Travel Insurance Reviews for Nationwide Vacation Renter Protector

It’s nice to have peace of mind knowing that if something were to happen before or during my trip I’m covered.

Didn't need to use it, but it gave total peace of mind before/during our trip to Australia.

The coverage was OK but we were tripped up by the small print. READ IT. READ IT, READ IT, BEFORE, DURING AND AFTER TRAVEL. In middle of trip to Europe one of our party (all vaccinated and boosted) contracted mild Covid. CDC and local health recommendations stated "if you test positive on a lateral flow test but do not feel very ill, self isolate to protect yourself and others and do not travel or mix closely with people in public places until you have most likely cleared the infection, 5 days later, or subsequent tests prove negative. Unless you feel very ill, there is no need to see a doctor". We followed this official advice, canceled one flight and rebooked another for later as well as incurred hotel and other expenses. Assumed this would be covered by Trip Interruption protection. It was not. Despite what official sources say, the insurance policy required a doctor's visit (easy getting an appointment in a pandemic, huh?), a PCR test and an official letter from the doctor advising you not to travel. We did not do this and it cost us about six hundred dollars in change fees, hotel and incidentals. This simply underscores why you should always read the policy carefully to make sure in an emergency you are complying 100% with the policy's terms; common sense is not a substitute for rigid compliance. After a phone call to the claims department I concluded that filing a claim was simply a waste of time . Note: I don't think this is specific to Nationwide.

We didn’t need to take advantage of the insurance which was good. But it was a comfort to know we had it. Would definitely take advantage of it again.

Better to be safe than sorry!

The reason for the one m 4 not 5 star is that the cancel for any reason was voided if insurance not purchased within 14 days of booking trip which you don't really know til after the fact. I think that is an incredibly short window for a trip booked almost a year out. Especially when you did not book flights yet so I had to guestimate that expense. It was THE main reason I went with NW only to lose that coverage by just a day. If I use again I will just be sure to get insurance right away. Other than that it is a very comprehensive plan, especially with the any reason cancel and had some good extras related to bringing my pet and damage to rental. It covered all the bases well.

The insurance gave me peace of mind. Especially since I was in another country. Had more than adequate coverage. Definitely will be using them again.

Did not have to use this trip insurance, but was good for peace of mind

I realized a conundrum that this and probably all travel insurance poses. I fell a week before I was to depart but neither my doctor nor any around the rural area in which I live had openings. I was able to get into an acupuncturist, physical therapist and masseuse, but none of them could replace a doctor's diagnosis. Fortunately, they all helped me enough that I could go on my vacation, but if I wasn't able to, the insurance would not have worked for me as you have to have an MD diagnosis you on the spot.