Nationwide Travel Insurance Reviews

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Nationwide travel insurance is a comprehensive insurance policy that covers all aspects of your travel, from medical emergencies to lost luggage. It is designed to give you peace of mind when you travel, whether you are going on a business trip or a family vacation.

There are two main types of Nationwide travel insurance: comprehensive and basic.

Comprehensive travel insurance covers all of the above, plus it provides additional protection for things like trip cancellation, rental car damage, and travel delay. Basic travel insurance only covers medical emergencies and lost luggage.

Nationwide offers a variety of travel insurance plans to suit your needs and budget. You can choose from single-trip or multi-trip plans, as well as add-ons for additional protection.

Some of the key features of Nationwide travel insurance plans include:

  • Coverage for medical emergencies, including evacuation and repatriation
  • Lost baggage coverage
  • Trip cancellation and interruption protection
  • Travel delay coverage
  • Rental car damage protection

Nationwide travel insurance is available to residents of the United States and its territories.

Best Travel Insurance Plans from Nationwide

The best travel insurance plans from Nationwide can help you feel secure when you’re away from home. No matter where your travels take you, they have the plan to fit your needs and budget.

If you’re looking for comprehensive coverage, the Worldwide Trip Protector® plan offers protection for trip cancellation, interruption and delays, lost or stolen baggage, medical expenses, and more.

For a more basic level of coverage, Travelers Advantage® plan provides coverage for trip cancellation and interruption, lost or stolen baggage, and emergency medical expenses.

Both of our plans offer optional coverages that you can add to customize your protection, such as cancel for any reason and travel accident insurance. We also offer a variety of deductibles to choose from, so you can find the right balance of protection and price.

To get a quote for the best travel insurance plan from Nationwide for your next trip, visit our website or give us a call today.

Recommended Plans

✅ Atlas America

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.

✅ Safe Travels Comprehensive

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).

✅ Patriot America Platinum

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.

Universal Cruise

The Nationwide Universal Cruise plan is designed for travelers going on a cruise during their trip. Coverages include Trip Cancellation, Trip Interruption, Medical, Emergency Medical Evacuation, and in most states, an Itinerary Change Inconvenience benefit.

If you’re booking a cruise, one way to add peace of mind about your vacation is with a good travel insurance policy.

A comprehensive plan can provide financial protection for unexpected trip cancellation, medical expenses, travel delays, and more.

Most cruise insurance plans may cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage when you’re on a cruise. Cruise insurance can also cover cruise-ship disablement and pre-existing conditions, depending on when you buy coverage.

Cruise insurance can cost from 5% to 10% of your total trip cost, though that amount can be influenced by: Your age. How much you’re spending on your trip. The length of your cruise.

While travel insurance costs vary, the average is somewhere between 4-12% of your total trip cost*.

If you’re on the fence, then consider this: an emergency situation can cost tens of thousands of dollars, but the insurance plan might be a fraction of your trip cost.

Nationwide’s Universal Cruise plan offers travelers going on a cruise comprehensive coverage for Trip Cancellation, Trip Interruption, Medical, Emergency Medical Evacuation, and in most states, an Itinerary Change Inconvenience benefit.

With this plan, you can have peace of mind knowing that you and your family are covered in the event of an unexpected emergency while on your cruise.

Choice Cruise

The Choice plan from Nationwide is a great option for cruisers who want higher levels of coverage, or are taking longer cruises.

The plan provides affordable coverage at a good value. Some of the unique features of the Choice plan include coverage for port of call itinerary changes made by the cruise line before departure, ship-based mechanical breakdowns, and covered shipboard service disruptions.

In general, you should expect a plan like the Choice plan from Nationwide to cost anywhere from 4%-10% of your total pre-paid, nonrefundable trip cost.

For example, if you have a total trip cost of $5,000, the Choice plan will likely cost you between $250-$500, depending on variables such as your age and the length of your cruise.

Vacation Renter Protector

Nationwide’s Vacation Renter Protector travel insurance plan offers protection for travelers in the event of a covered emergency, such as trip cancellation, interruption, delays, medical emergencies, and lost or stolen luggage. The plan also covers medical evacuation and provides 24/7 assistance from a team of travel professionals.


Nationwide’s Essential travel insurance plan is a comprehensive policy that offers protection against a wide range of risks and financial losses that could occur while traveling. The plan includes coverage for trip cancellation and interruption, medical expenses, baggage loss, and more.

It also provides protection against pre-existing medical conditions and waives the company’s right to exclude them from the policy.

Why do people prefer Nationwide Travel Insurance?

There are many reasons to opt for Nationwide Travel Insurance. One of the main reasons is the protection it offers against unexpected medical costs or accidents that may occur while traveling.

In the event of an accident, dental treatment or medical treatment, the expenses up to the limit specified in the insurance policy are reimbursed by the insurance company.

Another reason to choose Nationwide Travel Insurance is the Cancel for Any Reason benefit.

This allows policyholders to cancel their trip for any reason and receive a refund of up to 75% of their pre-paid costs.

Nationwide Travel Insurance Problems

One of the issues with Nationwide’s travel insurance plans is that they can be quite expensive.

Additionally, there may be some exclusions for pre-existing conditions which could leave you without coverage if you need it. Another issue is that claims may sometimes be rejected, so it’s important to have all your documentation in order.

Finally, there may be some loopholes in the coverage which could leave you without protection in certain situations.

Alternatives to Nationwide Travel Insurance

There are many alternatives to Nationwide’s travel insurance plans.

Some of the most popular include Allianz Global Assistance, Travel Guard by AIG, USI Affinity Travel Insurance Services, and Travel Insured International.

These companies all offer a variety of different plans that can be customized to fit your specific needs. Whether you’re looking for comprehensive coverage or just a basic plan, you’re sure to find an option that’s right for you.