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Travel Insurance Reviews Nationwide

In business since 1926, Nationwide focuses on providing the best possible service for its customers. Nationwide travel insurance plans offer a range of innovative benefits for a variety of travel needs.

Learn more about Nationwide.

Customers rated Nationwide Mutual Insurance Company
4.63 out of 5
8,623
ratings and reviews
97%
recommended
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Cruise
Filed claim
Nationwide Mutual Insurance Essential
We booked a trip to London on at the end of January for travel in mid-June. We purchased this policy on January 31, when covid-19 had yet to be named or determined to be a pandemic . Due to the UK's continued shutdown through the spring and the UK's 14 day mandatory quarantine policy, Delta cancelled our flight in late May. We filed a claim with Delta, who fully refunded our air travel. We filed a claim with Nationwide to recover our non-fundable deposit on the London flat that we made in January. The claim was denied since covid-19 was not a named peril in the policy (well it was January 2020 with less than a handful of cases in the US) and the policy supposedly did not cover cancellation by the airline. If we couldn't fly to London, how were we going to get there!? We had a Travelex travel insurance policy 10 years ago that completely reimbursed us for a cruise that we were unable to get to because Delta cancelled our flight due to a massive east coast Christmas snow storm. I don't believe a snow storm was a peril listed in the policy. I will never buy another Nationwide travel insurance policy and would not recommend to others. They are definitely NOT on you side.
Jefferey L. would not recommend this plan to a friend or relative.
3 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Megan
    Photo
    Thank you for your feedback.

    We are sorry your claim did not go as you had hoped. In the future, please consider calling us prior to purchase at 800-487-4722 so that our licensed representatives can review plan benefits and exclusions with you.
    Sep 29,2020
The trip included a
cruise
tour
Nationwide Mutual Insurance Luxury Cruise
Due to the pandemic we did not travel. All parties involved were cooperative and issued a refund.
Franklin M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
Agents suggest you take out the policy several months in advance. Cruise and flight cancelled, but rebooked at a cheaper cost. Insure my trip Nationwide refused any refund saying I only had 10 days to cancel or change Poilicy. Cruise line and air carrier gave refunds for price difference, not Nationwide! They took advantage of the situation! Will NEVER use Insure my Trip Nationwide again!
Debra G. would not recommend this plan to a friend or relative.
-1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Megan
    Photo
    Thank you for your feedback.

    We are sorry to learn that your trip was postponed. Fortunately, Nationwide Mutual Insurance was able to transfer your policy to the new travel dates at no additional cost. You are correct in that most comprehensive travel insurance policies have a review period, typically 10-15 days from the date you purchase the plan, depending on the state you live in. The Nationwide Essential plan in your state of residence has a 10 day review period in which insureds are able to cancel the policy or make any changes that would result in a premium refund. There are no refunds outside of the review period. For information about how travel insurance can accommodate a rescheduled or cancelled trip, please call us at 800-487-4722.
    Oct 06,2020
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
They state on their website they are refunding for canceled trips without claims due to Covid. It is been 10 weeks and I have not received anything except excuses. I will not purchase from them again.
Jocelyn S. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Megan
    Photo
    Thank you for your feedback.

    I am happy to see that Nationwide did refund your premium. Unfortunately, due to the pandemic and current climate of traveling this request did take much longer than usual.

    We hope you will reach out to us at InsureMyTrip for future travel insurance needs.
    Sep 21,2020
The trip included a
cruise
tour
Nationwide Mutual Insurance Luxury Cruise
We purchased the Luxury Policy through Nationwide for our retirement trip of a lifetime. We were to be gone 2.5 months. It included a 21 day cruise and then island hopping around French Polynesia, then flying to Australia to go to the Great Barrier Reef. Our cruise began in Sydney Australia on 2/28/20, we were supposed to disembark in Tahiti on 3/20/20. Due to COVID-19, our cruise was interrupted and we were sent home from Hawaii. We had 4 flights included in the covered cost of our policy: the flight to Sydney, island hopping flights around French Polynesia, the flight from Tahiti to Cairns, the flight from Cairns back to our home in California. We were fortunate and obtained refunds on two of the flights we did not utilize (thank you Air Tahiti and Expedia). The third, the flight from Tahiti to Cairns was not refunded and was denied by coverage by Nationwide. They said they do not cover pre-purchased flights that you are not able to utilize after a trip interruption. They would only be covered in the event of a trip cancellation. The total we are out is $1,246. I have to say, I'm not impressed! When you insure the value of a trip, including all of the costs that are non-cancellable and non-refundable, the coverage should reimburse for the insured costs that a traveler is out of pocket. They refuse to do so. I also acknowledge that some policies do not cover the expenses due to a pandemic, that is not the case with our policy because we purchased it in October, 2019, long before we had heard of COVID-19. Buyer, be careful to determine what is covered and what is not. I have purchased 5 or 6 Nationwide Luxury Cruise policies in the past and not had any issues. This is a first, but after paying $814 in premium to cover a 2.5 month trip and coming home after 1 month, and finding out that they will not reimburse me for this flight, I'm very disappointed in the Nationwide Luxury Cruise policy coverage.
Robin B. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Megan
    Photo
    Thank you for your feedback on the policy. We are sorry that you had to interrupt your trip of a lifetime.

    We appreciate you using InsureMyTrip for your travel insurance needs. As a travel insurance comparison website, InsureMyTrip offers dozens of plans from different providers. In the future, please consider calling us prior to purchasing a plan so that we can assist you in selecting the most cost effective policy that covers as many of your primary concerns as possible. Our toll free telephone number is 800-487-4722. We look forward to assisting you in the future.
    Sep 08,2020
The trip included a
cruise
tour
Nationwide Mutual Insurance Choice Cruise
We unfortunately had to utilize our travel insurance plan due to an ATV accident on Moorea. We cannot express our thanks enough for all the help in coordinating our medical evacuation and other details. We will never travel without insuremytrip.com.
Thank you again!
Shirley P. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
After looking at many travel insurance providers, we chose Nationwide. Unfortunately, my wife got sick and had to go to the medical center on the Carnival Breeze. We filed with our primary insurance and with Nationwide. My primary applied the entire amount to our deductible. Nationwide paid the entire amount. Yes you have to provide ALL the documents needed and it does take a while. Our cruise was in January and we got the check the 1st week of April. It took longer for my primary to process the claim. Once they received the necessary documents, Nationwide paid in about 15 or so days. We’re very happy with the process. Thank you Nationwide
Robert W. would recommend this plan to a friend or relative.
1 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
tour
Nationwide Mutual Insurance Essential
Nationwide does not consider the quarantine of an entire country due COVID-19 a valid claim. W were half into our trip when Norway closed all borders to entry to prevent the spread of COVID-19. Now Nationwide wants proof I was denied entry. Do I need a picture of me trying to cross the border? Forget appealing the ruling unless you in a select 12 few states where you can appeal to the Insurance commission. In the other 38 states it seems Nationwide is judge and jury. I certainly do not understand the great reviews of this terrible coverage.
James L. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
Nationwide Mutual Insurance Essential
My claim was denied during the COVID-19 global pandemic during the height of government lock downs and a time that was literally impossible to travel.

I filed a claim on April 22, 2020 for our honeymoon travel to the U.K. between May 9th- May 23. I took nearly a month to get back to me May 21st (which is some what reasonable because I am sure they have been swamped with claims). I booked the travel myself which made it a pain to file the claim.

In the end I was denied because the policy didn't mention "pandemic" specifically but it does mention natural disasters and quarantines. In their review they stated that a travel embargo is not a quarantine but that seems like lawyer speak to me. To be honest, I would not have even known to look for specific pandemic text when I planned the trip last September.

I feel like my claim got "lawyer-ed" which I guess is what happens in the insurance world but I will never use any service of Nationwide's again and I would not recommend their service to any one.
Edwin B. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
We purchased trip insurance that included trip cancellation. What a total waste of time and an obvious twisting of words by Nationwide to avoid paying a claim. This type of result is what gives insurance companies a bad name. I reviewed our policy in detail before filing our claim. Our cruise was cancelled by Holland America back in April due to Covid-19. This is the reply we received from Nationwide.

"Because the Coronavirus/COVID-19 is not one of the named perils listed in the plan, we are unable to consider this to be a covered claim. Regrettably, your claim does not qualify for reimbursement based on this reason"

Following the above statement, Nationwide lists what they do cover.... see below...

The policy you purchased provides the following benefits:

"Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine"

Do you see the problem here? They are picking and choosing (spinning) what they will cover. The Govt prevented cruising due to the spread of disease, but because their verbiage doesn't specifically say Covid-19, it doesn't qualify.

What a crock of BS! I will be filing a complaint with the department of insurance. I will NEVER purchase travel insurance from Nationwide again. In my opinion, they stole money from me in selling me a policy that was worthless!
Cory R. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
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