Travel Insurance Reviews for Nationwide Choice Cruise

Had a foot injury while on shore on a cruise and had to see the ship doctor. The medical claim was submitted and I received reimbursement for the claim promptly.

Made a claim for change of port, which appears to no longer be the same benefit. Was paid easily and submitting documentation was reasonable. You do need all the details so keeping the records is important.

We purchased trip insurance that included trip cancellation. What a total waste of time and an obvious twisting of words by Nationwide to avoid paying a claim. This type of result is what gives insurance companies a bad name. I reviewed our policy in detail before filing our claim. Our cruise was cancelled by Holland America back in April due to Covid-19. This is the reply we received from Nationwide.

"Because the Coronavirus/COVID-19 is not one of the named perils listed in the plan, we are unable to consider this to be a covered claim. Regrettably, your claim does not qualify for reimbursement based on this reason"

Following the above statement, Nationwide lists what they do cover.... see below...

The policy you purchased provides the following benefits:

"Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine"

Do you see the problem here? They are picking and choosing (spinning) what they will cover. The Govt prevented cruising due to the spread of disease, but because their verbiage doesn't specifically say Covid-19, it doesn't qualify.

What a crock of BS! I will be filing a complaint with the department of insurance. I will NEVER purchase travel insurance from Nationwide again. In my opinion, they stole money from me in selling me a policy that was worthless!

My friend and I purchased the insurance. My friend died and the amount of paperwork to file a claim was ridiculous. I was able to get refunds for my friends family for the flight from the airlines, not from Nationwide, didn't even want to try and tackle that paperwork. I was able to find a friend to take my friends place on the Cruise. The insurance was useless. Plus Nationwide would not even consider refunding my dead friend's insurance. She didn't need it when she was dead. All I got was, "it's nonrefundable" Thanks for the sensitivity.
The insurance was a useless waste. Like all insurance, the company is only interested in finding a way to not have to pay, so why purchase it?

Due to a family emergency we had to cancel our trip. We thought that we were well enough insured but sadly this was not the case. Cancellation due to an injury or illness of a non traveling person was covered by the insurance, but only if that person is living in the USA, Mexico or Canada. It would have been nice if this was mentioned in the "small" letters before you purchase the insurance plan, or anywhere on the website. Only after purchasing the plan it was mentioned in the paper work that nobody ever reads! Costumer care was not helpful at all and only said: "you should have read the 20 plus pages after you purchased the plan". I think this kind of information should be more clear before you buy a plan.

My flight returning home was delayed. The only compensation would have be if I had stayed at a hotel or had receipts for food.
Because I stayed with family I was not reimbursed despite losing work time.
The staff offered to read the plan to me but I do think my lost time should have counted and the inconvenience to my family keeping me at their home

Always travel with travel insurance which I have never had to used until this cruise. On this cruise I fell off the ship and had to have 4 stitches. My disappointment with this policy is that it did not cover eye glasses. My eye glasses were severely damaged during the fall and had to be replaced. Good thing I always travel with an extra pair of glasses.
It only took several weeks after submitting the paperwork to get reimbursement. Was able to submit electronically.

Good coverage from a name you can trust!

We have been buying Nationwide coverage for our cruises for several years. Finally had to make a claim for the first time and we were satisfied with the handling of our claim.

This was only our second time buying trip insurance and Nationwide was very patient explaining to me the rules and procedures.

We had two small claims. 1) We had a boating accident on our trip, the day before we boarded our cruise, and my partner injured his back. When we got home, we submitted a claim for a doctor visit with X-rays and a prescription. 2) While onboard our cruise, I had to see the ship's doctor to be tested for the flu and also get a prescription, and I submitted a claim for that also.

Both claims were small, but they were handled very well by Nationwide. The only potential glitch was that I knew ahead of time that I would need to submit the doctor's report in order for my claim to be paid, but our cruise line for some odd reason, gave me a very hard time with that. The doctor would not give me a report - he said I'd have to call and ask the corporate office for it when we got home. However, when I called, they did not want to send it to me either! I eventually did get it, but meanwhile I explained the situation to Nationwide, and provided them with other documents proving the claim, and they were very cooperative. Within a little over a week of submitting all of the required documents, I had a reimbursement check for the full amount of both claims.

Fortunately, we did not have any big claim, but if we ever do and they handle them as well as they did these, I will continue to be very happy with them!