Travel Insurance Reviews for Nationwide Essential

Had to cancel my trip a month before, got nothing back from the insurance

Trip was cancelled, policy did not cover nonrefundable deposit.

I paid extra $1,300 for my flight from London to Manila with Air China because my original flight with Shenzhen Airlines ($999) was postponed for the next day. It was a Sunday, their office was closed, have tried calling them, I even went to the airport but Shenzhen Air didn't have any representative there. I wanted to explain to them that I won't make it to my connecting flight in Bao'an China if I take their postponed flight.
Nationwide paid only $600 for the new flight that I paid after Shenzhen messed up everything for mine and my husband's flight.

The tragic events of October 7, 2023 and ongoing conflict contributed to the decision by my travel operator to cancel the trip to Israel. Nationwide said that because the tour operator didn’t cancel within the first 30 days of the “terrorist event” that no coverage existed. No tour operator has given tours in Israel since October 7 so that was just a way for Nationwide to avoid any liability. Later when I appealed, they shifted to saying it was a declared “war” despite the fact that Gaza isn’t a “country”. I've used Nationwide over 10 years and only had one other claim and that took months to settle. Buyer beware when traveling to any part of the world that has ongoing civil or military events. Most trip insurance will either not cover the “terrorist” or “war” claim or find a way not to pay the claim using word salad or creative interpretations to avoid payment. Fortunately after all of this, the tour operator refunded our trip deposit and British Airways provided a reasonable time frame to use the value of the air tickets to take another trip.