World-Class Health Insurance for Wherever Life Takes You

Typically, no. Most domestic U.S. health plans, including employer-sponsored coverage and individual marketplace plans, offer little to no coverage outside of the United States. Even if a plan offers "emergency" out-of-network care, you are usually required to pay 100% of the costs out-of-pocket upfront and file for highly restricted reimbursements later.

Direct billing means that BCBS Global Solutions coordinates directly with the international hospital or doctor to pay your medical bills. Unlike generic travel policies that force you to drain your bank account or max out credit cards on foreign hospital deposits, our hand-picked network coordinates cashless care so you can focus entirely on recovery.

Standard Original Medicare (Part A and Part B) does not provide coverage for healthcare services outside the United States. While some Medigap or Medicare Advantage plans offer minor foreign travel emergency benefits, they carry strict lifetime limits (usually $50,000) and substantial deductibles. A specialized Multi-Trip plan bridges this gap comprehensively.

The Single Trip Gold plan is a standalone policy that does not require you to have a primary domestic health insurance plan in the U.S., making it incredibly flexible. The Platinum plan requires a primary U.S. health plan but rewards you with higher maximum coverage limits and includes robust protection for pre-existing medical conditions.

If you suffer a severe injury or illness in an area without localized medical facilities equipped to treat your condition, emergency medical evacuation coverage steps in. BCBS Global Solutions will coordinate and cover the massive logistical costs of air ambulance transport to the nearest qualified, highly rated medical facility or back home to the United States.

Yes, under specific plan tiers. For short-term travel, the Single-Trip Platinum plan includes coverage for pre-existing conditions provided you have a primary domestic health plan. For frequent travelers, Multi-Trip plans cover pre-existing conditions seamlessly. For expats, long-term plans can cover them with proper proof of prior continuous health coverage.

Every policy includes complete integration with our mobile application. Through the app, you can seamlessly connect with global doctors for 24/7/365 unlimited telemedicine consultations at zero extra cost, view detailed profiles of localized, board-certified physicians, and instantly translate medical terms or prescriptions into the local language.

Yes, the pre-existing condition exclusion can be completely waived. To qualify, you must purchase the Trip Protector Classic plan within 14 days, or the Trip Protector Preferred plan within 21 days of making your initial trip deposit. Additionally, you must insure the full non-refundable cost of your travel arrangements and be medically able to travel at the time of purchase.

No, you do not. Unlike short-term medical policies that require a primary U.S. health plan to unlock higher limits, both the Trip Protector Classic and Preferred plans provide robust **primary medical coverage** while you are traveling. This means HTH will pay your emergency international medical claims first, without forcing you to coordinate or file with a domestic insurer back home.

HTH Worldwide features an elite Direct Billing program designed to eliminate out-of-pocket stress. If you require medical care while traveling overseas, simply locate an in-network facility through the mobile app and notify HTH at least 24 hours prior to your appointment. HTH will coordinate payment arrangements directly with the foreign hospital or clinic, ensuring cashless care whenever possible.

To be eligible for enrollment, your primary home country must be the United States. The policy must be purchased in the U.S. prior to your official departure date, and your travel itinerary must include spending at least 24 consecutive hours away from your home community. Every policy also includes a 10-day money-back guarantee (free look period) if you decide to cancel before traveling.

Cancel For Any Reason (CFAR) is an optional premium upgrade available exclusively on the Trip Protector Preferred tier. It allows you to cancel your travel plans up to two days before your scheduled departure date for literally any reason—even if it is not a standard covered event—and receive a 75% refund of your non-refundable trip costs. CFAR must be selected within 21 days of your initial trip deposit.