Answer:

If the trip is cancelled or rescheduled by the travel suppliers and you were refunded in full or issued a credit for the amount paid for the trip, typically you can request to have the policy cover you on the rescheduled trip as long as you contact us prior to the original departure date.

Answer:

You can insure what you have paid for to date and any known costs, and once you make subsequent payments towards the trip prior to departure, you can contact us and update your existing policy accordingly. However, if you are buying coverage for pre-existing medical conditions or 'cancel for any reason, you may have to insure the full known cost of the trip up front even though you only paid a deposit. I would highly recommend calling us at 800 487 4722 that way we can gather some additional information from you and from there we can go over the wording with you and help you find a policy for your upcoming trip.

Answer:

Yes, as long as part of your trip involves a cruise, you can insure your entire trip from the time you leave home until the time you return back to your home. However, the Nationwide Cruise policies only cover specific cruise lines so please be sure to give us a call prior to purchase so a customer care representative can confirm that the policy is available to you. Thank you.

Answer:

Trip Cancellation only provides coverage for specified reasons listed in the policy certificate. If the travel suppliers cancel, they are generally responsible for reimbursing you. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote.

Answer:

Standard comprehensive travel insurance policies do not cover fear of travel. If fear of travel is the main concern, you would want to purchase a comprehensive plan with optional Cancel For Any Reason coverage selected. There are some eligibility requirements for this coverage, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days of your initial trip payment, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.

Answer:

For this particular concern, you would need a policy that has Cancel for Any Reason as this is not a covered reason with Trip Cancellation. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.

Answer:

If all travelers have different travel dates, you would need to purchase separate policies for each traveler. You can insure what you have paid for to date, and once you make subsequent payments towards the trip, you can contact us and update your existing policy accordingly, as long as you contact us prior to departure.

Answer:

Please list the age you are at the time you are buying the insurance.

Answer:

Yes, additions can be made to the policy as you make additional payments.