Travel Insurance Reviews Nationwide
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Nationwide Mutual Insurance
Essential
Thankfully I did not need to file a claim, but it was reassuring to know I was covered.
Vicki H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Choice Cruise
Be sure you understand the difference between Trip DELAY and Trip INTERRUPTION from the Insurer's point of view. It's a difference of a maximum benefit of your trip cost (Interruption) and a maximum of $150 daily (Delay). I still don't understand it.
I was Quarantined in Switzerland during my 2-week trip after testing positive for COVID and was unable to return home as scheduled. I would consider this an Interruption of my trip. Nationwide called it a Delay. As such, I was reimbursed only $450 of my $850 costs for the 2-day interruption. Thankfully it wasn't any longer as the cheapest lodging I could find was $260 nightly.
In addition, after spending 4 hours gathering the plethora of documents and receipts required and mailing it (trying to file multiple documents online was impossible), my claim was delayed for 3 months due to a backlog. I had to call multiple times to get the status of my claim. When my reimbursement finally did arrive, it was short $150 (they misread my claim and only paid for 2 days instead of 3), necessitating another call from me and a wait for final payment.
I think they're reasonably priced if all you're looking for is a trip cancellation in case you get hit by a bus before your trip and can't go, but otherwise I'd look elsewhere.
I was Quarantined in Switzerland during my 2-week trip after testing positive for COVID and was unable to return home as scheduled. I would consider this an Interruption of my trip. Nationwide called it a Delay. As such, I was reimbursed only $450 of my $850 costs for the 2-day interruption. Thankfully it wasn't any longer as the cheapest lodging I could find was $260 nightly.
In addition, after spending 4 hours gathering the plethora of documents and receipts required and mailing it (trying to file multiple documents online was impossible), my claim was delayed for 3 months due to a backlog. I had to call multiple times to get the status of my claim. When my reimbursement finally did arrive, it was short $150 (they misread my claim and only paid for 2 days instead of 3), necessitating another call from me and a wait for final payment.
I think they're reasonably priced if all you're looking for is a trip cancellation in case you get hit by a bus before your trip and can't go, but otherwise I'd look elsewhere.
Kimberly Z. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
Nationwide Mutual Insurance
Prime
Super impressed! I have previously had a bad experience with another trip insurance company, which essentially kept on asking for the same documents and explanations over and over…and over. In the end, I gave up and moved on. So, I was skeptical when I had to file a claim for an injury this time.
What a pleasant surprise! They did ask, once, for a set of additional documents to be submitted (which included some items I had already submitted, like the itemized receipt and the credit card slip), but that was it. After the (re-)submission, the payment was issued within a couple of weeks—without my having to give them a nudge. I find the entire process to be fair enough. I will definitely use Nationwide’s Prime Plan again.
What a pleasant surprise! They did ask, once, for a set of additional documents to be submitted (which included some items I had already submitted, like the itemized receipt and the credit card slip), but that was it. After the (re-)submission, the payment was issued within a couple of weeks—without my having to give them a nudge. I find the entire process to be fair enough. I will definitely use Nationwide’s Prime Plan again.
Javier V. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Prime
Great plans and easy to navigate website. Would recommend and use again.
Steven M. would
recommend this plan to a friend or relative.
1 of
3 people found this review helpful
Nationwide Mutual Insurance
Essential
Didn't need to use it, but good to have anyway. Highly rated company, good price for peace of mind
HELENE S. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
no problems, did not have to use insurance
Joann M. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Prime
I didn’t file any claims, but the price and features were good.
Michael S. would
recommend this plan to a friend or relative.
-1 of
1 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Luxury Cruise
Excellent coverage and fair price. We will use InSureMyTrip again on our next cruise.
Raymond W. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Prime
I didn't really think of needing or using this plan until I saw the coast guard helicopter hovering over the ships bow taking a passenger to Puerto Rico to keep her or him alive. Then it hit me as to why my kids keep saying "buy trip insurance". And then again as I saw 5 people boarding the boat in the first port of call... Go a day early AND get the trip protection. Nationwide was a good value!
Scott B. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
Nationwide Mutual Insurance
Essential
This was not worth purchasing and was absolutely more stress than help. Our trip was delayed two weeks because we tested positive for COVID. I thought at least we have trip insurance to help us with the cost of changing the trip. Unfortunately, we tested positive for COVID about 36 hours before traveling, and we were informed that we needed to have a doctor appt before our departure time in order to receive any coverage. Not to mention the plan administrators told me it was fine to go on the trip anyways because my destination did not have COVID testing restrictions. You are not supposed to go into see a doctor for COVID unless you have symptoms requiring emergency treatment. Luckily I convinced a doctor to meet with me virtually that day just to write a note for my travel insurance. Hopefully this would have worked but it turned out I couldn't file a claim anyways.
After this, we were informed that in order to have coverage on our new trip dates, we would not be able to file any claims for reimbursement of the costs of changing the trip.
In addition, when looking at the policy later, any change fees for flights are covered at a very low amount (not even close to the policy coverage amount for cancellation).
All in all, we did not use the policy and could have used the money from the policy for our flight change fees, which would be much less stressful and cheaper. I recommend getting flights and hotels that can change somewhat easily instead of getting this policy.
After this, we were informed that in order to have coverage on our new trip dates, we would not be able to file any claims for reimbursement of the costs of changing the trip.
In addition, when looking at the policy later, any change fees for flights are covered at a very low amount (not even close to the policy coverage amount for cancellation).
All in all, we did not use the policy and could have used the money from the policy for our flight change fees, which would be much less stressful and cheaper. I recommend getting flights and hotels that can change somewhat easily instead of getting this policy.
Kirsten M. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful