nationwide flexplus travel insurance extended journey cover

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

Nationwide Travel Insurance Review: Is it Worth The Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What does Nationwide travel insurance cover?

What does nationwide travel insurance cost, what isn’t covered by nationwide travel insurance, can you buy a nationwide plan online, is nationwide travel insurance worth it.

Are you considering purchasing travel insurance for your next vacation? It could be a good idea, especially in an era of overbooked flights, travel delays and lost luggage. Insurance company Nationwide can sell you travel insurance, which will cover you in the event that things stray from the plan. 

Let’s take a look at Nationwide travel insurance, the policies available and the benefits that they provide. 

Nationwide offers two different travel insurance plans for its customers: an Essential option and a Prime version. As the name implies, Prime provides more coverage and is more expensive. 

With the essential plan, you'll have benefits like trip cancellation or interruption, coverage for medical emergencies and a fixed fee for delayed/lost luggage. The prime plan includes missed connection reimbursement, and generally, a higher reimbursement amount per benefit.

» Learn more: Common myths about travel insurance and what it covers

To do a proper Nationwide travel insurance review, we input a search for a 28-year-old from Michigan traveling to France for three weeks on a $7,000 trip. 

A quick Nationwide travel insurance review shows that you’ll see quite a few more benefits associated with the Prime plan, though neither option is especially cheap. Coverage areas that are missing from the Essential plan include missed connection reimbursement, itinerary change reimbursement and 24-hour AD&D insurance, though this last one can be added on. 

The Essential plan also sees significant drops in the monetary reimbursement you can expect when things go awry. Despite being only 38% cheaper than the Prime plan, coverage is significantly stripped down. You can especially see this with baggage delay ($100 versus $600), lost baggage ($600 versus $2,000) and trip delay ($600 versus $2,000). Trip cancellation is basically the only coverage area that remains the same — 100% no matter which plan you choose.

» Learn more: How to find the best travel insurance

Additional options and add-ons

No review of Nationwide travel insurance would be complete without mentioning add-ons. Your available options will differ based on the plan you choose.

As you can see, the available options and their costs can range quite a bit. If you’re looking for maximum coverage, it’s easy to more than double the cost of your original quote. 

The most expensive add-on is only available to Prime policyholders. Cancel For Any Reason insurance allows the ultimate in flexibility as it’ll refund you up to 75% in trip costs in the event you want to cancel your trip. 

Those opting for an Essential plan can also choose to purchase 24-hour AD&D coverage, which comes included with the Prime policy. Doing so includes flight-only coverage for Essential plans, though strangely that’s considered an add-on for Prime. 

Finally, rental car insurance is available regardless of which plan you pick, though you can receive more coverage with the higher-tier Prime policy. 

Many different travel credit cards provide complimentary trip insurance when you use your card to pay. Check these before purchasing travel insurance. 

» Learn more: The best travel credit cards right now

As nice as it would be to purchase fully comprehensive travel insurance, the truth is that nearly all policies have exclusions of some kind. This may mean that your policy won’t cover instances of COVID-19 or the decision to jump out of a plane. 

Here are some general exclusions you can expect:

Accidental injury or sickness when traveling against the advice of a physician.

Participation in canyoning or canyoneering, extreme sports or bodily contact sports.

War or any act of war whether declared or not.

Exclusions vary based on the policy and where you live, so you’ll want to read your guide to benefits carefully to see what coverages apply to your policy. 

» Learn more: Is there travel insurance that covers COVID quarantine?

If this Nationwide essential travel insurance review has spurred you to make a decision, it’s simple to find a quote for yourself. You’ll need to navigate to Nationwide’s travel insurance page , where you’ll find a form asking for your personal information. 

In addition to single-trip coverage, Nationwide also provides multi-trip plans and plans focused on cruises.

» Learn more: How much is travel insurance?

Nationwide has been in operation since 1925 and is a well-established insurance provider. They offer a range of insurance policies including car, motorcycle, homeowners, pet, farm, life and travel insurance. Nationwide's travel insurance policies can be purchased for cruises , single trips or multi-trips.

Nationwide travel insurance plans have various benefits including trip cancellation, interruption or delay, financial default, missed connection, itinerary change, Cancel For Any Reason (CFAR), medical emergencies, 24-hour accidental death and dismemberment (AD&D), pre-existing conditions exclusion and waiver, and baggage delay. Each policy is different, so you'll want to ensure you read the fine print to know your coverage.

Nationwide's essential plan does not cover Cancel For Any Reason. However, for an additional cost, you can add CFAR to Nationwide's Prime plan. With that coverage, you will be eligible for reimbursement of up to 75% of nonrefundable trip costs. Note that this must be added on within 21 days of your first trip payment.

If you need to submit a claim, you'll first call the CBP Claims Department at 888-490-7606. A representative will provide a claim form and a list of documents to submit. Claims can then be submitted via U.S. mail, fax or through email. Assuming your claim is reimbursable, you'll receive payment via direct deposit or a check.

Nationwide has been in operation since 1925 and is a well-established insurance provider. They offer a range of insurance policies including car, motorcycle, homeowners, pet, farm, life and travel insurance. Nationwide's travel insurance policies can be purchased for

, single trips or multi-trips.

Are you looking for strong coverage over a wide range of incidents? Nationwide could be a good travel insurance option for you, but only if you’re willing to shell out for its more expensive policy. 

That being said, if you hold a travel credit card, odds are that you already have some form of complimentary travel insurance. You’ll want to check this first to see if those benefits are enough for your trip — if not, a Nationwide insurance policy could offer the coverage that you need. 

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

Nationwide Travel Insurance Review — Is It Worth It?

Content Contributor

62 Published Articles

Countries Visited: 197 U.S. States Visited: 50

Jessica Merritt

Editor & Content Contributor

82 Published Articles 460 Edited Articles

Countries Visited: 4 U.S. States Visited: 23

Stella Shon

News Managing Editor

84 Published Articles 601 Edited Articles

Countries Visited: 25 U.S. States Visited: 22

Why Purchase Travel Insurance

Travel insurance and the covid-19 virus, single-trip plans, cruise plans, annual/multi-trip insurance policies, how to obtain a quote, nationwide vs. credit card travel insurance, nationwide vs. other travel insurance companies, how to file a claim with nationwide travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

If you’re looking at travel insurance policies, you may feel overwhelmed by the seemingly endless number of options. Some of the names of insurance providers will sound familiar; others you’ve likely never heard of. If you’re wondering about the first step for narrowing down your options, choosing a well-known name like Nationwide could be a good start.

Nationwide began in Ohio as Farm Bureau Mutual Automobile Insurance Company, selling its first policy (automobile insurance) in 1926. Thus, the company has nearly a century of insurance experience. It’s a household name at this point, meaning you can trust that it knows how to process claims should you need to submit one and isn’t likely to give you the headaches of a company that just started and needs to work out a few kinks. Nationwide and its subsidiaries have “Superior” financial ratings from A.M. Best. ¹

Now that we’ve established Nationwide as a quality travel insurance provider, let’s see if what it provides works for your trip and your budget.

Travel insurance , as with other types of insurance, protects your investment (read: money) from loss because of unforeseen circumstances. The more money that’s at risk, the more it makes sense to protect it with an insurance policy.

Travel insurance can protect more than your money, though. It can provide medical coverage in case of an accident or illness while you’re away from home.

The following are some of the reasons you may want to buy travel insurance:

• Your existing healthcare coverage won’t cover you at your destination or for some of the activities you’ll be doing.
• Your trip involves costly, nonrefundable deposits or prepayments that you would lose if the trip were canceled at the last minute .
• Health care at your intended destination may not be sufficient, and you might need evacuation (which is costly) if you become ill or injured.
• Your trip involves multiple destinations or forms of transportation, creating additional chances for a missed connection or delay.

Travel insurance isn’t always necessary. However, getting a travel insurance policy is smart if you’ve invested significant money or are worried about medical coverage during your trip.

As nearly all destinations worldwide have been affected by COVID-19, Nationwide says canceling a trip for “ general concerns related to potential COVID-19 exposure is not generally covered under our travel protection plans.”

However, specific plan terms and reasons for trip cancellation/delay will be evaluated on a case-by-case basis for every claim. That’s because certain elements of your travel insurance plan “may provide coverage if you have been diagnosed with COVID-19, are under quarantine or are traveling to a destination that is currently under a CDC travel restriction.”

Rather than canceling a trip, postponing it due to COVID-19 is another option. Your plan may be extended to cover your new trip dates if your travel is no more than 18 months from the original dates and if you pay the difference in fare (if any) for the adjusted plan.

Cancel for Any Reason (CFAR) coverage , added at the time you purchased your plan, may provide certain benefits if you cancel a trip due to COVID-19 concerns. However, this may not result in a 100% refund for all losses you incur. Nationwide says CFAR means “you may be covered for a percentage of the loss in the form of a credit or refund based on the terms of your specific plan.”

A few other situations are worth considering as well:

• If you test positive or are sick because of COVID-19, proof of this and a doctor’s note stating you’re medically unable to travel (or proof of quarantine requirements) should be sufficient for trip cancellation coverage.
• If your plan includes medical expense coverage, this benefit should apply if you become sick with COVID-19 during a trip.
• If you are forced to quarantine, your plan should remain in effect until the quarantine ends. And trip cancellation, interruption, or medical expense benefits should apply.

Types of Policies Available With Nationwide

Nationwide offers 3 main tips of travel insurance plans: single-trip, cruise, and multi-trip.

There are 2 types of single-trip plans : Essential and Prime . The Prime Plan has higher coverage limits in nearly every category. Note which coverage types are secondary in the following comparison.

There are 3 types of plans available for cruisers : Universal , Choice , and Luxury . In addition to typical travel insurance inclusions, these plans have coverage for altered itineraries and even missed shore excursions due to altered itineraries.

There are 3 types of annual insurance policies available: Pro, Plus, and Pro Deluxe. Interestingly, only the Plus plan includes an option for trip cancellation . The other 2 plans don’t offer this.

These plans include a $7 nonrefundable processing fee and aren’t available to residents of AK, CA, MT, or SC, or those 81+ years old. Plans must start in or include a stop in the U.S. and must be 30 days or less in duration.

To get a quote, head to the Nationwide travel insurance page and click on Get started .

The next page will ask you what type of plan you need.

Once you choose a plan type, you’ll provide information about the traveler(s) age(s), state of residence, and total trip cost . You’ll also include a date for the initial deposit and intended final payment date for your trip. For cruise and single-trip plans, you’ll also include a destination and dates of travel. Cruise trips also ask what line you’re sailing with.

The next page will show available plan options and let you compare them for coverage maximums and inclusions.

If you click on the text for a coverage amount in the chart, a pop-up window shows details. Here’s the description for the optional add-on for Cancel for Any Reason (CFAR) coverage.

Once you choose a plan, click on Buy this plan at the top, near the cost. On the next page, you’ll need to agree to certain disclosures and provide the names, birth dates, and contact information for the insured travelers.

If the detailed traveler information you provide doesn’t match what you originally included when obtaining the quote, the price may change. If that happens, you’ll see a message stating so at the top of the final payment page.

On this final page, you’ll provide your billing address and credit card number to complete the payment.

How Nationwide Compares — Summary

It’s possible that you have a  credit card with travel insurance . This type of coverage may be sufficient for small, simple, or inexpensive trips, but it doesn’t offer everything that a comprehensive travel insurance policy covers when it comes to more complex itineraries.

For comparison, we’ll put Nationwide’s best policy side-by-side with 2 premium credit cards with robust insurance coverage:  The Platinum Card ®  from American Express  and the  Chase Sapphire Reserve ® . Before we get started, note that enrollment may be required for some of the Amex benefits described below.

And while you’ll pay to get a separate travel insurance policy, there’s no fee for the insurance perks built into these credit cards. They come as part of the cards’ annual fees.

At first glance, it looks like these credit cards provide robust coverage. However, some of these coverage items are secondary, meaning you’d need to deal with other insurance providers first, such as your homeowner’s insurance or personal vehicle insurance, and then deal with your credit card’s insurance provider for any expenses not yet reimbursed or to cover the deductible on other policies. Having your car insurance rates go up because of a claim related to your vacation could be frustrating. Travel insurance policies, as primary coverage, mean you would deal with the travel insurance provider first.

Nationwide’s Prime Plan provides more robust travel insurance coverage in several key areas : trip cancellation, trip interruption, emergency medical, and emergency evacuation.

To compare Nationwide to other travel insurance companies, we obtained a quote for a couple, ages 38 and 36, traveling to Mexico for a 1-week trip that costs $2,000 (with the original payment made today). Note that the costs you see for a policy can vary, based on factors like age, trip cost, number of people covered, and where you reside.

We started our search with Squaremouth , a travel insurance comparison website analyzing numerous policies to help you find the right one. We listed a departure date 3 months in advance, an original deposit date the same day, and the state of residence as Arizona.

All 3 plans include COVID-19 coverage and 100% trip cancellation coverage. Nationwide’s travel insurance Prime Plan had the middle cost of the 3 options, yet it includes the best trip interruption level (200%, rather than 150% or 125% for the others). Nationwide also has the best coverage for financial default: 10 days wait, rather than 14 with Seven Corners Trip Protection Choice and no coverage with Generali Global Assistance Travel Insurance Standard.

Lastly, Nationwide has better coverage than Seven Corners for hurricane and weather, but the best coverage includes delays of “any time” with Generali — which also has the cheapest plan.

You can file a Nationwide claim online . Under File a personal insurance claim , find the button for File a claim .

The next page outlines the process for filing a claim, including the basic information you’ll provide, uploading documents, and then reviewing before submission.

Nationwide is a household name in insurance, and it offers multiple types of travel insurance to cater to different needs. While it doesn’t offer extreme sports-focused plans or numerous additional add-ons to customize everything you want, plans cover most of what you’re looking for when choosing a single-trip, multi-trip, or cruise-focused plan.

Within each plan type, you can choose different levels to save money with common coverage amounts or pay more to increase the maximum payout limits. This can be handy if you’re traveling to remote areas, have an increased risk of injury or illness during your trip, or have expensive items in your luggage.

Travel insurance options can feel countless. Ensure you check multiple plan types and coverage levels — as well as competing insurance companies — to find the plan that fits your needs and your budget.

For the baggage insurance plan benefit of the Amex Platinum card, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit  americanexpress.com/benefitsguide  for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of the Amex Platinum card, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the premium global assist hotline benefit of the Amex Platinum card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by premium global assist hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, card members may be responsible for the costs charged by third-party service providers.

For the trip delay insurance benefit of the Amex Platinum card, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of the Amex Platinum card, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For rates and fees of The Platinum Card ® from American Express, click here .

Frequently Asked Questions

Does nationwide travel insurance cover cruises.

Nationwide has cruise-specific plans. These are single-trip plans and cover things like itinerary changes and suspension of services, plus other issues you may encounter.

Is there an age limit for the Nationwide FlexPlus travel insurance?

FlexPlus is available for U.K. residents only. If anyone on the plan is 70 or older, you’ll need to purchase an age extension.

Does Nationwide travel insurance cover flight delays or missed connections?

Yes, it can. Depending on the policy, coverage amounts will vary.

Does Nationwide travel insurance cover skiing or trekking?

The Prime Plan can cover adventure sports.

When do I need to buy Nationwide travel insurance?

You can purchase plans up to the day before your departure. However, options for coverage diminish as time passes from your original trip deposit. Read our guide to find out more on when to buy travel insurance .

Was this page helpful?

About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

INSIDERS ONLY: UP PULSE ™

Get the latest travel tips, crucial news, flight & hotel deal alerts...

Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.

We respect your privacy . This site is protected by reCAPTCHA. Google's privacy policy and terms of service apply.

UP's Bonus Valuation

This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Coronavirus
• Climate Change
• Vertical Storytelling
• Corrections Policy
• College Football
• High School Sports
• H.S. Sports Awards
• Sports Betting
• College Basketball (M)
• College Basketball (W)
• For The Win
• Sports Pulse
• Weekly Pulse
• Buy Tickets
• Sports Seriously
• Sports+ States
• Celebrities
• Entertainment This!
• Celebrity Deaths
• American Influencer Awards
• Women of the Century
• Problem Solved
• Personal Finance
• Small Business
• Consumer Recalls
• Video Games
• Product Reviews
• Destinations
• Airline News
• Experience America
• Today's Debate
• Suzette Hackney
• Policing the USA
• Meet the Editorial Board
• How to Submit Content
• Hidden Common Ground
• Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

Nationwide travel insurance review 2024

Jennifer Simonson

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Updated 9:07 a.m. UTC Nov. 13, 2023

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

Best for tour and cruise missed connection coverage

Top-scoring plans

Covers covid, medical & evacuation limits per person, what you should know.

Nationwide’s Cruise Choice and Cruise Luxury plans provide best-in-class coverage for missed connections — $2,500 per person after only a three-hour delay — when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

• Cruise travel insurance that covers port of call itinerary changes made by cruise line before departure, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Great missed connection coverage of $2,500 per person.
• Includes pre-paid excursion reimbursement benefit of $500 with Cruise Choice plan or $1,000 with the Luxury Cruise plan.
• Superior baggage loss benefits of $2,500 per person.
• “Interruption for any reason” upgrade available.
• Excellent 75% “cancel for any reason” upgrade available with Cruise Luxury plan, but you must buy it within 14 days of your first trip deposit.
• Lower medical limits than other top plans, and coverage is secondary.
• Hurricane and weather delay coverage kicks in after 24 hours, not 12.
• Employment layoff coverage requires three years of continuous employment.

About Nationwide travel insurance

Nationwide offers several travel insurance plan options from single-trip to annual coverage to cruise-specific travel. Its Cruise Choice and Cruise Luxury plans tie with 4.5 stars in our rating of the best travel insurance . 

In this Nationwide travel insurance review we compare the company’s travel insurance plans, break down your additional coverage options and give you an idea of how much Nationwide travel insurance costs. 

Nationwide travel insurance plans

Nationwide offers three cruise travel insurance plans that provide coverage for situations like ship-based mechanical breakdowns, port of call itinerary changes made by the cruise line before departure and shipboard service disruptions. 

It also offers two single-trip plans and two annual travel insurance plans , designed to offer financial protection for domestic and international trips. Annual plans are not available to residents of New York and Washington.

Universal Cruise

The Universal Cruise Plan meets the needs of travelers taking shorter and more economical cruise vacations. Along with trip interruption, trip cancellation and trip delay coverage, the plan also includes up to $75,000 per person in travel medical insurance . It is important to note that this medical coverage is secondary, meaning you’d have to file a claim with your health insurance company first.

Choice Cruise 

Nationwide’s midtier cruise plan was designed for travelers who want higher levels of coverage than what is offered in the Universal Cruise plan. Cruise Choice gets 4 stars in our rating of the best cruise travel insurance . 

In addition to raising the medical and trip protection limits, this plan includes accidental death and dismemberment coverage, non-medical evacuation coverage, a pre-existing condition waiver (if you buy the plan within 14 days of initial trip payment) and the option to upgrade to “cancel for any reason” coverage . 

Luxury Cruise 

Nationwide’s Luxury Cruise plan provides the highest level of benefits for cruise travelers. The plan includes the same type of benefits as the Choice Cruise plan, but increases the travel medical insurance to $150,000 per person in secondary coverage and the emergency medical evacuation limit to $1,000,000 per person. 

Single-Trip Essential 

Nationwide’s Single-Trip Essential plan offers all the basic travel insurance coverage such as trip cancellation insurance , trip interruption, travel delay, baggage and emergency medical. Policyholders have the option to add rental car coverage as well as accidental death and dismemberment coverage with this plan. 

Single-Trip Prime 

This travel insurance plan includes generous trip interruption coverage of 200% of the trip cost (up to $60,000), excellent travel delay coverage of $2,000 per person after a 6-hour delay, $150,000 per person in secondary emergency medical coverage and $1,000,000 per person in emergency evacuation converge. Rental car coverage and a “cancel for any reason” upgrade are also available as upgrades to this plan. 

Travel Pro 

Travel Pro is one of Nationwide’s three annual plans, designed for travelers who want one plan to cover multiple trips. To be eligible for annual travel insurance with Nationwide, you need to travel at least 100 miles from your home and your trip must be 30 days or less. 

The Travel Pro plan provides travel coverage benefits such as $200 trip delay coverage per person per trip, $10,000 per person per trip in emergency medical expenses and $50,000 per person per trip in emergency evacuation coverage. 

Travel Plus 

Another annual plan, Travel Plus includes the same benefits and coverage as the Travel Pro plan with the addition of trip cancellation and trip interruption coverage. If your trip is canceled or interrupted due to covered illness or injury, weather or other covered conditions, the plan will reimburse prepaid, nonrefundable cancellation charges and deposits up to $10,000. 

Travel Pro Deluxe 

This annual travel insurance plan includes the same travel benefits as the Travel Pro plan, but increases the coverage amount. For example, the trip delay benefit jumps up to $500 per person per trip and the emergency medical evaluation jumps up to $250,000 per person per trip. 

All annual travel insurance plans include a 10 to 14-day “free look” period (depending on the state you live in) where you can review your plan to make sure it is the right plan for you. If not, you can request a full refund, minus a processing fee. 

Additional coverage options offered

“cancel-for-any-reason” (cfar) coverage.

 If you add “cancel-for-any-reason” (CFAR) coverage to your travel insurance plan, you can cancel your trip for any reason at all — not only those listed in your policy — and be reimbursed for up to 75% of your non-refundable trip costs. To qualify for reimbursement, you’ll need to cancel your trip at least 48 hours before your scheduled departure, however, so it won’t help if you want to cancel at the last minute. 

CFAR coverage is only available for purchase on the Luxury Cruise Plan and the Single-Trip Prime Plan. It must be purchased within 21 days of the initial trip payment. This coverage is not available in New York or Washington. 

“Interruption-for-any-reason” (IFAR) coverage

If you meet eligibility requirements, Nationwide’s “interruption-for-any-reason” (IFAR) coverage is available for the Universal Cruise Plan, Cruise Plan and Luxury Cruise Plan. This will cover transportation costs if your trip is interrupted at least 48 hours into your trip. The Universal Cruise Plan will reimburse up to $250, the Choice Cruise plan covers up to $500 in reimbursement and the Luxury Cruise Plan reimburses up to $1,000. 

What Nationwide travel insurance doesn't cover

Like all travel insurance companies, Nationwide does not cover everything. Be sure to read your policy carefully to understand what is and isn’t covered. 

Here are some exclusions for Nationwide’s Single-Trip Essential Plan:

• Being under the influence of drugs (unless prescribed by a physician). 
• Suicide, attempted suicide or intentional self-harm. 
• Mental or emotional disorders.
• Participation as an athlete in professional sports.
• Traveling for the purpose of securing medical treatment.
• Accidental injury or sickness when traveling against the advice of a physician.
• Cosmetic surgery or reconstructive surgery.
• Canyoning or canyoneering.
• Piloting or learning to pilot.
• Any non-emergency treatment or surgery, routine physical examinations, hearing aids, eyeglasses or contact lenses.

Nationwide travel insurance rates

How much you pay for Nationwide travel insurance will depend on your age, your trip destination, length and cost, the travel insurance plan you choose and whether or not you opt for the more comprehensive CFAR coverage. Here are some sample quotes for Nationwide’s Cruise Luxury plan for different types of vacations. 

Methodology

Our insurance experts reviewed 42 aspects of 53 policies to find the best travel insurance plans. We used data provided by Squaremouth, a travel insurance comparison provider. For companies offering more than one travel insurance plan, we shared information about the highest-scoring plan (or two, in case of a tie).

Some companies may offer plans with additional benefits or lower prices than the plans which scored the highest, so make sure to get travel insurance quotes to see your full range of options.

The factors we scored out of a possible 100 points include the following.

Cost: 30 points. We scored the average cost for each travel insurance policy for a variety of trips and traveler profiles:

• Couple, age 30 for an 8-day trip to Mexico costing $3,000.
• Couple, age 30 for an 8-day trip to Mexico costing $3,000, with CFAR coverage upgrade.
• Couple, age 40, for a 17-day trip to Italy costing $6,000.
• Couple, age 40, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
• Family of four, for a 17-day trip to Italy costing $15,000.
• Family of four, for a 17-day trip to Italy costing $15,000, with CFAR coverage upgrade.
• Couple, age 65, for a 17-day trip to Italy costing $6,000.
• Couple, age 65, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
• Couple, age 70, for an 8-day trip to Mexico trip costing $3,000.
• Couple, age 70, for an 8-day trip to Mexico trip costing $3,000, with CFAR coverage upgrade.

Medical expenses: 15 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with travel medical expense benefits of $250,000 or more per person were given the highest score of 15 points.

Medical evacuation: 15 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 15 points.

“Cancel for any reason” upgrade: 5 points. We gave travel insurance plans with the option of a “cancel for any reason” upgrade 5 points.

Trip interruption travel insurance: 5 points. We gave 5 points to travel insurance plans that offer trip interruption reimbursement of 150% or more.

Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in at 6 hours or less.

Baggage delay required waiting time: 5 points. We gave 5 points to travel insurance policies with baggage delay benefits that kick in at 12 hours or less.

Pre-existing medical condition exclusion waiver: 5 points. We gave policies that cover pre-existing medical conditions if purchased within a required timeline 5 points.

Non-medical evacuation: 5 points. If a policy provides coverage for non-medical evacuation, such as for political or security reasons, we gave it 5 points.

Cancel for work reasons: 5 points. If a plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.

Employment layoff: 5 points. Travel insurance policies that allow you to cancel your trip because of layoff at a company where you have worked for one continuous year were scored 5 points. If a plan requires that you had the job for more than a year to qualify, no points were given.

Nationwide travel insurance FAQs

Yes, Nationwide travel insurance covers COVID-19 . Policyholders who become ill with COVID-19 prior to their departure may be eligible for trip cancellation coverage. Policyholders who become ill with COVID-19 while on their trip may be covered for medical expenses and trip interruption benefits with a confirmed diagnosis.

Yes, select Nationwide travel insurance plans offer an optional upgrade to “cancel for any reason” (CFAR) coverage . CFAR coverage is available to add to the Luxury Cruise Plan and the Single-Trip Prime Plan, provided you meet eligibility requirements.

No, travel insurance is still available to purchase from Nationwide.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

Average flight costs: Travel, airfare and flight statistics 2024

Travel Insurance Timothy Moore

John Hancock travel insurance review 2024

Travel Insurance Jennifer Simonson

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travel Insurance Mandy Sleight

Travelex travel insurance review 2024

Best travel insurance companies of April 2024

Travel Insurance Amy Fontinelle

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

Outlook for travel insurance in 2024

Survey: Nearly 85% of Americans avoid family over the holidays

Travel Insurance Kara McGinley

• Cruise/Travel Insurance

Nationwide FlexPlus Travel Insurance Changes

By daveoc , February 20 in Cruise/Travel Insurance

Recommended Posts

Nationwide are making some major changes to their travel insurance from May 1st. The insurer is changing to Aviva and amongst the changes are:

1) At present you can buy an extension to increase your cancellation cover to £20000 but from May 1st the maximum you can increase it to will be reduced to £10000, so possibly this will have an impact on longer cruises.

2) At present you can buy a cruise cover extension for the year that covers things like missed port cover. From May 1st you must buy the extension for each cruise that you do.

There are several other changes and people are reporting that they are starting to receive emails from Nationwide. I cannot post a direct link but if you do a search for 'Nationwide FlexPlus Travel Provider Change ' it should bring up the relative links.

Link to comment

Share on other sites.

Yes, I am deliberately renewing mine on March 25th, so I stay with UK Insurance for one more year.  Already spoken to them.

16 minutes ago, jeanlyon said: Yes, I am deliberately renewing mine on March 25th, so I stay with UK Insurance for one more year.  Already spoken to them.

Excellent idea.

Presumably this will only take effect from the members next annual renewal, as we have recently paid the supplements for 12 months cover?

I’m not surprised that the cruise add on is changing. We paid a ridiculously small supplement for cruise cover (no more than £30 from memory) and already have £600 in missed port claims. 

Old_tilly_billy

Need to look at renewing before these changes take affect 

Winifred 22

3 hours ago, Selbourne said: Presumably this will only take effect from the members next annual renewal, as we have recently paid the supplements for 12 months cover?   I’m not surprised that the cruise add on is changing. We paid a ridiculously small supplement for cruise cover (no more than £30 from memory) and already have £600 in missed port claims. 

It’s £40 for cruise cover.

Just now, Winifred 22 said: It’s £40 for cruise cover.

Thanks. I knew it wasn’t much, especially when just one missed port nets a couple £300. I can’t see how they can do it for that price in all honesty. Seems like they couldn’t!

13 minutes ago, Selbourne said: Thanks. I knew it wasn’t much, especially when just one missed port nets a couple £300. I can’t see how they can do it for that price in all honesty. Seems like they couldn’t!

No I can’t either I only have claimed one r for missed port . Apparently you stay on the old scheme until you renew. I don’t renew until October but half wondering to renew end of April. I cruise several times a year sometimes at short notice so annual cover is a better option for me.  

12 hours ago, Winifred 22 said: No I can’t either I only have claimed one r for missed port . Apparently you stay on the old scheme until you renew. I don’t renew until October but half wondering to renew end of April. I cruise several times a year sometimes at short notice so annual cover is a better option for me.  

You can't renew if your policy or upgrades are not due for renewal.  Mine are due on April 17th and you can do it one month in advance, so they told me to ring around March 25th.  Although there is no longer an age extension with Aviva, I know they don't cover over 85s, but whether they will with Nationwide I have yet to find out.

Is an option if allowed. We are due for renewal 21st May so will be with Arvia.and don't know if they will allow me to renew before 1st May and stay with UK Travel for another 12 months. If they won't allow will wait to see what Arvia charge for pre existing medical conditions and individual charge for every extra c ruise cover and conditions because don't seem to have revealed that yet.

6 minutes ago, majortom10 said: Is an option if allowed. We are due for renewal 21st May so will be with Arvia.and don't know if they will allow me to renew before 1st May and stay with UK Travel for another 12 months. If they won't allow will wait to see what Arvia charge for pre existing medical conditions and individual charge for every extra c ruise cover and conditions because don't seem to have revealed that yet.

I think you mean Aviva?   😊

49 minutes ago, jeanlyon said: You can't renew if your policy or upgrades are not due for renewal.  Mine are due on April 17th and you can do it one month in advance, so they told me to ring around March 25th.  Although there is no longer an age extension with Aviva, I know they don't cover over 85s, but whether they will with Nationwide I have yet to find out.

Oh let me know about the over 85s if you do find out. My mother is 85 but luckily our renewal is now so she is OK for this year.

I wonder how much cruise cover per cruise will be. I tried a dummy booking on their normal travel insurance site but it didn’t give cruise cover as an optional extra.

1 hour ago, jeanlyon said: You can't renew if your policy or upgrades are not due for renewal.  Mine are due on April 17th and you can do it one month in advance, so they told me to ring around March 25th.  Although there is no longer an age extension with Aviva, I know they don't cover over 85s, but whether they will with Nationwide I have yet to find out.

Thanks I had a feeling I was being a bit optimistic. 

2 hours ago, jeanlyon said: I think you mean Aviva?   😊

Yes sorry my mistake got Arvia on my brain thinking of our cruise in April.

Please remember it is not Aviva you are insuring with, it is Nationwide and they will be "buying in" underwriting from Aviva not selling their policies.  This means Nationwide will have effectively "shopped" the underwriting market to find a provider matching as near as possible their current offering or what they wish to offer under a new contract.  This will then have been adjusted and negotiated between the parties before Nationwide "bought" their package to offer to their customers.  The Nationwide offering has for very many years been a big selling point to their customers so they won't want to cause too much discontent amongst them however the underwriting market has changed massively since the pandemic with many leaving it (as UK Insurance have chosen to do).  A large number of these packaged bank accounts in particular have had to look elsewhere - Halifax/Lloyds losing AXA in November 2021 and moving to Allianz for example.  Although your policy is underwritten by Aviva it will still be Nationwide setting the terms.  Aviva will, however, be responsible for setting the underwriting for things like medical issues with Nationwide having little say in the policy costs.  It is almost inevitable there will be some increase in the cost of these but it is not just an Aviva/Nstionwide but across the whole insurance market in some cases as much as 40% but averaging 20%.

Things like the 85 year cut off with Aviva may not apply to the Nationwide one - presumably the age add on people used to buy covered people beyond that age (I have no personal experience of this so assume it to be the case). As Nationwide state you no longer need an age addition it may be that they have negotiated this with Aviva - Nationwide should be able to explain this even before the Aviva policies go live as someone in their organisation will have negotiated the policy and terms.

Again with the cruise add on being cruise by cruise instead of one add on, it will have been a policy decision by Nationwide not Aviva.  At a guess I would say that over the past few years payouts on this section will have greatly increased and it will have been a commercial decision based on this.

I've looked at the new policy as I'm approaching my 70th and my current insurer won't insure me from September and I intend to swap as the benefits look very good even under Aviva.

Hope that helps.

4 hours ago, Megabear2 said: Please remember it is not Aviva you are insuring with, it is Nationwide and they will be "buying in" underwriting from Aviva not selling their policies.  This means Nationwide will have effectively "shopped" the underwriting market to find a provider matching as near as possible their current offering or what they wish to offer under a new contract.  This will then have been adjusted and negotiated between the parties before Nationwide "bought" their package to offer to their customers.  The Nationwide offering has for very many years been a big selling point to their customers so they won't want to cause too much discontent amongst them however the underwriting market has changed massively since the pandemic with many leaving it (as UK Insurance have chosen to do).  A large number of these packaged bank accounts in particular have had to look elsewhere - Halifax/Lloyds losing AXA in November 2021 and moving to Allianz for example.  Although your policy is underwritten by Aviva it will still be Nationwide setting the terms.  Aviva will, however, be responsible for setting the underwriting for things like medical issues with Nationwide having little say in the policy costs.  It is almost inevitable there will be some increase in the cost of these but it is not just an Aviva/Nstionwide but across the whole insurance market in some cases as much as 40% but averaging 20%.   Things like the 85 year cut off with Aviva may not apply to the Nationwide one - presumably the age add on people used to buy covered people beyond that age (I have no personal experience of this so assume it to be the case). As Nationwide state you no longer need an age addition it may be that they have negotiated this with Aviva - Nationwide should be able to explain this even before the Aviva policies go live as someone in their organisation will have negotiated the policy and terms.   Again with the cruise add on being cruise by cruise instead of one add on, it will have been a policy decision by Nationwide not Aviva.  At a guess I would say that over the past few years payouts on this section will have greatly increased and it will have been a commercial decision based on this.   I've looked at the new policy as I'm approaching my 70th and my current insurer won't insure me from September and I intend to swap as the benefits look very good even under Aviva.   Hope that helps.

Don't think that is correct when we have taken out pre- medical quote and paid for it and also the extra cruise cover supplement we paid UK Travel direct and when we claimed for missed ports we had to ring UK Travel direct to make the claim and they paid the money direct into my account. The only dealing we have with Nationwide is the £13 monthly cost which they take automatically from your Flexplus account.

5 minutes ago, majortom10 said: Don't think that is correct when we have taken out pre- medical quote and paid for it and also the extra cruise cover supplement we paid UK Travel direct and when we claimed for missed ports we had to ring UK Travel direct to make the claim and they paid the money direct into my account. The only dealing we have with Nationwide is the £13 monthly cost which they take automatically from your Flexplus account.

There are many companies putting their names to travel insurance and designing their own products, however there are actually very few travel insurance underwriters.  Aviva is one of these as is UK Travel and they underwrite for a large number of third parties including leading banks, big corporate companies such as M&S, John Lewis etc.  The design and terms of the product belong to the headline name,  in the case under discussion this is Nationwide but it could just as easily be M&S or another company. It is confusing but none of these products are actually the underwriters policies.  Even more confusing the Aviva insurance arm and the Aviva underwriting arm are actually two different entities.  However your contract of insurance is issued and owned by Nationwide, hence your monthly fee, but managed on their behalf by UK Travel/Aviva on their behalf.

These are the details for the presently in place Nationwide insurance as provided by them on their website.  It clearly shows UK Insurance Limited is the Underwriter not the Provider.  

"U K Insurance Limited

Just for info, this is from trade magazine last year explaining Aviva's acquisition along with "buying" Barclays Home Insurance Book.  Towards the end it mentions that Aviva did this deal with Nationwide in May 2023 for the travel insurance.  It would appear they are in quite an acquisitive phase in their business.

https://www.insurancebusinessmag.com/uk/news/property-insurance/aviva-announces-major-home-insurance-swoop-453638.aspx

I see they will not be charging a supplement for the over 70s, as Uk nsurance did, but does anyone know if the new Aviva/Nationwide policy has an upper age limit?

• 3 weeks later...

An ordinary Aviva Travel insurance policy has an upper age limit of 74, that's why I was concerned, but as someone said, it would upset a lot of people who must be over that age, so we will see.  

• 4 weeks later...

TravellerSRC

Has anyone found out if new nationwide flex plus travel insurance will have an upper age limit? I’ve contacted Nationwide bank but told to ring back in May. 

3 hours ago, TravellerSRC said: Has anyone found out if new nationwide flex plus travel insurance will have an upper age limit? I’ve contacted Nationwide bank but told to ring back in May.

Nationwide have sent me couple of booklets regarding the switch to Aviva. One, entitled FlexPlus Travel Insurance Provider Change , gives details of the changes in cover from the original UK Insurance policy to the new Aviva policy. In this booklet on page2 under the heading  Upgrades it states: " Age :  You will no longer need to buy a separate upgrade to be covered beyond your 70th birthday. You will be covered automatically. "

There is no mention of an age limit under this Age heading!

57 minutes ago, Astrajet said: Nationwide have sent me couple of booklets regarding the switch to Aviva. One, entitled FlexPlus Travel Insurance Provider Change , gives details of the changes in cover from the original UK Insurance policy to the new Aviva policy. In this booklet on page2 under the heading  Upgrades it states: " Age :  You will no longer need to buy a separate upgrade to be covered beyond your 70th birthday. You will be covered automatically. " There is no mention of an age limit under this Age heading!

Any idea of cruise upgrade prices ?

3 hours ago, Winifred 22 said: Any idea of cruise upgrade prices ?

Unfortunately not. There is no mention of any costs in the literature I have been sent other than the monthly fee for the FlexPlus account will remain at £13.

Please sign in to comment

You will be able to leave a comment after signing in

• Welcome to Cruise Critic
• ANNOUNCEMENT: Set Sail Beyond the Ordinary with Oceania Cruises
• New Cruisers
• Cruise Lines “A – O”
• Cruise Lines “P – Z”
• River Cruising
• Cruise Critic News & Features
• Digital Photography & Cruise Technology
• Special Interest Cruising
• Cruise Discussion Topics
• UK Cruising
• Australia & New Zealand Cruisers
• Canadian Cruisers
• North American Homeports
• Ports of Call
• Cruise Conversations

Announcements

• New to Cruise Critic? Join our Community!

Write Your Own Amazing Review !

Click this gorgeous photo by member SUPERstar777 to share your review!

Features & News

LauraS · Started 10 hours ago

LauraS · Started 16 hours ago

LauraS · Started Monday at 10:08 PM

LauraS · Started Monday at 09:45 PM

LauraS · Started Thursday at 07:37 PM

• Existing user? Sign in OR Create an Account
• Find Your Roll Call
• Meet & Mingle
• Community Help Center
• All Activity
• Member Photo Albums
• Meet & Mingle Photos
• Favorite Cruise Memories
• Cruise Food Photos
• Cruise Ship Photos
• Ports of Call Photos
• Towel Animal Photos
• Amazing, Funny & Totally Awesome Cruise Photos
• Write a Review
• Live Cruise Reports
• Member Cruise Reviews
• Create New...

• International edition
• Australia edition
• Europe edition

Nationwide reduces Flex travel insurance cover for Covid cancellations

Changes by building society will apply to trips booked from 1 January 2021

• Coronavirus – latest updates
• See all our coronavirus coverage

Nationwide building society has announced a significant downgrade to the travel insurance it provides to Flex account customers that means trips booked from 1 January 2021 will not be covered if the account holder is forced to make one of a number of Covid-related cancellations.

The popular insurance , which is supplied for worldwide travel as part of the £13-a-month FlexPlus current account and European trips on standard Flex accounts, currently offers cancellation cover if lockdown or other rules change after a holiday has been booked.

However, for trips booked from 1 January, it will no longer pay out if the Foreign Office changes its advice post-booking and warns against all but essential travel.

Equally, if the insured or a travelling companion are forced to abandon the trip because they have been told to self-isolate – even though they do not actually have coronavirus – they will again be unable to reclaim their losses. It is the same story if your pre-booked accommodation goes into local lockdown.

The building society says it will still pay cancellation claims if the policyholder, a travelling companion or a close relative are diagnosed with the coronavirus after they booked the trip. It will also pay emergency medical expenses abroad if they are diagnosed with Covid-19 while abroad.

Cutting a trip short because of a change in Foreign Office advice, as long as you were not aware of this advice when you travelled, will also be covered.

Until this week’s announcement, Nationwide’s FlexPlus policy was one of the few offering cancellation cover to those caught up in a change of advice by the Foreign Office.

A few specialist insurers still offer this cover at a price.

Currently, UK travellers can only travel to a handful of destinations without having to quarantine, while the government is still advising against holidaying in many popular destinations.

• Travel insurance
• Coronavirus

Most viewed