Travel Insurance Reviews for Nationwide

I began the filing process back in August for a claim and only just got the final response/payment. It took multiple emails and phone calls to get this processed correctly. Multiple duplicated requests for paperwork. Incorrect amounts mailed. The process of having to email in response to a question and then wait two weeks till someone decides to respond with yet another request for duplicated information was an example of extremely poor customer service. Extremely inconvenient not to be able to talk directly to the processor and get the claim processed timely. No explanation with checks either until the very last one after I requested to speak with management and the person on the phone assured me they would assist with following up. Would never work with them again for this reason.

Our cruise was canceled by the cruise company, and while they reimbursed the cost, this led to a rearrangement of our travel plans, resulting in additional costs and forfeited non-refundable airline tickets. Nationwide denied coverage for all these expenses, claiming that a common carrier breakdown is not a covered reason, which seems completely counterintuitive. They also rejected reimbursement for additional expenses related to our changed travel plans, stating that the cruise cancellation occurred before the scheduled travel date, and thus trip interruption or trip delay not being applicable.

We understand that the details are often in the fine print. However, not being experts in legal matters, we expected the insurance company to support us in a situation that seems to involve common sense, which our circumstances certainly do. I will review the fine print further, but in any case the outcome is most definitely not what a reasonable consumer would anticipate when purchasing travel insurance.

We are deeply dissatisfied with our purchase, with Nationwide, and with how the insurance company handled this situation.

We have always purchased trip insurance for our vacation travels. This was the first time I had ever had to file a claim. Our connecting flight was delayed over 3 hours causing us to miss embarkation in Miami for our 7-day cruise. The first 2 days were spent at sea and the first port of call in St. Kitts. We would not be able to get to the ship until 3 days later. We thought that our comprehensive insurance would reimburse us. However, we received an email notification from Nationwide denying our claim stating that because the flight was only 3 hours delayed we were not eligible to be reimbursed for anything. We were not refunded for trip delay or trip interruption. We paid just over $5K for the vacation and another $197 for the insurance that proved to be worthless. I would not recommend buying trip insurance from Nationwide.

I had to file a claim due to a trip interruption. The claim process was absolutely insane. It was difficult to get any type of reimbursement.

Had to make a trip delay claim. It took about 3 weeks to receive payment, but that isn’t excessive. The Nationwide website could be improved, but the process was fairly easy.

I had a condition that required medical care while taking a cruise in December 2023.
I filed my claim on 12/25/2023. Nationwide requested that I submit a Medical Expense claim form plus itemized bills, proof of payment, a copy of my Primary Insurer's EOB, copy of passport to confirm entry/ exit of foreign country, copy of accident report if injured and a copy of my policy confirmation of coverage.
On January 3, 2024, I sent an email to find out the status of my claim. I only received an automated reply.
On January 12, 2024, I called Nationwide. The person I talked to transferred me to Claims.
That person checked the status of my claim and said it was approved. He said they mailed the check on January 8th and to allow 30 days for it to arrive.
My check for the full amount of my claim arrived on January 16th. It was a long involved process, but they did finally pay my claim. It would not have been so bad if they had kept me advised of the status at all stages.

I had to cancel our trip due to a serious medical condition. It took probably two months for the claim to be processed and paid out. It was a lengthy process but they did pay out the full amount, so I think it was fair.

What can I say. This company is great. I had to place a claim due to my wife losing her job just 3 months before our cruise was to take place. All the representative were very friendly and knowledgeable. I received all the information needed (via email) to file a claim within minutes of completing my call.

After all the information required by Nationwide was received by them my claim was processed and paid in full to me within their normal process time required.

I have used them in the past and continue to use them today for all my travel needs.

You never know about any insurance plan until you have to use it. We did. We had to cancel a cruise due to an unexpected medical event. I put the claim in and it was paid out in full. So, what's the problem? We knew *nothing* about the status of the claim until the check(s) arrived in the post! In this age of fast communications, something as simple as an email to let us know what was going on would have been sufficient.

Had a foot injury while on shore on a cruise and had to see the ship doctor. The medical claim was submitted and I received reimbursement for the claim promptly.