The Prime plan allows you to insure a higher trip cost than the Essential plan and also includes higher amounts of coverage to protect your pre-paid non-refundable monetary investment. This plan includes benefits for missed connections and changes in itineraries, along with a pre-existing condition waiver.
To learn more, see the Nationwide Prime product page.
The insurance is meant to cover your out of pocket expenses. When using points to pay for expenses, the only expense you may be out of pocket is the fees and taxes that may be applicable. As points are not out of pocket expenses those are not reimbursable. Please feel free to contact us if you have any questions or concerns.