A side by side comparison of HTH TripProtector tiers, so you can match the coverage to your trip.
All three HTH TripProtector tiers reimburse 100% of your prepaid trip cost if you cancel for a covered reason, and all include 24-hour emergency assistance plus optional direct billing with in-network providers abroad. The tiers differ in how much they cover. Use the table to compare, then the guide below to pick.
| Benefit | Economy | Classic | Preferred |
|---|---|---|---|
| Trip cancellation | 100% up to $5,000 | 100% up to $50,000 | 100% up to $100,000 |
| Trip interruption | Up to 125% of trip cost | Up to 150% of trip cost | Up to 200% of trip cost |
| Emergency medical | $75,000 | $250,000 | $500,000 |
| Medical evacuation | $500,000 | $1,000,000 | $1,000,000 |
| Pre-existing condition waiver | Not included | Included if bought within 14 days of deposit | Included if bought within 21 days of deposit |
| Cancel For Any Reason | Not available | Not available | Optional upgrade: 75% refund, cancel up to 2 days before departure |
| Rental car damage | Not included | Not included | $35,000 built-in |
| Free look period | 10 days | 10 days | 10 days |
Economy is the entry point: solid cancellation protection for budget trips, $75,000 in emergency medical, and $500,000 in evacuation coverage. It skips the pre-existing condition waiver and Cancel For Any Reason, so it fits healthy travelers taking straightforward, lower-cost trips.
Classic is the most popular tier for a reason: $50,000 in cancellation coverage handles most family vacations, medical coverage jumps to $250,000, evacuation doubles to $1,000,000, and the 14-day pre-existing condition waiver protects travelers managing ongoing conditions. Neither Classic nor Preferred requires a primary health policy to be in force.
Preferred is built for expensive itineraries: $100,000 in cancellation coverage, 200% trip interruption, $500,000 in emergency medical, a longer 21-day waiver window, built-in rental car coverage, and the only tier that offers Cancel For Any Reason as an upgrade. If your cruise or tour has a large prepaid fare, or you want the option to cancel for a reason the policy does not list, this is the tier.
Quotes are free and show all three tiers side by side for your trip dates.
Compare Tiers & Get a QuoteThe waiver and Cancel For Any Reason are the two benefits most travelers miss out on, and both run on a clock that starts with your first trip deposit:
Miss the window and the benefit is gone for that trip, so if either matters to you, buy early.
Quick answers about choosing between TripProtector tiers.
Match the tier to your prepaid trip cost: Economy covers cancellation up to $5,000 and suits budget trips. Classic covers up to $50,000 and is the most popular choice for family vacations. Preferred covers up to $100,000 and suits high-value trips, cruises with large prepaid fares, and travelers who want Cancel For Any Reason.
Economy includes $75,000 in emergency medical coverage, Classic raises that to $250,000, and Preferred goes to $500,000. All three cover sickness and injury while traveling. Classic does not require a primary health policy to be in force.
Yes. Economy covers medical evacuation up to $500,000, while Classic and Preferred both cover up to $1,000,000 for emergency medical transportation, including air ambulance.
Classic includes a pre-existing condition waiver if you buy within 14 days of your initial trip payment. Preferred extends that window to 21 days. Economy does not include a pre-existing condition waiver.
Cancel For Any Reason is available only as an optional Preferred upgrade. It lets you cancel up to two days before departure for a 75% refund, and it must be purchased within 21 days of your initial trip deposit.
Yes. TripProtector covers the prepaid, nonrefundable cost of a cruise like any other trip. Preferred is the natural fit for cruises with large prepaid fares, thanks to its $100,000 cancellation limit and 200% trip interruption coverage.