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Travel Insurance Reviews 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. This plan includes benefits for missed connections and changes in itineraries, along with a pre-existing condition waiver.

To learn more, see the Nationwide Prime product page.

Customers rated the Nationwide Mutual Insurance Company Prime plan
4.57 out of 5
712
ratings and reviews
96%
recommended
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Cruise
Filed claim
The trip included a
tour
Nationwide Mutual Insurance Prime
Plan coverage was very good. Could be more specific when it comes to COVID coverage and being primary instead of secondary for many of the covered benefits.
Leon S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Prime
I chose this plan for covid-related coverages, e.g. cancel for any reason and delayed return due to a positive covid test. The cost was reasonable. Luckily we didn't need to file a claim.
Jing F. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Prime
Totally a rip off! I was told that I would not be covered if Mexico would shut down and I couldn't make my trip. I asked for my money back so I could purchase insurance with a company that would cover me and I was told No! I will never purchase anything with them again.
Michele J. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Megan B.
    Photo
    Dear Valued Customer,

    We thank you for your feedback.

    While you do have coverage if you are to contract Covid-19, any sort of government closures or shutdowns do require the Cancel For Any Reason protection. Cancel for Any Reason is a time sensitive benefit that must be purchased no later than 21 days from the first day you put any money down towards your trip. Additionally, the insurance policies are non-refundable after the policy review period. Your policy review period was 10 days following the purchase of the policy.

    If you have any further questions or concerns, please do not hesitate to contact our team of representatives by phone at 800-487-4722 or by email at [email protected]
    Sep 30,2021
The trip included a
cruise
Nationwide Mutual Insurance Prime
The only thing that I found cumbersome, and didn't particularly like, was that I could not go directly to Nationwide Mutual Insurance but had to go through Insure My Trip customer care for changes.

We had a trip date change, on a couple of occasions, and I would have preferred to go directly through Nationwide rather than have to contact Insure My Trip who then contacted Nationwide.
Victoria F. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Megan B.
    Photo
    Dear Valued Customer,

    Thank you for your feedback. We hope you enjoyed your vacation.

    While you certainly could have reached out to Nationwide directly with the change requests, it is preferred that all policy change requests go through InsureMyTrip if you purchased with us. This allows us to properly facilitate and document your requests so we may closely monitor them.

    If you have any further questions or concerns, our team of representatives are here 7 days a week, 365 days a year. Our team can be reached by phone at 800-487-4722 or by email at [email protected]
    Sep 10,2021
Nationwide Mutual Insurance Prime
I've needed trip insurance once and it's well worth it. I chose this plan based on it having the coverage I wanted and it's competitive price. Luckily I didn't need the coverage on my trip but I had the peace of mind during my trip with the plan.
Eric H. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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.
Don E. would not recommend this plan to a friend or relative.
4 of 5 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Prime
Due to Coronavirus, I purchased "Cancel for Any Reason" plan for my honeymoon trip for "just in case".
I canceled a week prior to my trip (to be on the safe side), I submitted my claim with all asked documents the same day I canceled everything. I received a refund check for 75% of whatever cost that was not refunded to me by airline/agency after 3 weeks. Highly recommend this company.
Michelle L. would recommend this plan to a friend or relative.
1 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
tour
Nationwide Mutual Insurance Prime
Trip insurance, like most other insurance, is a necessary evil. Damned if you do, damned if you don't! Fortunately, we didn't have to review the coverages and did not have to file a claim on this trip. We just trusted the protection was there if we had needed it.
Jane L. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Prime
I had to cancel my travel plans due to an injury. My claim was handled professionally and very quickly. I would highly recommend both the company and the plan.
John K. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
Nationwide Mutual Insurance Prime
I've purchased trip insurance with InsureMyTrip for the last 4 trips or so and have referred other people who have also done so! Positive experience, good coverage and good prices. Done!
ALYSSON A. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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