Nationwide Vacation Renter Protector

Didn't need to use it, but it gave total peace of mind before/during our trip to Australia.

The coverage was OK but we were tripped up by the small print. READ IT. READ IT, READ IT, BEFORE, DURING AND AFTER TRAVEL. In middle of trip to Europe one of our party (all vaccinated and boosted) contracted mild Covid. CDC and local health recommendations stated "if you test positive on a lateral flow test but do not feel very ill, self isolate to protect yourself and others and do not travel or mix closely with people in public places until you have most likely cleared the infection, 5 days later, or subsequent tests prove negative. Unless you feel very ill, there is no need to see a doctor". We followed this official advice, canceled one flight and rebooked another for later as well as incurred hotel and other expenses. Assumed this would be covered by Trip Interruption protection. It was not. Despite what official sources say, the insurance policy required a doctor's visit (easy getting an appointment in a pandemic, huh?), a PCR test and an official letter from the doctor advising you not to travel. We did not do this and it cost us about six hundred dollars in change fees, hotel and incidentals. This simply underscores why you should always read the policy carefully to make sure in an emergency you are complying 100% with the policy's terms; common sense is not a substitute for rigid compliance. After a phone call to the claims department I concluded that filing a claim was simply a waste of time . Note: I don't think this is specific to Nationwide.

We didn’t need to take advantage of the insurance which was good. But it was a comfort to know we had it. Would definitely take advantage of it again.