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Nationwide Prime

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. Optional Cancel for Any Reason is also available in most states if all eligibility requirements are met.

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

Protect your trip with cancellation, interruption, delay and medical benefits.

Highlighted Coverages

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

Repatriation of Remains

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
U.S. Residents
AM Best Rating


Medical Limit

Accidental Death

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


Medical Evacuation

Repatriation of Remains

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Optional Coverages

Your Quote

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Ratings and reviews

Our customers rate the Nationwide Mutual Insurance Company Prime on our site
(4.57) of 5
on average based on 1024 reviews.
A.M. Best Rating
Better Business Bureau Rating
I always buy trip insurance when going out of the country. I had to use it once and it paid off. I did not need to submit a claim for this trip …in today’s world one never knows.
Valerie D.
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.
All I can say is this plan (prime) checked all the boxes I needed for trip insurance and the price was competitive. Thankfully I have not yet had to file a claim so I cannot speak to how good the plan is in that respect.
Jimmy T.
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