Nationwide Travel Insurance

What You Need To Know About Nationwide

Nationwide is one of the longest-standing trusted names in the insurance industry and has been protecting travelers since its founding in 1926. Nationwide offers five different travel insurance plans built to fit the needs of various types of travelers. Three of Nationwide’s plans are designed specifically for cruise travelers, while the other two serve as general, comprehensive travel insurance.

Nationwide repeatedly comes up on travel websites as one of the most affordable providers on the market for comprehensive coverage and offering elite benefits like Cancel For Any Reason and Adventure Sports protection.

All of Nationwide’s travel insurance policies include at least $75,000 in Emergency Medical coverage, which is a solid threshold for domestic travel and meets Squaremouth’s minimum recommended limit for trips abroad.

Is Nationwide Travel Insurance reputable?

Nationwide boasts an A+ rating from AM Best for financial strength, meaning it’s a solid company for customers to put their financial trust in. It also has a negative review rate of 0.2% from Squaremouth customers, which shows just how satisfied travelers are with Nationwide’s service. With almost 100 years of successfully serving customers, Nationwide is certainly a reputable provider to do business with.

Our Take: Nationwide boasts an A+ rating from AM Best for financial strength, meaning it’s a solid company for customers to put their financial trust in. It also has a negative review rate of 0.2% from Squaremouth customers, which shows just how satisfied travelers are with Nationwide’s service. With almost 100 years of successfully serving customers, Nationwide is certainly a reputable provider to do business with.

Nationwide Customer Satisfaction Ratings

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Nationwide At-a-Glance

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Find The Plan That’s Right For You

Nationwide offers plans for every traveler—explore its plans to choose the best plan for your trip.

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Nationwide vs. The Competition:
How It Stacks Up

What’s the best provider? That depends on your trip. Choosing the right one can save you thousands. Here’s how Nationwide stacks up.

Plan Features
Overall Coverage	High limits and flexible add-ons for medical and CFAR	Broad coverage, with options for customization
Cost	Competitive with options to add coverage	Moderate pricing with flexible plan options
Customer Rating	4.0 Good 672 Reviews	4.5 Very Good 208 Reviews
AM Best Rating	A (Excellent)	A (Excellent)
Unique Benefits	CFAR, adventure sports, identity theft coverage	Sporting equipment coverage
Insurance Partners	Backed by Nationwide Mutual Insurance Company.	Backed by BCS Insurance Company and Jefferson Insurance Company.

How Much Will A Nationwide Plan Cost For Your Trip?

Take a look at how the average cost of Nationwide’s policies compares to similar plans from other top providers

The Bottom Line:
Is Nationwide Worth It?

Nationwide Travel Insurance offers excellent cruise coverage and may be worth it for cruise-specific customers. It also offers budget-friendly, comprehensive travel plans with solid coverage limits, making it a great option for price-conscious customers who don’t want to sacrifice on coverage.

However, if you prioritize primary medical coverage, Nationwide might not be the right option for you, as it only offers secondary medical plans. Additionally, if you aren’t interested in cancellation protection and are searching for medical-only travel coverage, Nationwide’s plans might be on the expensive side.

Overall, Nationwide’s travel coverage is worth it when you are buying cruise protection or comprehensive coverage. It’s also a good option when you are looking for add-ons, upgrades, and customizable coverage, as it offers a few unique add-ons and coverages not frequently offered by other providers.

Frequently Asked Questions

How much are Nationwide travel insurance plans?

The average cost of Nationwide’s medical-only plans sold on Squaremouth is $45.09, whereas Nationwide’s comprehensive plans have an average cost of $270.78.

How far in advance do I need to buy Nationwide coverage for my trip?

Nationwide lets you buy travel coverage up to one day before your trip starts. That said, there are some benefits that you won’t be eligible for if you wait to buy coverage last minute. Certain coverage, like Cancel For Any Reason and Pre-existing condition coverage, requires you to buy with advanced notice to qualify, usually 14-21 days in advance, or within a few days of making your initial trip deposit. Buying travel coverage as soon as you book your trip is the best way to ensure you receive comprehensive coverage.

Do Nationwide plans cover pre-existing conditions?

Yes, some Nationwide plans can cover pre-existing conditions if you meet its pre-existing condition waiver criteria.

The Nationwide Essential plan requires you to buy the policy within 10 days of your initial trip deposit, whereas the Prime plan requires you to buy the policy within 21 days of your trip deposit. For both of these plans, you must also ensure the full cost of your trip to qualify.

Can I cancel my trip if there’s a death in the family?

If you buy a comprehensive policy from Nationwide, you can be covered if certain family members suddenly pass away. Medical-only plans don’t typically offer coverage for this. It’s important to note that what constitutes a family member varies by policy and by your state of residence, so we recommend reading the fine print before purchasing to ensure you are covered.

Does Nationwide travel insurance offer Cancel For Any Reason?

Nationwide offers CFAR coverage on its top-tier plans: Nationwide Prime & Nationwide Cruise Luxury. That said, this coverage is offered as an optional add-on and costs extra.

How does Nationwide trip insurance work?

Since Nationwide offers secondary medical coverage, you will first need to pay medical bills out of pocket or pass them off to your primary medical insurance company before making a claim with Nationwide. For certain other coverages, such as travel delays or cancellations, you can contact Nationwide directly for assistance in the moment or to get help making a claim.

How Do I File a Claim with Nationwide Travel Insurance?

To file a claim with Nationwide Travel Insurance, first select your policy below, and use the related contact information to connect with Nationwide’s claims department. You’ll be asked to fill out and submit a claims form, and Nationwide’s team will review it and get back to you within 15 days. Keep in mind that travel insurance claims typically take a while to process and include lots of back and forth between the claims department and you. Patience and persistence are key to ensuring you receive your reimbursement.