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TravelGap Excursion short term medical plan insures the health of the employee who must work outside of the United States for up to six months. This plan is the alternative to paying for an annual plan or risk going without medical coverage on that months long overseas assignment.
TravelGap Excursion provides a Policy Maximum of up to $1,000,000.
$0, $100, $250, or $500 per Insured Person per Trip Period.
No co-insurance; After the deductible is satisfied, benefits are paid for covered expenses as per the defined medical benefits.
Coverage is per trip not to exceed 180 days.
TravelGap Excursion is limited to 180 days outside of the US and is nonrenewable.
TravelGap Excursion is underwritten by HM Life Insurance Company and UNICARE Life and Health Insurance Company.
TravelGap Excursion is administered by HTH Worldwide.

An insured person must be a resident of the U.S. under age 85, traveling outside the U.S, scheduled to spend at least 24 hours away from his/her Home and enrolled in a primary health plan.

Trip Coverage Period Start Date: For a scheduled trip to a Foreign Country, the Insured Person’s coverage starts when he/she boards a conveyance at the start of the trip.

Trip Coverage Period End Date: Coverage ends: (1) for a scheduled trip to a Foreign Country, when the Insured Person alights from a conveyance at the completion of the trip; or (2) if the Insured Person is covered under the Medical Evacuation Benefit, upon the Insured Person’s evacuation to his/her Home Area.

Plan Benefits

TravelGap Excursion offers a broad range of benefits including:

  • Coverage for professional services such as surgery, radiation therapy, inpatient doctor visits, X-ray and lab etc.
  • Emergency Medical Evacuation coverage of up to $500,000;
  • Repatriation of Remains;
  • Bedside Visit for one person up to $1,500;
  • Accidental Death and Dismemberment with options up to $50,000;and,
  • Dental Care for Relief of Pain or due to an injury.