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Nationwide Travel Insurance Review: Is it Worth The Cost?

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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.

nationwide travel insurance emergency medical number

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.

, 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 some of the best travel credit cards of 2024 :

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

No annual fee: Wells Fargo Autograph℠ 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℠.

Chase Southwest Rapid Rewards® Plus Credit Card

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.

Introduction to Nationwide Travel Insurance
Coverage Options
How to Purchase and Manage Your Policy

Nationwide Customer Reviews and Claims Experience

Compare nationwide travel insurance.

Why You Should Trust Us

Nationwide Travel Insurance Review 2024: Comprehensive Review and Analysis

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

Nationwide has been around close to 100 years after being founded in 1926. The Ohio-based company has many different products in the insurance and finance space, including coverage for trips. Nationwide Travel Insurance policies are available for single or multiple trips and can cover cruise trips too.

Nationwide Travel Insurance Summary

Nationwide is one of the leading names in insurance across various areas of coverage including life, auto, and travel insurance. Nationwide's coverage is also as comprehensive as it is varied. It tops our list of the best travel insurance companies and best cruise travel insurance , also ranking among the best cheap travel insurance companies for the value it provides.

With single trip, multi trip, and cruise-specific policies along with an abundance of riders, there's a good chance Nationwide will have the coverage you're looking for.

That said, Nationwide lacks some of the niche coverage that other companies can provide. For example, Nationwide doesn't insure trips over 31-days long. Its annual travel insurance only applies to trips 30 days or under. Additionally, Nationwide lacks specific adventure sports coverage.

Ultimately, Nationwide is the company to beat. If you're shopping for something a little more specific, use Nationwide's quotes as your baseline as you search for something more tailored to your trip.

Coverage Options from Nationwide

Nationwide offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

The travel insurance policies offered by Nationwide are available to consumers and are divided up by the type of trip: single trip, multiple trips, or cruise coverage.

Single-trip travel insurance policies

Nationwide offers two single-trip travel insurance policies: the Essential plan and the Prime plan.

As the name suggests, Nationwide Essential travel insurance covers the basics. It offers some protection should anything happen ahead of your trip or while you're on your trip.

The Prime plan takes your coverage to the next level, with higher coverage limits and the option to add on the coveted cancel for any reason (CFAR) coverage at an extra cost.

Both plans include trip cancellation or interruption coverage in the event of terrorism in your destination city, travel assistance from Nationwide at no additional charge, and refunds with a 10-day review period (except in Washington and New York). Note that for baggage and personal effects coverage, there is a $500 combined maximum limit for valuable items (see your policy's terms and conditions for details on what's considered valuable). It also covers damaged or lost sports equipment.

Here's how the two plans stack up in terms of coverage limits. For trip delay coverage, you'll be eligible for reimbursement for delays of six hours or more.

Annual and multi-trip travel insurance policies

If you're looking for travel insurance coverage for more than one trip and want to cover your partner and children, the Travel Pro Plan may be an affordable option. It's important to note that this policy only covers events after departure, not pre-departure events. This policy could be as low as $59 as of the time of writing.

The Travel Plus Plan is another multi-trip policy from Nationwide that has flexible term limits for trip interruption and cancellation coverage, up to $10,000. This covers the gaps from the Travel Pro Plan, which only covers post-departure events. So if you needed to cancel the trip due to a covered illness or other reason, this is the plan for you.

If you want to increase the level of benefits for your after-departure coverage, the Travel Pro Deluxe Plan does just that. It builds on the Travel Pro Plan, hence the name, and includes higher coverage limits for just $20 more.

All plans include the same travel assistance from Nationwide that's included with the single-trip policies. Here's how the multiple-trip plans compare:

Cruise coverage

Nationwide offers three cruise travel insurance plans.

If you're going on a short cruise or going for the first time, the Universal Cruise Plan may be a good starting point if you want added protection and to recoup nonrefundable costs. Just make sure that you qualify based on your state, as cruise coverage isn't available in all states.

If you're going on a longer cruise and want added coverage to protect your trip, the Choice Cruise plan is an option to consider. And if you're looking for the most benefits and go on many cruises, the Luxury Cruise plan offers the most coverage options.

All three policies can be refunded with a 10-day review period, except in Washington and New York.

Here's a comparison of the coverage you'll get with Nationwide's three different cruise travel insurance policies:

Additional coverage options from Nationwide

Nationwide has a number of additional coverage options that can add more protection to your policy but also add to the cost as well. These include:

Financial default coverage , in the event your travel supplier ends up in default or bankruptcy. This is available with the Essential and Prime single-trip policies.
Pre-existing condition waiver, which may offer coverage for pre-existing illnesses or diseases if certain conditions are met. This is available with the Essential and Prime single-trip policies.
Accidental death and dismemberment, which can have limits of $5,000, $10,000, $25,000 or $50,000 depending on the plan. This is available with the Essential and Prime single-trip policies.
Accidental death for flights only, which can have limits of $100,000, $250,000, or $500,000. This is available with the Essential and Prime single-trip policies.
Rental car collision or loss coverage, in the event something happens to your rental car, you can add on this coverage for up to $25,000 or $35,000 depending on the plan.This is available with the Essential and Prime single-trip policies (except in Texas or New York).
Cancel for any reason (CFAR) , which must be added to a policy and is available through the single-trip Prime Plan, the Choice Cruise Plan, and the Luxury Cruise Plan.

Nationwide Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for Nationwide Insurance plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Nationwide coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

Essential: $89.55
Prime: $129.19

Premiums for Nationwide Insurance plans are between 3% and 4.3% of the trip's cost, well within the average cost of travel insurance.

Nationwide insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

Essential: $113.01
Prime: $160.47

Once again, premiums for Nationwide plans are between 2.8% and 4% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

Essential: $571.62
Prime: $801.94

Nationwide plans cost between 2.8% and 4% of the trip's cost, below and within the average cost of travel insurance.

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

Essential: $248.56
Prime: $352.44

Premiums for Nationwide plans are between 4.1% and 5.9%, which is well the average cost for travel insurance. While its certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies tend to quote for older travelers.

Nationwide Annual Travel Insurance Cost

Quotes from Nationwide's annual travel insurance plans don't actually change based on age or state. You'll get a base quote of $69, which will vary based on how much trip cancellation coverage you'd like to purchase. Prices range from $155 to $729

You can also select a Pro Delux upgrade, which will cost an additional $20.

How to Purchase and Manage Your Nationwide Policy

To purchase a Nationwide travel insurance policy, you first need to obtain a quote from Nationwide's website. You should be prepared to provide the following:

Destination
Departure date
Return date
State of Residence
Total trip cost
Initial trip payment date

When you select a plan, be sure to also take a moment and scroll through the optional add-ons, such as rental car coverage.

How to File a Claim with Nationwide

If you purchased travel insurance through Nationwide and need to file a claim, you can contact a Nationwide representative. You have seven days from the start of the issue that caused loss to notify Nationwide of your claim.

Claims through Nationwide are handled by Co-ordinated Benefit Plans, LLC. You can use its claims portal or call a representative, based on your type of policy.

Single trip policy phone number: 888-490-7606

Annual plan policy phone number: 866-281-1017

Cruise policy phone number : 866-281-0334

Rather reach out via email? You can contact Nationwide via [email protected].

If you need to send documents via mail, the mailing address is:

Co-ordinated Benefit Plans, LLC

On Behalf of Nationwide Mutual Insurance

Company and Affiliated Companies

P.O. Box 26222 Tampa, FL 33623

Nationwide refrains from promising a specific response time frame. However, customers have reported waiting several weeks before hearing any updates.

Since Nationwide offers such a wide breadth of insurance types, it's difficult to separate its travel-specific customer reviews from reviews on its other products. It received an average of 1.16 stars out of five across over 340 reviews on its BBB page, though most customers are writing about experiences with Nationwide's auto and health insurance.

On SquareMouth, a travel insurance-specific aggregator, Nationwide has an average of 4.01 stars across 570 reviews. Reviewers reported unresponsive a claims team and long wait times. Additionally, while insurance companies often engage directly with customer reviews on SquareMouth, Nationwide doesn't respond to customer reviews.

Learn more about how Nationwide Travel Insurance compares against the competition.

Nationwide Travel Insurance vs. Allianz Travel Insurance

Much like Nationwide, Allianz Travel Insurance insurance offers many different types of insurance coverage. While the company may be most well known for auto insurance, it offers travel insurance as well and has eight options. Allianz Travel Insurance, a major player in the travel insurance space, has 10 options listed.

Allianz Travel Insurance may offer higher coverage limits for the policies offered and have a streamlined process for filing a claim online. Where Nationwide wins out is the fact that you can add cancel for any reason (CFAR) for an added cost, whereas CFAR coverage isn't available when purchasing an online policy via Allianz Travel Insurance.

Read our Allianz Travel Insurance review here.

Nationwide Travel Insurance vs. John Hancock Travel Insurance

John Hancock Travel Insurance is similar to Nationwide in that it provides a wide range of insurance offerings and financial services. One of those offerings is travel insurance. John Hancock travel insurance offers travel insurance through Bronze, Silver, and Gold policies.

When comparing policies, the budget option may be slightly more affordable with Nationwide. However, mid-tier and higher coverage options may be more affordable with John Hancock travel insurance. It depends on your policy, trip details, and age. One good thing is that you can add cancel for any reason (CFAR) coverage under all John Hancock travel insurance plan options.

Read our John Hancock Travel Insurance review here.

Nationwide vs. credit card travel coverage

Rewards credit cards come chock full of benefits for cardholders, some of which they might be unaware of. One such perk can be travel interruption or cancellation coverage as well as rental car coverage. Credit cards may have sufficient coverage for quick trips. However, if you want the peace of mind of having solid medical coverage or higher limits, going the traditional travel insurance route may be a better fit.

For frequent travelers, credit card travel protection may be appealing as the coverage is constant. If you're looking for a comparable travel insurance plan with more comprehensive coverage, some companies offer annual travel insurance.

You can find our guide on the best credit cards with travel insurance here.

Nationwide Travel Insurance Frequently Asked Questions

Nationwide's travel insurance offers very comprehensive coverage, including trip cancellation, interruption, medical emergencies, and baggage loss.

Yes, Nationwide allows the purchase of travel insurance up to a day before your departure. It doesn't offer plans for trips already in progress.

Nationwide covers COVID-19 like any other illness, covering trip cancellations with proof of a positive test and covering emergency medical expenses.

Nationwide single trip plans cover pre-existing conditions as long as you purchase the Essential plan within 10 days of your trip deposit and the Prime plan within 21 days of your trip deposit. The annual plan doesn't cover pre-existing conditions, with a 60-day look-back period.

Nationwide is known for its reliable customer service, wide range of coverage options, and the ability to tailor policies with various add-ons, setting them apart from many competitors.

Why You Should Trust Us: How We Reviewed Nationwide Travel Insurance

For our review of Nationwide, we looked at the leading travel insurance providers and compared the amount of options provided, coverage limits, cost, customer service options, and flexibility.

Nationwide is a top contender for cruise-related travel insurance policies and stands out for having cancel for any reason (CFAR) coverage, though it's not available with every policy and comes with an extra cost. To find the best travel insurance policy for you, review various providers and compare quotes before buying a policy.

Read more about how Business Insider rates travel insurance companies here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Nationwide Travel Insurance: The Complete Guide

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About Nationwide Travel Insurance

Already one of the biggest names in insurance, Nationwide Travel Insurance is one part of Nationwide Mutual Insurance Company. As a whole, the Columbus, Ohio-based insurance giant started in 1925 , when the Ohio Farm Bureau Federation incorporated the Farm Bureau Mutual Automobile Insurance Company. The insurer officially changed its name to Nationwide in 1955, after expanding service to 32 states and the District of Columbia. Today, Nationwide offers more than just insurance – their divisions include a bank, a financial services company, a farmland insurance company and even a pet insurance brand.

Compared to other companies, Nationwide is a relatively new travel insurance provider. The company began offering their travel insurance products on InsureMyTrip.com in 2015, and expanded to Squaremouth.com in 2018. Currently, the insurance company focuses on three types of products: cruise travel insurance , single trip travel insurance, and annual travel insurance .

How is Nationwide Travel Insurance rated?

As one of America’s oldest insurance companies, Nationwide has a solid reputation for their financial stability and commitment to policy holders. All travel insurance policies are underwritten by Nationwide Mutual Insurance Company, which has an A+ Superior rating from A.M. Best in the financial size category of $2 billion or greater. The company also holds an A+ rating with the Better Business Bureau , with a composite customer review score of one star (out of five).

In the travel insurance marketplaces, InsureMyTrip.com gives Nationwide an average score of 4.5 stars (out of five) for their cruise travel insurance and single trip travel insurance products. At Squaremouth.com , Nationwide has earned a rating of 4.04 out of five stars, and has sold over 5,783 policies since January 2018.

What travel insurance products are available from Nationwide?

Nationwide Travel Insurance primarily focuses on three travel insurance products: cruise trip insurance , single trip insurance , and annual trip insurance . The company also offers two student education plans, which are available through InsureMyTrip.com : Academic Explorer All Inclusive Domestic and Academic Explorer All Inclusive International.

Please note: all schedules of benefits are subject to change. For the most up-to-date coverage information, contact Nationwide Travel Insurance.

Nationwide Cruise Travel Insurance

Universal Cruise Plan: Nationwide is among the few travel insurance companies to provide an independent cruise-only travel insurance plan. At the lowest end, the Universal Cruise Plan covers many of the basic situations that can go wrong while embarked at sea.

Like traditional travel insurance plans, the Universal Cruise Plan covers a maximum trip cancellation benefit of 100 percent of non-refundable trip costs and a trip interruption maximum benefit of 125 percent of non-refundable trip costs. Covered reasons for trip cancellation or trip interruption include weather, extension of a school operating session, work-related issues, or an act of terrorism in the itinerary city.
This plan differs from a traditional travel insurance plan by offering an Interruption for Any Reason benefit, which reimburses transportation change costs up to $250. Missed connections that cause a delay of over three hours or trip delays of over six hours are also covered, with a maximum benefit of $500 for each type of incident.
Should you get ill or injured on the ship, this plan offers up to $75,000 of both emergency accident and sickness medical expense coverage. It is important to note that this is secondary coverage, not primary coverage. This means that all other insurance, including policies from a credit card must be depleted before the Nationwide insurance plan will cover claims. The plan also offers up to $750 of emergency dental expense coverage and up to $250,000 of emergency medical evacuation coverage.
If your bags are delayed or lost , Nationwide’s Universal Cruise Plan can help. If your bags are delayed by more than eight hours, the baggage delay benefit will cover up to $250 in qualifying expenses. If your luggage is outright lost or stolen, the insurance plan offers a maximum of $1,500 in payouts, including a maximum of $600 for special items and a $300 per article limit.
Finally, unplanned itinerary changes are also covered under this plan. If a port of call is changed prior to departure, this plan offers a maximum of $500 in coverage. If a covered issue impacts your cruise experience, like a fire or mechanical issue, you could qualify for up to $100 in coverage. These two specific benefits are not available to residents of Florida, Minnesota, Missouri, New Hampshire, Oregon, Pennsylvania, Virginia, or Washington state.
As a third-party travel insurance plan covering a cruise, Nationwide’s Universal Cruise Plan is a frugal purchase with lots of benefits. For a 34-year-old male traveling on a $1,500 four-day cruise from North Carolina sailing to the Bahamas, we were quoted a price of $51.45, but your insurance quote and benefits may vary based on age, location, trip price, trip length, cruise line and destination.
See the sample certificate of coverage

Choice Cruise Plan: While the Choice Cruise Plan introduces new benefits, including the pre-existing condition waiver, non-medical evacuation and accidental death and dismemberment coverage, the primary advantage over the basic Universal Cruise Plan is the higher maximum benefits.

For those concerned about a pre-existing condition , this plan offers a waiver if it is purchased prior to the final trip payment and all eligibility requirements are met. The additional accidental death and dismemberment benefit offers up to $25,000 of coverage in the event of an emergency causing the loss of life or limb. If a non-medical evacuation from the ship is required, this plan offers a maximum of $25,000 of coverage.
Like the Universal Cruise Plan, the Choice Cruise Plan offers a maximum of 100 percent trip cancellation coverage of non-refundable trip costs. The plan also offers a 150 percent maximum of non-refundable trip costs for trip interruption, an increase of 25 percent. The plan may pay up to $500 towards transportation change cost reimbursement under the interruption for any reason benefit, if eligibility requirements are met.
If you miss a connection which causes a delay of more than three hours, the plan offers up to $1,500 in coverage for lost events or costs incurred. If your trip is delayed by over six hours, the trip delay benefits can reimburse up to $750 of incidental costs.
Emergency accident and sickness medical expense benefits are increased to a maximum of $100,000 of secondary coverage, meaning other insurance plans must be exhausted before this plan will pay for coverage. Emergency medical evacuation coverage is increased to a maximum of $500,000, and emergency dental expense is a maximum of $750.
For those concerned about their luggage getting lost or stolen, this plan offers increased maximums from the Universal Cruise Plan. If baggage is delayed by eight hours or more, this plan offers a maximum baggage delay reimbursement of $500 towards incidental costs. Baggage that is lost or stolen is covered to a maximum of $2,500, with a special item maximum of $600 and a limit of $300 per article. The plan also offers itinerary change coverage: a maximum of $750 for ports of call change prior to departure, $200 maximum for fire, mechanical, or other covered issue affecting your cruise experience after departure and $500 maximum for an itinerary change after departure that causes you to miss a pre-paid shore excursion . Again, changes to the ports of call and cruise experience impact coverage are not available to residents of Florida, Minnesota, Missouri, New Hampshire, Oregon, Pennsylvania, Virginia, or Washington state.
The Choice Cruise Plan is also the first to offer the Cancel for Any Reason benefit , which allows travelers to recover up to 70 percent of non-refundable trip costs if you decide not to take your cruise after all. The Cancel For Any Reason option is an additional purchase, priced based on your quoted rate.
Compared to the Universal Cruise Plan, the Choice Cruise plan is equally as economic as the lower plan but with more benefits. When we quoted the same trip above for the Choice Cruise Plan, we saw only an 8 percent price increase for more maximum allowances. At the price point, it could make more sense to purchase the Choice Cruise Plan to ensure you get a higher level of coverage for almost the same price.

Luxury Cruise Plan: If you are planning an expensive, once-in-a-lifetime cruise, then you may definitely want to consider the Luxury Cruise Plan.

Offering the highest level of coverage, the Luxury Cruise Plan increases all of the maximum coverage levels, helping you retain the most peace of mind on your trip.
Like the Choice Cruise Plan, the Luxury Cruise Plan offers a maximum 100 percent trip cancellation benefit for non-refundable trip costs, as well as a maximum 150 percent trip interruption benefit for non-refundable trip costs. The interruption for any reason benefit is increased to $1,000 to cover transportation costs if eligibility requirements are met.
If your trip is delayed by three hours or more from a missed connection, this insurance plan can cover up to $2,500 of costs. If your trip is otherwise delayed, the Luxury Cruise Plan can reimburse up to $1,000 in costs if you are delayed for more than six hours.
Emergency accident and emergency sickness medical expenses are still secondary coverage, but provide a large safety net for cruise travelers. Should you fall ill or have an accident, this plan offers a maximum coverage limit of $150,000. If emergency medical evacuation is required, this plan can cover up to $1 million in costs. The emergency dental expense is also increased to a maximum of $750, but accidental death and dismemberment coverage still maxes out at $25,000.
As with the Choice Cruise Plan, this travel insurance plan offers a $25,000 non-medical evacuation benefit, along with coverage for lost and stolen luggage or delayed baggage. The plan also includes a pre-existing condition waiver if your plan is purchased prior to final trip payment and all eligibility requirements are met.
Using the same itinerary for the Universal Cruise Plan, this high-end plan is priced significantly higher than both lower plans. Compared to the Universal Cruise Plan, prepare to pay nearly 50 percent more for the best benefits offered on a cruise ship by Nationwide.

Nationwide Single-Trip Insurance

Essential Plan : Travelers who are not going to be on a cruise ship but still want a high level of protection may want to consider purchasing a Nationwide Single-Trip insurance plan instead. The Single-Trip Essential plan balances benefits with additional buy-ups in order to build the best protection for your trip.

At the base level, this plans offers a maximum $10,000 benefit for trip cancellation, which will cover pre-paid, non-refundable trip costs if you are forced to cancel for a qualified reason. If your trip is interrupted early, this plan offers a reimbursement benefit of up to 125 percent of insured trip costs, with a maximum of $12,500. Should your trip be delayed for a covered reason by at least six hours, this plan offers a $150 per day trip delay benefit, with a maximum benefit of $600. Luggage delay benefits offer up to $100 of coverage for incidental costs if your luggage gets lost for more than 12 hours.
If your bags are lost or stolen during your trip, the Single-Trip Essential Plan offers up to $600 of travel insurance benefits. Individual articles are limited to $250 maximum, while valuable items are capped at a combined total of $500.
As a basic plan, Nationwide’s Single-Trip Essential Plan also offers coverage for emergency accidents and illness while abroad. The accident and sickness medical expense benefit offers up to $75,000 of secondary coverage, meaning all other collectible insurance must be paid up to its limits before this plan will pay benefits. Emergency dental coverage is capped to $500 and is included in the medical expense coverage, while emergency medical evacuation or repatriation of remains benefits are limited up to $250,000.
Nationwide’s plan is unique in that it extends trip cancellation or trip interruption coverage due to an act of terrorism in an itinerary city. Should you decide to cancel your trip due to an act of terrorism, you may be able to receive benefit payments. If you buy your plan within 10 days of your initial trip deposit, you will also be covered for trip cancellation and interruption due to common carrier financial default and receive the pre-existing condition waiver benefit. Additional coverages you can purchase in this plan includes accidental death and dismemberment, accidental death during a flight, and rental car collision or loss coverage.
When we requested a quote for a 34-year-old traveler going to Germany on a $1,500 trip, Nationwide priced our plan at $45.27, which is a competitive price for travel insurance. Your price will vary based on your age, destination, trip price, travel dates and any additional options you may choose.

Prime Plan : As the premier plan offered by Nationwide for a single trip, the Single-Trip Prime Plan offers the highest coverage levels and the most add-on options.

Prime is the only single trip travel insurance plan to feature a Cancel for Any Reason benefit, along with add-ons for accidental death and dismemberment, flight-only accidental death and dismemberment and rental car collision/loss coverage.
The trip cancellation benefit is increased to $30,000 and is limited to prepaid, non-refundable trip costs. If you decide to purchase additional Cancel for Any Reason coverage within 21 days of your initial trip payment, you can recover up to 75 percent of your non-refundable trip costs. Cancel for Any Reason benefits are not available to those in New Hampshire, New York, or Washington state.
The trip interruption benefit is also increased to up to 200 percent of your non-refundable tour costs, with a maximum of $60,000. If your trip is delayed by at least six hours, you could also qualify for trip delay benefits of up to $250 per day. Trip delay is limited to a maximum benefit of $1,500. This plan also offers a missed connection or itinerary change benefit of up to $500.
If your bags are delayed or lost, the Prime Plan may cover you. The baggage delay benefit can reimburse up to $600 of incidental expenses if you are delayed by 12 hours or more. If your bags are lost or stolen, the baggage and personal effects benefits offers maximum coverage of $2,000, including a $250 per article limit and $500 maximum for valuable items.
As with the Essential Plan, the Nationwide Single-Trip Prime Plan offers emergency accidental and sickness medical expense coverage. In an emergency, this plan offers a maximum secondary benefit of $150,000 if all expenses are covered during your trip. Included in the medical expense coverage is a maximum emergency dental benefit of $750. If you need emergency medical evacuation or your remains must be repatriated, the maximum benefit is $1 million.
By purchasing your plan within 21 days of your initial trip payment, you also qualify for two additional benefits: trip cancellation and trip delay due to financial default and the pre-existing condition waiver benefit. These two benefits can only be accessed through early purchase. If you might add additional costs to your trip later, still purchase your insurance early because you can always add more coverage later.
Because this travel insurance plan offers a lot more coverage, it also comes with a higher price tag. When we priced out our trip, the cost was almost double that of the Essential Plan.

What is excluded from Nationwide Travel Insurance?

All travel insurance plans have key exclusions. Before you file a claim, it’s important to know what situations are excluded from Nationwide plans. Exclusions on these plans include:

War, Invasion, acts of foreign enemies, or civil war: If a war breaks out while in your destination country , don’t count on Nationwide Travel Insurance to pay out benefits. Any acts of war are specifically excluded from your travel insurance plan.
Participation in underwater activities: Although deep sea diving and spelunking may sound tempting, injuries or death resulting from underwater activities are not covered under this plan. But recreational swimming is covered, so don’t be afraid to get in the water.
Piloting an aircraft: Regardless of your status or experience as a pilot, operating an aircraft is not covered by Nationwide Travel Insurance plans. This includes actual piloting, learning to pilot, or acting as an aircraft crew member.
Participation in hazardous activities or bodily contact sports: Much like other travel insurance plans , participating in activities such as rock climbing, hang gliding, rugby, or rodeo are not covered by Nationwide Travel Insurance. Nationwide Travel Insurance does not offer a hazardous activity add-on benefit, so you shouldn’t participate in hazardous activities while covered by these plans.
Accidental injury or sickness when traveling against a doctor’s advice: If a doctor says you shouldn’t travel, it may be in your best interests to follow their advice. Should you get injured or ill, Nationwide Travel Insurance will not cover your treatment costs as a result.
Confinement or treatment in a government hospital: Voluntary or not, receiving care in a government hospital is not covered under your travel insurance plan. But in some situations, the United States Government could seek claim payment for treatment.
Pregnancy and childbirth: As with most travel insurance plans, pregnancy and childbirth is not covered. However, should you experience complications from either, those may be covered by your trip insurance.
Services not shown as covered: Simply put: if it’s not on your travel insurance certificate of coverage, it isn’t covered.

Please note that this is not a comprehensive list of all exclusions. Before filing a claim, be sure to refer to your certificate of coverage to see all exclusions.

How do I file a claim with Nationwide Travel Insurance?

Nationwide Travel Insurance does not allow you to file a claim online, nor do they allow you to access the required claim forms online. Instead, if you need to file a claim, you must first contact Co-ordinated Benefit Plans, LLC, who processes the claims on behalf of Nationwide. The number you will call will depend on which plan you purchased and can be found on the Nationwide website .

When you call, a customer service agent will help determine if your situation may be covered under your plan and will forward claim forms you will need to return. When completing your claim, be sure to submit supporting documentation, including receipts, doctor’s reports, or time-stamped lost luggage claims with your common carrier. A claims adjuster will then determine if your situation qualifies for payment under the policy.

Some situations, like doctor or facility referrals, may be handled through Nationwide’s 24/7 travel assistance partner, On Call international. Contact phone numbers, both toll-free and collect, are available on Nationwide’s website.

Who are Nationwide Travel Insurance products best for?

Hands down, Nationwide offers the best travel insurance products for those embarking on a cruise. Because of their specialized attention to the needs of cruise travelers, their three cruise insurance plans provide an increased level of care that many others can’t provide. If you are planning a cruise and are concerned about the worst that could happen, you should definitely consider Nationwide’s cruise insurance plans ahead of plans offered by the cruise lines.

The single trip plans are comparable to many other plans, but the costs do not necessarily equate to the level of coverage you are receiving. In addition, the medical coverage offered by the plans are secondary, which could be okay if you don’t have any other medical insurance available. Before you decide to purchase a single-trip plan, be sure to weigh all your options: filing an emergency medical claim may require you to exhaust any options available through credit cards or other sources first.

Nationwide Travel Insurance Review — Is It Worth It?

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Nationwide Travel Insurance Review — Is It Worth It?

Why purchase travel insurance, travel insurance and the covid-19 virus, types of policies available with nationwide, how to obtain a quote, how nationwide compares — summary, 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.

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

Single-Trip Plans

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.

Cruise Plans

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.

Annual/Multi-Trip Insurance Policies

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.

Nationwide Travel Insurance search results for comparison

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.

Nationwide Travel Insurance detailed pop up CFAR

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.

Nationwide Travel Insurance trip cost change

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

Nationwide vs. Credit Card Travel Insurance

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, unlike typical credit cards, the Amex Platinum card allows you to carry a balance for certain charges, but not all.

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.

Nationwide vs. Other Travel Insurance Companies

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.

Nationwide Prime comparison on SquareMouth

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 .

Nationwide travel insurance online 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 .

UP's Bonus Valuation

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Nationwide Insurance

Learn about travel insurance plans offered through Nationwide and how they compare.

Offers single-trip coverage, annual plans and coverage for cruises

Robust limits for emergency medical expenses and medical evacuation

Can purchase preexisting medical conditions waiver with some plans

10-day review period available

Cancel for any reason (CFAR) coverage available with some plans

Coverage may be more expensive than competitors

Baggage delay coverage for individual trips requires 12-plus hour delay

What Nationwide Travel Insurance Is Known For

Nationwide Insurance is unique among other top travel insurance providers since the company offers so many other types of insurance. For example, consumers can turn to Nationwide for homeowners insurance, auto coverage and renters insurance in addition to travel insurance protection.

The company's travel insurance offerings stand out for their generous limits for emergency medical expenses, which start at $75,000 for the single-trip Essential Plan. The higher-tier Prime Plan for single trips comes with $150,000 in medical expense coverage that kicks in after your own health insurance limits are exhausted (when it applies). This compares favorably to many other providers that offer coverage for single trips, which often have limits as low as $10,000 for emergency medical expenses.

Nationwide also has annual travel insurance plans , which is a benefit not all travel insurance companies offer. Annual trip insurance plans can provide protection for all trips taken over the span of 365 days, and they include coverage for trip delays, emergency medical expenses, emergency medical evacuation, lost or delayed baggage, and more.

These basic offerings are in addition to Nationwide's cruise-specific travel insurance plans, which offer coverages that are specific to this type of vacation. For example, cruise insurance from Nationwide includes coverage for trip cancellations and interruptions, travel delays, missed connections, itinerary changes, emergency medical expenses and evacuation, baggage and personal effects, and more.

Nationwide Travel Insurance for Individual Trips

Nationwide offers two travel insurance plans to choose from that cover individual trips: the Essential Plan and the Prime Plan. Essential coverage is more basic with lower limits on coverage and no option to add cancel for any reason (CFAR) protection . The Prime Plan offers more included benefits and upgrade options for a higher total cost.

Here's a rundown of all the included benefits you can get with Nationwide travel insurance for individual trips.

Nationwide Travel Insurance for Cruises

Cruise insurance from Nationwide offers a range of important protections that make the most sense for cruise vacations, including specialty coverage for missed connections and itinerary changes. The company offers three tiers of protection that let you choose how much insurance coverage you want to pay for, as shown in the chart below.

Nationwide Travel Insurance for Multiple Trips

Annual travel insurance plans from Nationwide come in three different tiers: Travel Pro, Travel Plus and Travel Pro Deluxe. Note that annual plans from Nationwide are offered without any coverage for trip cancellations and interruptions. Otherwise, available plans let you tailor how much coverage you want for all individual trips you have planned within a single year.

Nationwide Travel Insurance Costs

Travel insurance premiums from Nationwide vary based on the plan chosen, how many travelers are in the plan, the age of travelers, total trip cost and more. To give you an idea of coverage, we received quotes for individual trips in several countries with varying costs.

Nationwide is an accredited business with the Better Business Bureau (BBB), where the company features an A+ rating. However, Nationwide has received an average star rating of 1.16 stars out of 5 across more than 300 user reviews with the BBB so far, and the company has resolved 221 individual customer complaints on the platform in the last three years.

The company has an average star rating of just 1.5 out of 5 stars on Trustpilot, but a 4.6-star rating on InsureMyTrip. Here's an overview of some positive and negative user reviews that show the experiences of past customers.

Nationwide Mutual Insurance Essential

Being older, we prefer to be cautious and have been purchasing trip insurance for our major trips. It gave us peace of mind being able to purchase insurance based on our airfare and lodging expenses. Nationwide provided a good value and reassurance. – Paul T. via InsureMyTrip

Nationwide Mutual Insurance Choice Cruise

I did not need to file a claim for this trip, but I have filed 4 claims with Nationwide travel insurance over the last several years, and all 4 were handled promptly and courteously. We will continue to use Nationwide for our cruise travel insurance. – Anna M. via InsureMyTrip

The initial cost of the plan was okay when I first purchased the insurance, but when I tried to add more coverage for additional expenses prior to the trip (e.g., paid for a rented an apartment in Paris), the price was outrageously high. I didn't get all the coverage that I wanted because it became too expensive. – Jeffrey H. via InsureMyTrip

Terrible claim service

Terrible claim service. I filed a small claim for our cancelled Israel trip. All I get is endless requests for more documents. I've sent them everything you can imagine and just get back the same message, "Please send the official cancellation letter". I've sent all communications including one where the travel company offered a different trip. Nationwide is garbage coverage. Don't waste your money.

Update: Nationwide Consumer Relations got involved and approved my claim. I’m waiting on the check. – Rob via Trustpilot

Asking us to return claim $

Trip planned for Caribbean. 3 days before our trip our island was in the path of a Cat 5 hurricane. Hotel said under a hurricane watch we would be asked to leave property. Search of flight, none would have been available to escape. We would have been stranded with nowhere to go. We elected to not get caught in a Cat 5. Hurricane turned a little so the hotel didn't close down. Nationwide paid our claim. A gutless Nationwide auditor did a claims review 3 months later and they want the full amount returned. Three employees of Nationwide said we had a valid claim. Not the auditor. Buyer beware! Taking them to court. – Brian W. via Trustpilot

Why Trust U.S. News Travel

Holly Johnson is a travel writer who covers topics like travel insurance, family travel, all-inclusive resorts and cruises. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Johnson works alongside her husband, Greg, who sells travel insurance through their travel agency, Travel Blue Book .

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 12:12 p.m. UTC April 16, 2024

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Top-scoring plans

Average cost, medical & evacuation limits per person, what you should know.

Nationwide’s Cruise Choice plan is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Cruise Choice also has a missed connections benefit of $1,500 per person after only a 3-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.

Customer reviews

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
Non-medical evacuation benefit of $25,000 per person.
Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
Baggage loss benefits of $2,500 per person.
Travel medical coverage is secondary.
Trip cancellation benefit for losing your job requires three years of continuous employment.
No “cancel for any reason” upgrade available.

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

1,855 coverage details evaluated.
567 rates reviewed.
5 levels of fact-checking.

About Nationwide travel insurance

Nationwide offers several travel insurance plan options from single-trip to annual coverage to cruise-specific travel. Its Cruise Choice gets 4 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.

Compare the best travel insurance companies of 2024

Via TravelInsurance.com’s website

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024 . For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
Medical evacuation: 10 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 10 points.
Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
“Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
Cancel for work reasons: 5 points. If a travel insurance 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.
Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

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

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.

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World Nomads Travel Insurance Review | 2024

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

World Nomads travel insurance offers financial protection in case of unexpected trip cancellation or medical accident abroad. It offers competitive coverage limits and some plans designed for travelers participating in extreme sports or other adventurous activities.

In this article, we at the MarketWatch Guides team will review coverage options, costs, customer reviews and more for World Nomads. We’ll also compare the provider to our picks for the best travel insurance companies to help you decide on a policy that fits your needs.

Average Cost: $153
BBB Rating: F
AM Best Score: A-
Medical Expense Max: $100,000
Emergency Evacuation Max: $500,000

Our Take on World Nomads

We awarded World Nomads 3.9 out of 5 stars overall based on our provider review methodology, naming it our pick for adventure travelers. It has the lowest average cost of the 21 providers we gathered quotes from while providing high coverage limits for baggage and travel delays.

However, World Nomads does not offer cancel for any reason (CFAR) coverage like most other companies we’ve reviewed, which allows you to cancel your trip for reasons other than those listed in your policy. It also holds an F rating from the Better Business Bureau (BBB), which resulted in a lower score in the customer service and reviews section of our methodology. We reached out to the company for a comment on its rating but did not receive a response.

Pros and Cons

Access to both comprehensive trip protection and travel medical insurance

Good coverage for interruptions (up to 200%) and delays (up to $2,000)

Low maximums and daily coverage limits on delays and cancellations on budget plans

Medical plans may have a high deductible

How World Nomads Scored in Our Methodology

Based on our travel insurance methodology, World Nomads scored 3.9 out of 5 stars in our review. It earned maximum points for coverage details and delay coverage amount in our review, but lost points in every other ratings category.

Rating is based off of MarketWatch Methodology Guidelines

World Nomads Travel Insurance Overview

World Nomads is a modern travel insurance provider that has been operating since 2002 and specializes in offering travel insurance policies for a range of vacations and excursions. It also offers travel safety advice and destination guides, and it promotes responsible travel practices.

We rate World Nomads as a good travel insurance company for adventurous travelers in particular. The company’s delay, cancellation and interruption coverage limits are highly competitive, and its travel insurance plans are designed for the vacationer who enjoys an adventurous trip that involves any kind of extreme sport.

Compare World Nomads to the Competition

See the table below for a direct comparison of average plan costs, BBB ratings, CFAR coverage limits and COVID-19 coverage between World Nomads and its competitors.

World Nomads vs Allianz

World Nomads and Allianz Global Assistance both do not offer CFAR coverage, which may be a dealbreaker for travelers foreseeing a change of travel plans.

We found the main differences between World Nomads and Allianz based on our review of customer service and cost. At $265, the average cost of a travel insurance policy with Allianz is over 64% more than the average cost of a World Nomads policy.

Even so, some travelers may feel Allianz’s A+ rating and accreditation with the BBB offsets the high costs associated with its plans. Allianz also offers a mobile app and more than three ways to file a claim, which World Nomads lacks.

See the table below for a direct comparison between popular plans offered by World Nomads and Allianz.

Learn more about Allianz by reading our Allianz travel insurance review .

World Nomads vs Seven Corners

World Nomads and Seven Corners share few similarities. According to quotes gathered by our team, Seven Corners is, on average, 34% more expensive than the average World Nomads plan. World Nomads also offers more coverage for lost luggage, trip and baggage delays.

However, Seven Corners’ most comprehensive plan provides markedly better medical coverage than the World Nomads equivalent. It also offers double the amount World Nomads provides for emergency evacuation and repatriation of remains and five times the amount for medical expenses. Both insurance companies also offer two ways to file a claim.

The table below highlights key differences between popular plans offered by World Nomads and Seven Corners.

Take a closer look at Seven Corners in our review .

What Does World Nomads Travel Insurance Cover?

World Nomads offers two insurance plans: Standard and Explorer. You can customize either plan to cover specific activities for your vacation, and each policy includes coverage for medical expenses , emergency assistance and personal effects.

The Standard Plan from World Nomads includes:

$2,500 for trip cancellation or interruption
$500 a day for trip or travel delays
$750 for baggage delay
$1,000 in baggage and personal effects coverage
$100,000 for medical accidents and sickness
$300,000 for emergency medical evacuation
$25,000 non-medical emergency transportation, such as a natural disaster
$5,000 for death and dismemberment on a trip

What sets World Nomads travel insurance apart from other insurers is the large number of adventure sports and activities that its basic coverage includes. In the Standard Plan, activities and extreme sports like bungee jumping, indoor skydiving, biking trips, resort skiing and windsurfing are all covered. More dangerous activities like scuba diving, hot-air ballooning and alpine ski touring are covered in the Explorer Plan.

Optional Riders

A rider is the official insurance term for “add-on.” You can buy one or more riders to attach to the travel insurance policy that you like, creating a personalized plan for your trip.

But World Nomads offers almost no add-ons. That’s because either of the two plans it sells already provides coverage for things that other insurers don’t as part of their base policies. The only extra coverage option you have is a rental car damage rider, and it is only offered with the more comprehensive Explorer plan.

However, you can extend your coverage during a trip, a benefit most travel insurance companies don’t have.

Policies Offered

Here’s a breakdown of the basic coverage options for the World Nomads Explorer Plan and Standard Plan.

Cost of World Nomads Travel Insurance

According to our research, the average travel insurance plan with World Nomads costs $153. However, a solo traveler policy is much lower at $74 for the Standard plan and $116 for the Explorer plan.

When you buy travel insurance, the cost of the plan depends on a variety of factors, including whether you want coverage for dangerous locations or activities. Things like the age and health conditions of the people on the trip affect the price, especially if someone has pre-existing medical conditions.

World Nomads is known for having cost-effective travel insurance coverage , especially given the number of sports and activities covered in its two plans.

Use the chart below to compare World Nomads' average cost to competitors:

Read More: Travel Insurance For Parents Visiting The United States

Does World Nomads Offer 24/7 Travel Assistance?

World Nomads offers clients 24/7 travel assistance when they purchase any insurance plan. Provided by Generali Global Assistance 365 days a year, it gives customers access to professional help and advice for any emergency while they’re on vacation.

The toll-free number for this service is +1-877-289-0968, which can be accessed from the U.S. and Canada. The collect worldwide number is +1-954-334-8143.

You can also contact the service by emailing [email protected].

World Nomads Customer Reviews

Customer reviews and ratings can help indicate the level of service a travel insurance company offers its policyholders. At the time of this writing, World Nomads held a 1 out of 5 star rating with the BBB and a 3.3 out of 5 stars rating on Trustpilot.

To learn what customers like and dislike about World Nomads, we read dozens of customer reviews on the BBB and Trustpilot from recent months. Here are some common themes we found in our search:

What Customers Like

Reasonably priced: Recent policyholders comment on receiving comprehensive coverage at a competitive price.
Easy-to-navigate website: Users, including this reviewer , compliment how easy it is to navigate the World Nomads’ webpage and get a quote.
Clear policy details: Reviewers note that World Nomads explained their purchased policies in great detail, making coverage easy to understand.

What Customers Don’t Like

Slow claims process: This reviewer , amongst others, stated that they’ve spent months trying to resolve a claim with World Nomads.
Excessive documentation requests: Many customers, such as this one , complain about the documentation World Nomad asks for during the claims process, stating that it’s more of an ask than with other travel insurers.
Legitimate claims denied: Policyholders like this one felt their claims were denied when World Nomads should have provided coverage according to their contract.

We reached out to World Nomads for comment on its negative customer reviews but did not receive a response.

How To File a Claim with World Nomads

You can file a claim with World Nomads online on the World Nomads website . To complete the claim process, you need your policy number and copies of any relevant documents for things like a police report, medical insurance, credit card bills and emergency medical or dental records. The company promises to send you regular email updates about the progress of your trip insurance claim.

Is World Nomads Worth It?

Coverage from World Nomads may be worth it if you’re an adventurer looking for travel insurance on a budget. Policies cover a wide range of extreme sports and outdoor activities that other providers exclude. It also offers high coverage limits for baggage and travel delays.

However, World Nomads does not offer CFAR coverage, which is typically available through most other insurance providers. It also has lower-than-average customer review ratings and an F rating with the BBB. While our analysis of customer reviews suggests issues with claims processing and the company’s overall customer service, your individual experience may vary. We encourage you to consider what’s important to you in a travel insurance company before settling on a provider.

Frequently Asked Questions

Does world nomads cover canceled flights.

World Nomads Standard and Explorer plans both cover some instances where flights are delayed, missed or canceled. However, exclusions will apply depending on the situation, and the amount of compensation you receive will depend on whether an alternative flight was offered, the impact on the rest of your trip and the reason for the cancellation.

Can I extend my World Nomads travel insurance?

Yes, you can extend a World Nomads travel insurance policy while in the middle of your vacation. This comes in handy if you want to stay somewhere for longer than planned. All you have to do is buy a new policy from the date your old one ends.

Is World Nomads refundable?

Yes, you can get a full refund on your World Nomads travel insurance policy if you cancel it within 14 days of purchase. This is only valid if you haven’t already started your insured trip and you’re not making a claim.

What are the levels of World Nomads?

World Nomads offers two travel insurance plans: Standard and Explorer. The Standard Plan has lower coverage limits for things like medical treatment, baggage delay and trip interruption, but it covers many sports and activities. The Explorer Plan has higher limits and covers an extensive range of extreme or dangerous vacation activities.

Other Insurance Resources From MarketWatch Guides

Read our comprehensive guides on the following insurance categories to find top providers and peace of mind that you have all aspects of life covered.

Leading Pet Insurance Companies
Top Travel Insurance Companies
Best Homeowners Insurance Providers
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Affordable Renters Insurance Providers
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Methodology: Our System for Rating Travel Insurance Companies

A 30-year-old couple taking a $5,000 vacation to Mexico.
A family of four taking an $8,000 vacation to Mexico.
A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
A 30-year-old couple taking a $7,000 trip to the United Kingdom.
A 19-year-old taking a $2,000 trip to France.
A 27-year-old couple taking a $1,200 trip to Greece.
A 51-year-old couple taking a $2,000 trip to Spain.
Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page. The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

40 Facts About Tolyatti

Written by Elfreda Solberg

Modified & Updated: 25 Jun 2024

Reviewed by Sherman Smith

Automotive Industry Facts
Russian Federation Facts
Soviet Union Facts
Volga River Facts

Tolyatti, situated on the banks of the beautiful Volga River, is a city that holds a plethora of fascinating facts and captivating stories. Located in the Samara Oblast of Russia, Tolyatti is not only known for its picturesque landscapes but also for its rich history and vibrant culture. As one of the largest cities in the country, Tolyatti has a population of over 700,000 people, making it a bustling hub of activity and a significant industrial center.

From being home to one of the largest automobile plants in Russia to having a diverse range of cultural attractions, Tolyatti offers a unique blend of modernity and tradition. In this article, we will delve into 40 intriguing facts about Tolyatti, uncovering the hidden gems that make this city truly special. So, fasten your seatbelts and get ready to embark on a journey to discover the enchanting secrets of Tolyatti!

Key Takeaways:

Tolyatti, the “automobile capital” of Russia, is a vibrant city with a rich cultural heritage, strong sports tradition, and a thriving automotive industry. It offers a diverse culinary scene, beautiful nature, and a welcoming community.
With a population exceeding 700,000, Tolyatti is known for its strong focus on innovation, vibrant music and nightlife scenes, and a low crime rate. The city embraces technology, supports entrepreneurship, and has a growing film industry.

Tolyatti is the largest city in the Samara Oblast.

Tolyatti is a vibrant city located in the Samara Oblast of Russia. Covering an area of approximately 314 square kilometers, it is known as the “automobile capital” of Russia.

The city was founded in 1737 as a fortress.

Tolyatti was originally established as a fortress by the Russian Empire in 1737 to protect their territory from nomadic tribes.

The city was renamed Tolyatti in 1964.

Prior to 1964, Tolyatti was known as Stavropol-on-Volga. The city was renamed in honor of the Italian communist leader , Palmiro Togliatti.

Tolyatti is home to the largest car manufacturing plant in Russia.

The AvtoVAZ car factory, known for producing the iconic Lada vehicles, is located in Tolyatti. It is one of the city’s major economic contributors.

The Volga River flows through Tolyatti.

Tolyatti is situated on the banks of the Volga River , the longest river in Europe. The picturesque river adds to the natural beauty of the city .

Tolyatti has a population of over 700,000 people.

With a population exceeding 700,000 residents, Tolyatti is a bustling city with a diverse and vibrant community.

Tolyatti experiences a humid continental climate.

The city has distinct seasons, with cold winters and warm summers. The average temperature in January, the coldest month, is around -10 degrees Celsius, while in July, the warmest month, it can reach up to 25 degrees Celsius.

Tolyatti is known for its thriving automotive industry.

As the “automobile capital” of Russia, Tolyatti plays a significant role in the country’s automotive industry. It is home to various car manufacturing and engineering companies.

The city has a rich sports culture.

Tolyatti has a strong sports tradition, with ice hockey, football, and volleyball being popular among its residents. The city has professional teams competing at national and international levels.

Tolyatti is a major tourist destination in Russia.

With its beautiful landscapes, historical sites, and cultural attractions, Tolyatti attracts visitors from all over the world. Its proximity to the Volga River offers opportunities for water activities as well.

Tolyatti has several parks and green spaces.

The city is known for its abundance of parks and green spaces, providing residents and visitors with recreational areas for relaxation and outdoor activities.

The city has a well-developed transportation system.

Tolyatti has an extensive network of roads, buses, and taxis, making it convenient for residents and tourists to navigate throughout the city.

Tolyatti has a rich cultural heritage.

The city has numerous museums, theaters, and art galleries, showcasing its cultural diversity and history.

Tolyatti is home to the Zhiguli Museum of Automobile History.

The Zhiguli Museum offers a fascinating glimpse into the history of automobile manufacturing in Tolyatti and the development of the iconic Lada brand.

Tolyatti hosts the International Film Festival Kinoshock.

Each year, Tolyatti plays host to the Kinoshock International Film Festival, attracting filmmakers and cinema enthusiasts from around the world.

The city has a thriving nightlife scene.

Tolyatti boasts a variety of clubs, bars, and restaurants, offering entertainment options for locals and tourists to enjoy.

Tolyatti is known for its contemporary architecture.

The city showcases modern architectural designs, with several striking buildings and structures that add to its skyline.

Tolyatti has a strong educational system.

The city is home to numerous educational institutions, including universities, colleges, and schools, providing quality education to its residents.

Tolyatti has a diverse culinary scene.

The city offers a wide range of culinary delights, including traditional Russian dishes, international cuisine, and local specialties.

Tolyatti is a city of festivals.

Throughout the year, Tolyatti hosts various cultural, music, and sports festivals , adding to its vibrant atmosphere.

Tolyatti is known for its automotive-themed events.

The city organizes auto shows, rallies, and motor racing events, attracting enthusiasts and showcasing the latest advancements in the automotive industry.

Tolyatti has numerous shopping centers and markets.

Shopaholics can indulge in retail therapy at the city’s malls, boutiques, and traditional markets, offering a wide selection of products.

Tolyatti is surrounded by beautiful nature.

The city is blessed with picturesque landscapes, including forests, lakes, and nature reserves, providing opportunities for outdoor adventures.

Tolyatti has a strong sense of community.

The residents of Tolyatti are known for their warmth and hospitality, creating a close-knit and welcoming community.

Tolyatti is a hub for innovation and technology.

The city fosters technological advancements and innovation, attracting businesses and entrepreneurs in various sectors.

Tolyatti is home to the Tolyatti State University.

The Tolyatti State University offers a wide range of academic programs and research opportunities to students.

Tolyatti has a strong industrial base.

Aside from the automobile industry, the city is known for its production of machinery, chemicals, and other industrial products.

Tolyatti has a well-established healthcare system.

The city provides quality healthcare services, with modern hospitals, clinics, and medical facilities catering to the needs of its residents.

Tolyatti has a low crime rate.

The city has implemented effective measures to ensure the safety and security of its residents, resulting in a relatively low crime rate.

Tolyatti has a vibrant music scene.

The city hosts numerous music festivals, concerts, and performances, showcasing both local talent and renowned artists.

Tolyatti is known for its vibrant street art.

The city is adorned with colorful murals and graffiti, adding character and creativity to its streets.

Tolyatti is a major center for water sports.

With its proximity to the Volga River and surrounding lakes, Tolyatti offers opportunities for boating, fishing, and other water-based activities.

Tolyatti has a strong environmental focus.

The city is committed to sustainability and ecological preservation, implementing initiatives to protect its natural surroundings.

Tolyatti is well-connected to other major cities.

The city has excellent transportation links, including rail connections and an international airport, facilitating travel to and from Tolyatti.

Tolyatti is a center for engineering and technical expertise.

The city has a strong focus on engineering and technical education, producing skilled professionals in various fields.

Tolyatti is known for its annual motor show.

The city hosts an annual motor show, showcasing the latest advancements in automotive technology and attracting car enthusiasts from far and wide.

Tolyatti has a strong cultural identity.

With its rich history and diverse population, Tolyatti has developed a unique cultural identity that is celebrated throughout the city.

Tolyatti has a growing film industry.

The city has been the backdrop for various film productions, and its thriving film industry continues to grow in popularity.

Tolyatti is a city of innovation and entrepreneurship.

The city supports and encourages startups and entrepreneurial ventures, creating a dynamic business environment.

Tolyatti is a city that embraces technology.

With a strong focus on innovation, Tolyatti utilizes technology in various sectors, enhancing the quality of life for its residents.

In conclusion, Tolyatti is a fascinating city with a rich history and a vibrant culture. From its origins as a planned industrial city to its modern developments and attractions, Tolyatti offers a unique blend of tradition and progress. With its picturesque location on the Volga River and its numerous landmarks and points of interest, Tolyatti is a destination worth exploring.Whether you’re interested in automotive history, nature, or simply experiencing the local lifestyle, Tolyatti has something for everyone. Make sure to visit the AvtoVAZ museum to learn about the city’s automotive heritage and the Tolyatti Embankment for stunning views of the Volga River.With its friendly locals, delicious cuisine, and diverse range of activities, Tolyatti promises an unforgettable experience. So, pack your bags and get ready to discover the wonders of this hidden gem in Russia. Tolyatti awaits!

1. What is the population of Tolyatti?

Tolyatti has a population of approximately 700,000 people.

2. How do I travel to Tolyatti?

Tolyatti is well-connected by air, rail, and road. The city has its own international airport, and there are regular train and bus services from major Russian cities.

3. Are there any famous landmarks in Tolyatti?

Yes, Tolyatti is home to several iconic landmarks such as the AvtoVAZ museum, the Tolyatti Embankment, and the Kuibyshev Square.

4. What is the climate like in Tolyatti?

Tolyatti has a temperate continental climate with hot summers and cold winters. The best time to visit is during the spring or autumn when the weather is pleasant.

5. What industries are prominent in Tolyatti?

Tolyatti is known for its automotive industry, with AvtoVAZ being the largest car manufacturer in Russia. The city also has a growing technology sector.

6. Are there any natural attractions near Tolyatti?

Yes, Tolyatti is surrounded by beautiful natural landscapes. Visitors can explore the Zhigulevsky National Park, which offers hiking trails, scenic viewpoints, and diverse flora and fauna.

7. What are some popular local dishes in Tolyatti?

Tolyatti is known for its delicious cuisine. Some popular local dishes include pelmeni (meat dumplings), borsch ( beetroot soup), and syrniki (cheese pancakes).

Tolyatti's location along the mighty Volga River has shaped its history and culture. As Russia's automotive capital, Tolyatti is home to cutting-edge manufacturing plants that drive the nation's economy. Visitors can explore the city's fascinating museums, vibrant festivals, and stunning natural surroundings, making Tolyatti a must-see destination for anyone interested in discovering the heart of Russia. For more captivating facts about the region, dive into the mysteries of the Volga River , uncover the secrets behind Chrysler's success , and embark on a journey through the enchanting city of Orenburg .

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The city provides quality healthcare services, with modern hospitals, clinics, and medical facilities catering to the needs of its residents. Tolyatti has a low crime rate. The city has implemented effective measures to ensure the safety and security of its residents, resulting in a relatively low crime rate. Tolyatti has a vibrant music scene.
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