Travel Insurance Reviews Nationwide
In business since 1926, Nationwide focuses on providing the best possible service for its customers. Nationwide travel insurance plans offer a range of innovative benefits for a variety of travel needs.
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The trip included a
cruise
tour
Nationwide Mutual Insurance
Luxury Cruise
We purchased the Luxury Policy through Nationwide for our retirement trip of a lifetime. We were to be gone 2.5 months. It included a 21 day cruise and then island hopping around French Polynesia, then flying to Australia to go to the Great Barrier Reef. Our cruise began in Sydney Australia on 2/28/20, we were supposed to disembark in Tahiti on 3/20/20. Due to COVID-19, our cruise was interrupted and we were sent home from Hawaii. We had 4 flights included in the covered cost of our policy: the flight to Sydney, island hopping flights around French Polynesia, the flight from Tahiti to Cairns, the flight from Cairns back to our home in California. We were fortunate and obtained refunds on two of the flights we did not utilize (thank you Air Tahiti and Expedia). The third, the flight from Tahiti to Cairns was not refunded and was denied by coverage by Nationwide. They said they do not cover pre-purchased flights that you are not able to utilize after a trip interruption. They would only be covered in the event of a trip cancellation. The total we are out is $1,246. I have to say, I'm not impressed! When you insure the value of a trip, including all of the costs that are non-cancellable and non-refundable, the coverage should reimburse for the insured costs that a traveler is out of pocket. They refuse to do so. I also acknowledge that some policies do not cover the expenses due to a pandemic, that is not the case with our policy because we purchased it in October, 2019, long before we had heard of COVID-19. Buyer, be careful to determine what is covered and what is not. I have purchased 5 or 6 Nationwide Luxury Cruise policies in the past and not had any issues. This is a first, but after paying $814 in premium to cover a 2.5 month trip and coming home after 1 month, and finding out that they will not reimburse me for this flight, I'm very disappointed in the Nationwide Luxury Cruise policy coverage.
Robin B. would
recommend this plan to a friend or relative.
6 of
8 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Choice Cruise
We unfortunately had to utilize our travel insurance plan due to an ATV accident on Moorea. We cannot express our thanks enough for all the help in coordinating our medical evacuation and other details. We will never travel without insuremytrip.com.
Thank you again!
Thank you again!
Shirley P. would
recommend this plan to a friend or relative.
1 of
4 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
After looking at many travel insurance providers, we chose Nationwide. Unfortunately, my wife got sick and had to go to the medical center on the Carnival Breeze. We filed with our primary insurance and with Nationwide. My primary applied the entire amount to our deductible. Nationwide paid the entire amount. Yes you have to provide ALL the documents needed and it does take a while. Our cruise was in January and we got the check the 1st week of April. It took longer for my primary to process the claim. Once they received the necessary documents, Nationwide paid in about 15 or so days. We’re very happy with the process. Thank you Nationwide
Robert W. would
recommend this plan to a friend or relative.
2 of
5 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
Nationwide does not consider the quarantine of an entire country due COVID-19 a valid claim. W were half into our trip when Norway closed all borders to entry to prevent the spread of COVID-19. Now Nationwide wants proof I was denied entry. Do I need a picture of me trying to cross the border? Forget appealing the ruling unless you in a select 12 few states where you can appeal to the Insurance commission. In the other 38 states it seems Nationwide is judge and jury. I certainly do not understand the great reviews of this terrible coverage.
James L. would not
recommend this plan to a friend or relative.
5 of
6 people found this review helpful
Nationwide Mutual Insurance
Essential
My claim was denied during the COVID-19 global pandemic during the height of government lock downs and a time that was literally impossible to travel.
I filed a claim on April 22, 2020 for our honeymoon travel to the U.K. between May 9th- May 23. I took nearly a month to get back to me May 21st (which is some what reasonable because I am sure they have been swamped with claims). I booked the travel myself which made it a pain to file the claim.
In the end I was denied because the policy didn't mention "pandemic" specifically but it does mention natural disasters and quarantines. In their review they stated that a travel embargo is not a quarantine but that seems like lawyer speak to me. To be honest, I would not have even known to look for specific pandemic text when I planned the trip last September.
I feel like my claim got "lawyer-ed" which I guess is what happens in the insurance world but I will never use any service of Nationwide's again and I would not recommend their service to any one.
I filed a claim on April 22, 2020 for our honeymoon travel to the U.K. between May 9th- May 23. I took nearly a month to get back to me May 21st (which is some what reasonable because I am sure they have been swamped with claims). I booked the travel myself which made it a pain to file the claim.
In the end I was denied because the policy didn't mention "pandemic" specifically but it does mention natural disasters and quarantines. In their review they stated that a travel embargo is not a quarantine but that seems like lawyer speak to me. To be honest, I would not have even known to look for specific pandemic text when I planned the trip last September.
I feel like my claim got "lawyer-ed" which I guess is what happens in the insurance world but I will never use any service of Nationwide's again and I would not recommend their service to any one.
Edwin B. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Choice Cruise
We purchased trip insurance that included trip cancellation. What a total waste of time and an obvious twisting of words by Nationwide to avoid paying a claim. This type of result is what gives insurance companies a bad name. I reviewed our policy in detail before filing our claim. Our cruise was cancelled by Holland America back in April due to Covid-19. This is the reply we received from Nationwide.
"Because the Coronavirus/COVID-19 is not one of the named perils listed in the plan, we are unable to consider this to be a covered claim. Regrettably, your claim does not qualify for reimbursement based on this reason"
Following the above statement, Nationwide lists what they do cover.... see below...
The policy you purchased provides the following benefits:
"Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine"
Do you see the problem here? They are picking and choosing (spinning) what they will cover. The Govt prevented cruising due to the spread of disease, but because their verbiage doesn't specifically say Covid-19, it doesn't qualify.
What a crock of BS! I will be filing a complaint with the department of insurance. I will NEVER purchase travel insurance from Nationwide again. In my opinion, they stole money from me in selling me a policy that was worthless!
"Because the Coronavirus/COVID-19 is not one of the named perils listed in the plan, we are unable to consider this to be a covered claim. Regrettably, your claim does not qualify for reimbursement based on this reason"
Following the above statement, Nationwide lists what they do cover.... see below...
The policy you purchased provides the following benefits:
"Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine"
Do you see the problem here? They are picking and choosing (spinning) what they will cover. The Govt prevented cruising due to the spread of disease, but because their verbiage doesn't specifically say Covid-19, it doesn't qualify.
What a crock of BS! I will be filing a complaint with the department of insurance. I will NEVER purchase travel insurance from Nationwide again. In my opinion, they stole money from me in selling me a policy that was worthless!
Cory R. would not
recommend this plan to a friend or relative.
5 of
6 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
I waited until I submitted my claim on trip interruption part to see how it went. They came through and I received the amount claimed, after filing the proper information. I will also say I needed to contact them at least twice to make sure I understood what was needed for my claim and the agents I emailed and/called on phone were very helpful in aiding me to file properly. I appreciate all that was done, as I have never had to submit any claims on my many past trip coverages. Naturally I would recommend them after this proven positive experience.
Oh by the way, I needed to file this claim after I returned home around March 9-12 2020. Note that date - around the time the worldwide coved 19 just started to become an issue!!
So I was a bit stressed as I had returned home immediately after all this corona panademic began unfolding in the US.
NOTE: ALWAYS KEEP all records and receipts from the moment you plan an insure your trip until you arrive home, as you will need such records to submit along with your claim. Without proof you cannot expect reimbursement (obviously)
Oh by the way, I needed to file this claim after I returned home around March 9-12 2020. Note that date - around the time the worldwide coved 19 just started to become an issue!!
So I was a bit stressed as I had returned home immediately after all this corona panademic began unfolding in the US.
NOTE: ALWAYS KEEP all records and receipts from the moment you plan an insure your trip until you arrive home, as you will need such records to submit along with your claim. Without proof you cannot expect reimbursement (obviously)
Ralph M. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
Due to my father's death we had to cancel a trip to Sweden and Denmark. Once we submitted all the paperwork (electronically), the claim was processed quickly and the payment sent. The amount we requested and substantiated was sent. We did take the time to provide a lot of documentation which probably helped make our claim an easy one to process. I would use Nationwide again for trip insurance.
Cynthia J. would
recommend this plan to a friend or relative.
1 of
3 people found this review helpful
Nationwide Mutual Insurance
Essential
This travel insurance thing is a pretty good scam. If you look at all of the glowing reviews you see comments like “I didn’t need to use the plan” “...but it gave me piece of mind.” LOL. Seriously? How can you give glowing reviews to something you never used? Folks wake up and look at the ratings for people who DID TRY to use the plan. We purchased this plan months before the Coronavirus even existed. Our vacation to Jamaica had to be canceled because they were quarantining arrivals for 14 days. Fortunately our flight was with airline miles that were given back to us. We got a travel bank credit for tax money that was extended well beyond the normal time frame. The resort also offered a full credit for use until the end of 2021 AND a resort credit of $200 for goodwill even though none of this was their fault. And then we have Nationwide Travel Insurance. We asked for a refund of this unused policy due to a once in a lifetime event so that we could repurchase a plan when we rescheduled our trip. We got “you are outside the 10 day review and cancel window”. Really? Almost every other business in America is bending over backwards to help out customers. Nationwide? Not happening at Nationwide. If you ever need to file a claim with Nationwide, we wish you luck. We will have a hard time EVER purchasing another plan from Nationwide. We look forward to another legalese response just like all of the other ones provided when someone posts a less than stellar review.
James J. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
-
Megan
Thank you for your feedback.
We are happy to hear that Nationwide is able to hold the policy for use on future travel.
Sep 22,2020
The trip included a
cruise
tour
Nationwide Mutual Insurance
Prime
Purchased a plan on 3/5/2020 for a dream trip to Norway. We put together an itinerary including Flights to UK, cruise to Norway from Southhampton and then Cruise to New York on Queen Mary 2. Today was the date on which we had to make the final payment on the cruises. Since the cruise was not until August We thought we might be able to rely on the travel insurance in case one of the cruise lines or the airline cancelled part of the trip. Just to be sure, I called Nationwide customer service to make sure we would be covered. Imagine my surprise to find out that if any of the cancellations were due to coronavirus it would not be covered because it was not a listed peril on the policy. The customer service representative explained that unless the reason for trip cancellation or delay was due to a listed peril in the policy then it was not covered.
An example: The policy states "The company will reimburse you if your miss your connection due to inclement weather" they will reimburse you for expenses and pre-paid nonrefundable trip payments fr the unused portion of your trip. However if the flight is cancelled due to mechanical problems you are up the creek, because that is not a listed peril.
So this is not really insurance, it is a guessing game to see if your crystal ball works well enough to figure out what could possibly go wrong months in advance of your trip and then find a policy from some company that covers all of the stuff you came up with. Good luck with that.
Basically unless you are injured or fall ill or heaven forbid die, due to an unforeseen incident and not related to any of the page full of exclusions, you are covered. If your flight is delayed or canceled due to weather you are covered. Anything else - tough luck.
So it looks like we will get a cruise credit for the cruise portion of the trip and the airlines are also offering free changes for most flights. Nationwide has "voucher program" which MAY offer partial credit to transfer some or all of the cost of your unused travel policy to a future trip. I must say I'm not expecting much after speaking to their "customer service" people.
I'm sure glad automobile and life insurance is better than travel insurance. I think it should be called something else.
An example: The policy states "The company will reimburse you if your miss your connection due to inclement weather" they will reimburse you for expenses and pre-paid nonrefundable trip payments fr the unused portion of your trip. However if the flight is cancelled due to mechanical problems you are up the creek, because that is not a listed peril.
So this is not really insurance, it is a guessing game to see if your crystal ball works well enough to figure out what could possibly go wrong months in advance of your trip and then find a policy from some company that covers all of the stuff you came up with. Good luck with that.
Basically unless you are injured or fall ill or heaven forbid die, due to an unforeseen incident and not related to any of the page full of exclusions, you are covered. If your flight is delayed or canceled due to weather you are covered. Anything else - tough luck.
So it looks like we will get a cruise credit for the cruise portion of the trip and the airlines are also offering free changes for most flights. Nationwide has "voucher program" which MAY offer partial credit to transfer some or all of the cost of your unused travel policy to a future trip. I must say I'm not expecting much after speaking to their "customer service" people.
I'm sure glad automobile and life insurance is better than travel insurance. I think it should be called something else.
Don E. would not
recommend this plan to a friend or relative.
5 of
6 people found this review helpful
We appreciate you using InsureMyTrip for your travel insurance needs. As a travel insurance comparison website, InsureMyTrip offers dozens of plans from different providers. In the future, please consider calling us prior to purchasing a plan so that we can assist you in selecting the most cost effective policy that covers as many of your primary concerns as possible. Our toll free telephone number is 800-487-4722. We look forward to assisting you in the future.