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TravelGap® Voyager Insurance is a travel insurance plans that provides medical benefits while a person is temporarily away from Home. This Plan provides short-term, comprehensive medical coverage along with 24/7 Global Medical Assistance and travel assistance services.
 
TravelGap® Voyager Insurance provides a Policy Maximum of $50,000, $100,000, $500,000 or $1,000,000 per Insured Person.
$0, $100, $250 or $500 per Insured Person per Trip Period.
  • Outside the U.S. and Canada:
    For the Certificate Period, TravelGap® Voyager Insurance will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
Plan offers Medical expense coverage, Medical evacuation and Repatriation, Accidental Death benefit
Coverage for any one trip may not exceed 180 days.
Nationwide Mutual Insurance Company.
Claims processed by HTH Worldwide.
Eligibilty

An Eligible Participant or an Eligible Dependent must meet all of the following requirements. Must be:

  • a resident of the U.S.
  • under Age 75.
  • Is traveling outside the U.S. and is traveling at least 24 hours away from his/her Home.

Each Eligible Participant’s and his/her Eligible Dependent’s Period of Insurance starts on the latest of the following:

  • The Plan Effective Date;
  • 12:00:01am on the date or the postmark of the enrollment received by the Insurer;
  • 2:00:01 am on the date designated by the Eligible Participant in the enrollment form, if that date is after the Insurer receives the enrollment form.
  • 12:00:01 am on the date designated by the Group of which the Eligible Participant is a member.

The Insured Person’s coverage ends without notice from the Insurer on the earlier of:

  • the end of the last period for which premium payment has been made to the Insurer;
  • the date the Plan terminates;
  • the date the Maximum Period of Insurance Benefit of the Plan has been exhausted;
  • the date of fraud or misrepresentation of a material fact by the Insured Participant, except as indicated in the Time Limit on Certain Defenses provision
Plan Benefits

TravelGap® Voyager Insurance offers a broad range of benefits including:

  • Professional Services of Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab Office Visits: including X-rays and lab work billed by the attending physician.
  • Inpatient Hospital Services
  • Ambulatory Surgical Center
  • Ambulance Service (non Medical Evacuation)
  • Benefits for claims resulting from downhill (alpine) skiing and scuba diving
  • Outside the U.S. Outpatient prescription drugs
  • Dental Care required due to an Injury
  • Dental Care for Relief of Pain
  • Accidental Death And Dismemberment
  • Repatriation Of Remains
  • Medical Evacuation
  • Bedside Visit
Remarks
  • PPO Network: Insured members can select any hospital or physician of their choice.
  • Renewal: Coverage for any one trip may not exceed 180 days. One time extension, if staying over 180 days.
  • Cancellation: If you are not completely satisfied with the plan, simply return your Certificate of Insurance and your ID Card to HTH within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left for your trip before the date of your letter, you will receive a full refund.

Resources: International Travel guidelines issued by the US State Department of Travel.