Travel Insurance Reviews for Nationwide

We purchased Nationwide travel insurance for a 3 week European vacation. We needed to file for trip delay due to weather issues and then for trip interruption due to my husband falling ill and needing hospitalization in London 1week into our trip. The overseas division , On Call International, worked their magic to get us flights home. They even arranged for wheelchair service at all connecting airports. They were very responsive and kept us informed throughout the process, Once home, the claim forms were easy to fill out and if I had a question it was easy to contact representatives by phone to clarify. Charges for unused , pre paid hotels and cruise were reimbursed within 6 weeks. The only things that were not covered were my hotels and food during my husband’s hospitalization . Those are only paid if the trip is interrupted by a hazard and sickness is not considered a hazard. As I went back and read the policy I could see that was true, but sometimes you don’t know what to look for prior to purchase. I would caution, if you find yourself in the same situation, to get contact emails for doctors as they needed to fill in some parts of the forms. Medical was also included in the policy but it is secondary to your own health insurance. We needed to submit to our health insurance first and since they paid the bill in full we didn’t have to submit to Nationwide. Make sure to keep all invoices and emails to be submitted with your claim. Bottom line- I would use Nationwide again because of their excellent overseas service and quick settlement of the claims,

My claim was a little slow to process but in the end Nationwide came through nicely. The claim was all done online which was fine with me although it would have been nice to have the contact phone # of the individual working the claim. Overall I was satisfied with Nationwide.

The plan payment was fine. Filing the claim was a nightmare. I had to submit the claim repeatedly as your system was not easy to navigate and submit. You asked for multiple items for each part of the claim but almost impossible to get them all in your system.

I submitted a claim for our trip because I was injured on the journey AND our flight home was canceled.
We had medical bills and additional flight and hotel bills incurred due to the cancellation. Nationwide has fought me every step of the way, requesting the same documentation OVER AND OVER, they don't want to pay the claim and I will NEVER use them again.

We had filed a claim for a flight out of Washington to Norway which was delayed. The process was very detailed with a lot of uploading paper work to show that we purchased another connecting flight in order to make our cruise time. Nationwide did make good on the claim for $200. (which was in the policy for the delay). With that being said the policy was good to have if something major was to take place.

I submitted a claim for a trip delay, caused by American Airlines. We had to spend an extra night in a hotel and pay more for our car rental and meals. Nationwide covered our expenses.

I purchased a policy through Insure My Trip with Nationwide Mutual for cruise and flight coverage. I had to file a claim in September due to the fact that my cruise was canceled by the supplier due to staffing and supply chain issues as this was a brand new ship.

I contacted them to inform them that the cruise line had canceled my cruise and I needed to know the steps to take to file a claim. I was instructed to provide the cancellation letter from the cruise line plus provide the flight information. I informed them that I had not canceled the flight yet because I wasn’t sure if I was supposed to and I was told to do so and send over all of the information to the claims department. I waited patiently for several only to be told that there was a submission error so resubmitted everything for a second time, the first week of October.

On Oct. 20, 2023, my claim was denied stating that the reason for cancellation was not covered. How is that possible when the cruise line canceled my cruise. I resubmitted an appeal the same day only to now be told, on Nov. 7th that my claim is still denied even though I submitted everything and didn’t cancel my trip due to my own personal reasons. They claim that I’m not entitled for compensation. I only filed a claim for the flight and yet I can’t get reimbursed even though the claims department told me to cancel the flight.

I feel as though this is a trick to keep them from paying on claims. I’ve reported them to the insurance board of my state because this isn’t fair. I don’t recommend this insurance company at all.

Overall the process is simple to navigate, but slow due to the excusive email approach. There should be a phone number easily accessible to provide a more person service.

4 months from submitting a claim and still no response

I had a trip planned for December 2021/January 2022 and it had to be cancelled because I broke my ankle and had to have major surgery on the day I was due to depart for the trip. So, after filing a claim for a true accident, it took SEVEN months to get reimbursement from Nationwide. BEWARE of a great bureaucracy that takes forever to pay a fair claim!