Travel Insurance Reviews for Nationwide

I purchased a fairly basic plan for coverage on a trip to Morocco. I wound up having to cancel my entire trip, a week or two beforehand, as my daughter had some medical issues. Nationwide covered ALL my expenses -- tour company, airfare and hotels! The process was very straightforward -- I just provided the documentation they requested and, about a month later, received a check for the full amount, in the mail. Didn't even have to talk to anyone! I definitely expected more rigamarole and negotiation.

Overall, I'd highly recommend Nationwide for travel insurance!

I broke my arm in Morocco and needed surgery. The claim process was a bit complicated but I did receive compensation for the medical part. Unfortunately, I needed transportation to rejoin my group and that was not covered. Overall I was happy with the results. Another complication was that I had another travel insurance policy for my trip to Costa Rica and the 2 plans got mixed up. It was resolved after about 30 minutes on the phone.

Submitted a claim for Morocco and cancelling the trip due to the earthquake. The policy seemed pretty straight forward; however, when I filed the claim, they asked for more detailed documentation. Some things, like the airfare with cost, dates and name I did provide, I do not know what more documentation they wished. Luckily, the travel group I went with refunded the trip. I was not aware I bought a refunded airline ticket so that ended up not being a problem. I was only out train fare, so I did not pursue further through the insurance company. The policy appeared more complicated and not as easy as I had hoped. But again, I did not finish the process but feel they just ask for more information knowing, statistically, people will not follow up/through.

The only reason Nationwide paid up is because an advocate from insuremytrip.com contacted them after they denied my claim. Nationwide asked me for more and more details and I kept sending them what they asked for but they kept asking for the same things over and over again. When you call Nationwide, you cannot speak with anyone who who is familiar with your claim. You can only talk to someone who tells you that the adjuster needs more time and more info but they cannot provide you with any specifics. My case was as simple as possible (trip payment and airfare) yet Nationwide managed to make it an extremely complicated with multiple proofs of payment, proofs of no refunds made, proofs of trip itinerary with exact dates, etc. The person I talked to at cbconnect said that is because there is so much fraud in the travel insurance business. I believe it is because they try to wear you down so you just give up.