Comprehensive plans offer the most benefits, including Trip Cancellation and Trip Interruption. These plans provide the best protection for the investment you have made in your trip.
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).
Mark N. would not
recommend this plan to a friend or relative.
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.
Tammy A. would
recommend this plan to a friend or relative.
Fortunately I found no reason for a claim in 2 months of travel. Occasionally I would look at my travel document and feel secure in the coverage , if needed. It is expensive to purchase. Partly due to my age, 78, I am sure. But, I will not travel outside the US without it
Richard C. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
Although I did not have to use the insurance, it gave me great peace of mind. Good value for the money and the website makes it easy to compare coverages and costs.
Loretta R. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
International Medical GroupiTravelInsured Travel SE
Oct. 6, 2022 Cruise canceled due to death in family. Claim filed Oct. 14, 2022. Claim paid Feb. 2, 2023. First claim submittal included official State Death Certificate listing cause of death (disease) and contributing diseases, hospital it occurred in, and all the other usual DC info., and electronically signed by certifying physician. IMG insisted on additional documentation signed by "Attending Physician", with complete history of onset and treatment of cause of death. I feel this is excessive and intrusive and irrelevant since the DC establishes that the covered reason, Death, was met and documented. All this required Medical Release of Information. Since We live in New England and deceased in Southeast, it was very difficult to obtain the Release from the deceased's, grieving and elderly spouse.
In addition, we had purchased a refundable shore excursion, so it was not included in the Covered Amount or in the claim. Yet, IMG insisted on proof from provider that it was reimbursable and amount of reimbursement. Again, irrelevant to claim and unnecessary hassle.
John S. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
It's hard to rate an insuror when you haven't filed a claim, so I'll based my review on the satisfaction I received from knowing insurance was in place. My husband and I argued over this expense--he thought we didn't need it--but being in our mid-70s, it seemed to me that insurance was a wise decision. A friend's family member (92) very recently broke her hip on a cruise to Mexico, and did not have insurance. She had to be airlifted at a cost of $40,000 to Stanford Medical Center. That caught my attention!
Harriet H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.