Nationwide Travel Insurance
Over the past 90 years, Nationwide Mutual Insurance Company and Affiliated Companies (commonly known as Nationwide) has built a reputation as a major player in the insurance and financial services sector. Emphasizing a customer-centric approach, Nationwide strives to offer quality products and services in the insurance, investing and retirement sectors.
So does Nationwide travel insurance live up to the hype?
In this article, we will conduct an in-depth review of what kind of travel insurance plans Nationwide offers and what is included so you can make the best choice to insure your vacation.
Nationwide Cruise Plans
If you are looking to take a cruise, Nationwide currently offers three different cruise plans.
Universal Cruise Plan
This plan is ideal for those taking shorter, more economical cruise vacations. It is designed to cover standard events that could occur during a cruise, like itinerary changes and mechanical breakdowns.
Highlights of the Universal Cruise Plan:
- Trip cancellation coverage: up to 100% of non-refundable trip costs
- Trip interruption coverage: up to 125% of non-refundable trip costs
- Itinerary change coverage: up to $100-$250
- Emergency medical expense and evacuation coverage: up to $75,000 and $250,000, respectively
- Coverage for missed connections and trip delays: up to $500
- Baggage delay and lost/stolen baggage coverage: up to $250 and $1,500, respectively
Choice Cruise Plan
The Choice Cruise Plan is geared toward cruisers looking for higher coverage levels or those embarking on longer cruises. It provides more comprehensive coverage at a great value.
Highlights of the Choice Cruise Plan:
- Trip Cancellation: Same as the Universal Plan
- Trip interruption coverage: up to 150% of non-refundable trip costs
- Missed connection/trip delay coverage: up to $1,500 and $750, respectively
- Emergency medical expense coverage: up to $100,000, with evacuation coverage at up to $500,000
- Coverage for pre-existing conditions if certain criteria are met
- Baggage coverage: Lost/stolen baggage up to $2,500; Baggage delay up to $500
- CFAR option available for an additional cost
Luxury Cruise Plan
The Luxury Cruise Plan offers the highest level of benefits, catering to experienced cruise travelers with complex itineraries. It has extensive coverage and increased benefits.
Highlights of the Luxury Cruise Plan:
- Trip Cancellation: Same as previous plans
- CFAR coverage: up to 75% of non-refundable trip costs
- Trip interruption coverage: up to 150% of non-refundable trip costs
- Missed connection/trip delay coverage: up to $2,500 and $1,000, respectively
- Itinerary change coverage: up to $250-$1,000
- Emergency medical expense and evacuation coverage: up to $150,000 and $1,000,000 respectively
- Coverage for pre-existing conditions if purchased within 14 days of initial trip payment
- Baggage coverage: Lost/stolen baggage up to $2,500; Baggage delay up to $1,000
Coverage may vary depending on your state of residence. When shopping for a travel insurance policy you should always read the details of your plan before you buy and consult the Certificate of Coverage.
Nationwide Single-Trip Insurance
Nationwide’s Single-Trip Insurance is a good solution for travelers planning a one-off vacation, and includes two plans: the Essential Plan and the Prime Plan. Let’s take a look.
Single-Trip Essential Plan
The Essential Plan is a comprehensive travel insurance package that offers coverage for various incidents that can occur before and during your trip, like trip cancellation, interruption, travel delay, and even lost luggage.
Highlights of the Essential Plan:
- Trip Cancellation: maximum of $10,000 for prepaid, non-refundable trip costs
- Trip Interruption: up to 125% of insured trip costs, with a maximum of $12,500
- Trip Delay: $150 per day (up to $600) for delays of 6 or more hours
- Baggage and Personal Effects: up to $600, with a $250 per article limit and a $500 combined maximum for valuable items
- Accident & Sickness Medical Expense Coverage: up to $75,000 for emergencies
- Emergency Medical Evacuation / Repatriation of Remains: up to $250,000
- Pre-existing Condition Waiver: available if purchased within 10 days of initial trip deposit
- Included Terrorism Coverage in the Itinerary City
- Optional additional coverage for Accidental Death and Dismemberment, Rental Car Collision/Loss and Flight-only Accidental Death
- Travel Assistance: included at no additional charge
Single-Trip Prime Plan
The Single-Trip Prime Plan from Nationwide allows customers to upgrade their coverage, offering higher benefit levels for policy coverages, and optional add-ons like CFAR coverage.
Highlights of the Prime Plan:
- Trip Cancellation: maximum coverage of $30,000 for prepaid, non-refundable trip costs
- CFAR: up to 75% coverage of non-refundable trip cost if purchased within 21 days of initial trip payment (not available in NY and WA)
- Trip Interruption: 200% coverage of non-refundable tour costs up to $60,000
- Trip Delay: $250 per day (up to $2,000) for delays of 6 or more hours
- Missed Connection / Itinerary Change Coverage: up to $500 for each
- Baggage and Personal Effects: coverage up to $2,000, with a $250 per article limit and a $500 combined max for valuable items
- Accident & Sickness Medical Expense Coverage: up to $150,000 for emergencies
- Emergency Medical Evacuation / Repatriation of Remains: up to $1 million
- Pre-existing Condition Waiver: included if purchased within 21 days of initial trip payment
- Terrorism Coverage in Itinerary City: included for trip cancellation and interruption
- Optional Accidental Death and Dismemberment, Flight-only Accidental Death, and Rental Car Collision/Loss Coverage
- Travel Assistance: included at no additional charge
Please note, a 10-day review period applies to the refund policy, which is not available in NY or WA.
Nationwide Annual Trip Insurance
Last but not least is Nationwide’s Annual Trip Insurance which is designed to provide worry-free protection for frequent travelers.
Nationwide offers a Pro Plan, Travel Plus Plan, and Travel Pro Deluxe Plan.
Pro Plan
This plan is available for $59 per year, offering coverage for trip delays, emergency medical expenses, emergency medical evacuation, lost luggage, and travel assistance services. The plan also extends to your domestic partner (spouse) and dependent children traveling with you.
Highlights of the Pro Plan:
- Trip Delay: up to $200 per person, per trip
- Emergency Medical Expenses: up to $10,000 per person, per trip
- Emergency Medical Evacuation: up to $50,000 per person, per trip
- Repatriation of Remains: up to $50,000 per person, per trip
- Baggage / Personal Effects: up to $500 per person, per trip
- Baggage and Sporting Equipment Delay: up to $100 per person, per trip
- Accidental Death and Dismemberment: up to $10,000 per person, per trip
- Travel assistance: included
Travel Plus Plan
The Travel Plus plan offers coverage for trip delays, emergency medical expenses, emergency medical evacuation, repatriation of remains, lost or damaged personal effects, and more. It also includes trip cancellation and interruption coverage with varying limits and corresponding rates.
Highlights of Travel Plus:
- Trip Delay: up to $200 per person, per trip
- Emergency Medical Expenses: up to $10,000 per person, per trip
- Emergency Medical Evacuation: up to $50,000 per person, per trip
- Repatriation of Remains: up to $50,000 per person, per trip
- Baggage / Personal Effects: up to $500 per person, per trip
- Baggage and Sporting Equipment Delay: up to $100 per person, per trip
- Accidental Death and Dismemberment: up to $10,000 per person, per trip
- Travel Assistance: included
The maximum annual limits for Trip Cancellation/Trip Interruption coverage are as follows:
- $1,250 limit for $145
- $2,500 limit for $209
- $5,000 limit for $359
- $7,500 limit for $539
- $10,000 limit for $719
Travel Pro Deluxe Plan
This highest level plan allows you to upgrade your post-departure coverage for an additional $20, increasing the benefit levels for travel delay, lost/delayed luggage, medical emergency, and medical evacuation.
Highlights of Travel Pro Deluxe Plan:
- Trip Delay: up to $500 per person, per trip
- Emergency Medical Expenses: up to $20,000 per person, per trip
- Emergency Medical Evacuation: up to $250,000 per person, per trip
- Repatriation of Remains: up to $250,000 per person, per trip
- Baggage / Personal Effects: up to $1,000 per person, per trip
- Baggage and Sporting Equipment Delay: up to $250 per person, per trip
- Accidental Death and Dismemberment: up to $25,000 per person, per trip
- Travel Assistance: included
This upgrade offers more extensive coverage, making it a valuable option for travelers who want additional security and peace of mind during their trips.
Please note, coverage for these plans applies to trips at least 100 miles away from home, lasting 30 days or less, and originating or stopping in the U.S. It extends to you, your domestic partner (spouse), and dependent children traveling with you, provided they meet certain eligibility requirements. The plan is not available for travelers aged 81 or older.
Nationwide Travel Insurance FAQs
If you still have some questions about Nationwide’s travel insurance plans, we’ve also provided answers to some common questions below.
How much are Nationwide travel insurance plans?
The cost of Nationwide’s travel insurance can vary depending on a variety of factors including the type of coverage plan you choose, the length and cost of your trip, and your age.
When’s the latest I can buy travel insurance for my upcoming trip?
With Nationwide, you can buy travel insurance up until the day before your trip begins, but to get the maximum benefits, especially time-sensitive benefits like pre-existing conditions waivers, CFAR and financial default, it’s best to buy the policy immediately after making your initial trip payment. If you delay the purchase, any incidents occurring before policy activation won’t be covered.
Do Nationwide plans cover pre-existing conditions?
Pre-existing conditions can be covered under specific conditions. For the Nationwide Single-Trip Prime plan, coverage is offered if the insurance policy is bought within 21 days of your initial trip deposit and you insure the full trip cost. Similarly, the Essential plan covers pre-existing conditions if the insurance policy is bought within 10 days after making your initial trip deposit, and the entire trip cost is insured.
Can I cancel my trip if there’s a death in the family?
Trip Cancellation and Trip Interruption provide coverage in the event of an unexpected death or serious illness of a non-traveling family member that forces you to either stay home or cut your trip short. The term “family member” varies by state in its definition, but it generally encompasses parents, grandparents, children, grandchildren, siblings, aunts, uncles, and spouses.
How to File a Claim with Nationwide Travel Insurance
Filing a claim with Nationwide is fairly straightforward. All you need to do is follow the below steps:
1. Contact the CBP Claims Department: Co-Ordinated Benefit Plans, LLC (CBP) manages claims for Nationwide.
Call 1-888-490-7606. A representative will guide you through the process, give you the appropriate claim form, and inform you of any supporting documentation needed based on the type of claim you’re filing (e.g., trip delay, trip cancellation, baggage delay, etc.).
2. Complete the Claim Form: Fill in all the required details in the claim form and gather any additional documentation required. Each type of claim has different requirements, which will be outlined on the form.
3. Submit the Claim: You can submit your claim via U.S. mail, fax, or email.
4. Wait for Review: After submitting your claim, allow 15 business days for the claim to be reviewed. If any additional information is needed, a CBP claim examiner will contact you.
Please remember to keep copies of all the documents and correspondence related to the claim for your records.
Final Thoughts
Nationwide offers a wide variety of travel insurance plans for every type of traveler. The process for getting a quote and making a claim is easy and efficient.
Before buying any travel insurance policy, visit TravelInsurance.com to compare plans from top insurance providers. TravelInsurance.com makes it easy for you to find a plan that best suits your specific budget and travel needs.
