BHTP Travel Insurance Review

Key Takeaways

BHTP ranks seventh among 13 travel insurers with a MoneyGeek score of 90 out of 100.

Strong coverage scores (90 out of 100) make BHTP best for comprehensive medical protection.

Four plan options provide flexibility from budget-conscious to luxury travelers.

BHTP Travel Insurance Pros and Cons

Pros

High coverage score with robust medical protection across all plans
A++ AM Best financial stability rating backs large claims
Service and claims score of 96 reaches nearly the top tier among competitors
Cancel for any reason available on select plans when purchased within timing requirements

Cons

Affordability score of 87 places BHTP in the middle range for cost
Multiple plan tiers with varying coverage limits require careful comparison
Some coverage features require early purchase within 15 days of initial trip deposit

BHTP Travel Insurance Plans and Features

BHTP offers four plans with increasing coverage limits for different traveler priorities.


Best For	Budget-conscious travelers needing essential protection	Families wanting balanced coverage at mid-range pricing	Frequent flyers prioritizing medical coverage	High-value trips requiring maximum protection
Trip Cancellation	100% of trip cost	100% of trip cost	100% of trip cost	100% of trip cost
Trip Interruption	150% of trip cost	150% of trip cost	150% of trip cost	150% of trip cost
Emergency Medical	$20,000 (secondary)	$30,000 (secondary)	$100,000 (primary)	$100,000 (primary)
Medical Evacuation	$100,000	$200,000	$250,000	$1,000,000
Baggage Coverage	$500	$500	$1,000	$1,500
Trip Delay	$600 max	$600 max	$2,000 max	$2,000 max
Pre-Existing Conditions	Covered with early purchase	Covered with early purchase	Covered with early purchase	Covered with early purchase
CFAR Available	No	No	Yes (optional)	Yes (optional)

All plans include 24/7 emergency assistance. Pre-existing condition coverage requires purchase within 15 days of initial trip deposit.

BHTP Travel Insurance Rates

BHTP pricing depends on trip cost, traveler age, destination and duration. BHTP earned an affordability score of 87 out of 100, placing it in the middle range for cost.

Sample BHTP Rates by Plan


$2,500 trip, age 30, 7 days Australia	$81	$85	$176	N/A
$10,000 trip, age 30, 7 days Australia	$265	$319	$323	$533
$2,500 trip, age 65, 10 days international	$319	$323	$533	N/A

Comparing BHTP vs. Other Companies

BHTP excels in coverage breadth and financial stability while maintaining competitive service scores.


World Nomads	93	98	86	95	89
Generali	92	94	88	100	89
Allianz	91	86	89	100	100
IMG	91	83	95	100	95
Travel Guard	91	88	86	100	98
Travel Insured	91	92	86	95	89
BHTP	90	87	90	100	96
Tin Leg	89	86	94	95	89

BHTP excels in coverage with a score of 90, ranking among top providers for comprehensive protection. Its financial stability rating of 100 reflects strong backing for all policies. The service and claims score of 96 ranks BHTP second only to Allianz and Travel Guard.

BHTP's affordability score of 87 puts it in the middle of the pack. World Nomads, Generali, Travel Insured and Nationwide offer better value for budget-conscious travelers. BHTP's coverage breadth justifies the moderate pricing for travelers prioritizing comprehensive protection over lowest cost.

BHTP Travel Insurance User Reviews

BHTP holds an A+ rating from the Better Business Bureau and has a 4.29 out of 5 rating on Squaremouth based on over 900 reviews.

What Customers Love

Claims get processed fast with reimbursement arriving within one to two weeks
File online or through the mobile app with electronic payment options
Medical emergencies get fully reimbursed without endless paperwork requests
Call 24/7 emergency assistance for real-time help during travel disruptions

Common Complaints

Documentation requirements pile up with requests for duplicate paperwork
BHTP reviews weather-related cancellation claims closely when coverage doesn't apply
Processing drags on for months for some customers
Customer service quality varies and reaching adjusters for updates can be tough

What is Covered by BHTP?

BHTP coverage spans trip protection, medical emergencies and travel disruptions.

Trip Protection

All plans cover 100% trip cancellation and 150% trip interruption for covered reasons including illness, severe weather and terrorism. Cancel for Any Reason available on ExactCare Extra and LuxuryCare (75% reimbursement, purchase within 14 to 20 days, cancel 48+ hours before departure).

Medical Coverage

Plans range from $20,000 secondary (ExactCare Value) to $100,000 primary (ExactCare Extra, LuxuryCare). COVID-19 medical expenses included.

Evacuation

Coverage scales from $100,000 (ExactCare Value) to $1,000,000 (LuxuryCare) for emergency medical transport and repatriation.

Baggage and Delays

Baggage coverage ranges $500 to $1,500 by plan. Trip delay reimbursement covers meals and accommodations after 5 to 12 hour delays depending on plan, with maximums from $600 to $2,000.

Add-On Coverage

Cancel for Any Reason and Interruption for Any Reason available on ExactCare Extra and LuxuryCare when purchased within required timeframes
Rental car damage coverage up to $35,000 to $50,000 can be added to most plans

What’s NOT Covered

Adventure activities (skydiving, rock climbing, scuba diving) require specialized AdrenalineCare plan
Pre-existing conditions excluded unless purchased within 15 days of initial trip deposit
Non-covered cancellation reasons include work schedule changes and travel preference changes without Cancel for Any Reason protection

Who Should Buy BHTP Travel Insurance?

BHTP fits travelers prioritizing comprehensive medical coverage backed by strong financial stability. The A++ AM Best rating backs large medical evacuation claims that can exceed $100,000.

Families benefit from ExactCare's free coverage for up to two children ages 17 and under. ExactCare Value offers budget-conscious travelers low premiums with essential trip cancellation and medical protection.

Travelers with pre-existing medical conditions should buy BHTP within 15 days of initial trip deposit to unlock coverage waivers across all four plans. This early purchase window also activates financial default protection.

BHTP costs more than budget alternatives like World Nomads, Generali and Travel Insured. Adventure travelers need BHTP's specialized AdrenalineCare plan rather than standard coverage, as base plans exclude high-risk activities.

BHTP Claims Documentation Requirements

Submit claims online at bhtp.com, through the mobile app, by email or phone at 844-411-2487.

Required for All Claims:

Trip invoice showing travel dates, costs and payment schedule
Proof of payment via credit card or bank statements
Documentation proving claim qualifies under covered reasons

Additional Documentation by Claim Type


Medical Claims	Itemized hospital bills, physician statements confirming treatment was medically necessary, explanation of benefits from primary insurance (for secondary coverage), prescription receipts
Cancellation/Interruption	Cancellation penalties from travel providers, physician statement for medical cancellations, medical records supporting assessment
Baggage	Airline's Property Irregularity Report, final settlement letter, receipts for replacement purchases, photos of damage
Travel Delay	Carrier documentation explaining delay reason and duration, hotel and meal receipts, proof delay exceeded plan's waiting period (5 to 12 hours)

BHTP pays approved claims via electronic funds transfer, PayPal or paper check. Electronic payments process fastest, with some same-day approvals through the mobile app.

FAQ: BHTP Travel Insurance

Does BHTP offer annual or multi-trip coverage?

No, BHTP's four standard plans only cover single trips. Travelers taking multiple trips per year must purchase separate policies for each journey. This differs from competitors like Seven Corners and Travel Guard that offer annual multi-trip plans covering unlimited trips within a year.

Does BHTP allow me to change my policy after purchase?

BHTP allows policy modifications before your departure date. You can adjust trip dates, add travelers or increase trip cost coverage at 844-411-2487. Changes may affect your premium. Some benefits like pre-existing condition coverage have timing requirements that can't be retroactively added.

What happens if my travel supplier goes bankrupt?

Financial default coverage protects you if your airline, cruise line or tour operator declares bankruptcy. This benefit is available when you purchase within 15 days of your initial trip deposit and after a 14-day waiting period. Coverage reimburses non-refundable trip costs when suppliers cease operations due to financial insolvency.

Does BHTP cover adventure activities like scuba diving?

BHTP's standard plans exclude coverage for high-risk adventure activities. For adventure sports protection, you need BHTP's AdrenalineCare plan, which covers activities like scuba diving, rock climbing and skydiving. This specialized plan provides higher medical expense and evacuation limits than standard plans.

How does BHTP's flight tracking feature work?

ExactCare Extra includes automatic flight tracking when you add flight information to your policy before departure. BHTP monitors your flights and can automatically process claims for covered delays, missed connections and tarmac delays without requiring you to file paperwork. This feature streamlines reimbursement for common flight disruptions.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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