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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
687
ratings and reviews
96%
recommended
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Cruise
Filed claim
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.
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.
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
The trip included a
cruise
tour
Nationwide Mutual Insurance Prime
We had an incident with our rental car, that wasn’t included in our regular auto insurance, of course we declined the Rental agency’s coverage, thinking we had the best and when we purchased the travel insurance we didn’t get the coverage for Rental Car. Since this was our first time getting travel insurance, we now know better! I was however grateful for the help of the travel insurance agent, as she directed us to contact our credit card company for the coverage we needed! Thank you for the help provided and saving the rest of our trip!
Daniel P. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
Nationwide Mutual Insurance Prime
My claim was for medical trip cancellation and was essentially ignored for a number of weeks, even after repeated calls. They used a technicality to avoid reimbursement for airfare. They eventually reimbursed for the expenses of 2 hotel nights and the trip deposit and an airline administrative fee, but it took on the order of two to three months. There claims process is by paper form.
Leon S. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Michelle A
    Photo
    Thank you for your review. We are sorry that you were dissatisfied with your claim experience. We are pleased that you received reimbursement for your prepaid nonrefundable out of pocket expenses associated with the trip. We do want you and your fellow customers to be aware that InsureMyTrip offers a Customer Advocate Program. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim, such as a claim taking too long to process. Requesting a Customer Advocate is as simple as calling 800-487-4722 or emailing customercare@insuremytrip.com, explaining the events which resulted in a claim, and the challenges you are facing.
    Oct 02,2019
The trip included a
tour
Nationwide Mutual Insurance Prime
Almost thought I would have to use the plan. Plane door seal had a problem. Airline decided we could go as it was not a major. Then the pilot ran out of flying time. We off loaded; reboarded about an hour later & then midflight ground stoppage in Boston - 4 hours later we arrived. On the return flight, again a ground stoppage. It was reassuring that I had coverage in the event I couldn't make it to my event, etc.
Barbara D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Michelle A
    Photo
    Thank you for your review. We are sorry to learn about your experience with your flights but are happy to learn you felt reassured by having insurance. We look forward to continuing to assist you in the future.
    Aug 14,2019
The trip included a
tour
Nationwide Mutual Insurance Prime
Excellent form of security and I will always use this service when traveling. Thank you for your people-friendly website and your cost conscious pricing. Thank you so much!!!
CHARLES J. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Prime
This plan provided coverage for what we were looking for. Thankfully, we didn't have to use it.
Andy K. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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