For Nationwide Members Only

FAQ's 1

Ah, summer.
Nationwide Annual Travel Insurance is SPF for your vacation plans.

Don’t let the weather, a cancelled flight or other glitch ruin your summer vacation.

Nationwide Annual Travel insurance can help you recover non-refundable trip costs (up to policy benefit limits).

$99 for a full year
As a Nationwide member, you’re eligible for a full year of coverage starting at just $99.

The policy reimburses covered expenses if your leisure trips are interrupted, delayed or cancelled due to illness, injury, weather and other covered conditions. It also helps with:

  • Medical expenses
  • Emergency medical evacuation
  • Lost or delayed luggage

Annual Travel Insurance for Members Frequently Asked Questions

General Questions

Q. Can I purchase the Nationwide Annual Travel Insurance Plan if I do not already have another Nationwide product?

A. To receive this product for Nationwide members, you must have already purchased another Nationwide® product (Auto, Home, Life, Bank, etc.) prior to purchasing a policy.

Q. What if I already booked my trip and now I want to purchase insurance coverage?

A: All trips booked prior to the effective date of insurance coverage will be covered provided 1) the trips are no more than 12 months from receipt of the initial booking confirmation; 2) you have not already departed on your trip; and 3) coverage is not purchased on the day of departure. If the policy is purchased on the day of departure, coverage will become effective the day after the scheduled departure date.

Q. Is business travel covered under the Nationwide Annual Travel Insurance Plan?

A. No, the policy provides insurance for covered losses relating to leisure travel.

Q. How do I determine the total cost of the trips that I want to insure?

A. To determine the insurable cost of your trips, add together the estimated cost of your pre-paid and nonrefundable travel expenses for the trips you will take throughout the year. Choose the highest Annual Aggregate Limit which fully covers that amount.

Q. What is an aggregate limit?

A. An aggregate limit is a total limit for all travelers for the entire year. The Trip Cancellation limit, which includes Trip Interruption, is displayed this way as a combined single aggregate limit for all travelers. For example, if you select a Trip Cancellation limit of $1,000, the insurance company will reimburse your prepaid non-refundable trip costs, up to $1,000 total, for all travelers on all trips taken within the year if you have to cancel or interrupt a trip for a covered reason. The highest aggregate limit option is $10,000. Only one plan per insured per term is allowed. Purchasing more than one plan in order to obtain more than $10,000 for trip cancellation/trip interruption is not allowed.

Q. Who is allowed to be listed together on the same policy?

A. The Nationwide Annual Travel Plan is available to You, Your Spouse and Your Dependent Children. Your Spouse/Domestic Partner and Dependent Children must be traveling with you to be covered. Please read your specific Certificate of Coverage prior to purchase as the definition of “Spouse/Domestic Partner” and “Dependent Child(ren)” differ depending on what state you live in.

Q. What is the definition of a Pre-Existing Medical Condition?

A. Pre-Existing Condition means an illness, disease, or other condition during the ninety (90) day period immediately prior to the Effective Date for which You or a Traveling Companion booked to travel with You, Your and/or a Traveling Companion’s Family Member: 1) exhibited symptoms that would have caused one to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the ninety (90) day period before the Effective Date. Taking maintenance medications for a condition that is considered stable, as determined by the treating Physician, shall not be cause for Exclusion.
This is a general definition. The wording and/or the number of days may change based on what state you live in.
Please read the full Certificate of Insurance prior to purchase.

Q. What is the Pre-Existing Condition period?

A. This is the number of days that the insurance company will “look back” from the effective date of the policy, to see if your claim is related to a Pre-Existing Medical Condition. For the Nationwide Annual Plan, the Pre-Existing Condition Period is 90 days.

Q. How can members view the Certificate of Insurance before they purchase?

A. When viewing your quote, click on the “Full Details” link in the “Plan Terms” grid row to view the entire Certificate of Insurance.

Q. How do members get their policy?

A. Once the purchase is completed online, we will email members a confirmation detailing the benefits purchased. This email confirmation will also contain a link to a copy of their policy.

Q. When will purchased coverage become effective?

A. Coverage becomes effective at 12:01 AM the day after the policy is purchased. See the policy details for more information.

Q. Will the Nationwide Annual Plan cover the need to cancel or interrupt a trip due to the death of a close family member – not one who is traveling on the particular trip?

A. Yes, the Nationwide Annual plan provides coverage for Trip Cancellation/Trip Interruption due to a nontraveling family member’s unforeseen death or sickness requiring you to stay home or return home earlier than expected. Please review the definition of “family member” in the policy.

Q. Will the Nationwide Annual Plan protect members if their trip needs to be cancelled because of terrorist activity?

A. The Nationwide Annual plan offers Trip Cancellation and Trip Interruption coverage for a “Terrorist Incident” that occurs in a city on the planned itinerary during the course of travel. The policy does not offer coverage for the threat of a “Terrorist Incident” or for any war-related activity. See policy for further details.

Q. What is Terrorism Coverage?

A. The Nationwide Annual Plan provides the following coverage if you have to cancel or interrupt your trip due to Terrorism: A Terrorist Incident that occurs in a city listed on Your Trip itinerary and within thirty (30) days prior to
Your Scheduled Departure Date. This same city must not have experienced a Terrorist Incident within the ninety (90) days prior to the Terrorist Incident that is causing the cancellation of Your Trip. Benefits are not provided if the Travel Supplier offers a substitute itinerary. This does not include flight connections or other transportation arrangements to reach your destination. A Terrorist Incident that occurs onboard an in-flight aircraft is not covered. This is a general definition. Please read your specific Certificate of Coverage prior to purchase.

Q. What is Financial Default coverage?

A. The Nationwide Annual Plan provides the following coverage for Financial Default: Bankruptcy and/or Default of Your Travel Supplier that occurs more than ten (10) days following Your Effective Date. Coverage is not provided for the Bankruptcy or Default of the agency from whom You purchased Your Land/Sea Arrangements. If alternate transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination.
This is a general definition. Please read your specific Certificate of Insurance prior to purchase.

Q. Would a loss due to the Financial Default of a travel agent or tour operator be covered by the Nationwide Annual Plan?

A. Financial Default of a travel agency would not be covered; a tour operator would be covered as long as the arrangements were made through a third party and not directly through the tour operator. In the rare occurrence that the Travel Agent did not fulfill the requested service, the best way to recover your loss would be through the credit card company. You may also file a complaint with your State Consumer Protection Agency.

Post Sale Questions

Q. A member would like to make a change to a policy after the sale. What should they do?

A. You can send an email to if you need to make a correction to your policy. Please include your order number on all email correspondence. If you prefer, you can call us with your corrections at our toll free number 877-970-9059. Please note, the policy options that have been selected at the time of purchase can only be changed during the review period listed on the policy. If the policy for the state that you live in offers a review period (usually 10 – 14 days depending on the state you live in), you can change the coverage amount selected. Please review your quoted/purchased plan to see if there is a review period available. If you live in a state that does not offer a review period, or if you are outside of the review period, the policy cannot be changed or cancelled for a refund. If cancelled, the charge for the original policy purchase may take several business days to be refunded (minus the $7 non-refundable processing fee that was included in the original premium).