Travel Insurance Reviews for Nationwide

Great. So glad I purchased this cruise insurance. Filed a claim and was reimbursed quickly. Thx

I wouldn't buy Nationwide Travel Insurance again. Terrible customer service, almost no communication with me, you are in the dark when you submit a claim. Took 4 days, 2 emails, and a phone call to figure out how to submit a claim--they apparently want to make it as hard a possible. And they need every documentation under the sun for your claim submission, so SAVE EVERY piece of paperwork, boarding passes, itinerary and receipts. After submitting the claim I never heard from them until I received a check 7 weeks later. We had a major trip delay and discovered after the fact that our Trip Delay Coverage doesn't actually cover trip delays--just expenses occurred during a trip delay. I'll read the fine print before buying any insurance next time.

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!

This was my first time purchasing cruise insurance. I'm very glad I did. Hurricane Maria decided to change our plans. Filing the claim was easy. Everyone I spoke with over the phone was helpful and courteous. My claim was processed fast and efficiently. Don't think I'll ever travel again without purchasing insurance.

We had to cancel our trip a month out due to a serious fall on my behalf. This caused a post concussion. Cruising with a concussion is not recommended! The process from start to check in hand took about 5 weeks. I had to mail in my forms because I could not upload the docs from home, which most likely caused a delay in the processing.

All in all the process was fairly easy. I was required to send in a lot of documentation, so KEEP EVERYTHING!!

The end result was we were paid back what the cruise line charged us as a penalty.

For a small claim of $300, they sure made us jump through a lot of hoops to get it paid. It took about 6 weeks to receive the check. However, they did make good and paid the claim as stated in the policy however.

I became very ill on a cruise in Feb. 2013 and requested a doctor come to my cabin because I was too weak and sick to go to the infirmary. He came with his nurse and he checked me and had his nurse to give me some pills. I paid 159.00 for this service and was promptly reimbursed after filing a claim upon my return. I'm glad I had this coverage, and will use them again whenever I travel which I do a lot of.