9am - 8pm EST (Mon - Fri)
12pm - 5pm EST (Sat - Sun)
TravelGap ® China provides international health insurance for trips lasting up to 6 months, including a complete set of services to help you identify, access and pay for quality healthcare services in China.
TravelGap ® China provides a Maximum Benefit per Insured Person per policy period of US$1,000,000
No deductible.
  • Outside the U.S. and Canada:
    For the Certificate Period, TravelGap ® China will pay 100% of Eligible Expenses up to the Overall Maximum Limit.
  • In USA
    You can only purchase TravelGap ® China prior to departing on your trip.
No optional coverage.
TravelGap ® China can be purchased for trip up to 6 months and is a nonrenewable plan. Subsequent periods of insurance can be purchased, in which case new eligibility will apply.
TravelGap ® China is underwritten by HM Life Insurance Company.
TravelGap ® China For China is administered by HTH Worldwide, Inc.

To be eligible for TravelGap ® China an Insured Person must be

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

Coverage becomes effective when the insured boards a conveyance at the start of the trip.

Coverage ends:

  • for a scheduled trip to a Foreign Country, when the Insured Person alights from a conveyance at the completion of the trip; or
  • 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® China offers a broad range of benefits including:

  • Surgery, anesthesia, radiation therapy, inpatient doctor visits, X-ray and lab
  • Office visits, including X-rays and lab
  • Inpatient medical emergency
  • Ambulatory surgical center
  • Ambulance service
  • Claims resulting from downhill skiing and scuba diving
  • Outpatient prescription drugs outside the U.S.
  • Dental care required due to an injury
  • Dental care for relief of pain
  • Accidental Death and Dismemberment Pays Without a Deductible
  • Repatriation of Remains
  • Medical Evacuation to hospital of choice
  • Bedside Visit
  • PPO Network: Benefits for services and supplies received from Foreign Country Providers are covered. The Insured Person may seek the assistance of HTH in locating a provider.

  • Renewal: Subsequent periods of insurance can be purchased, in which case new eligibility will apply.

  • Cancellation:If you are not completely satisfied with your TravelGap ® China purchase, return your ID card to HTH within 10 days of receipt and include a letter indicating your desire to cancel. If you have not departed on your trip before the date of the letter, you will receive a full refund.

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