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.
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The trip included a
cruise
Nationwide Mutual Insurance
Essential
Since I didn’t have the necessity to file a claim, it’s hard to rate the effectiveness of the policy. But it did provide peace of mind.
Raymond S. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Prior to the trip, I called with questions before I purchased, then called with questions AFTER I purchased. Everyone was accommodating and helpful. I did not need to file a claim...the trip was perfect, but having this coverage provided me with peace of mind.
Gayle K. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Choice Cruise
I choose Nationwide because I have another insurance account with this company and they have always been easy to work with and reliable, I would purchase this plan again.
Barbara F. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
I am happy to say that I did not need to USE the insurance so I cannot comment on how it actually works but just having it gives a great peace of mind.
Carla K. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
I had a foot injury. My doctor told me I would be ok to travel but I was a little apprehensive. I called to discuss my options and the agent reassured me that the company would stand behind me. I wasn't sure I would be able to go and the agent said I had time, to give my injury some time and see how I'd feel - there was no pressure just true compassion. I did go, and had a wonderful time...but it was nice to know someone had my back.
Tracy B. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Universal Cruise
Due to bathrooms failure on the plane we were taking to Copenhagen we had to turn around and return to IAD after a couple of hours flying. Because of this we had to cancel our non refundable hotel stay but we purchased travel insurance so we thought not a problem. The rep from Nationwide was very nice but told us we had no claim, so we’re not happy customers.
John W. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
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JoanneW
Hi Carol- thanks for your your reply. Since our flight was cancelled because of mechanical problems and we missed a day of our trip which caused us to forfeit our prepaid hotel, why does this not qualify?Jun 29,2019
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Carol
In order to be reimbursed under Trip Interruption for your prepaid hotel expenses, mechanical breakdown must be listed as a covered reason.
Here are the covered reason as listed in your policy:
"TRIP INTERRUPTION
The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are unable to continue on Your Covered Trip due to:
(a) Sickness, Accidental Injury or death of You, Traveling Companion or Family Member...:
(b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault during the trip; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence during the trip;
(c) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure;
(d) You or a Traveling Companion have a transfer of employment of two hundred fifty (250) miles or more;
(e) A Terrorist Incident that occurs in a city listed on Your Trip itinerary during the Trip...;
(f) The Insured, Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war;
(g) Bankruptcy and/or Default of the Insured’s Travel Supplier which occurs more than fourteen (14) days following the Insured’s Effective Date...;
(h) An Insured is terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated through no fault of Your own;
(i) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable;
(j) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours;
(k) Weather that causes complete cessation of services of the Common Carrier for at least twenty-four (24) consecutive hours and prevents the Insured from reaching his or her destination;
(l) You or a Traveling Companion being required to work during the Trip...;
Unfortunately, mechanical breakdown is not a covered reason so your claim was denied.Jul 02,2019-
JoanneW
Thanks for the info, Carol. Is this standard for all policies, including cruise policies or could we have purchased one that did not exclude mechanical failures.Jul 02,2019
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Carol
Unfortunately, there really is no standardization of coverage especially with reference to mechanical breakdown. It would be best for you to call us for assistance when quoting and purchasing a policy.Jul 05,2019-
JoanneW
Thanks so much for taking the time to get back to me. I hope that people like me won’t assume coverage when there is none. As a p and c person for 30 years for a RI company I should probably know better but when you purchase a package called ‘cruise’, is it unreasonable to assume that it is comprehensive? I guess research is in order.Jul 08,2019
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The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Great, affordable policy. Allowed us to relax and enjoy our vacation!
Savinder C. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Choice Cruise
I didn't need to use, thankfully but will not travel without insurance.
Linda S. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Did not use the plan but it appeared to cover everything I needed
Matthew S. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
I didn't need to use the plan, but I was happy with the service and price of the plan.
Pamela R. would
recommend this plan to a friend or relative.
We are very sorry to hear that your claim with Nationwide Mutual was denied under Trip Interruption which is the benefit that offers travelers reimbursement of their pre-paid, non-refundable expenses should they unexpectedly need to cut their travel short. However, reimbursement for your prepaid hotel expenses must be based on a covered reason as listed in your policy or your claim will be denied. Since bathroom failure on the plane did not fit into any of the listed events, your Trip Interruption claim was denied.
You were also not covered under Trip Delay because it would only reimburse you for (a) Any reasonable additional expenses incurred; or (b) A one-way Economy Fare to return You to Your originally scheduled return destination, but not for pre-paid non-refundable travel expenses.
Although we understand your disappointment, the Nationwide Universal Cruise plan is still a comprehensive travel insurance policy which provides a wide range of benefits. Regrettably none of our plans will cover every situation.
We certainly hope that you continue to consider a Nationwide plan for future trips. InsureMyTrip is open 7 days a week, 365 days a year, to speak with our customer care representatives who are able to recommend the most cost effective plans to cover your primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.