This is a highly desirable coverage for those who travel to foreign lands. We are geared up to help you if you are living in California.

TRIP PROTECTOR

This bulletin is for those who travel to foreign countries, or who are sent overseas on assignments which may take several months.  If you are a resident of

  we can help you acquire this valuable coverage.

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We would like to inform you of an exciting product update. Effective today, Septemer 8, 2009, the benefits and rates for TripProtector and TripProtector Preferred have changed.

HTH Worldwide’s new and improved TripProtector plans offer comprehensive travel insurance benefits PLUS high limit travel medical benefits.

TripProtector Benefit Changes:

• Medical Benefits have increased to $500,000 (per person)
• Medical Evacuation Benefits have increased to $1,000,000 (per person)

TripProtector Preferred Benefit Changes:

• Medical Benefits have increased to $1,000,000 (per person)
• The cancel for Business Reasons benefit has expanded to also cover trip cancellation or interruption due to the following events:
• You or your Traveling Companion is required to work during the Covered Trip.
• You or your Traveling Companion’s place of employment is rendered unsuitable for business due to burglary, fire, flood, volcano, earthquake, hurricane, or other natural disaster
• You (or Your Traveling Companion) are directly involved in a merger by your (their) employer or the acquisition of your (their) employer by another company.

Rate Changes:

Call 818-717- 0918 to obtain a current quotation. 

 Our TripProtector quoting tool is always up to date.  We can enter your information and provide you with the current brochure with a few clicks of the mouse.

Customers are charged a base rate as well as a daily fee predicated on trip length. 

Carrier and Eligibility Update:

• Medical and Medical Evacuation Benefits are now underwritten by HM Insurance Group or Unicare -- based on state of residence. All other benefits are underwritten by Stonebridge Casualty Insurance Company.
• Eligible applicants must be covered under a primary health plan.*
• TripProtector and TripProtector Preferred are available to U.S. residents living in approved states.**
• Only immediate family members can be enrolled on the same policy.

Remember, this bulletin deals with plans that fall under the new rules and rates effective September 8, 2009.  If you have questions regarding older plans, you need to contact the carrier who wrote the plan..

Additional  Information:
* A Primary Plan is a Group Health Benefit Plan, an individual health benefit plan, or a governmental health plan designed to be the first Payor of claims (such as Medicare) for an Insured Person prior to the responsibility of this Plan. Such plans must have coverage limits in excess of $50,000 per incident or per year to be considered a Primary Plan.
Medicaid and V.A. health plans do not constitute primary health insurance because they are not defined as the first Payor of medical claims.
Please note the medical portion of the benefits for Trip Protector do not begin until you are 100 miles away from home.  An applicant can still enroll in the policy and utilize the travel protection benefits when they are less than 100 miles away from home.

** TripProtector and TripProtector Preferred are available to residents of the following states:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

TripProtector and TripPrefferred Preferred are not available to residents of these states:

Maryland, Massachusetts, Minnesota, New Hampshire, Oregon & South Dakota

If you have questions,

Partnerprogram@hthworldwide.com or call 1.888.243.2358.

For questions from California Residents,

claude@cmisbenefits.com or call 1-818-717-0918.

Thank you.

Why this coverage is imporntant:

My neighbor was on a trip to Australia with some friends. As they started down a stairway, one of the elderly gentlemen stubbed his toe, fell, and broke his hip.

He had traveled outside his Medicare Complete coverage. He needed surgery and hospitalization, and re-patriation to USA.

Fortunately, he had the trip Travel Protector policy. Not only did it cover his hospital and surgical needs, but when the doctor released him to travel, the plan provided him a nurse to accompany him back across the Pacific--and then they returned her to her home base.