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Annual Travel Insurance FAQs

This page answers frequently asked questions (FAQs) about purchasing travel insurance. If your question isn't listed below, please contact us.

General Questions

You can send an email to customercare@travel.nationwide.com 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. Please note, 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).

The Nationwide Annual Travel Pro Plan offers coverage for post departure benefits for events that occur after you leave on your trip such as trip delay, emergency medical needs and lost luggage.

The Nationwide Annual Travel Plus Plan provides post departure coverage as well as trip cancellation and trip interruption coverage if you have to cancel or interrupt your trip due to a covered illness or injury, weather, or other covered conditions.

The Nationwide Annual Travel Plans provide coverage for the Insured, Domestic Partner (Spouse), and Dependent Children while traveling with the Insured. These definitions can be found in the Full Details of the plan. A separate plan must be purchased for all others who do not meet the eligibility requirements.

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 plan document prior to purchase.

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.

When viewing your quote, click on the ""Full Details"" link in the ""Plan Terms"" grid row to view the entire plan document.

To determine the insurable cost of the trip, add together the cost of all of your prepaid and non-refundable travel expenses. For the optional Trip Cancellation/Interruption upgrade, you should estimate the cost of all trips that will be taken throughout the year and choose the highest Annual Aggregate Limit which fully covers that amount.

Once you have completed the purchase online, we will email you a confirmation detailing your benefits. This email confirmation will also contain a link to a copy of your plan document.

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 $2,500, the insurance company will reimburse your prepaid non-refundable trip costs, up to $2,500 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/ interruption is not allowed.

No. Purchase of more than one policy per annual term per Nationwide Insured is not allowed.

Yes, the Nationwide Annual Travel Plus Plan provides coverage for Trip Cancellation/ Interruption due to a non-traveling family member's unforeseen death or sickness (not related to a Pre-Existing Condition) requiring you to stay home or return home earlier than expected. Please review the definition of "family member" in the plan document.

Yes, the Nationwide Annual Plan can be used by people making their own travel arrangements.

Coverage becomes effective at 12:01AM the day after you purchase the policy. See the policy details for more information.

The Nationwide Annual Travel Plus 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 plan document prior to purchase.

The Nationwide Annual Travel Plus Plan provides coverage for a "Terrorist Incident" that occurs in an itinerary city 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 plan document for further details.

If you purchase the Nationwide Annual Travel Plus Plan, you can insure out of pocket expenses that you paid to purchase the ticket using frequent flyer miles, such as Government fees and taxes.

Under Trip Cancellation, The Company will reimburse you for the following: b) If Your Travel Supplier cancels Your Trip, You are covered up to $100.00 for the reissue fee charged by the airline for the tickets or up to $200.00 for the cost charged by the airline to retain Your frequent flyer miles if not used to purchase the airline ticket in conjunction with this Trip.

This is a general coverage statement. Please review the full plan document for the state that you reside in prior to purchase.

If you purchase the Nationwide Annual Travel Plus Plan, coverage is provided for reimbursement of a villa, condo or other rental property as long as there is a written agreement/contract between the insured and the renter. Reimbursement of your prepaid and non-refundable cost will be made if the trip cancellation or interruption was caused by a peril named in the policy.

If you purchase the Nationwide Annual Travel Plus Plan, coverage is provided for the following Financial Default coverage: 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 plan document prior to purchase.

A travel agent is someone who books flights, cruises and tours. A tour operator is a company which specializes in the planning and operation of pre-planned vacations, which are usually sold to the public through travel agents.

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 plan document prior to purchase as the definition of "Spouse/Domestic Partner" and "Dependent Child(ren)" differ depending on what state you live in.

Trips must be taken no more than 12 months from the receipt of the initial booking confirmation to be covered.

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.

No, the Plan only covers trips that are 30 days or less in length. There is no coverage for trips that are over 30 days long.

Post Sales Questions

The first step when filing a claim for your Annual Plan is to call the CBP Claims Department at 866-281-1017. A representative will send you the correct claim form and advise you of any supporting documentation that must be submitted with the claim. The type of claim being filed e.g. trip delay, trip cancellation, baggage delay, will determine the additional information needed. All documentation requirements are listed on the applicable claim form. Claims can be submitted via the US mail, fax, or through email.

Mailing Address: Coordinated Benefit Plans, P.O. Box 26222, Tampa, FL 33623.

Fax number: 800-560-6340

Email: NWTravClaims@cbpinsure.com

If submitting the claim via the email, you will receive a confirmation email that the claim was received. Regardless of the manner of claim submission, please allow 15 business days for review of your claim. If additional information is needed, you will be contacted by a CBP claim examiner.

If you do not receive an email confirmation, please check any spam or junk mail folder for the email. If it is not in one of those folders, you can contact our Customer Service Department at 877-970-9059 or send an email to customercare@travel.nationwide.com and we will resend the email which contains a link to the policy.

All cancellation requests must be made in writing. An email can be sent to customercare@travel.nationwide.com to request cancellation. Please see the review period for your policy as some states do not allow refunds after purchase. Please see quoted plan for details.

For Cruise Plans, if you are within the allowed time frame to cancel, and have not departed on your trip or submitted any claims, you will be refunded the total plan cost.

For Single Trip Plans, if you are within the allowed time frame to cancel, and have not departed on your trip or submitted any claims, you will be refunded the total cost minus a $6 non-refundable processing fee on the Essential plan, and an $8 non-refundable processing fee on the Prime plan.

For Annual Plans, you must be within the 10 – 14 day (depending on the state you live in) review period to be able to cancel your policy. If you are eligible for a premium refund, you will be refunded the total cost minus the $7 non-refundable processing fee. Refunds can take several business days to process.

All cancellation requests must be made in writing. An email can be sent to customercare@travel.nationwide.com to request cancellation. Please see the review period for your policy as some states do not allow refunds after purchase.

For Cruise Plans, if you are within the allowed time frame to cancel, and have not departed on your trip or submitted any claims, you will be refunded the total plan cost.

For Single Trip Plans, if you are within the allowed time frame to cancel, and have not departed on your trip or submitted any claims, you will be refunded the total cost minus a $6 non-refundable processing fee on the Essential plan, and an $8 non-refundable processing fee on the Prime plan.

For Annual Plans, you must be within the 10 – 14 day (depending on the state you live in) review period to be able to cancel your policy. If you are eligible for a premium refund, you will be refunded the total cost minus the $7 non-refundable processing fee. Refunds can take several business days to process. Some states do not offer a premium refund after purchase. Please see quoted plan for details.

This notes that the coverage will be secondary to any primary coverage you may have.

Site Use Questions

Yes, the quoted premium is the final cost for all travelers entered. The benefits displayed on the quote are per-person limits.

Yes, you can view all coverage details by clicking the underlined terms on your quoted plan. To review the full policy, click the "Full Details" link.

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