Setting out on a journey, travelers seek more than just experiences; they desire the peace of mind that comes with being safeguarded against life’s uncertainties.
The Nationwide Prime Travel Insurance Plan promises such protection. But does it stand tall amidst a sea of other travel insurance options?
Let’s explore.
In this article...
Overview and Key Data
Designed with the traveler at its core, the Nationwide Prime Travel Insurance Plan strikes a balance between comprehensive coverage and affordability. Here’s an outline of its notable features:
- Plan Type: Prime Comprehensive
- Refund Policy: 10 Day Money Back Guarantee
- AM Best Rating: A+
Recommended Plans
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Plan Summary
From unforeseen cancellations to unexpected medical emergencies, the Nationwide Prime Plan offers a robust safety net for travelers:
Benefits & Coverages
- Trip Cancellation: Reimburses the trip cost if you need to cancel for a covered reason.
- Trip Interruption: Up to 150% of the trip cost.
- Baggage Loss/Damage: $1,000
- Baggage Delay: 12+ hours, up to a $300 max.
- Emergency Medical Expense: $100,000
- Emergency Medical Evacuation/Repatriation: $500,000
- Travel Delay: Up to $150 per day.
- 24-Hour Hotline Assistance: Immediate access to experts for help during your trip.
Coupled with these primary coverages, the plan extends additional benefits to ensure you’re well-protected throughout your journey.
Who is this plan popular amongst?
Nationwide’s Prime Plan is a preferred choice among frequent travelers, business professionals, families, and individuals. Its expansive coverage coupled with affordability makes it suitable for a broad spectrum of travelers.
What are the biggest drawbacks of this plan?
While the Prime Plan is undeniably comprehensive, travelers seeking specialized or high-limit coverage, such as luxury cruisers or extreme sports enthusiasts, might need to explore additional add-ons or alternative plans.
Conclusion
The Nationwide Prime Travel Insurance Plan encapsulates the essence of a well-rounded travel insurance policy. For those on the move, whether for leisure or work, this plan serves as a reliable shield against the unpredictable nature of travel.
If you’re looking for a blend of wide-ranging protection and value, consider this offering from Nationwide, available on platforms like visitcover.com.
Embark on your adventures with confidence.
Also read: Nationwide Luxury Cruise Travel Insurance Review
FAQs for Nationwide Prime Travel Insurance Plan
1. What scenarios are covered under “Trip Cancellation”?
The policy covers a range of scenarios such as serious illness or injury, death of a family member, adverse weather causing travel stoppage, and more. However, it’s crucial to refer to the policy terms for a comprehensive list.
2. How does the “Trip Interruption” benefit work?
If a covered event disrupts your journey, this benefit reimburses up to 150% of the trip cost, helping to cover the additional expenses or lost prepaid costs.
3. What is the limit for “Emergency Medical Expense” coverage?
The Prime Plan offers medical expense coverage up to $100,000 for unforeseen illnesses or injuries during your trip.
4. How does the “Baggage Delay” coverage help me?
If your baggage is delayed by 12 hours or more, you can get reimbursed up to $300 for necessary personal items and clothing.
5. Can I upgrade or customize my coverage?
While the Prime Plan offers broad coverage, travelers can explore available add-ons or contact Nationwide directly to tailor the policy further to their specific needs.
6. What is the significance of the “24-Hour Hotline Assistance”?
This service provides immediate access to experts for guidance, assistance, or emergency help, ensuring you’re never alone in challenging situations.
7. Are pre-existing conditions covered under this plan?
Coverage for pre-existing conditions varies. It’s best to review the policy’s terms or contact Nationwide directly for specifics.
8. How soon should I purchase the plan before my trip?
It’s advisable to buy travel insurance shortly after making the initial trip deposit to maximize coverage benefits, especially if you want to avail benefits like the pre-existing condition waiver.
9. In case of travel delays, what benefits can I expect?
The plan offers up to $150 per day for necessary accommodations and meals if you’re delayed for a covered reason.
10. How can I reach Nationwide in case of an emergency during my travels?
Policyholders have access to a 24/7 assistance hotline, ensuring help is always at hand. The contact details are provided in the policy documentation.
