Nationwide Travel Insurance Reviews

Review Updated: 08/06/2025

One feature that is mandatory for me in travel insurance is for trip interruption. We had to leave a trip early due to an injury that my wife sustained. Our trip involved 3 cities and we had just arrived in our second city. Our transportation to the third city would have been by plane on a non-refundable ticket. I had accounted for the cost of this flight in our total trip insurance amount.
Nationwide turned down reimbursement for the cost of the flight that we were never able to take because our trip ended prematurely. I appealed that decision and was again turned down. When I spoke to Nationwide's claims company, they directed me to the line in the policy details that they cover "pre-paid unused, non-refundable land or sea expenses to the Travel Suppliers."
Shockingly, they only cover land or sea expenses. They will cover air to return home but any intermediate flight between cities that you are unable to take, forget getting reimbursed by Nationwide. It is hard to believe that they exclude air travel. I have now read the policies of at least half a dozen other insurance companies. Not a single one has this limitation. In other words, every other insurer out there seems to cover intermediate air travel between cities on your destination. I have even read each Nationwide policy offered, meaning up to their Prime level, and this is a standard exclusion that Nationwide applies.
Why would anyone buying trip insurance with trip interruption coverage possibly think that air travel between cities would be explicitly excluded? I would never have thought to read the minute details of a policy prior to purchasing to look for such an exclusion. I can tell you that Nationwide is now off my list of potential policies for all my future trips. Buyer beware. Learn from my unreimbursed lesson.

Review Updated: 07/29/2025

The claims process was fabulous. All of my info that I had provided was taken into consideration and the claim was paid properly. The claims examiner FH was wonderful to work with, so helpful and understanding.

First of all, a major fire at an airport which cancels our flight seems to be an insurable event. But no… the main reason for this negative review is that after the initial round of inquiry, when I submitted my claim, I was asked to submit quite a few more documents regarding our loss. Why would I have to go through this secondary process, which took quite a bit of time, when the original claim would’ve been denied at the initial review because the airport fire was not a coverable event? Why would you waste someone’s time going through a second step of the process when in the initial stage it was clear that the claim itself had no grounds according to your policy? Ridiculous.

My claim was processed resonably quickly in 18 days, with only one request for additional information. I was disappointed that I received $24.80 less than my expenses with no explaination for the difference. My documented expenses for luggage storage, hotel, meals, transportation, and airport parking totaled $388.46. Without any breakdown of which expenses weren't covered or why, I'm left confused about the reimbursement decision. The lack of transparency in how claims are calculated is disappointing. For future trips, I'll be looking for a travel insurance provider with clearer reimbursement procedures.