2024: Best Details of Travel Insurance Coverage Nationwide
Plans for Travel Insurance Offered by Nationwide
Some people may be familiar with Nationwide because of its car and house insurance policies; however, the company also provides travel insurance for cruises and other holidays, as well as yearly plans that may cover many trips throughout the course of a single year.
According to the ratings that Forbes Advisor has provided for the top travel insurance plans, the Cruise Luxury plan offered by Nationwide is the plan that has received the highest rating.
The greatest levels of travel insurance protection are provided by this coverage for passengers who are traveling by cruise ship. An emergency medical evacuation coverage of one million dollars is included in the Cruise Luxury plan. Additionally, it offers reimbursement of $150,000 for medical expenditures incurred due to illness and $150,000 for accident coverage.
The coverage for medical expenses is secondary.
The Cruise Choice plan offered by Nationwide offers coverage for medical expenses of up to $100,000 and medical evacuation coverage of up to $500,000 respectively. In addition, Cruise Choice provides coverage for evacuations that are not medically necessary and provides an upgrade for trip interruptions.
The coverage protects you financially in the event that you are unable to participate in activities due to the fact that your cruise ship alters its schedule, as well as for the inconvenience of being delayed to the next port of call.
The Prime Plan offered by Nationwide received a score of 3.7 stars in our comparative analysis of the top travel insurance providers. Superior medical evacuation coverage limits of one million dollars are included in the Prime plan, as well as travel medical expenditure coverage of one hundred fifty thousand dollars.
Additionally, it offers a substantial trip interruption coverage that covers 200% of the total cost of the trip, very excellent luggage loss coverage that covers $2,000 per person, and strong travel delay coverage that covers $1,500 per person after a delay of six hours. One of the possible upgrades is a “cancel for any reason” option.
Nationwide’s Essential:
This plan provides coverage for medical evacuation and emergency medical expenses in the amount of $250,000 and $75,000 of coverage respectively. The trip cancellation and interruption coverage that it provides permits for cancellations to be made owing to illness caused by the Covid-19 virus. In addition, the emergency medical care plan includes reimbursement for medical expenses related to Covid-19.
This plan is recommended for tourists who are looking for medical evacuation evacuation coverage of $250,000. It is offered by Nationwide to its Universal Cruise customers. An emergency accident coverage of $75,000 and an illness coverage of $75,000 are both included in the policy as well. It is important to note that this medical coverage is secondary, which means that any other health insurance coverage that you have would be given priority.
Nationwide’s Travel Pro plan is a yearly plan that is designed for people who travel often and want a single plan that covers several journeys on multiple occasions. The Travel Pro plan provides coverage for lost baggage, medical expenditures in the event of an emergency, and trip duration delays. Additionally, it offers a medical evacuation reimbursement of $50,000 per person, each trip, and a medical expenditure reimbursement of $10,000 per person, per trip.
One of the yearly plans offered by Nationwide is called Travel Plus, and it may cover many trips. Both emergency medical evacuation and emergency medical expenditures are calculated at a rate of $50,000 per person, per trip, and $10,000 per person, per trip, respectively. In addition, there is covering for luggage.
With higher benefit levels for travel delay, lost and delayed baggage, medical emergency coverage, and medical evacuation, the Pro Deluxe plan offered by Nationwide is the finest yearly travel insurance plan offered by Nationwide.
Add-ons that are optional
Both the Essential plan and the Prime plan offered by Nationwide include rental vehicle coverage as an optional feature; however, this coverage is not accessible in all states.
Cost of Travel Insurance Plans Covering the Entire Nation
There is a broad variety of price options available at Nationwide due to the fact that the travel advantages that are included in the various travel plans are varied. Generally speaking, the fee is determined by your age as well as the cost of the trip. Consider the following examples of rates for the Cruise Luxury plan offered by Nationwide.
Do you provide travel assistance around the clock at Nationwide?
There is travel help available around the clock for Nationwide’s travel insurance products. In the event of an emergency, the aid team is able to provide assistance with transportation services, referrals to medical and dental professionals, language interpretation, an emergency cash advance for medical bills, connections to legal professionals, financing for bail, and a great deal more.
In what ways does Nationwide Travel Insurance fail to provide coverage?
Exclusions are a part of any travel insurance plan; thus, it is important to read the small print to find out what your plan does not cover. Here are some examples of things that are not included in the Cruise Luxury plan offered by Nationwide:
Coverage for missed connections accounts for ten percent of the total score. Travel insurance plans were given additional points if they have missed connection benefits that are at least one thousand dollars per person.
Medical costs accounted for ten percent of the total score, and the travel insurance plans that offered medical expenditure coverage of at least two hundred fifty thousand dollars per person received the highest marks.
The highest scores were awarded to travel insurance plans that had medical evacuation expenditure coverage of $500,000 or more per person. This accounted for 10% of the total score.
In the event that “cancel for any reason” upgrades are made available, travel insurance plans will earn ten percent of the points available. There was an increase in the number of points earned for upgrades that were “cancel for any reason” and had reimbursement levels of 75%.
luggage delay required waiting time (five percent): Policies that included benefits for luggage delay that began to kick in at twelve hours or fewer were awarded points.
Travel insurance policies that permit cancellations due to work-related reasons were granted points. This percentage accounts for five percent of the total.
Insurance policies were awarded points if the mandatory waiting time for storm and weather coverage was shorter than twelve hours. This was the case for five percent of all policies.
“Interruption for any reason” upgrade included five percent of the total points granted to policies that provided an upgrade that allowed for “interruption for any reason.”
There was a five percent waiver for pre-existing medical issues, which meant that policies that covered pre-existing medical illnesses were awarded points (provided that they were acquired within a certain amount of time after the initial trip deposit).
Policies that provide rewards for travel delays that begin to kick in after six hours or fewer were awarded points. The percentage of travel delay needed waiting time was five percent.
Insurance for trip interruptions (five percent): Points were awarded if the compensation for trip interruptions was at least one hundred fifty percent.
