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. There are many important coverages included within this plan:
Trip Cancellation — travelers are able to insure trips costing up to $30,000 per person in the event they must cancel their trip prior to departure for a covered reason.
Trip Interruption — if, post departure, you need to end your trip early due to one of the listed covered reasons. This plan offers up to 200% of the insured trip cost, which can help to reimburse you for the cost of an emergency one-way ticket back home.
Baggage Delay — which can help to reimburse you for necessities you need to purchase due to your bags being delayed by a common carrier for 12 or more hours.
Travel Delay — if your travel is delayed for 6 or more hours, due to a covered reason such as inclement weather, this coverage can reimburse you for food or accommodation expenses that you may incur.
Missed Connection — if you face a covered delay 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, to reimburse for additional meal or accommodations and non-refundable payments for the unused portion of the cruise.
Itinerary Change — 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 for unexpected illness or injury that occurs during your trip, and arrangements to transport you to a better equipped hospital if the doctor treating you recommends it.
Pre-Existing Condition Waiver — 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 will be waived.
The plan information below is nonspecific. To see actual amounts and to check plan availability, get a quote.
I had my first return flight canceled and had booked my second flight at a separate time. I called Nationwide and they said I would be covered for the cost of any flight changes the airline couldn't resolve. Luckily, the airline payed for my changes. I could have filed for reimbursements from Nationwide because the first flight was 6 hours late, but I forgot to ask for receipts in China, and the $15 I spent in the United States didn't seem worth making a claim.