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Nationwide Travel Insurance: The Complete Guide

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About Nationwide Travel Insurance

Already one of the biggest names in insurance, Nationwide Travel Insurance is one part of Nationwide Mutual Insurance Company. As a whole, the Columbus, Ohio-based insurance giant started in 1925 , when the Ohio Farm Bureau Federation incorporated the Farm Bureau Mutual Automobile Insurance Company. The insurer officially changed its name to Nationwide in 1955, after expanding service to 32 states and the District of Columbia. Today, Nationwide offers more than just insurance – their divisions include a bank, a financial services company, a farmland insurance company and even a pet insurance brand.

Compared to other companies, Nationwide is a relatively new travel insurance provider. The company began offering their travel insurance products on InsureMyTrip.com in 2015, and expanded to Squaremouth.com in 2018. Currently, the insurance company focuses on three types of products: cruise travel insurance , single trip travel insurance, and annual travel insurance .

How is Nationwide Travel Insurance rated?

As one of America’s oldest insurance companies, Nationwide has a solid reputation for their financial stability and commitment to policy holders. All travel insurance policies are underwritten by Nationwide Mutual Insurance Company, which has an A+ Superior rating from A.M. Best in the financial size category of $2 billion or greater. The company also holds an A+ rating with the Better Business Bureau , with a composite customer review score of one star (out of five).

In the travel insurance marketplaces, InsureMyTrip.com gives Nationwide an average score of 4.5 stars (out of five) for their cruise travel insurance and single trip travel insurance products. At Squaremouth.com , Nationwide has earned a rating of 4.04 out of five stars, and has sold over 5,783 policies since January 2018.

What travel insurance products are available from Nationwide?

Nationwide Travel Insurance primarily focuses on three travel insurance products: cruise trip insurance , single trip insurance , and annual trip insurance . The company also offers two student education plans, which are available through InsureMyTrip.com : Academic Explorer All Inclusive Domestic and Academic Explorer All Inclusive International.

Please note: all schedules of benefits are subject to change. For the most up-to-date coverage information, contact Nationwide Travel Insurance.

Nationwide Cruise Travel Insurance

Universal Cruise Plan: Nationwide is among the few travel insurance companies to provide an independent cruise-only travel insurance plan. At the lowest end, the Universal Cruise Plan covers many of the basic situations that can go wrong while embarked at sea.

• Like traditional travel insurance plans, the Universal Cruise Plan covers a maximum trip cancellation benefit of 100 percent of non-refundable trip costs and a trip interruption maximum benefit of 125 percent of non-refundable trip costs. Covered reasons for trip cancellation or trip interruption include weather, extension of a school operating session, work-related issues, or an act of terrorism in the itinerary city. 
• This plan differs from a traditional travel insurance plan by offering an Interruption for Any Reason benefit, which reimburses transportation change costs up to $250. Missed connections that cause a delay of over three hours or trip delays of over six hours are also covered, with a maximum benefit of $500 for each type of incident.
• Should you get ill or injured on the ship, this plan offers up to $75,000 of both emergency accident and sickness medical expense coverage. It is important to note that this is secondary coverage, not primary coverage. This means that all other insurance, including policies from a credit card  must be depleted  before the Nationwide insurance plan will cover claims. The plan also offers up to $750 of emergency dental expense coverage and up to $250,000 of emergency medical evacuation coverage.
• If your bags are delayed or lost , Nationwide’s Universal Cruise Plan can help. If your bags are delayed by more than eight hours, the baggage delay benefit will cover up to $250 in qualifying expenses. If your luggage is outright lost or stolen, the insurance plan offers a maximum of $1,500 in payouts, including a maximum of $600 for special items and a $300 per article limit.
• Finally, unplanned itinerary changes are also covered under this plan. If a port of call is changed prior to departure, this plan offers a maximum of $500 in coverage. If a covered issue impacts your cruise experience, like a fire or mechanical issue, you could qualify for up to $100 in coverage. These two specific benefits are not available to residents of Florida, Minnesota, Missouri, New Hampshire, Oregon, Pennsylvania, Virginia, or Washington state.
• As a third-party travel insurance plan covering a cruise, Nationwide’s Universal Cruise Plan is a frugal purchase with lots of benefits. For a 34-year-old male traveling on a $1,500 four-day cruise from North Carolina sailing to the Bahamas, we were quoted a price of $51.45, but your insurance quote and benefits may vary based on age, location, trip price, trip length, cruise line and destination.
• See the sample certificate of coverage

Choice Cruise Plan: While the Choice Cruise Plan introduces new benefits, including the pre-existing condition waiver, non-medical evacuation and accidental death and dismemberment coverage, the primary advantage over the basic Universal Cruise Plan is the higher maximum benefits.

• For those concerned about a pre-existing condition , this plan offers a waiver if it is purchased prior to the final trip payment and all eligibility requirements are met. The additional accidental death and dismemberment benefit offers up to $25,000 of coverage in the event of an emergency causing the loss of life or limb. If a non-medical evacuation from the ship is required, this plan offers a maximum of $25,000 of coverage.
• Like the Universal Cruise Plan, the Choice Cruise Plan offers a maximum of 100 percent trip cancellation coverage of non-refundable trip costs. The plan also offers a 150 percent maximum of non-refundable trip costs for trip interruption, an increase of 25 percent. The plan may pay up to $500 towards transportation change cost reimbursement under the interruption for any reason benefit, if eligibility requirements are met.
• If you miss a connection which causes a delay of more than three hours, the plan offers up to $1,500 in coverage for lost events or costs incurred. If your trip is delayed by over six hours, the trip delay benefits can reimburse up to $750 of incidental costs.
• Emergency accident and sickness medical expense benefits are increased to a maximum of $100,000 of secondary coverage, meaning other insurance plans must be exhausted before this plan will pay for coverage. Emergency medical evacuation coverage is increased to a maximum of $500,000, and emergency dental expense is a maximum of $750.
• For those concerned about their luggage getting lost or stolen, this plan offers increased maximums from the Universal Cruise Plan. If baggage is delayed by eight hours or more, this plan offers a maximum baggage delay reimbursement of $500 towards incidental costs. Baggage that is lost or stolen is covered to a maximum of $2,500, with a special item maximum of $600 and a limit of $300 per article. The plan also offers itinerary change coverage: a maximum of $750 for ports of call change prior to departure, $200 maximum for fire, mechanical, or other covered issue affecting your cruise experience after departure and $500 maximum for an itinerary change after departure that causes you to miss a pre-paid shore excursion . Again, changes to the ports of call and cruise experience impact coverage are not available to residents of Florida, Minnesota, Missouri, New Hampshire, Oregon, Pennsylvania, Virginia, or Washington state.
• The Choice Cruise Plan is also the first to offer the Cancel for Any Reason benefit , which allows travelers to recover up to 70 percent of non-refundable trip costs if you decide not to take your cruise after all. The Cancel For Any Reason option is an additional purchase, priced based on your quoted rate.
• Compared to the Universal Cruise Plan, the Choice Cruise plan is equally as economic as the lower plan but with more benefits. When we quoted the same trip above for the Choice Cruise Plan, we saw only an 8 percent price increase for more maximum allowances. At the price point, it could make more sense to purchase the Choice Cruise Plan to ensure you get a higher level of coverage for almost the same price.

Luxury Cruise Plan: If you are planning an expensive, once-in-a-lifetime cruise, then you may definitely want to consider the Luxury Cruise Plan.

• Offering the highest level of coverage, the Luxury Cruise Plan increases all of the maximum coverage levels, helping you retain the most peace of mind on your trip.
• Like the Choice Cruise Plan, the Luxury Cruise Plan offers a maximum 100 percent trip cancellation benefit for non-refundable trip costs, as well as a maximum 150 percent trip interruption benefit for non-refundable trip costs. The interruption for any reason benefit is increased to $1,000 to cover transportation costs if eligibility requirements are met.
• If your trip is delayed by three hours or more from a missed connection, this insurance plan can cover up to $2,500 of costs. If your trip is otherwise delayed, the Luxury Cruise Plan can reimburse up to $1,000 in costs if you are delayed for more than six hours.
• Emergency accident and emergency sickness medical expenses are still secondary coverage, but provide a large safety net for cruise travelers. Should you fall ill or have an accident, this plan offers a maximum coverage limit of $150,000. If emergency medical evacuation is required, this plan can cover up to $1 million in costs. The emergency dental expense is also increased to a maximum of $750, but accidental death and dismemberment coverage still maxes out at $25,000.
• As with the Choice Cruise Plan, this travel insurance plan offers a $25,000 non-medical evacuation benefit, along with coverage for lost and stolen luggage or delayed baggage. The plan also includes a pre-existing condition waiver if your plan is purchased prior to final trip payment and all eligibility requirements are met.
• Using the same itinerary for the Universal Cruise Plan, this high-end plan is priced significantly higher than both lower plans. Compared to the Universal Cruise Plan, prepare to pay nearly 50 percent more for the best benefits offered on a cruise ship by Nationwide.

Nationwide Single-Trip Insurance

Essential Plan : Travelers who are not going to be on a cruise ship but still want a high level of protection may want to consider purchasing a Nationwide Single-Trip insurance plan instead. The Single-Trip Essential plan balances benefits with additional buy-ups in order to build the best protection for your trip.

• At the base level, this plans offers a maximum $10,000 benefit for trip cancellation, which will cover pre-paid, non-refundable trip costs if you are forced to cancel for a qualified reason. If your trip is interrupted early, this plan offers a reimbursement benefit of up to 125 percent of insured trip costs, with a maximum of $12,500. Should your trip be delayed for a covered reason by at least six hours, this plan offers a $150 per day trip delay benefit, with a maximum benefit of $600. Luggage delay benefits offer up to $100 of coverage for incidental costs if your luggage gets lost for more than 12 hours.
• If your bags are lost or stolen during your trip, the Single-Trip Essential Plan offers up to $600 of travel insurance benefits. Individual articles are limited to $250 maximum, while valuable items are capped at a combined total of $500.
• As a basic plan, Nationwide’s Single-Trip Essential Plan also offers coverage for emergency accidents and illness while abroad. The accident and sickness medical expense benefit offers up to $75,000 of secondary coverage, meaning all other collectible insurance must be paid up to its limits before this plan will pay benefits. Emergency dental coverage is capped to $500 and is included in the medical expense coverage, while emergency medical evacuation or repatriation of remains benefits are limited up to $250,000.
• Nationwide’s plan is unique in that it extends trip cancellation or trip interruption coverage due to an act of terrorism in an itinerary city. Should you decide to cancel your trip due to an act of terrorism, you may be able to receive benefit payments. If you buy your plan within 10 days of your initial trip deposit, you will also be covered for trip cancellation and interruption due to common carrier financial default and receive the pre-existing condition waiver benefit. Additional coverages you can purchase in this plan includes accidental death and dismemberment, accidental death during a flight, and rental car collision or loss coverage.
• When we requested a quote for a 34-year-old traveler going to Germany on a $1,500 trip, Nationwide priced our plan at $45.27, which is a competitive price for travel insurance. Your price will vary based on your age, destination, trip price, travel dates and any additional options you may choose.

Prime Plan : As the premier plan offered by Nationwide for a single trip, the Single-Trip Prime Plan offers the highest coverage levels and the most add-on options.

• Prime is the only single trip travel insurance plan to feature a Cancel for Any Reason benefit, along with add-ons for accidental death and dismemberment, flight-only accidental death and dismemberment and rental car collision/loss coverage.
• The trip cancellation benefit is increased to $30,000 and is limited to prepaid, non-refundable trip costs. If you decide to purchase additional Cancel for Any Reason coverage within 21 days of your initial trip payment, you can recover up to 75 percent of your non-refundable trip costs. Cancel for Any Reason benefits are not available to those in New Hampshire, New York, or Washington state.
• The trip interruption benefit is also increased to up to 200 percent of your non-refundable tour costs, with a maximum of $60,000. If your trip is delayed by at least six hours, you could also qualify for trip delay benefits of up to $250 per day. Trip delay is limited to a maximum benefit of $1,500. This plan also offers a missed connection or itinerary change benefit of up to $500.
• If your bags are delayed or lost, the Prime Plan may cover you. The baggage delay benefit can reimburse up to $600 of incidental expenses if you are delayed by 12 hours or more. If your bags are lost or stolen, the baggage and personal effects benefits offers maximum coverage of $2,000, including a $250 per article limit and $500 maximum for valuable items.
• As with the Essential Plan, the Nationwide Single-Trip Prime Plan offers emergency accidental and sickness medical expense coverage. In an emergency, this plan offers a maximum secondary benefit of $150,000 if all expenses are covered during your trip. Included in the medical expense coverage is a maximum emergency dental benefit of $750. If you need emergency medical evacuation or your remains must be repatriated, the maximum benefit is $1 million.
• By purchasing your plan within 21 days of your initial trip payment, you also qualify for two additional benefits: trip cancellation and trip delay due to financial default and the pre-existing condition waiver benefit. These two benefits can only be accessed through early purchase. If you might add additional costs to your trip later, still purchase your insurance early because you can always add more coverage later.
• Because this travel insurance plan offers a lot more coverage, it also comes with a higher price tag. When we priced out our trip, the cost was almost double that of the Essential Plan. 

What is excluded from Nationwide Travel Insurance?

All travel insurance plans have key exclusions. Before you file a claim, it’s important to know what situations are excluded from Nationwide plans. Exclusions on these plans include:

• War, Invasion, acts of foreign enemies, or civil war: If a war breaks out while in your destination country , don’t count on Nationwide Travel Insurance to pay out benefits. Any acts of war are specifically excluded from your travel insurance plan.
• Participation in underwater activities: Although deep sea diving and spelunking may sound tempting, injuries or death resulting from underwater activities are not covered under this plan. But recreational swimming is covered, so don’t be afraid to get in the water.
• Piloting an aircraft: Regardless of your status or experience as a pilot, operating an aircraft is not covered by Nationwide Travel Insurance plans. This includes actual piloting, learning to pilot, or acting as an aircraft crew member.
• Participation in hazardous activities or bodily contact sports: Much like other travel insurance plans , participating in activities such as rock climbing, hang gliding, rugby, or rodeo are not covered by Nationwide Travel Insurance. Nationwide Travel Insurance does not offer a hazardous activity add-on benefit, so you shouldn’t participate in hazardous activities while covered by these plans.
• Accidental injury or sickness when traveling against a doctor’s advice: If a doctor says you shouldn’t travel, it may be in your best interests to follow their advice. Should you get injured or ill, Nationwide Travel Insurance will not cover your treatment costs as a result.
• Confinement or treatment in a government hospital: Voluntary or not, receiving care in a government hospital is not covered under your travel insurance plan. But in some situations, the United States Government could seek claim payment for treatment.
• Pregnancy and childbirth: As with most travel insurance plans, pregnancy and childbirth is not covered. However, should you experience complications from either, those may be covered by your trip insurance.
• Services not shown as covered: Simply put: if it’s not on your travel insurance certificate of coverage, it isn’t covered.

Please note that this is not a comprehensive list of all exclusions. Before filing a claim, be sure to refer to your certificate of coverage to see all exclusions.

How do I file a claim with Nationwide Travel Insurance?

Nationwide Travel Insurance does not allow you to file a claim online, nor do they allow you to access the required claim forms online. Instead, if you need to file a claim, you must first contact Co-ordinated Benefit Plans, LLC, who processes the claims on behalf of Nationwide. The number you will call will depend on which plan you purchased and can be found on the Nationwide website .

When you call, a customer service agent will help determine if your situation may be covered under your plan and will forward claim forms you will need to return. When completing your claim, be sure to submit supporting documentation, including receipts, doctor’s reports, or time-stamped lost luggage claims with your common carrier. A claims adjuster will then determine if your situation qualifies for payment under the policy.

Some situations, like doctor or facility referrals, may be handled through Nationwide’s 24/7 travel assistance partner, On Call international. Contact phone numbers, both toll-free and collect, are available on Nationwide’s website. 

Who are Nationwide Travel Insurance products best for?

Hands down, Nationwide offers the best travel insurance products for those embarking on a cruise. Because of their specialized attention to the needs of cruise travelers, their three cruise insurance plans provide an increased level of care that many others can’t provide. If you are planning a cruise and are concerned about the worst that could happen, you should definitely consider Nationwide’s cruise insurance plans ahead of plans offered by the cruise lines.

The single trip plans are comparable to many other plans, but the costs do not necessarily equate to the level of coverage you are receiving. In addition, the medical coverage offered by the plans are secondary, which could be okay if you don’t have any other medical insurance available. Before you decide to purchase a single-trip plan, be sure to weigh all your options: filing an emergency medical claim may require you to exhaust any options available through credit cards or other sources first. 

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Table of Contents

What does Nationwide travel insurance cover?

What does nationwide travel insurance cost, what isn’t covered by nationwide travel insurance, can you buy a nationwide plan online, is nationwide travel insurance worth it.

Are you considering purchasing travel insurance for your next vacation? It could be a good idea, especially in an era of overbooked flights, travel delays and lost luggage. Insurance company Nationwide can sell you travel insurance, which will cover you in the event that things stray from the plan. 

Let’s take a look at Nationwide travel insurance, the policies available and the benefits that they provide. 

Nationwide offers two different travel insurance plans for its customers: an Essential option and a Prime version. As the name implies, Prime provides more coverage and is more expensive. 

With the essential plan, you'll have benefits like trip cancellation or interruption, coverage for medical emergencies and a fixed fee for delayed/lost luggage. The prime plan includes missed connection reimbursement, and generally, a higher reimbursement amount per benefit.

» Learn more: Common myths about travel insurance and what it covers

To do a proper Nationwide travel insurance review, we input a search for a 28-year-old from Michigan traveling to France for three weeks on a $7,000 trip. 

A quick Nationwide travel insurance review shows that you’ll see quite a few more benefits associated with the Prime plan, though neither option is especially cheap. Coverage areas that are missing from the Essential plan include missed connection reimbursement, itinerary change reimbursement and 24-hour AD&D insurance, though this last one can be added on. 

The Essential plan also sees significant drops in the monetary reimbursement you can expect when things go awry. Despite being only 38% cheaper than the Prime plan, coverage is significantly stripped down. You can especially see this with baggage delay ($100 versus $600), lost baggage ($600 versus $2,000) and trip delay ($600 versus $2,000). Trip cancellation is basically the only coverage area that remains the same — 100% no matter which plan you choose.

» Learn more: How to find the best travel insurance

Additional options and add-ons

No review of Nationwide travel insurance would be complete without mentioning add-ons. Your available options will differ based on the plan you choose.

As you can see, the available options and their costs can range quite a bit. If you’re looking for maximum coverage, it’s easy to more than double the cost of your original quote. 

The most expensive add-on is only available to Prime policyholders. Cancel For Any Reason insurance allows the ultimate in flexibility as it’ll refund you up to 75% in trip costs in the event you want to cancel your trip. 

Those opting for an Essential plan can also choose to purchase 24-hour AD&D coverage, which comes included with the Prime policy. Doing so includes flight-only coverage for Essential plans, though strangely that’s considered an add-on for Prime. 

Finally, rental car insurance is available regardless of which plan you pick, though you can receive more coverage with the higher-tier Prime policy. 

Many different travel credit cards provide complimentary trip insurance when you use your card to pay. Check these before purchasing travel insurance. 

» Learn more: The best travel credit cards right now

As nice as it would be to purchase fully comprehensive travel insurance, the truth is that nearly all policies have exclusions of some kind. This may mean that your policy won’t cover instances of COVID-19 or the decision to jump out of a plane. 

Here are some general exclusions you can expect:

Accidental injury or sickness when traveling against the advice of a physician.

Participation in canyoning or canyoneering, extreme sports or bodily contact sports.

War or any act of war whether declared or not.

Exclusions vary based on the policy and where you live, so you’ll want to read your guide to benefits carefully to see what coverages apply to your policy. 

» Learn more: Is there travel insurance that covers COVID quarantine?

If this Nationwide essential travel insurance review has spurred you to make a decision, it’s simple to find a quote for yourself. You’ll need to navigate to Nationwide’s travel insurance page , where you’ll find a form asking for your personal information. 

In addition to single-trip coverage, Nationwide also provides multi-trip plans and plans focused on cruises.

» Learn more: How much is travel insurance?

Nationwide has been in operation since 1925 and is a well-established insurance provider. They offer a range of insurance policies including car, motorcycle, homeowners, pet, farm, life and travel insurance. Nationwide's travel insurance policies can be purchased for cruises , single trips or multi-trips.

Nationwide travel insurance plans have various benefits including trip cancellation, interruption or delay, financial default, missed connection, itinerary change, Cancel For Any Reason (CFAR), medical emergencies, 24-hour accidental death and dismemberment (AD&D), pre-existing conditions exclusion and waiver, and baggage delay. Each policy is different, so you'll want to ensure you read the fine print to know your coverage.

Nationwide's essential plan does not cover Cancel For Any Reason. However, for an additional cost, you can add CFAR to Nationwide's Prime plan. With that coverage, you will be eligible for reimbursement of up to 75% of nonrefundable trip costs. Note that this must be added on within 21 days of your first trip payment.

If you need to submit a claim, you'll first call the CBP Claims Department at 888-490-7606. A representative will provide a claim form and a list of documents to submit. Claims can then be submitted via U.S. mail, fax or through email. Assuming your claim is reimbursable, you'll receive payment via direct deposit or a check.

Nationwide has been in operation since 1925 and is a well-established insurance provider. They offer a range of insurance policies including car, motorcycle, homeowners, pet, farm, life and travel insurance. Nationwide's travel insurance policies can be purchased for

, single trips or multi-trips.

Are you looking for strong coverage over a wide range of incidents? Nationwide could be a good travel insurance option for you, but only if you’re willing to shell out for its more expensive policy. 

That being said, if you hold a travel credit card, odds are that you already have some form of complimentary travel insurance. You’ll want to check this first to see if those benefits are enough for your trip — if not, a Nationwide insurance policy could offer the coverage that you need. 

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Nationwide Travel Insurance Review

B uying travel insurance coverage can protect you from unexpected expenses incurred during a trip. These include needing to cancel or interrupt your travel plans, lost luggage, emergency medical expenses and travel delays.

Nationwide travel insurance is among our top picks for the best travel insurance companies . It offers multi-trip plans, dedicated cruise travel coverage, pre-existing condition waivers and round-the-clock travel assistance.

Read our Nationwide Travel Insurance review to learn about the pros and cons of doing business with this well-known travel insurer and decide if it’s the best option for you.

Best for cruise travel insurance

Nationwide is the best company we’ve found for cruise insurance. It offers dedicated cruise travel insurance plans covering unforeseen scenarios you may encounter during a cruise vacation, including itinerary changes and mechanical breakdowns.

Nationwide travel insurance pros and cons

Pre-existing conditions waiver available with most plans

24-hour travel assistance available

Offers cruise-specific plans

Cancel for any reason coverage is only available with premium plans

Offers few add-ons compared to other insurers

Travel insurance covers medical emergencies and other potentially expensive issues while you’re abroad. While it isn’t required for most destinations, like the best travel credit cards , it can provide peace of mind for a fraction of your total trip cost.

Here’s what you can expect from your Nationwide Travel Insurance plan.

Pros explained

Pre-existing conditions are a common travel insurance exclusion. If you developed symptoms of, were treated for or were diagnosed with a condition before purchasing coverage and then suffered a relapse during your trip, travel insurance will cover treatment for it only if you qualify for a pre-existing condition waiver upon purchasing the plan.

According to travel insurance broker Squaremouth, Nationwide offers pre-existing condition waivers on several of its plans. Travelers who purchase the Essential or Primer plans within 20 days of the initial trip deposit may qualify for the waiver, as are those who purchase the Choice Cruise or Luxury Cruise plans within 14 days of the initial deposit.

Note, however, that you must meet certain conditions for the waiver to be valid (including being medically approved to travel). And this benefit is not available on the Universal Cruise Plan.

Nationwide’s travel insurance plans offer comprehensive 24-hour emergency services, including emergency medical evacuation and repatriation, transportation post-stabilization and repatriation of mortal remains.

The company also provides travel support services, including medical monitoring, interpretation services and assistance with making emergency travel arrangements or replacing lost or stolen items such as medication or medical devices.

Compared to other travel insurance companies, Nationwide provides more expansive and customizable cruise insurance coverage. The company offers three plans tailored specifically for cruises: Choice, Universal and Luxury. Each covers cruise-specific travel-related setbacks such as medical evacuations, itinerary changes and missed connections.

Cruise-specific coverage includes:

• Cancellations due to weather or social unrest in an itinerary country
• Missed connections while you’re off the cruise ship
• Reimbursement for canceled prepaid excursions due to itinerary changes

Cons explained

Cancel for any reason (CFAR) coverage allows policyholders to cancel their trip for reasons other than those listed as covered in their policy details. Standard canceling policies don’t include coverage for situations where travelers simply change their minds about their trip or have personal reasons for canceling. With CFAR coverage, however, they can cancel their trip for any reason whatsoever.

With Nationwide, CFAR Coverage is only available with the Prime and Luxury Cruise plans. If you opt for a lower plan tier, your customization options will be limited to rental car coverage.

Nationwide offers few options for policy customization beyond CFAR and rental car coverage. By contrast, other insurers provide coverage for pets, adventure sports and accidental death and dismemberment.

Nationwide travel insurance plans

Choosing the right travel insurance plan for your trip is crucial. Like the best travel rewards credit cards , the right plan can help you save money on your trip. However, the wrong plan could be an unnecessary expense.

Nationwide offers several travel insurance plans and some level of customization through standard add-ons. You can learn more about the details of each plan and get a quote on Nationwide’s website.

Below is a brief overview of the different travel insurance plans Nationwide offers.

Single-trip plans

You can buy single-trip insurance for a flat price and get coverage for the extent of your trip, whether a few days or a month. Nationwide offers two single-trip plans:

CFAR coverage is only available with Prime. This option costs extra and will cover 75% of non-refundable trip costs, provided you purchase it within 21 days of your initial trip payment and meet other specific requirements.

Multi-trip (annual) plan

Annual plans, also known as multi-trip travel insurance, are designed to cover multiple trips per year and are paid on an annual or monthly basis.

Nationwide’s Annual Travel Pro Plan has several trip cancellation benefit options from $1,250 to $10,000. Trip interruption coverage will depend on whatever tip cancellation option you select. Baggage and personal effects coverage is $500 per person/trip with a $200 per article limit and a $400 maximum for valuable goods.

As for medical coverage, the annual plan provides the following:

• $10,000 per person/trip (secondary) for emergency medical expenses
• $750 per person/trip for emergency dental expenses (included in medical coverage)
• $50,000 per person/trip for emergency medical evacuation and repatriation of remains

This plan does not include CFAR coverage or a waiver of pre-existing conditions

Cruise plans

Nationwide’s cruise insurance differentiates the company from others in the industry. Cruise insurance covers every destination country, plus robust medical evacuation coverage. Nationwide offers three cruise insurance plans.

All three cruise plans offer a benefit that allows policyholders to cancel their travel plans due to work reasons. Additionally, the Choice and Luxury plans include a pre-existing condition waiver, provided you purchase insurance within 14 days of the initial trip deposit and meet certain conditions.

CFAR coverage is exclusively available with the Luxury plan. This option covers 75% of non-refundable trip costs. Please note that CFAR entails an additional cost and requires purchasing coverage within 14 days of the initial trip payment, along with meeting other conditions.

Nationwide travel insurance pricing

With Nationwide, travel insurance costs vary depending on the plan you select and factors such as:

• The number of travelers in your group
• Your age and the ages of your travel companions
• The total cost of your trip
• Add-ons and additional coverage you purchase

To get an accurate estimate of what you might pay for travel insurance with Nationwide, request a quick online quote on the company’s website or contact its 24/7 customer service helpline.

Nationwide financial stability

Nationwide Mutual Insurance Company is an established insurer with an A+ (Excellent) financial strength rating from AM Best. This rating indicates the company’s strong ability to meet its financial obligations, particularly in terms of paying out claims.

Nationwide accessibility

Because Nationwide is such a large company, its insurance plans are widely available. The company also takes steps to be as accessible as possible.

Availability

Nationwide Travel Insurance is available in all 50 states. However, policies can vary from state to state. Coverage for itinerary changes, for example, may include those caused by fires, mechanical issues, illnesses and more, depending on the state where you buy your plan.

Contact information

Nationwide allows policyholders to get a quote and file a claim online. The company also offers a 24/7 worldwide travel assistance line: 1-877-970-9059.

You can call the helpline to ask about your coverage or get help finding a network provider. If you want to pay for your Nationwide travel insurance, you can do it through your account or as a guest online.

Nationwide Travel Insurance doesn’t have a public email address, but you can fill out a form on the contact page of Nationwide’s website to send an email.

User experience

Most Nationwide Travel Insurance reviews report an intuitive user experience. The website is easy to navigate and provides clear directions to compare plans, file a claim or make payments. Customer reviews report quick response times and helpful customer service agents.

Nationwide travel insurance customer satisfaction

While Nationwide gets mixed reviews on third-party review platforms, consumers should remember it’s a large insurance company, and most public customer complaints aren’t specific to its travel insurance plans.

Nationwide is rated 1.15/5 stars on BBB.org. Again, that score doesn’t necessarily reflect the experience of Nationwide’s travel insurance customers. However, some customers have reported difficulty filing claims for other insurance products.

Nationwide travel insurance FAQs

How can travelers file a travel insurance claim with nationwide, does nationwide offer a "cancel for any reason" upgrade, is nationwide travel insurance worth it, how we evaluated nationwide travel insurance.

We evaluated Nationwide Travel Insurance for this review by comparing it to other top insurance providers. Some critical features we considered include:

• Variety of plans offered
• Add-on coverage options
• Accessibility
• Customer reviews and complaints
• Coverage limits
• Inclusion of pre-existing condition waivers

Summary of Money’s Nationwide Travel Insurance Review

If you’ve booked an expensive trip and covered non-refundable trip expenses ahead of time, travel insurance could give you peace of mind knowing you can be reimbursed for cancellations and other unforeseen events.

Nationwide offers comprehensive coverage through single-trip, multi-trip and cruise plans. The company might be the best insurance provider for you if you want multiple options for cruise insurance. With the right coverage, you can be protected against cruise-specific setbacks such as itinerary changes and non-emergency evacuations.

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