Travel Insurance Reviews for Nationwide

Thank you for your comments. After receiving your review, we reached out to Nationwide for a response. Here is their reply:

“According to the documentation provided, you are requesting reimbursement for an acupuncture treatment while you were on your cruise. The Emergency Sickness Medical Expense coverage provides reimbursement for Covered Medical Expenses which are necessary services and are ordered or prescribed by the attending Physician. Unfortunately, you were not treated by a physician while on the cruise that ordered or prescribed you to receive an acupuncture treatment.”

Although it is unfortunate to hear that you are not satisfied with the denial of your claim, the decision was made in accordance to the terms of your policy.

The acupuncturist on board treated me for vertigo after spending 2 days in my room. From the web..."Medical acupuncturists are physicians (e.g., medical doctors, osteopaths [osteopathic physicians], dentists) who have completed additional training in acupuncture."
I received this treatment so that I could function which I believe would be a necessary service. Thank you~

Thank you for confirming that Nationwide processed your claim fairly and easily. Usually Nationwide takes less than 30 days to process a claim except during hurricane season. The Atlantic hurricane system ranges from Jun 1, 2018 – Nov 30, 2018 for storms originating in the Atlantic Ocean. In addition, the Pacific Ocean has also had a very busy year with the first tropical depression recorded on May 15th. When you add all the claims activity from the California fires, you will see a more lengthy claim process at this time of year.

Thank you for your 5 star review of your Nationwide Luxury Cruise plan.
However, we also wish to point out to your fellow travelers, that payment was provided under "Trip Interruption For Any Reason":

"If You interrupt Your Trip, forty-eight (48) hours or more after Your actual departure date, for any reason not otherwise covered by this Certificate, the Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Coverage for the a) unused portion of the prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip;
b) the airfare paid less the value of applied credit from an unused travel ticket, to return home, join or rejoin the original Land/Sea Arrangements limited to the cost of one- way economy airfare by scheduled carrier, from the point of destination to the point of origin shown on the original travel tickets; provided:
i. Your premium payment is received prior to or on the date Your final deposit/payment for Your Trip is received and at least thirty (30) days prior to the Scheduled Departure Date; and
ii. You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure prior to or on the date Your final payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added to Your Trip."

Trip Interruption For Any Reason is a benefit that is only available in several Comprehensive plans. Please call us at 800-487-4722 if you wish to quote and purchase a policy.