Nationwide Travel Insurance Review
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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.
What does Nationwide travel insurance offer?
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.
» Learn more: Common myths about travel insurance and what it covers
What does Nationwide travel insurance cost and include?
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.
$600 ($150 daily limit / minimum 6-hour delay required).
$2,000 ($250 daily limit / minimum 6-hour delay required).
10 day wait, if insurance purchased within 10 days of initial trip payment.
10 day wait, if insurance purchased within 21 days of initial trip payment.
Cancel for any reason (CFAR)
Up to 75% of non-refundable trip cost.
Accident & sickness medical expense
24-hour accidental death and dismemberment (AD&D)
Emergency medical evacuation and repatriation
$500 included in medical coverage.
$750 included in medical coverage.
Baggage & personal effects
$600 ($250 per article limit, $500 combined max for specific items).
$2,000 ($250 per article limit, $500 combined max for specific items).
$100 after 12 hours.
$600 after 12 hours.
Repatriation of remains
Pre-existing conditions exclusion and waiver
60 day look back, 10 day waiver (certain conditions apply).
60 day look back, 21 day waiver (certain conditions apply).
% of trip cost
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.
Cancel For Any Reason (CFAR)
75% of nonrefundable trip cost (purchase within 21 days. Certain conditions apply. +$338.10 for this quote).
24-hour Accidental death and dismemberment
Accidental death and dismemberment (flight only)
Included with 24-hour AD&D add-on.
Rental car insurance
$25,000 (+$207 for this quote).
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
What isn’t covered
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.
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?
How to choose a Nationwide plan online
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.
Note that Nationwide also provides multi-trip plans and plans focused on cruises, as you can see in the screenshot above.
» Learn more: How much is travel insurance?
Who should get a Nationwide travel insurance policy?
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 2023, 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