plan for more specific information on what plans qualify as a primary insurance.
Under the Essential plan, benefits are not available for any services received on or within 6 months after the Eligibility Date of an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section of the Plan Description. This exclusion does not apply to a Newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.
The pre-existing conditions exclusion under the Essential plan does not apply to the Medical Evacuation benefit, Repatriation of Remains benefit, or the Bedside Visit benefit. The Essential plan does not require that insureds have primary insurance at the time of enrollment.