Travel Insurance Reviews for Nationwide

I would recommend this policy to others but with the following advice. If you make a claim online, keep in mind that the claim examiner assigned to you might not find your situation as straight forward as you think it is. There might be some back and forth -via email or phone call (on your part) about the documentation you submitted (e.g. an explanation in English for a receipt in Italian even though it's pretty obvious what it's for) or a request for more documentation than what you submitted (e.g. submitting not only receipts but credit card statements that match the receipts) .
It will all get worked out, but not overnight and maybe not as quickly as you think it should. I just received my settlement for a claim I initiated 5 weeks ago. I thought that was an acceptable outcome.

One last thing, pay attention to the Trip Delay max. The policy I bought had a daily max of $150. When I was pickpocketed the morning of my cruise and had to stay in Rome overnight to get an emergency passport, then fly to Majorca, Spain to meet up with my ship that would be docking the morning after, I incurred the cost of two nights in a hotel, train and taxi fares, a plane ticket, and the cost of replacing my passport. I was traveling off-season, so both the airfare and the hotel costs were minimal, but I still exceeded the daily limit for 3 days of Travel Delay by $158.00.

I tested positive for Covid before our return flight. This was over a year ago when a negative test was still required. My policy covered the additional hotel and food that and other expenses that we incurred for the subsequent week. It took quite a while to get the refund, but that didn’t bother me as long as I got it. I was very pleased with my coverage.

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,

We've purchased Nationwide Essentials policies for about five trips. Our most recent was the first for which we had to cancel the trip and make a claim. It turned out that we over-insured, because the pre-existing condition waiver, which we wanted, requires all non-refundable prepayments to be insured, and I wasn't aware that our airfare bought through the cruise line, plus the prepaid specialty dinners and excursions, were refundable from the cruise line. So our claim was only for about 50% of our insured amount. I made sure to provide the claim dept with all the details requested. They never responded by email after I submitted the claim, but instead just mailed a check for the claimed amount, so that was a nice "surprise" when it arrived. My only complaint was one claims dept phone rep; I called two days after emailing in all the documentation, because I wanted to make sure they received everything I sent, and that they could read the documents. The rep was not helpful, and just kept telling me they had 15 days to respond to my claim. He also first told me they hadn't received my claim form, which turned out not to be true. After quite a round-about discussion, he finally looked at some of the documents (he didn't seem to want to be bothered to check them all for me), and the one that I sent as Word doc instead of a PDF was unreadable, so I re-sent it as a PDF. This unhelpful rep was an unusual experience, because I spoke to several other folks in the claims department before I filed the claim, and they were able to answer my questions for me. If I needed to, I would have called back to get a better rep to help me. Also the InsureMyTrip chat staff has always be extremely helpful and knowledgeable, both during my insurance purchases, and when I had questions about my claim.

Our claim was processed very fairly, but took a very long time. Apparently, our optimum email address was not supported by Nationwide and by the time we realized this, an additional month had lapsed.

Plan was easy to acquire and fairly priced. Filed a claim as a result of a British Airways flight that just disappeared from itinerary the day before we left. There was no email, text or follow up from BA. The insurance covered the expenses related the changes I had to make. Very happy with the process and results.

Claim: 59572

My plan was purchased in 10/27/2019, months before COVID. This company looks hard to find an excuse to not honor trip cancellation, despite claims of "standard in the industry" or that they "regret" not fulfilling their moral obligations to honor the contract. It is my strong opinion that they have small print used to deny payments for legitimate claims, that this company does not deserve your trust or business. Nationwide certainly will never have my business.

The natural disaster is COVID. Travel to Europe from the U.S. is not allowed, as the entire U.S. is being quarantined from the EU. The hotel accommodations in Italy are not habitable by any U.S. citizen.

Additionally, I am a hospital worker potentially exposed to COVID patients daily. I must quarantine 14 days before allowing myself come in close contact to unsuspecting travelers, because it is morally correct. It is not possible to actually travel.

I do not think that I would be allowed to stay at my hotel if I were possibly contagious, if I were allowed to travel to Europe! Regardless,

I was reimbursed for most of my travel (airfare) by the airlines, so I was not even expecting to be reimbursed for the entire amount of my coverage, only a portion of the coverage for which I paid. Unlike other reputable businesses, this company does not warrant your business, in my opinion.

I purchased a policy from Nationwide for a cruise I planned to go on in October 2019. Because of the expense of a cruise, I thought insurance would be helpful in case I could not go on the cruise. Unfortunately for me I was robbed in Italy a couple of days before I was to go on the cruise. I could not go on the cruise as my entire purse was stolen with my passport and all my money. The cruise line will not let you go on board without a valid passport. I had no choice but to go to the nearest embassy to get an emergency passport to fly home. Nationwide said the cruise was not eligible for compensation. Ironically this was the only reason I bought insurance, in order to cover the cost of the trip if I was not able to go. All they would pay was $400.00 They sent an email stating they would send a check on December 4,2019.,but it could take 30 days to receive the check..This is ridiculous. It does not take 30 days to mail a check. I waited the required amount of time, and it is now well over 30 days. I called and they were not very helpful. I was told that if they were able to mail a check, it wouldn't be until Monday January 13,2020.. I can not recommend this company to anyone. I have no idea, if I will ever get paid.

Top notch service from the point of first inquiry when disrupted due to Hurricane Dorian until the final claim was process and paid. This service was a great investment to reduce worries due to delay or disruption!

Nationwide Cruise plans are the only trip insurance we ever purchase. Have had excellent coverage, claims pd and customer service! Highly recommend & wouldn't cruise without it.