Nationwide Prime

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The Nationwide Prime plan allows you to insure a higher trip cost than the Essential plan, and also includes higher amounts of coverage for post departure benefits such as medical and emergency medical evacuation.

This comprehensive travel insurance plan includes standard benefits, and some additional options to really tailor your insurance for your trip. The plan allows coverage for trips costing up to $30,000 per person, and provides reimbursement if a cancellation occurs due to a covered reason.

The trip interruption coverage is available if you need to end your trip early due to a covered reason, and offers reimbursement up to 200% of the trip cost which can help to defray the cost of a one-way ticket home. The plan also includes coverages for baggage protection and travel delay.

This plan also offers coverage for a missed connection. If you face a delay due to a covered reason of three or more hours that causes you to miss your cruise departure, this plans reimburses up to $500 to help you rejoin the cruise and for additional meal or accommodation expenses you incur. Similarly, it also offers coverage for itinerary changes by your cruise line or tour supplier. The benefit reimburses up to $500 in the event a cruise/tour supplier makes a change to your itinerary which prevents you from participating in an activity that you had pre-paid for.

Medical and emergency medical evacuation coverage is available with this plan. This can help if you need to seek medical attention for a covered unexpected illness or injury that occurs during your trip. Also, emergency medical evacuation benefits are available if you are hospitalized and the attending physician recommends that you be transported to the nearest, better equipped hospital.

If you are worried about a pre-existing condition limiting your coverage, the earlier you purchase the plan the better. If the plan is purchased within 21 days of your initial trip payment (and all other eligibility requirements are met), then the pre-existing condition exclusion can be waived.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Comprehensive travel insurance plans offer the most benefits and optional coverages. These plans provide the best protection for the investment made in a trip.

Highlighted Coverages

Trip Cancellation
Trip Interruption
Baggage Delay
Pre-Existing Condition Lookback Period
Medical Evacuation

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
AM Best Rating
Years in Business

Trip Protection

Trip Cancellation
Trip Interruption
Interrupt for Any Reason
Cancel for Any Reason
Baggage Delay
Supplier Default


Medical Limit
Complications of Pregnancy
Emergency Medical Expenses

Pre-Existing Conditions

Sudden Recurrence
Lookback Period
Pre-Existing Condition Period

Accidental Death

24-Hr Full Coverage
Common Carrier
Included in Accidental Death 24-hour


Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Optional Coverages

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Ratings and reviews

Our customers rate the Nationwide Mutual Insurance Company Prime plan on our site
on average based on 337 reviews.
A.M. Best Rating
Better Business Bureau Rating
We had to cancel due to a family emergency 3 weeks before our trip. We could not have been more satisfied with the help and response we received from Nationwide. Our claim was processed quickly and easily. I would recommend them and in fact, will use them again in the future for our travel plans.
I was glad that I didn't have to use it, but a good policy.
Took 2 months to get a refund of straightforward claim. Every time I called, the representative stated "one more week."
Rachel W.
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