TravelGap Travel Insurance

TravelGap Vacationer

Health Insurance and Assistance for International Travel

TravelGap® Vacationer provides you with international health insurance coverage for trips lasting up to 6 months. It is also a complete package of services to help you identify, access and pay for quality healthcare anywhere in the world.

TravelGap fills the health and safety gaps that international travelers encounter:

• Insurance- Even if you are already enrolled in a health plan, your coverage is limited when you travel abroad. In fact, it’s likely your plan will not pay to have you safely evacuated if you are critically ill or injured.
  
• Information- Where do you turn to learn which hospitals, clinics and physicians meet your standards? How can you keep up with breaking news about health and safety threats in your destinations? How do you translate key medical terms and brand name prescriptions?
  
• Access to quality care- How can you arrange convenient access to the best care available? How do you find a western trained, English speaking doctor with the appropriate medical skills and training?

What good is travel insurance if you can’t find a doctor or hospital you can trust?

Each TravelGap Vacationer policy includes broad, deep and reliable Global Health and Safety resources easily accessed through the web or HTH’s toll free customer service center 24 hours a day/7 days a week:

• An International Medical Provider Community of thousands of carefully selected primary care and specialist physicians, dentists and other health care professionals in over 150 countries each under contract with HTH and available to serve the global traveler
  
• Daily Health and Safety News Alerts highlight potential danger to international travelers and are based on travelers’ personal itineraries and interests
  
• CityHealth Profiles capture critical information about healthcare services in over 200 of the world’s most popular destinations: emergency phone numbers, notable hospitals, pharmacy information and more
  
• Translation Guides help overcome communication barriers between a patient and doctor by precisely understanding common medical terms and how brand names for drugs differ by country

Why Choose TravelGap Vacationer Travel Accident & Health Insurance?

• Highest Standards of Service Every aspect of HTH insurance programs are designed to meet the highest expectation for quality and service. HTH consistently applies stringent criteria when contracting with doctors and hospitals. Less than 2% of medical provider’s abroad qualify to participate in our provider community.
  
• Strength of an U.S. Underwriter TravelGap® Vacationer is underwritten by HM Life Insurance Company , Pittsburgh, PA and HM Life Insurance Company of New York, NY. Both companies are rated A- (Excellent) by A.M. Best and part of Highmark, Inc. the fifth largest U.S. health insurer with annual revenues in excess of $25 billion.
  
• Pre-Existing Conditions are excluded that existed 180 days prior to the purchase of the plan. Non-admitted plans often exclude coverage for medical conditions that existed 3 or even 5 years before purchase.
  
• Better Coverage TravelGap Vacationer has met the standards of state regulators and features coverage more generous than plans sold as “surplus coverage” by foreign, non-admitted insurers. Also TravelGap does not exclude illnesses or injuries resulting from a terrorist act and provides higher evacuation limits than other plans.

Private Health Associates, US is here to offer timely, convenient access to TravelGap Vacationer and the information and assistance you require via the Internet 24-hours-a-day, 365-days-a-year. PHA, US links effective accident and health insurance carriers and efficient administrative services to assist individuals across the globe in making informed health care decisions.

• Eligibility an insured person must be (1) a resident of the U.S.; (2) under age 75; (3) traveling outside the U.S.; and (4) scheduled to spend at least 24 hours away from his/her home.

TravelGap Multi-Trip

What If I’m a Frequent Traveler?

• TravelGap® Multi-Trip provides the frequent traveler with international health insurance for multiple trips throughout the year. It is also a complete package of services to help you identify, access and pay for quality healthcare anywhere in the world.
  
• Eligibility An Eligible Participant or an Eligible Dependent must be (1) a resident of the U.S.; (2) under age 85 and (3) enrolled in a Primary Healthcare Plan.