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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. 

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

» Learn more: How much is travel insurance?

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

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

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

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

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

, single trips or multi-trips.

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

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

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Nationwide Travel Insurance Review — Is It Worth It?

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Table of Contents

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.

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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.

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

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

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

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

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 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions

Does nationwide travel insurance cover cruises.

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

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

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

Does Nationwide travel insurance cover flight delays or missed connections?

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

Does Nationwide travel insurance cover skiing or trekking?

The Prime Plan can cover adventure sports.

When do I need to buy Nationwide travel insurance?

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

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About Ryan Smith

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

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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 costs that range from $2,500 to $14,000.

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 .

Read more about Nationwide Travel Insurance in:

• The Best Travel Insurance Companies
• The Best Vacation Rental Travel Insurance

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Nationwide: FlexPlus reviews

75% increase in 5 star reviews, 100% decrease in 1 star reviews, latest highest rating:.

Latest lowest rating:

About the FlexPlus

Nationwide FlexPlus reviews come from people like you! With so many different current accounts now available, you can read these honest Nationwide FlexPlus reviews to find out what life as a Nationwide customer is really like. And remember, if you are a Nationwide customer, you can write a short review here to help other potential customers. Smart Money People is the UK's leading financial services review site and dedicated to being an independent and honest source of Nationwide FlexPlus reviews. Together, we can make financial services work better for everyone.

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Introduction to Nationwide Travel Insurance

• Coverage Options
• How to Purchase and Manage Your Policy

Nationwide Customer Reviews and Claims Experience

Compare nationwide travel insurance.

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Nationwide Travel Insurance Review 2024

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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.

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance 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.

• Cancel for any reason coverage available

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.

**Enrollment required.

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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. 

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Nationwide FlexPlus Account: 2022 Review

The FlexPlus account from Nationwide falls under the packaged account category which typically combines a current account with an insurance product or other benefit such as airport lounge access. In this review we discuss the benefits and drawbacks of this popular account to help you decide whether it makes financial sense for you. It’s important to note that we have reflected the changes made by Nationwide to the FlexPlus account offering in this review.

Keep in mind that the Financial Conduct Authority (FCA) recommends asking yourself the following questions when deciding whether a packaged account makes sense for you:

• Can I afford the monthly fee?
• Will I make use of all of the insurance benefits included in the packaged offering?
• Do I have overlapping coverage from other policies? Note: In some circumstances, you can end up paying double for the same coverage.

Nationwide Flex Plus Account Benefits & Overview:

For £13/month (£156/year), the FlexPlus account includes the following banking and insurance products:

What Banking Products are included in the FlexPlus Account?

• Joint current account options with flexibility to bank via secure online banking, a free mobile app, branch access and telephone banking.
• Free banking text message alerts and paperless communications included.
• Travel-friendly contactless debit card to withdraw cash or make payments abroad without foreign transaction fees. Access to Apple Pay, Google Pay and Samsung Pay available with applicable devices.
• Access to up to £500 cash per day via the Nationwide ATM network.

FlexPlus Arranged Overdraft Details:

• Arranged overdrafts must be applied for via the Nationwide internet bank, banking app or in person at your nearest branch.
• Interest is charged for FlexPlus Arranged Overdrafts at a 39.9% APR Representative (variable) rate.
• Text alerts to help you manage your overdraft are included.
• You need to be 18 or over to apply for an arranged overdraft.

What Insurance Products are Included in the Nationwide FlexPlus Account?

• Breakdown and recovery assistance for you or anyone driving your vehicle in the UK and EU, subject to vehicle eligibility.
• Travel insurance for the whole family with worldwide coverage. 
• Insurance policies include winter sports, golf and business.
• Mobile phone insurance for the whole family with worldwide coverage.

Note: Travel insurance cover may be temporarily restricted due to the coronavirus pandemic: more here .

What We Like About the FlexPlus Account:

• 4.8/5.0 rating on the app store – a good mobile app experience can make managing finances easier*. 
• 8 million current account holders – this is a popular offering at Nationwide.
• Comes with text alerts to better manage the flex plus overdraft and lessen your environmental footprint. 
• Full insurance benefits are extended to all family members living at the same address. 
• Full breakdown coverage for two automobiles included.

What We Don’t Like About the FlexPlus Account

• Expensive overdraft interest rate of 39.9% APR.
• Pricey monthly fees of £13/month can quickly add up (£156/year).
• Excess payments on mobile phone claims have increased: 

Is The Nationwide FlexPlus Overdraft Worth it?

In some cases, yes! The FlexPlus account makes sense if you are a family with multiple dependents who go on regular holidays abroad. If you own two autos and all have expensive mobiles then this account is even more worth the monthly price.

The monthly price may not be worth it if you don’t travel abroad (beyond the EU) often, only take one or two holidays per year, or have an old or basic mobile. If your phone is valued at say £100 and it is damaged, you would only pay £50 to repair it but that is on top of your fees which add up to £156/year. So, repairing your £100 phone using the insurance on this account will actually cost you £206.  This account is also not the best option if you frequently dip into overdraft because of high interest rates.

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*App rating correct as of 06/10/2020

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Overdraft changes in 2020 mean that using your overdraft in 2022 might have become more expensive! Find out what the changes mean here.

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In this guide

• Our verdict

Product overview

Overdraft information, frequently asked questions, your reviews, nationwide flexplus current account review.

Looking for a current account that comes with a range of perks for you and your family? Find out what the Nationwide FlexPlus account has to offer.

If you're looking for a current account that offers a little extra, the Nationwide FlexPlus account is one of the most competitive packaged accounts out there. For a fee of just £13 a month, you'll get a range of insurance policies for you and your family.

However, before proceeding, it's important to check you do not already have travel, mobile or breakdown cover elsewhere. For example, your mobile phone might already be protected under your home insurance or you might already have travel insurance through your credit card.

In addition, consider whether you're likely to make full use of these benefits to ensure the fee is worth paying. It can make good financial sense to check whether you can find these insurance policies for less than the annual cost of the account fee (£156 in this case) to ensure you're definitely getting good value for money.

Finally, make sure you check for exclusions – there's no point applying for the account, only to find you can't make a claim when it matters most.

• Includes travel insurance, mobile phone insurance and breakdown cover
• Arranged overdraft available
• Access to exclusive products
• Easy to apply for
• FSCS protection
• No fees for using your card abroad
• Monthly fee applies
• No interest paid on credit balances
• Interest charged on overdraft

What is the Nationwide FlexPlus current account?

The Nationwide FlexPlus current account is a packaged account. This means it offers a range of benefits, including travel insurance, mobile phone insurance and European breakdown cover, in return for a £13 monthly fee.

The account can be managed online, via the app, over the phone or in branch and can be opened on a single or joint basis. In fact, you can open your FlexPlus as a joint account and add someone to it later, such as a friend, partner or family member.

How does it work?

The Nationwide FlexPlus current account offers the following key features:

• Worldwide travel insurance. For you and your family, including winter sports, golf, weddings and business cover.
• Mobile phone insurance for the family. Your phone and those belonging to your partner and dependent children are covered for loss, theft, damage and faults.
• Vehicle breakdown cover. Whether you’re driving or a passenger, you’ll have cover from the AA in the UK and rest of Europe, with no excess to pay and unlimited callouts.
• Access to other products. As a member of Nationwide, you’ll get access to exclusive savings accounts like its Flex Regular Saver.
• Text alerts. Set your text alert preferences to help you manage your money.
• Optional cheque book. You can request a cheque book if you need one.
• Arranged overdraft. You can apply for an arranged overdraft at any time.
• Fee-free transactions abroad. There are no transaction fees for using your Visa debit card abroad.

Who is it for?

To open the Nationwide FlexPlus account, you must be a UK resident aged 18 or over and hold no more than 4 existing sole or joint Nationwide current accounts.

This account is likely to best suit families who regularly travel and who are likely to make use of the benefits on offer, provided they’re happy to pay £13 a month.

What are the benefits?

The biggest benefit of the FlexPlus account is that you’ll be able to make the most of a range of different insurance policies for you and your family. These include travel insurance, mobile phone insurance and vehicle breakdown cover. Another key benefit is that there are no fees for using your debit card overseas, making the account even more suitable for those who regularly holiday abroad.

How to apply

The easiest way to apply for the Nationwide FlexPlus account is online. If you’re opening an individual account you can also do so over the phone. To open your account, you’ll need:

• Your address history for the past 3 years
• Your employer’s address (if you’re employed)
• A valid UK passport or driving licence

If you don’t have a passport or driving licence you may need to go into a branch with your ID.

Is it safe?

Yes, Nationwide is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. This means eligible deposits will be protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person (up to £170,000 for joint accounts).

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What does the Nationwide app offer?

With the app, you can check your balance, make payments and transfers, set savings goals, freeze and unfreeze your debit card and report your card as lost or stolen.

Can I use the Current Account Switch Service to switch to the Nationwide FlexPlus account?

Yes, you can use the Current Account Switch Service to switch to the Nationwide FlexPlus account in just 7 working days.

• Financial Services Compensation Scheme

Rachel Wait

Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time. See full profile

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Best Cruise Travel Insurance of June 2024

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A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency.

Best Cruise Insurance Plans

• Best overall: Nationwide Travel Insurance
• Best for affordability: AXA Assistance USA
• Best for seniors: Seven Corners Travel Insurance
• Best for expensive trips: HTH Worldwide Travel Insurance
• Best for exotic locations: World Nomads Travel Insurance

How we rate cruise insurance companies »

Compare the Best Cruise Travel Insurance Companies

While booking a cruise takes off much of the pressure when coming up with itineraries, your trip can still encounter several hitches, which is where cruise travel comes in. The best cruise travel insurance will have high coverage limits on emergency medical evacuations, as sea to land evacuations can be expensive. They'll offer coverage for baggage delay, trip interruption, and it might be a good idea to have some adventure sports coverage if you plan on participating in any outdoor activities like snorkeling or scuba diving. 

Here are our picks for the best cruise travel insurance companies in 2024.

Best overall: Nationwide

Nationwide Travel Insurance  is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review here.

Best for affordability: AXA

AXA Assistance USA  offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review here.

Best for seniors: Seven Corners

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a pre-existing conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review here. 

Best for expensive trips: HTH Worldwide

HTH Worldwide Travel Insurance  offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost, as long as you purchase within 21 days of your initial trip deposit.

Read our HTH Worldwide Travel Insurance review here.

Best for exotic locations: World Nomads

World Nomads Travel Insurance  has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise.

Read our World Nomads Travel Insurance review here.

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical. The best travel insurance plans will provide flexibility to add coverage options to fit your travels needs.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts. Interruption coverage should also include coverage for missed stops on your cruise.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Travel medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances. 

When you purchase travel medical insurance, be sure to note whether your coverage is primary or secondary. Secondary insurance means you'll need to file a claim with your primary insurance provider before filing with your travel insurance provider. 

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses. You'll want high coverage limits for emergency evacuation, as sea-to-land evacuations can be costly. 

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience. It'll reimburse you for any money you spent replacing items while traveling. 

Adventure Sports Coverage

Cruises often offer activities that can be classified as adventure sports, such as snorkeling and scuba diving. Medical treatment for injuries sustained while participating in these activities isn't normally covered under normal travel medical coverage. You'll want to ensure that your policy explicitly includes these policies or offers an add-on for adventure sports coverage. 

Tips for Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs. 

When to Purchase Cruise Insurance

It's always best to purchase cruise insurance soon after placing the initial deposit on your cruise. The sooner you buy your insurance, the quicker your trip is protected against a sudden cancellation. Additionally, most travel insurance plans have optional riders you can add to your policy as long as you purchase your policy within a certain window.

For example, cancel for any reason coverage often needs to be purchased within a purchasing window, which can last anywhere between a few days to three weeks from your initial trip deposit. You can also get your pre-existing conditions covered under the same conditions. 

That said, most companies will let you buy travel insurance up until the day before your departure. There are some limited policies that you can purchase after you've left for your trip, such as Allianz OneTrip Emergency Medical policy.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like VisitorsCoverage and InsureMyTrip  are good places to compare multiple quotes from all of the major carriers at once.

Why You Should Trust Us: How We Reviewed Cruise Insurance Plans

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot and SquareMouth.

Policy Types

We look at policy types and offerings, from standard travel protections to adventure sports coverage. We look at the amount of insurance offered

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

Best Cruise Travel Insurance FAQs

How much does insurance cost for a cruise.

As a rule of thumb, you can expect to pay between 5% and 10% of your prepaid, nonrefundable trip expenses for cruise insurance coverage. The price will vary depending on factors like your age, your travel destination, and whether you require additional coverage.

What exactly does cruise insurance cover?

Cruise insurance typically covers trip cancellations, interruptions, medical emergencies, emergency evacuations, and lost or damaged baggage, though coverage can vary based on the policy

Can you get insurance on a cruise after departure?

Your options for travel insurance is severely limited after your trip starts, but you still have a few options.

What is the difference between travel insurance and cruise insurance?

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Can I claim for missed ports on a cruise?

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim and before you travel, so you know what compensation you're entitled to.

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Auto insurance

Best car insurance companies in Colorado of 2024

Timothy Moore

Kara McGinley

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

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Published 6:00 a.m. UTC May 30, 2024

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Colorado Farm Bureau Insurance is the best car insurance company in Colorado . This Colorado-based insurer offers competitive rates for good drivers and high-risk drivers. Colorado Farm Bureau also has a low level of customer complaints to state insurance departments.

Best car insurance companies in Colorado

• Colorado Farm Bureau : Best car insurance in Colorado.
• American National : Best car insurance after an accident in Colorado.
• Geico : Best car insurance for poor credit in Colorado.
• Nationwide : Great car insurance for teens in Colorado.

Why trust our car insurance experts

Our team of car insurance experts has decades of experience as licensed property and casualty experts, insurance editors and consumers. We approach car insurance analysis as if we were shopping for ourselves or our family members, focusing on rates, coverage and features available, customer complaints and the collision repair process.

Using a data-driven methodology, we evaluate hundreds of auto insurance products, analyze thousands of data points and rate each insurer to help you find the best car insurance product for your situation. Advertisers never influence our editorial content . You can read more about our methodology below.

• 15 Colorado car insurance companies reviewed.
• 105 Colorado car insurance rates analyzed.
• 5 levels of fact-checking.

Best car insurance in Colorado

Colorado farm bureau.

Average annual cost for good drivers

Average annual for high-risk drivers, why it’s the best.

Colorado Farm Bureau has the best car insurance in Colorado . It offers some of the most competitive car insurance rates in all of the Centennial State, including those for drivers with a speeding ticket or accident on their record. Colorado Farm Bureau also has no customer complaints to state insurance departments — another reason we named it the best car insurance in Colorado.

The insurer has been a part of the Colorado community since 1950, initially providing insurance to farmers and ranchers. Today, it offers an extensive portfolio of financial products, including homeowners insurance and cheap life insurance . You can even do your banking with the company.

Pros and cons

• Competitive car insurance rates for most drivers in Colorado.
• Lowest customer complaint level among insurers analyzed.
• Range of insurance and financial products available.
• Slightly less competitive rates for drivers with a DUI.
• Limited car insurance discount opportunities.

Customer reviews

Colorado Farm Bureau has zero customer complaints to state insurance departments. Its complaint ratio is 0.0, while the national average is 1.0.

We review the most recent National Association of Insurance Commissioners (NAIC) data to determine a car insurance company’s complaint level. NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.

Average car insurance rates in Colorado

Colorado farm bureau car insurance discounts.

Here are some car insurance discounts offered by Colorado Farm Bureau. Be sure to check with your agent to learn which ones you are eligible for.

• Bundling/multi-policy (home or renters).
• Claims free.
• Continuous coverage.
• Paperless billing.
• SFB Life Policy.

Best car insurance after an accident in Colorado

American national.

Average annual cost for high-risk drivers

American National has the best car insurance after an accident in Colorado , with average rates of $1,465 a year for drivers who have caused accidents that caused injury or property damage. In addition, American National offers several benefits that may assist customers after an accident, including:

• A rental car at no extra cost for customers with comprehensive and collision coverage .
• Up to $2,000 of customized equipment coverage.
• Waived deductibles when you’re involved in an accident with another American National customer.

One downside to American National is its above-average level of customer complaints to state insurance departments.

• Cheapest coverage after an accident.
• An array of benefits and features to help drivers after an accident.
• Cheapest car insurance rates in Colorado for most drivers.
• Higher-than-average customer complaint level.
• No online quotes available.

American National has an above-average level of customer complaints . Its complaint ratio is 1.2, slightly above the national average of 1.0.

American National car insurance discounts

American National customers may be able to save on coverage if they’re eligible for discounts, such as a multi-policy. Contact your local American National agent to find out what car insurance discounts you may qualify for.

Best car insurance for poor credit in Colorado

Average price for good drivers

Average price for high-risk drivers.

Geico is one of the best car insurance companies for United States drivers on a budget, especially drivers in Colorado where insurance rates tend to be higher. Notably, Geico has the best car insurance for drivers with poor credit , with low rates in Colorado regardless of credit score.

Seniors and teen drivers can also get favorable rates with Geico. However, DUIs and at-fault accidents can send rates soaring.

Learn more in our comprehensive Geico car insurance review .

• Cheap rates for drivers with poor credit.
• Competitive rates for most drivers, including teens and seniors.
• Below-average level of customer complaints.
• Higher rates for drivers with a DUI or accident on their record.

Geico has a below-average level of customer complaints . Its complaint ratio is 0.8, which is below the national average of 1.0.

To determine a car insurance company’s complaint level, we review the most recent data from the National Association of Insurance Commissioners (NAIC). NAIC complaint data reflects the number and types of complaints customers submit to their state’s department of insurance or equivalent entity.

Geico car insurance discounts

Here are some car insurance discounts offered by Geico. Be sure to check with your agent to learn which ones you are eligible for.

• Anti-lock brakes.
• Anti-theft system.
• Bundling/multi-policy.
• Daytime running lights.
• Defensive driving.
• Driver’s education.
• Emergency deployment.
• Federal employee (Eagle Discount).
• Five-year accident-free good driver.
• Good student.
• New vehicle.
• Seat belt use.
• Membership and employee.
• Multi-vehicle.

Great car insurance for teens in Colorado

Nationwide offers great car insurance for teens — and drivers of any age and profile. In fact, Nationwide earns the top spot in our best car insurance for teens and best car insurance company ratings. It also earns a place in our best car insurance for seniors this year.

Nationwide doesn’t have the lowest rates among the insurers we analyzed. Still, it is one of only a few insurers in Colorado with rates well below the state average of $4,536 per year for parents adding a teen to an existing policy. Among the features ideal for teens present in a Nationwide policy are:

• Accident forgiveness for the teen’s first at-fault wreck.
• Discount for teens who complete a defensive driving class.
• Good student discounts.

Notably, Nationwide also has a low level of customer complaints and a robust choice of coverage options, including usage-based insurance and gap insurance .

Learn more in our comprehensive Nationwide car insurance review .

• Competitive rates and multiple discount opportunities for teen drivers.
• Low level of customer complaints.
• Offers usage-based car insurance and gap insurance.
• Less competitive rates for drivers with a DUI or gap in coverage.
• No rideshare coverage available.

Nationwide has a below-average level of customer complaints . Its complaint ratio is 0.8, which is well below the national average of 1.0.

Nationwide car insurance discounts

Here are some car insurance discounts Nationwide offers. Be sure to check with your agent to learn which ones you are eligible for.

• Accident free.
• Anti-theft.
• Automatic payments.
• Multi-policy.
• Safe driver.
• SmartMiles.

Compare the cheapest car insurance companies in Colorado

American National and Colorado Farm Bureau have the cheapest car insurance in Colorado, but they’re trailed closely by Geico and Nationwide. All four companies offer rates below the state average.

Compare rates offered by participating partners

Methodology

Our team of insurance experts evaluated 15 Colorado car insurance companies to determine those that offer the best coverage based on average rates and consumer complaints. Based on the following factors, each insurer was eligible for up to 100 points.

• Driver with an accident, speeding ticket or DUI on their record.
• Driver with a gap in coverage.
• Teen drivers added to a parent’s policy.
• High-risk driver.
• Customer complaints: 40 points. We looked at data from the National Association of Insurance Commissioners (NAIC) , which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s department of insurance — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.

How much does car insurance cost in Colorado?

The average cost of car insurance in Colorado is $2,587 a year , or $152 a month . That’s for a good driver with full coverage.

Compared to the U.S. average cost of car insurance ($2,067), that’s a little high, but not surprising.

“Colorado drivers face treacherous road conditions in many parts of this state, especially during the winter months,” said Mark Friedlander, Director of Corporate Communications for the Insurance Information Institute (Triple-I). 

“This leads to higher accident frequency and severity than many states. Weather and climate hazards also have significant impacts on the cost of Colorado car insurance. This includes damage to vehicles caused by severe convective storms, wildfires, hail, flood, snow and ice.”

If you’re a Colorado driver who doesn’t want to pay those high rates, limit your search to the cheap car insurance companies in Colorado listed above, and read below for tips on lowering your rates.

Cheapest car insurance companies in Colorado

Good drivers understandably get the best rates on car insurance. But what if you have a violation, like a DUI, accident or speeding ticket, on your record? Use the tables below to see the average car insurance rates offered by the best car insurance companies in Colorado.

• After a speeding ticket
• After an accident
• After a DUI
• With poor credit
• After a gap in coverage
• New driver added to parent policy

Cheapest car insurance after a speeding ticket in Colorado

If you have a speeding ticket in Colorado, consider American National . It has the cheapest rates among the top car insurance companies in Colorado. Colorado Farm Bureau also offers competitive rates and is the only other insurer in our rating to offer coverage below $150 per month for drivers with a speeding infraction. 

Cheapest car insurance after an accident in Colorado

Rates can increase after an accident, especially if you’re at fault. After an accident, American National offers an average rate of $122 per month, the lowest among the insurers in our rating. You should also get a quote from Colorado Farm Bureau , which offers coverage for an average rate just above $150 a month. 

Cheapest car insurance after a DUI in Colorado

Insurers see DUIs as a red flag, raising rates well above those offered to good drivers. However, you may be able to catch a financial break from American National or Colorado Farm Bureau . They are the only insurers in our analysis to offer rates below $2,000 a year in Colorado for drivers with a DUI on their record. 

Cheapest car insurance for poor credit in Colorado

Geico has the lowest average rates for drivers with poor credit in Colorado. It’s the only insurer to offer coverage for less than $220 per month.  Nationwide also offers competitive rates for drivers in this category.

Cheapest car insurance in Colorado after a gap in coverage

A gap in car insurance may save you some money upfront, but when you get coverage again, you’ll likely see higher rates. If you have a gap in coverage, consider American National . It is the only insurer in our best car insurance in Colorado rating to offer coverage for under $100 per month. Colorado Farm Bureau should also be on your list. Though slightly higher than American National, its average rate after a gap in coverage is just $128 per month.

Cheapest car insurance for adding a new driver in Colorado

Teens are notably expensive to insure, so shopping around for coverage is essential. If you’re the parent of a freshly-minted, 16-year-old driver, consider the Colorado Farm Bureau . It has the lowest average rate for parents adding a 16-year-old to their policy. 

How to find cheap car insurance in Colorado

The average cost of car insurance in Colorado may be higher than the nationwide average, but that doesn’t mean you have to settle for the highest premiums. 

“Colorado drivers can reduce their auto insurance cost significantly by taking advantage of numerous discounts without sacrificing coverage,” said Friedlander. He also points to other ways of saving, including usage-based telematics programs and defensive driver courses.

Here’s a more extensive look at how you can lower your car insurance rates in Colorado:

• Shopping around: Compare car insurance quotes from at least a handful of companies to find the best rate. Make sure you’re looking at similar policies with the same deductibles and coverage limits to ensure a fair comparison.
• Bundling with other insurance policies: Several insurance companies offer discounts if you insure more than one vehicle or purchase multiple policies, such as home insurance or renters insurance , from them. We analyzed the best auto and home insurance bundles available.
• Enrolling in a usage-based insurance program: Many car insurance companies have usage-based insurance (UBI) programs that allow them to monitor your driving habits (usually via your smartphone) and base premiums on them. Good driving can get you a discount but be warned: Aggressive, unsafe behavior behind the wheel could actually result in a premium increase.
• Taking advantage of discounts: Bundling policies and enrolling in a usage-based driving program aren’t the only ways to earn discounts. You may be eligible for car insurance discounts if your car has certain safety features, you completed a safe driving course or have gone several years without an accident or ticket. Many insurers also offer discounts if you’re a student or in the military, opt into paperless statements or if you pay your six- or 12-month premium in full.
• Improving your credit score: In Colorado, insurance companies can still factor in your insurance-based credit score when determining car insurance rates. By actively working to improve your credit score — making on-time payments and reducing credit utilization — you can improve your insurance-based credit score and potentially see a drop in your car insurance premiums when you renew your policy.
• Adjusting your coverage: You can lower your car insurance premium by raising your deductible, but remember you’ll pay more out of pocket when filing a claim. You can also reduce your coverage limits, though this can leave you with substantial bills, especially if you’re at fault for an expensive accident with massive property damage or bodily injury.

Car insurance in Colorado vs. other states

Here’s how much full coverage car insurance for good drivers costs in Colorado compared to other states.

Car insurance requirements in Colorado

By law, anyone who owns a car in Colorado must have liability insurance. The minimum requirements for that liability insurance are:

• $25,000 for bodily injury or death to one person in an accident.
• $50,000 for bodily injury or death to all people in an accident.
• $15,00 for property damage in an accident.

These limits are quite low. While they’ll keep you out of legal problems with the state of Colorado, we recommend a more robust policy that includes higher liability limits, comprehensive insurance and collision coverage , at minimum.

Best car insurance in Colorado FAQs

American National has the lowest car insurance rates in Colorado , based on our analysis of 15 auto insurance companies in the state. Colorado Farm Bureau, Geico and Nationwide also offer cheap car insurance in Colorado, below the state (and national) average.

The average cost of car insurance in Colorado is $2,587 a year , or $152 a month . That’s for a good driver with a full-coverage policy. Costs increase if you have a DUI , speeding ticket, accident or any other indication of high risk. 

You may be able to lower your monthly car insurance premium by switching to one of the cheapest auto insurance companies in Colorado and applying for discounts, such as bundle, paperless and autopay discounts.

Car insurance costs are up nationwide for various reasons, including higher repair costs, but it’s getting particularly expensive in Colorado. Why is that the case? The weather, according to Mark Friedlander, Director of Corporate Communications for Triple-I. 

Friedlander says both accident frequency and severity are higher in Colorado, especially during the winter months. But it’s not just winter weather that affects Coloradoans; they also have to contend with wildfires and flooding, both of which drive up claims (and thus costs).

Startled by rising rates? How to lower your car insurance in 2024

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.

Timothy Moore is a writer and editor covering personal finance, travel, autos, and home renovation. He's written financial advice for sites like LendEDU, LendingTree, Forbes Home and The Penny Hoarder; edited complex ROI analyses for B2B tech companies like Microsoft and Google; served as managing editor at a print magazine; led content creation for a digital marketing agency; and written for brands like Chime, Angi and SoFi.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 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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