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. 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.

Plan Info
Plan Type
View Certificate
View Certificate
Refund Policy
10 Day Review Period
Insurance Underwriter
AM Best Rating
Years in Business

Coverage amounts are per person, unless otherwise noted.
Click a coverage to read details or view the full certificate.

Trip Protection
Trip Cancellation
Trip Cost
Trip Interruption
Trip Cost + 100%
Financial Default
10 day wait if insurance purchased within 21 days of Initial Trip Payment
Terrorism in Itinerary City
Foreign & U.S. Domestic
If insurance purchased within 21 days of Initial Trip Payment
Interrupt for Any Reason
Cancel for Any Reason
Baggage Loss
$250 per article limit
$500 combined max. for specified items
Baggage Delay
12+ hours
$600 max.
Travel Delay
6+ hours
$1,500 max.
Supplier Default
Medical Limit
$150,000 (secondary)
Complications of Pregnancy
$750 Incl. in Medical (secondary)
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
If insurance purchased within 21 days of Initial Trip Payment and certain conditions are met
Lookback Period
60 Days
Pre-Existing Condition Period
Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
Common Carrier
Included in Accidental Death 24-hour
Flight Only
$0 (+$)
$100,000 (+$)
$250,000 (+$)
$500,000 (+$)
Additional Benefits
24-Hour Emergency Assistance
Rental Car
$0 (+$)
$35,000 (+$)

CDC Warning (within 10 days of departure)

Plan Assist
Roadside Assist
ID Theft Assist
Available to
U.S. Residents

Customer Ratings

Our customers rate the Nationwide Mutual Insurance Company Prime plan on our site

on average based on 306 reviews.

Better Business Bureau Rating

A.M. Best Rating

Latest Reviews

Nationwide Mutual Insurance
i bought this insurance for a three-week trip to mexico. compared to the total price of my trip (plane fare, condo rental, etc.), the premium was entirely reasonable for peace of mind in terms of medical emergency, necessity for evacuation, etc. the provision about coverage in the event of civil unrest (per a warning from the US state dept) was especially useful this year, because there had been violent protests related to political events and also drug cartel killings in mexico just before i left the USA, and i wasn't sure (a) whether to change my mind about going or (b) what i would do if the unrest occurred closer to where i was going. with the insurance i bought, i felt much more comfortable about costs coverage in the event of some disaster -- medical, political, even family illness or death. in addition, buying it thru was really easy. it would have taken me hours of research to get the info about travel insurance if i had not stumbled onto this website.
susie margaret r.
Nationwide Mutual Insurance
I did have to contact customer service, via email, to ask a couple questions and they answered me very quickly. Also, I liked the amount of coverage this plan provided and the cost was very reasonable for the peace of mind.
Emily D.
Nationwide Mutual Insurance
I am very happy. Next time I travel, I will again purchase insurance with your company.
Norman S.
See all reviews

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