Travel Insurance Reviews for Nationwide

Be sure you understand the difference between Trip DELAY and Trip INTERRUPTION from the Insurer's point of view. It's a difference of a maximum benefit of your trip cost (Interruption) and a maximum of $150 daily (Delay). I still don't understand it.
I was Quarantined in Switzerland during my 2-week trip after testing positive for COVID and was unable to return home as scheduled. I would consider this an Interruption of my trip. Nationwide called it a Delay. As such, I was reimbursed only $450 of my $850 costs for the 2-day interruption. Thankfully it wasn't any longer as the cheapest lodging I could find was $260 nightly.
In addition, after spending 4 hours gathering the plethora of documents and receipts required and mailing it (trying to file multiple documents online was impossible), my claim was delayed for 3 months due to a backlog. I had to call multiple times to get the status of my claim. When my reimbursement finally did arrive, it was short $150 (they misread my claim and only paid for 2 days instead of 3), necessitating another call from me and a wait for final payment.
I think they're reasonably priced if all you're looking for is a trip cancellation in case you get hit by a bus before your trip and can't go, but otherwise I'd look elsewhere.

Super impressed! I have previously had a bad experience with another trip insurance company, which essentially kept on asking for the same documents and explanations over and over…and over. In the end, I gave up and moved on. So, I was skeptical when I had to file a claim for an injury this time.

What a pleasant surprise! They did ask, once, for a set of additional documents to be submitted (which included some items I had already submitted, like the itemized receipt and the credit card slip), but that was it. After the (re-)submission, the payment was issued within a couple of weeks—without my having to give them a nudge. I find the entire process to be fair enough. I will definitely use Nationwide’s Prime Plan again.

Just hope you don't have to file a claim! We paid nearly a thousand dollars for a policy that contains MAJOR exclusions written in the fine print about stolen baggage - both a long list of items and conditions under which they will not cover a loss. We specifically chose a plan with baggage protection, only to be told a month after our claim was filed they would not cover our loss because our travel bags were stolen from a locked car. Find another insurance company that does not play this kind of game with customers to avoid paying for situations you may find yourself in through no fault of your own. Made a rotten travel experience even worse to know the insurance you purchased was worthless.

Claim processed and paid within 30 days of submission.

The plan seemed to provide a lot of coverage at reasonable cost. I filed a claim, and it was painful. Just finding who to call took some time and once I engaged with Nationwide's Claim processing arm / partner ([email protected]) things went downhill. The routine gathering od nuisance documentation and requests for more and more documentation (some I was unable to get from cruiseline) had me frustrated but I walked away. Gives me serious thoughts about whether it's worth it to buy ANY insurance other than medical coverage on future cruises (I cruise 2 - 3 times / year).

We filed a claim that took a long time to process (due to lots of COVID-19 claims being filed), but the company kept us informed about the process and why there was a delay. Also, the claims process was fairly easy. They reimbursed us for the entire claim. I would use them again.

very easy to file online. Quick decision in less than 30 days.

We eventually received a check in the mail for our claim. (There are 2 other checks still pending to our adult children living in other states.) But the only responses we ever got to our claim submission were emailed auto responses without anyone ever acknowledging what we had submitted or whether it was what was needed. The claims handling other than saying "we are swamped" was exceedingly noncommunicative.

FIrst time I had to use my travel insurance I had two canceled flights and had to stay overnight. I used this insurance to cover part of my costs. Air Canada refused to cover my entire hotel cost after having to stay overnight. It was easy to submit a claim. Not a long wait and I received an email for additional documentation (just my original boarding passes). Wasn't a long wait after that, I received a check for the amount I requested.

This was the first time in my life taking out travel insurance. We had a tropical storm interrupt our trip keeping us from making it to our hotel reservation. That hotel still charged us for the full amount & being stuck an extra night on a different island we had to quickly find accommodations for that night . The policy we purchased covered both of us for both nights . After I filled out a claim & submitted receipts I happily received full reimbursement for both lodgings . It did take about 8weeks , but I was told when I submitted my claim that they were short staffed & it would take awhile . They even sent me an email after 4 weeks apologizing for the delay . I was thrilled to get reimbursed which encouraged me to purchase this same insurance for our next trip ! Thank u