Nationwide Travel Insurance Reviews

After being without my luggage for over 24 hours I called to get some assistance.
I filed a complaint/ claim - case number # 1814685.
I spoke with John who was very pleasant. However, when I called back the end of the next day for an update I learned his only involvement was to call the airport and ask them to call me directly when they learned the whereabouts of my luggage.
We landed Saturday afternoon and on Sunday evening we were told that my luggage had arrived to the hotel. The issue when I called for assistance was that the incorrect luggage was delivered.

I requested a claim, was sent the paperwork, completed the paperwork, and have heard nothing from nationwide, yet. I was unable to go on my trip because of injury.

File a claim two weeks ago, still have not heard from them.

The travel policy I purchased supposedly had up to $270,000 of evacuation insurance. I was injured in Reykjavik, Iceland, breaking my left femur and shattering my right elbow. The leg was surgically repaired in Iceland and I needed to travel back to the states for elbow surgery.

My surgeon cleared me to fly home in an air ambulance lying down. I found Angel MedFlight to provide this service. Nationwide was contacted, asking them to provide a retainer for $68,900 and they DENIED the request, offering instead a commercial flight in business class with the assistance of two nurses, even though the policy recognized that an air ambulance was an acceptable mode of transportation for evacuation. They also mentioned that I could choose the air ambulance, but I would have to file a claim after the fact to possibly get reimbursed!

This behavior is totally unacceptable! How many people have access to this amount of money under an emergency situation? The reason people buy this type of insurance is to be taken care of hassle free. Nationwide fell flat on their face in this regard.