Travel Insurance Reviews for Nationwide Choice Cruise

Warning to ALL who buy this plan - READ the details and fine print of the policy very carefully!! This comes from someone who filed a claim and was denied. I bought this plan for a cruise to the Caribbean. I started experiencing neck/shoulder pain the week of my trip. This was new onset by the way! No prior history of neck problems. I sought medical treatment and was diagnosed with a bulging disc in my neck. The doctor recommended that I not travel until I saw a specialist. I saw a specialist and was cleared for travel but had missed 3 out of the 7 nights of my cruise. All I wanted to be reimbursed for was those nights that I missed and the prepaid, non-refundable excursions! I was not trying to scam the system. I had a legitimate medical reason that prevented me from travel. Nationwide Insurance denied my claim stating, "Because your symptoms occurred during the 60-day period immediately prior to the Effective date of your policy, your condition is deemed a Pre-Existing Condition and therefore excluded from coverage." What is the point of purchasing trip insurance if you are not going to cover when a person has to seek medical care and can't go on their trip? They went on to state: "In addition, since the treatment occurred prior to the effective date, the reason for interrupting your trip is not considered Unforeseen and therefore not covered under the Trip Interruption benefit." "Unforeseen means not anticipated or expected." How much more "Unforeseen" can you get than a bulging disc in your neck that occurs within days before your cruise is scheduled? I mention again - NO PRIOR HISTORY of this medical issue. Even the cruise line wouldn't issue a refund because it was within days of the cruise. I would NEVER purchase trip insurance again because basically all it covers is if you have to seek medical attention while on your cruise. And even then, read your policy very carefully!

Completely satisfied.

They were very fast and very nice to work with. I highly recommend them. We would definitely use them again.

Excellent company, had to submit to surgery at last moment. Company covered cancellation as insured promptly and efficiently. Thank you for your excellent performance.

Quick payment of medical visit. I'm very satisfied.

This was the first time we filed a claim...it was for an Itinerary Change. After just a little bit of paperwork which was simple and straightforward, we had our checks!

The Nationwide Mutual Choice Cruise plan is a cruise specific plan and covers many things that others don't such as the itinerary change. I would purchase again in a heart beat! Very simple claims process!

Very helpful when filing my claim and quick turn around time.

InsureMyTrip was very good! I will definitely use you again. Thanks.

I had to cancel my trip the night before my departure because my father died. I filed the claim with Nationwide and they processed the claim very quickly. I would highly recommend this plan!