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Single Trip Travel Insurance FAQs

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

General Questions

Travel Insurance covers unforeseen issues that may occur before or during your trip. It can protect you from losing your monetary investment if you have to cancel your trip within the penalty period where travel suppliers and tour operators keep your non-refundable deposits. It also provides coverage for other problems that you may face during your trip, such as lost, stolen, or damaged baggage, reimbursement of medical expenses and expenses incurred to evacuate you back to your home.

You can purchase Travel Insurance as a safety net to help protect yourself in case unexpected events negatively impact your travel plans. It works quite similarly to other insurance policies in the following ways:

  • We recommend that you purchase your plan soon after making your initial trip payment to be eligible for the most coverage, but you must purchase travel insurance before anything actually happens to disrupt your trip.
  • To understand exactly what the policy will cover and what it won’t, you must read your chosen policy carefully before buying it.

  • If there is a problem and you need to file a claim, you’ll have to provide documentation of your issue, such as receipts or police reports.

  • Like most other forms of insurance, Travel Insurance works on a reimbursement basis. That means you’ll have to pay your own costs up front, then be reimbursed by the company once they’ve approved your claim.

Besides providing coverage for trip cancellation and interruption, these plans include reimbursement due to trip delays, emergency medical expenses, baggage, emergency medical evacuations, accidental death and dismemberment, along with other assistance services and benefits.

A Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which the insured, Traveling Companion, Family member booked to travel with the insured: 1) exhibited symptoms which would have caused one to seek care or treatment; or 2) 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 which is treated or controlled without any adjustment or change in the required prescription through the 60 day period before the Effective Date.

The Pre-Existing Conditions exclusion may be waived. Please read the full Certificate of Insurance prior to purchase for a complete definition of when the waiver applies.

The Pre-existing condition period is the number of days that the insurance company will “look back” from the day the insurance was purchased, to see if your claim is related to a Pre-existing medical condition. Both the Essential and Prime plans have a 60 day Pre-existing condition period.

The Nationwide Prime plan offers coverage for pre-existing conditions as long as you purchase the plan within 21 days of making your initial trip deposit and insure the full cost of your trip. The pre-existing condition waiver is available with the Nationwide Essential plan provided you purchase the plan within 10 days after making your initial trip deposit and insure the full cost of your trip.

You can insure the out of pocket expenses, such as Government fees and taxes that you paid to purchase the ticket using frequent flyer miles.

The Prime plan offers coverage stating that if the Travel Supplier cancels Your Covered Trip, You are covered up to $100.00 for the reissue fee charged by the airline for the tickets or up to $200 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 Covered Trip. You must have covered the entire cost of the Covered Trip including the airfare (this coverage is not available to residents of New Hampshire or Washington state).

To figure the insurable cost of your trip, add together the cost of all your prepaid non-refundable travel expenses.

Once your purchase has been completed online, we will email you a confirmation detailing your benefits. This email confirmation will contain a link to a copy of your policy.

Yes, these plans provide coverage for Trip Cancellation and Trip Interruption due to a non-traveling family member’s unforeseen death or illness that requires you to stay home or return home earlier than expected. Please see the definition of “family member” within your plan as it may differ depending on which state you live in, but most include parents, grandparents, children, grandchildren, siblings, aunts, uncles and spouses under their definition.

Yes, our plans cover your prepaid and non-refundable expenses for travel arrangements that you make on your own.

These plans are available for purchase until the day before departure. However, we recommend that you purchase right after making the first payment toward any part of your trip so that you are eligible for the most benefits. If you wait to purchase you plan, you run the risk that something will happen before the policy goes into effect and also, you might not be eligible for time sensitive benefits such as the Pre-existing conditions waiver and financial default.

No, these policies cannot be purchased once you have already departed on your trip.

The Initial Trip Payment Date is the date that money first exchanged hands for the trip you are insuring.

These plans do have time sensitive benefits, so we recommend that you purchase the policy right after making your initial trip payment. To receive the most benefits from the Prime plan, you must purchase it within 21 days after making your initial trip payment, and 10 days for the Essential plan. Time sensitive benefits include the Pre-existing conditions waiver, Financial Default and optional Cancel for Any Reason depending on the plan you are reviewing.

No, you do not have to wait until the flight is booked. The policy should be purchased within 21 days of the initial trip payment for the Prime plan, or within 10 days for the Essential plan, in order to get the Pre-existing condition waiver and other time sensitive benefits.

Trip cancellation coverage becomes effective at 12:01AM the day after you purchase a policy. See the policy details for more information.

The Essential plan offers coverage for trip cancellation and interruption due to a terrorist incident (see your plan for the definition of a Terrorist Incident). The Terrorist Incident must occur in a city listed on your covered trip itinerary within 30 days prior to your scheduled departure date. The same city must not have experienced a Terrorist Incident within the 90 days prior to the terrorist incident that causes the cancellation of your trip. The same coverage is available on the Prime plan, provided you purchase the plan within 21 days of your initial trip payment.

The policy does not offer coverage for the threat of a Terrorist Incident or any war-related activity. See the policy for further details.

These plans may provide reimbursement of your prepaid non-refundable costs of a villa, condo or other rental property as long as there is a written agreement/contract between the insured and the renter. Trip cancellation or interruption must be due to a peril named in the policy.

Both the Essential and Prime plans offer coverage due to a bankruptcy/and or default of your travel supplier. This coverage goes into effect 10 days following your effective date, and does not cover the bankruptcy/and or default of the agency that you purchased your land/sea arrangements from. Please read your policy for full coverage details. To be eligible for this coverage you must insure the full cost of your trip, and you must have purchased the plan within 10 days of your initial trip payment for the Essential plan, and within 21 days of your initial trip payment for the Prime plan.

The Financial Default/Bankruptcy of a travel agency would not be covered, but financial default of a tour operator would be, as long as the trip was purchased 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 your credit card company or by filing a complaint with your State Consumer Protection Agency.

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

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

The Nationwide Prime Plan will reimburse you up to 75% of your prepaid, forfeited, non-refundable payments or deposits you paid for your trip. All requirements, listed in the plan certificate, must be met in order to be eligible for this benefit.

You can send an email to customercare@travel.nationwide.com to make changes to your policy. Please include your order number on all email correspondence. If you prefer, you can call us with your changes at our toll free number 877-970-9059.

The first step when filing a claim is to call the CBP Claims Department at 888-490-7606. 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 Benefits 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 have already purchased a travel insurance plan but now have additional trip cost to insure, our Customer Care Agents are able to assist you over the phone to increase the cost of the trip that you are insuring. Adding trip cost to your plan may result in a premium increase. There are some coverages that are time sensitive so you should add any additional trip cost as soon as you make that payment.

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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