Travel Insurance Reviews Nationwide Prime
The Prime plan allows you to insure a higher trip cost than the Essential plan and also includes higher amounts of coverage to protect your pre-paid non-refundable monetary investment. This plan includes benefits for missed connections and changes in itineraries, along with a pre-existing condition waiver.
To learn more, see the Nationwide Prime product page.
The trip included a
cruise
Nationwide Mutual Insurance
Prime
I had a condition that required medical care while taking a cruise in December 2023.
I filed my claim on 12/25/2023. Nationwide requested that I submit a Medical Expense claim form plus itemized bills, proof of payment, a copy of my Primary Insurer's EOB, copy of passport to confirm entry/ exit of foreign country, copy of accident report if injured and a copy of my policy confirmation of coverage.
On January 3, 2024, I sent an email to find out the status of my claim. I only received an automated reply.
On January 12, 2024, I called Nationwide. The person I talked to transferred me to Claims.
That person checked the status of my claim and said it was approved. He said they mailed the check on January 8th and to allow 30 days for it to arrive.
My check for the full amount of my claim arrived on January 16th. It was a long involved process, but they did finally pay my claim. It would not have been so bad if they had kept me advised of the status at all stages.
I filed my claim on 12/25/2023. Nationwide requested that I submit a Medical Expense claim form plus itemized bills, proof of payment, a copy of my Primary Insurer's EOB, copy of passport to confirm entry/ exit of foreign country, copy of accident report if injured and a copy of my policy confirmation of coverage.
On January 3, 2024, I sent an email to find out the status of my claim. I only received an automated reply.
On January 12, 2024, I called Nationwide. The person I talked to transferred me to Claims.
That person checked the status of my claim and said it was approved. He said they mailed the check on January 8th and to allow 30 days for it to arrive.
My check for the full amount of my claim arrived on January 16th. It was a long involved process, but they did finally pay my claim. It would not have been so bad if they had kept me advised of the status at all stages.
ALLAN C. would
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Prime
Thankfully, we didn’t have to file a claim, but the policy fit our needs. We would use them again.
Allan C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Prime
I believe it is unconscionable that in order to waive the pre-existing condition requirement, you have to buy the insurance plan within 1-2 weeks after initial deposit. This is a rip-off. If you book a year in advance of the cruise, Nationwide gets to play with your money for a year, for free. Nice.
Jose S. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Prime
A small price to pay for peace of mind when cruising! Not having this insurance coverage when taking a cruise outside of the U.S., when your normal insurance company will not cover you, is like driving without car insurance. We don't plan on having accidents, but if you do then it is a huge comfort knowing that you will be financially covered for any huge expenditures! I will never take a cruise again without this excellent, affordable coverage!
Michael H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Prime
Thankfully I didn't need to use it but I am glad I had it
Judith R. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Prime
Thankfully my trip when smoothly and I did not have to use the insurance. When pricing out different plans Nationwide Mutual had the best pricing and very good reviews.
Carol C. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Prime
Claim was paid although it did take a little over two months to receive my checks.
Crafton S. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Prime
Speaking from experience: NEVER travel without travel insurance! In 16 years I have had 3 claims and without insurance I would have been out $9000 +. I've used Nationwide several times for our needs. Great plan, thorough coverage at a fair price. Hopefully I won't need to file anymore claims, but we travel easier knowing we are covered from delays to baggage loss to cancellations.
Susan B. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Prime
Glad I had the coverage, although I didn't need to file a claim!
Carmen H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Prime
Thankfully, I did not have to use the insurance but I was confident that I made a wise choice because the coverage was better and the cost was 1/2 of what I would have paid through the cruise line or the travel agent.
Laurice M. would
recommend this plan to a friend or relative.
Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 to 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy.
We also have some plans that offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy prior to or on the same day as your final pre-paid trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy.
In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.