HTH Worldwide

HTH Worldwide has been protecting travelers since 1974 and offers flexible cruise insurance plans that accommodate travelers with preexisting medical conditions. Their policies include medical evacuation coverage, emergency hospital treatment, and optional trip protection, with the notable feature of a 60-day preexisting condition waiver that's valuable for many older cruise passengers. HTH's long history in travel insurance means they've refined their underwriting to properly price cruise-specific risks without excessive exclusions.

HTH is particularly attractive if you have health conditions that would normally be excluded from coverage, thanks to their preexisting condition waiver option. This makes HTH a strong choice for older travelers or those with documented medical history who want comprehensive cruise protection. Their pricing is competitive in the mid-range, and their U.S. base simplifies claims handling for American cruise passengers.