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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How Travel Insurance Works With a Death in the Family

In the unfortunate event that there is a death in the family, here is how your travel insurance can help. 

When you purchase travel insurance, you are trying to plan for the unexpected. In the unfortunate event that there is a death in the family, you may be eligible for coverage under your travel insurance plan.

Coverage for Trip Cancellation, Trip Delay, and Trip Interruption

Trip Cancellation is a benefit that can provide coverage for non-refundable trip payments in the event that a trip has to be cancelled for a covered reason. One covered reason for trip cancellation is the death of a family member of yours or your traveling companion.

If you have to cancel your trip due to the death of a family member and meet all the criteria for coverage as detailed by your policy, then your non-refundable, pre-paid expenses such as hotels and airfare are eligible for reimbursement.

This coverage applies to the Trip Interruption and Trip Delay benefits as well. So you may have coverage in the event you have to cut your trip short or start your trip late due to a death of a family member.

Does Your Family Member Need a Travel Insurance Policy to be Eligible for this Coverage?

No, your family member does not need to be a covered traveling companion under your travel insurance policy in order for you to be eligible for this coverage. If you are the traveler and have your own travel insurance policy, death of a family member may be covered.

Who is Considered a Family Member?

Under an Arch RoamRight travel insurance policy, the definition of “family member” is expansive. This may include you or your traveling companion’s:

  • legal spouse (or common-law spouse where legal),
  • legal guardian or ward,
  • son or daughter (adopted, foster, step or in-law),
  • brother or sister (includes step or in-law),
  • grandparent (includes in-law),
  • grandchild,
  • aunt or uncle,
  • niece or nephew,
  • domestic partner,
  • caregiver or child caregiver.

Is a relative different from that above a family member?

For the purpose of coverage under your Arch RoamRight travel insurance policy , only those listed in the definition of a family member are considered in determining your coverage.

When is a Death in the Family Not Covered?

There are some exclusions to the benefits, highlighted below, when it comes to claims related to deaths in the family. For a full details of the coverages, imitations, & exclusions please refer to your policy.

Under an Arch RoamRight travel insurance policy, death of a family member resulting from suicide is not eligible for coverage.

Pre-Existing Conditions

Death of a family member as a result of a pre-existing condition is not covered under an Arch RoamRight policy unless you and your traveling companion(s) – “the travelers” – have a policy that includes a Pre-Existing Conditions Exclusion waiver.

A pre-existing condition is defined as:

“An illness, disease, or other conditions during a specified period immediately prior to the effective date of the insured’s coverage for which the insured or insured’s traveling companion, business partner, or family member: 1) received or received a recommendation for a test, examination, or medical treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustments or change in the required prescription throughout specified period before your coverage is effective under the policy.”

For most Arch RoamRight plans, the specified time period is 180 days, however there are a few plans that have a shorter, 60-day time period.

In order to have a Pre-Existing Conditions Exclusion waiver, you must meet the following criteria at the time of your purchase:

  • Purchase your travel insurance plan within 21 days of making your first trip payment;
  • Insure the entire non-refundable cost of your trip;
  • Must not be disabled† from travel at the time your premium is paid; and
  • This must be the first and only booking for this same time period and destination.

† For definitions, please refer to the travel insurance policy .

The Pre-Existing Conditions Exclusion waiver is available with the Arch RoamRight Preferred , Elite , Pro , and Pro Plus plans.

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Non-Refundable Flights & An Emergency: What To Do: These tips on what to do in an event of an emergency as it relates to non-refundable flights can be helpful when you are in a bind. Read More ->

Note: Available plans and coverages may have changed since this blog was published.

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Victoria Zidwick, a RoamRight Blog Author

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Does Travel Insurance Cover Death in the Family?

Does Travel Insurance Cover Death in the Family?

When a death occurs in the family, there can be a lot of turmoil and disruption. For travelers, a death in the family can be even worse because you may have to cancel your trip, interrupt it and come home early, and otherwise abandon or change your travel plans.

Changing even a single airline ticket these days is often cost-prohibitive and it’s up to the discretion of the airline representative whether to waive the change fee or not. The same is true for cruises and tours that have already been booked and paid.

Many travelers – especially those with elderly parents or family members who are ill – want to know if travel insurance covers death in the family.

It does … with some exceptions.

How travel insurance helps with family death

Here’s how travel insurance works when a death occurs in the family:

  • If you have to  cancel an insured trip  because a family member unexpectedly dies, travel insurance will reimburse you for your pre-paid trip expenses.
  • If you have to  interrupt your trip and return home  due to a family death, travel insurance will reimburse you for your unused pre-paid costs due to your change in travel plans.

Important exceptions

It’s important to note that there are some important exceptions travelers should understand. These include:

  • The family member must be a ‘covered’ family member and every plan defines this differently. In some cases, for example, a sister- or brother-in-law may not be considered a covered family member. You’ll find the list of covered family members in the definitions section of your travel insurance plan documentation.
  • The death must not have been the result of a pre-existing medical condition (even one that you or the family member didn’t know about) unless you purchase a plan with  coverage for pre-existing medical conditions .
  • The death must not have been the result of suicide or mental illness as these are excluded from all travel insurance coverage.

Many people are surprised when their travel insurance plan doesn’t cover the loss of best friends, close acquaintances, and even pets. This is because those persons and pets who are important to us may not be considered family members as defined by the travel insurance policy.

To be able to make a claim on your travel insurance policy should someone who is not a family member as defined by the travel insurance plan documents die, you’ll need to have  ‘cancel for any reason’ coverage  and you’ll have to cancel your trip within the time frame defined by that coverage (sometimes as early as two days prior to your trip).

Damian Tysdal

DamianTysdal

Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.

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Nationwide Travel Insurance Review 2024

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

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

Nationwide Nationwide Travel Insurance

  • 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 Travel Insurance Review: Types of Policies Offered

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.

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 plan 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 WA and NY). 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).

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 WA and NY states.

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 Travel Insurance 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 TX or NY).
  • 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 — frequently asked questions (FAQ)

Nationwide offers many different types of insurance policies, including travel insurance, and it could be a good fit depending on your needs. The company offers options for single trips, multiple trips, and offers robust coverage for cruise travel. Some of the policies may allow consumers to add cancel for any reason (CFAR) coverage.

Nationwide offers cancel for any reason coverage as an addition to several policies including the Prime Plan, Choice Cruise Plan, and Luxury Cruise Plan. To qualify, you must meet eligibility requirements and pay an extra cost on a plan that offers this coverage.

According to the company website , Nationwide uses credit score to determine rates for insurance products in general. Studies indicate credit score may predict a higher rate of claims for insured parties with lower credit scores. While the exact number may vary, insurers offer the best rates for scores of 700 or higher . The use of credit score in determining premiums is most common for auto insurance .

Nationwide Travel Insurance Cost

The cost to get a travel insurance policy through Nationwide will depend on several factors, including what type of coverage you get, whether you purchase any add-ons, as well as your destination, length of trip, and more.

On Nationwide's website, you can get a quote for a travel insurance policy by providing the following:

  • Destination
  • Departure date
  • Return date
  • Total trip cost
  • Initial trip payment date

Let's review some potential costs. If you're a 35-year-old from Florida heading to Brazil for the last two weeks of the year in December and your total trip cost is $5,000 with an initial payment on September 1, your policy would be:

  • $196.89 for the Essential Plan
  • $273.20 for the Prime Plan

If you're a 55-year-old from Oregon heading to Mexico in the first 10 days of January via Carnival Cruise lines and spending $4,000 on the trip with an initial payment on September 1 and last payment on November 30, your policy would be:

  • $172 for Universal Cruise Plan
  • $206 for Choice Cruise Plan
  • $244 for Luxury Cruise Plan

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.

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

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

Nationwide Travel Insurance vs. Allianz Travel Insurance

Much like Nationwide , Allianz 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, a major player in the travel insurance space, has 10 options listed.

Allianz 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.

Alliance Travel Insurance Review

Nationwide Travel Insurance vs. John Hancock Travel Insurance

John Hancock 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 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. 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 plan options.

John Hancock Travel Insurance Review

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 cards 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.

Best Credit Cards with Travel Insurance

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

For our review of Nationwide Travel Insurance , 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.

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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The 5 Best Family Travel Insurance Plans

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Travelex Insurance Services »

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Allianz Travel Insurance »

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Seven Corners »

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World Nomads Travel Insurance »

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AIG Travel Guard »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Family Travel Insurance Plans.

Table of Contents

  • Rating Details
  • Travelex Insurance Services
  • Allianz Travel Insurance

The best travel insurance plans can provide you with considerable peace of mind, but the real value comes into play when you wind up using your coverage. Hassles like flight delays, lost luggage and unexpected injuries can be stressful and traumatic, yet travel insurance can reimburse you for the financial costs associated with these mishaps.

If you are planning to travel with your entire family in tow, you already know that the stakes are higher and the potential for losses even greater. For example, you'll want to make sure children traveling with you have travel medical insurance as well as coverage for trip cancellations and interruptions.

You'll need to compare the best family travel insurance plans of 2023 if you want to find the right one for you and ensure each of your dependents is covered by your policy. U.S. News has compiled this guide to the best of the best when it comes to companies offering family travel insurance, since these top picks make it easy and affordable to add children to your plan.

  • Seven Corners
  • World Nomads Travel Insurance
  • AIG Travel Guard

Best Family Travel Insurance Plans in Detail

Travel Select plan offers complimentary coverage for children 17 and younger

Primary coverage with no deductibles

Travel Select only includes up to $50,000 in protection for emergency medical expenses (optional upgrade available)

Meager policy limits ($200) for delayed baggage and sporting equipment

  • Trip cancellation protection worth up to 100% of prepaid travel expenses (up to $50,000)
  • Trip interruption coverage worth up to 150% (up to $75,000)
  • Up to $2,000 ($250 per day) in coverage for trip delays
  • $750 for missed connections
  • $50,000 for emergency medical and dental expenses
  • $500,000 in coverage for emergency medical evacuation and repatriation of remains
  • $1,000 in insurance for baggage and personal effects

Single-trip travel insurance plans include free coverage for children ages 17 and younger

Allianz offers annual travel insurance plans for families

Not all plans cover kids for free

Get coverage for up to 10 people in a single policy

Generous policy limits for emergency medical expenses and evacuation

Kids aren't covered for free

Emergency dental coverage is capped at $750

  • Trip cancellation coverage worth up to 100% of prepaid trip costs
  • Trip interruption coverage up to 150%
  • Trip delay coverage up to $2,000 ($250 per day)
  • Up to $1,500 in protection for missed tours or cruise connections ($250 per day)
  • Up to $500,000 in coverage for emergency medical expenses
  • Up to $1 million in protection for emergency evacuation

Includes coverage for up to seven children on a single policy

Provides coverage for more than 200 adventure activities and sports

No free travel coverage for kids with paid adults

No option to customize coverage with CFAR protection

  • Up to $100,000 in emergency medical insurance
  • $500,000 in coverage for emergency medical evacuation
  • $3,000 in insurance for lost baggage and belongings
  • $10,000 in insurance for trip cancellation

Free coverage for one child 17 or younger with each paying adult relative on the plan

Choose from three tiers of travel protection based on your needs

Travel medical expense coverage is low ($15,000) with Essential plan

Essential plan also has low limits for baggage delays ($200) and lost or stolen luggage ($750)

  • Up to 100% in coverage for trip cancellation
  • 150% in coverage for trip interruption
  • $1,000 in baggage insurance
  • $300 in protection for baggage delays
  • $50,000 in insurance for emergency medical expenses
  • $500,000 in protection for medical evacuation

Family Travel Insurance: Coverages You'll Need

As you compare the best travel insurance plans for families, you might be wondering which types of coverage are most important. Ultimately, that depends on the cost of your trip, where you're traveling and the travel issues you worry about the most.

Frequent traveler Linda L. Adkins of Spokane, Washington, says she purchases travel insurance for every trip since her U.S.-based health insurance policy doesn't apply when her family travels overseas. She worries not only about emergency medical expenses that could come into play, but also about the high costs of medical evacuation if a family member needs to be transported a long distance or even back to the U.S.

Adkins has also endured scenarios where her luggage was temporarily lost by an airline while traveling internationally, and she says her delayed baggage benefit was useful when it came to purchasing clothing and toiletries. "I spent almost $100 per day for three days in a row while we waited for our bags," she says.

Adkins saved her receipts and received reimbursement through her travel insurance provider's baggage delay benefit.

U.S. News recommends having the following types of coverage (at a minimum) in place for every trip with kids:

  • $50,000-plus in primary insurance per traveler for emergency medical expenses
  • Coverage for COVID-19
  • $100,000-plus in coverage for emergency medical evacuation
  • Adequate protection for trip delays and lost or delayed baggage

Frequently Asked Questions

Credit card travel insurance can provide coverage for families, although the types and amounts of protection you receive can be limited. As an example, the Chase Sapphire Reserve credit card comes with trip cancellation coverage for up to $10,000 per person and up to $20,000 per covered trip, as well as lost luggage reimbursement worth up to $3,000 per passenger if the cardholder or an immediate family member has their luggage lost by a common carrier.

Fine print with the card also states that trip delay coverage can apply if common carrier travel gets delayed by more than six hours or requires an overnight stay, and that both the cardholder and their family members can be reimbursed up to $500 per ticket for incidental travel expenses including meals and lodging.

For credit card travel insurance to apply, the cardholder needs to pay for common carrier travel for all of their family members with the credit card in question. In other words, simply carrying a travel credit card with travel insurance benefits won't be enough.

Travel insurance plans are built to cover every person listed on the application for coverage. This means you can apply for travel insurance as an individual or as a family who wants all members covered under a single plan.

That said, some travel insurance plans are superior for families since they offer free coverage for dependents. Others offer comprehensive travel insurance policies that provide broad coverage for groups up to 10 people.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

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Nationwide Travel Insurance Review — Is It Worth It?

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Nationwide Travel Insurance Review — Is It Worth It?

Why Purchase Travel Insurance

Travel insurance and the covid-19 virus, single-trip plans, cruise plans, annual/multi-trip insurance policies, how to obtain a quote, nationwide vs. credit card travel insurance, nationwide vs. other travel insurance companies, how to file a claim with nationwide travel insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

If you’re looking at travel insurance policies, you may feel overwhelmed by the seemingly endless number of options. Some of the names of insurance providers will sound familiar; others you’ve likely never heard of. If you’re wondering about the first step for narrowing down your options, choosing a well-known name like Nationwide could be a good start.

Nationwide began in Ohio as Farm Bureau Mutual Automobile Insurance Company, selling its first policy (automobile insurance) in 1926. Thus, the company has nearly a century of insurance experience. It’s a household name at this point, meaning you can trust that it knows how to process claims should you need to submit one and isn’t likely to give you the headaches of a company that just started and needs to work out a few kinks. Nationwide and its subsidiaries have “Superior” financial ratings from A.M. Best. ¹

Now that we’ve established Nationwide as a quality travel insurance provider, let’s see if what it provides works for your trip and your budget.

Travel insurance , as with other types of insurance, protects your investment (read: money) from loss because of unforeseen circumstances. The more money that’s at risk, the more it makes sense to protect it with an insurance policy.

Travel insurance can protect more than your money, though. It can provide medical coverage in case of an accident or illness while you’re away from home.

The following are some of the reasons you may want to buy travel insurance:

  • Your existing healthcare coverage won’t cover you at your destination or for some of the activities you’ll be doing.
  • Your trip involves costly, nonrefundable deposits or prepayments that you would lose if the trip were canceled at the last minute .
  • Health care at your intended destination may not be sufficient, and you might need evacuation (which is costly) if you become ill or injured.
  • Your trip involves multiple destinations or forms of transportation, creating additional chances for a missed connection or delay.

Travel insurance isn’t always necessary. However, getting a travel insurance policy is smart if you’ve invested significant money or are worried about medical coverage during your trip.

As nearly all destinations worldwide have been affected by COVID-19, Nationwide says canceling a trip for “ general concerns related to potential COVID-19 exposure is not generally covered under our travel protection plans.”

However, specific plan terms and reasons for trip cancellation/delay will be evaluated on a case-by-case basis for every claim. That’s because certain elements of your travel insurance plan “may provide coverage if you have been diagnosed with COVID-19, are under quarantine or are traveling to a destination that is currently under a CDC travel restriction.”

COVID 19 Testing Center

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.

Types of Policies Available With Nationwide

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

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.

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.

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 .

Nationwide Travel Insurance header

The next page will ask you what type of plan you need.

Nationwide Travel Insurance plan type

Once you choose a plan type, you’ll provide information about the traveler(s) age(s), state of residence, and total trip cost . You’ll also include a date for the initial deposit and intended final payment date for your trip. For cruise and single-trip plans, you’ll also include a destination and dates of travel. Cruise trips also ask what line you’re sailing with.

The next page will show available plan options and let you compare them for coverage maximums and inclusions.

Nationwide Travel Insurance search results for comparison

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

Nationwide Travel Insurance detailed pop up CFAR

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

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

Nationwide Travel Insurance trip cost change

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

How Nationwide Compares — Summary

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.

To compare Nationwide to other travel insurance companies, we obtained a quote for a couple, ages 38 and 36, traveling to Mexico for a 1-week trip that costs $2,000 (with the original payment made today). Note that the costs you see for a policy can vary, based on factors like age, trip cost, number of people covered, and where you reside.

We started our search with Squaremouth , a travel insurance comparison website analyzing numerous policies to help you find the right one. We listed a departure date 3 months in advance, an original deposit date the same day, and the state of residence as Arizona.

Nationwide Prime comparison on SquareMouth

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

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

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

Nationwide travel insurance online claim

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

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

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

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

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

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

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

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

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

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

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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The Best Family Travel Insurance Plans of 2024

Find the best travel insurance policies to protect you and your loved ones on your adventures.

in under 2 minutes

Charlotte Whitaker Photo

Charlotte Whitaker is a content writer and PR professional currently writing for clients in the travel, tourism and recruitment industries. Coverage highlights for her PR clients include publications such as National Geographic, Forbes, Travel+Leisure, TimeOut and CNN. When she’s not writing, you can find her traveling to the next destination on her bucket list or relaxing in the countryside of the north of England, which she calls home.

Tori Addison Photo

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

If you are traveling as a family, you can protect your international vacation with travel insurance. Travel insurance helps you recover nonrefundable expenses such as airfare, hotel reservations and excursions if you’re forced to cancel your trip or leave early due to an emergency. Travel insurance can also help your family cover the cost of lost baggage and emergency medical expenses.

According to our research on costs and coverage,  Travelex, Berkshire Hathaway and Nationwide are the top three family travel insurance options.

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Compare the Best Travel Insurance for Families

Ready to start comparing travel insurance providers for families? The following are our top choices for travel insurance coverage for families.

How We Ranked Family Travel Insurance Companies

To determine the best travel insurance providers for families, we looked at the following characteristics of each insurance provider.

  • Complementary children’s coverage: Select travel insurance providers offer complementary coverage for children with the purchase of an adult policy. We rated these providers highly in our review as many families will include children in travel plans.
  • Cost: Next, we compared the cost of coverage for family-oriented policy choices offered by each provider. Companies with more affordable policies for a variety of traveler ages scored higher than those with more expensive plans.
  • Coverage options: Travel insurance providers with more policy and add-on choices offer customers higher levels of customization. We ranked these providers above those with more limited plan offerings.
  • Types of coverage: Insurance providers with multiple types of coverage included in each plan scored higher than those with more limited benefits. For example, we considered baggage benefits , travel delay compensation, medical evacuation coverage and more.
  • Reimbursement limits: We prioritized recommending companies with higher maximum reimbursement limits for major policy components like trip interruption coverage and lost bags.

Top 6 Travel Insurance Plans for Families

Below is our list of the best travel insurance companies for all-inclusive resort vacations:

  • Travelex : Our pick for budget travelers.
  • Berkshire Hathaway:  Our pick for luxury travelers.
  • Nationwide Travel Insurance:  Our pick for cruise travel.
  • Generali Global Assistance:  Our pick for emergency assistance.
  • Allianz Global Assistance:  Our pick for concierge services.
  • AXA Assistance USA:  Our pick for leisure travelers.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Travelex

Pros and Cons

Why we picked travelex for families.

Travelex is our top-rated choice for family travel insurance thanks to its all-inclusive Travel Select policies. Travel Select plans include coverage for one child under the age of 17 with the purchase of an adult travel insurance policy. You could save up to 50% on coverage by purchasing a plan with Travelex if you have an equal number of children and adults traveling together.

If your family will be traveling as a group of adults, consider Travelex’s Travel Basic policy option, which is available from $60 for low-cost trips. This policy includes a host of general coverages competitive with other travel insurance providers, ranging from up to $15,000 in emergency medical coverage, $150,000 in emergency evacuation coverage and $500 in trip delay benefits. This can be a viable budget option for families looking for affordable individual protections.

Add-On Options

If you want to expand the coverage of your travel insurance plan, Travelex has the following upgrades:

  • Additional medical coverage
  • CFAR (cancel for any reason)
  • Car rental collision
  • Adventure sports cover
  • Flight accidental death and dismemberment

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay $200  for a Travelex plan.

To learn more: Travelex travel insurance review

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection

Why We Picked Berkshire Hathaway

If your family is traveling together, you could have a higher-value vacation that you need to insure. While most insurance providers place caps on the total trip cost they will reimburse, Berkshire Hathaway offers luxury coverage with higher-than-average limits. With the Berkshire Hathaway LuxuryCare plan, you can protect each traveler with up to $100,000 in individual cancellation protection — ideal for high-value international travel.

Berkshire Hathaway’s policies are a bit more expensive than competitors, which means premiums for families will be higher as well. However, its plans are also more inclusive, with up to $1 million in medical evacuation coverage and up to $2,000 for trip delay expenses. Berkshire Hathaway also offers unique plans for adventure travelers and cruise-goers, with specific coverages outfitted to your planned excursions.

Berkshire Hathaway’s LuxuryCare plan covers most travel expenses, such as in a medical emergency. Add-ons are available, but this level of coverage is comprehensive for international travel for families.

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay  $168 for a Berkshire plan.

Generali Global Assistance

Generali Global Assistance

Why We Picked Generali Global Assistance

If you plan to visit an international destination with young children and you want to add another layer of safety, consider a travel insurance policy from Generali.

Generali Global Assistance is our top choice for international travel assistance, as all of its plans include 24/7 multilingual travel assistance that can help you while abroad. This can be a major benefit if you’re traveling to an area where you do not speak the primary language spoken, especially with young children. We also suggest considering Generali’s plans if you are looking for extra assistance planning your family’s trip, as all plans come with complimentary concierge pre-trip assistance.

  • Rental car damage on standard insurance plan, up to $25,000 per person per plan
  • Trip cancellation for any reason on premium travel insurance plan

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay $359 for a Generali plan.

To learn more: Generali Global Assistance travel insurance review

Allianz Global Assistance

Allianz Global Assistance

Why We Picked Allianz Global Assistance

Allianz is another top selection for families looking for free children’s coverage with adult travel insurance. The company’s OneTrip Prime policy option includes free coverage for children under the age of 17. However, you must purchase adult coverage and plan to travel with the child. Like Travelex’s family coverage, this could potentially save up to 50% on insurance costs for family vacations.

The OneTrip Prime policy is one of Allianz’s most comprehensive and inclusive options, with up to $100,000 in trip interruption coverage, $50,000 in emergency medical protections and $1,000 for lost baggage. This policy also includes a few unique inclusions, including up to $500 in last-minute travel itinerary changes.

The following add-on options come with Allianz Global Assistance:

  • Winter sports and ski insurance
  • Cancel anytime upgrade

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay  $250 for a Allianz plan.

To learn more: Allianz Global Assistance travel insurance review

AXA Assistance USA

AXA Assistance USA

Why We Picked AXA Assistance

If you are planning to travel with your family to a remote area or partake in outdoor activities, consider AXA’s travel insurance policies . In the event of a medical evacuation or illness, AXA will arrange complimentary return transportation for a travel companion or unattended minor. In the event of a sudden medical emergency that leaves a minor unattended, AXA will arrange an escort to accompany the child and ensure their safe return home. This can be a major benefit and offer peace of mind if you’re a parent traveling alone with a minor child.

  • CFAR coverage available on the platinum plan
  • Collision damage waiver available on gold and platinum plans

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay $276 for a AXA plan.

To learn more:   AXA travel insurance review

What Does Travel Insurance Cover?

Travel insurance policies often offer a range of coverage options for families traveling together. These include the following:

Trip Cancellation or Interruption Coverage

Trip cancellation coverage refers to circumstances that may force you to cancel a vacation before departure. Trip interruption coverage applies when you may have to cut your vacation short because of unforeseen circumstances. Most insurance policies cover you in both cases.

Medical Coverage

Medical coverage reimburses you for medical costs should you have to pay for a medical emergency or need medical attention. Reimbursable events can include basic health care treatment, ambulance fees or repatriation costs in the event of a death. The maximum limit of coverage varies among insurance policies.

Baggage Loss, Delay and Damage Coverage

Most insurance policies give coverage if your luggage is delayed, lost or stolen on your family vacation (as long as the event isn’t your fault or is out of your control). The maximum coverage you can receive depends on the travel insurance policy.

If possessions within your baggage are particularly expensive or if together they add up to a high dollar amount, you may want your family insurance policy to have a larger coverage limit for baggage. You can also take out single-item coverage for something specific if it’s that valuable.

Does Standard Travel Insurance Cover Family Members?

Standard travel insurance policies cover you and your family members. The difference between standard travel insurance and family insurance is that family insurance typically covers families of two adults with at least one and up to eight children under 18.

With family travel insurance, you are offered peace of mind that your insurance policy has been crafted with families in mind to cover your needs.

Common Add-Ons

Common add-ons for travelers and families can include:

  • Winter sports coverage: For those hoping to ski or snowboard and partake in winter sports activities
  • Cruise coverage: For groups who will be venturing on cruises during their vacation
  • Cancel for any reason (CFAR) coverage : A financial backstop if you  must cancel your vacation outside of the policy guidelines

How Much Does Travel Insurance for Families Cost?

The cost of travel insurance for families will depend on the number of family members, the location of the trip, the trip duration, and the total cost. The table below compares costs for basic coverage for a family of four going on a week-long $8,000 vacation to Mexico:

Is Family Travel Insurance Worth It?

Family travel insurance is necessary if you invest a lot of money for a grand family vacation. Knowing that you have comprehensive cover for every member of your party makes it more convenient for travels when you want protection from a range of eventualities.

With a range of family travel insurance policies available, families have ample choices to find a policy that matches their trip, coverage needs and budget.

Frequently Asked Questions

Can you travel separately on family travel insurance.

Some family policies let you travel separately, but you should check with your insurance provider and your policy terms to see if you’re covered.

Is it better to buy travel insurance as a group or individual?

Buying family and group travel insurance is much more convenient and easier to insure everyone on a trip. Group coverage is also likely to be less expensive than purchasing individual policies for every group member. Children sometimes get included for free in family policies.

Does credit card travel insurance cover a family?

You may have insurance to cover your whole family from the credit card you use to book your trip. This is something that varies by bank. You’ll need to talk to your credit card issuer to ask about travel coverage.

Methodology: Our System for Ranking the Best Travel Insurance Companies for Families

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

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

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Best Family Travel Insurance

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Travel insurance company factors we considered

An overview of the best travel insurance for families, top options for travel insurance for a family, additional resources for family travel insurance shoppers.

Even the best-laid plans can sometimes go awry. This possibility doubles (or even triples) when traveling with a family, which can mean that purchasing family travel insurance may make sense for you.

This type of insurance will cover you and your loved ones if you miss your flight, your partner gets food poisoning, your children’s bags are lost and more. Here are the best family travel insurance plans and the factors we considered, and tips on choosing the best plan for you.

» Learn more: The best travel credit cards right now

We used the following criteria when choosing which travel insurance companies are best:

Cost . Cost can play a huge factor in choosing a travel insurance plan, especially when you’re traveling with multiple people. We compared costs for basic policies to choose the most affordable options. 

Types of coverage . There is a wide variety of coverage options for insurance , including medical coverage and trip protection benefits. We chose those with the widest range of inclusions. 

Coverage amounts . Many policies offer a variable level of coverage; more expensive policies can include higher policy limits, though this isn’t always the case. 

Customizability . Different travelers have different types of needs, which means that we focused on policies that offer customizability as part of their benefits. 

» Learn more: What does travel insurance cover?

To determine the best travel insurance for a family, we compared the price and benefits across multiple insurance companies for a sample trip taken by a family of three from New Hampshire — a 39-year-old father, 33-year-old mother and 3-year-old child. They are traveling to Germany during the winter and estimate a total trip cost of $12,000.

Overall, the average cost of a plan came out to $257.78, though one plan priced out far below the rest.

Here's a closer look at our top five recommendations for travel insurance for families.

Allianz Travel

nationwide travel insurance death in family

What makes Allianz travel insurance great for families:

Family travel medical insurance that includes coverage for pre-existing conditions. 

Customizability includes rental car insurance and Cancel For Any Reason (CFAR) insurance. 

Provides up to $1,000 per person for lost baggage. 

Here’s a snippet from our Allianz Travel insurance review:

“OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.”

The complimentary coverage is useful, especially for families with multiple kids.

» Learn more: Trip cancellation insurance explained

World Nomads

nationwide travel insurance death in family

What makes World Nomads great for families:

Lower-than-average cost. 

Includes adventure sports and activities.

Provides $25,000 non-medical emergency transportation. 

World Nomads is a great fit for particularly adventurous families, as its plans include coverage for over 200 activities. So if you're taking the kids skiing this winter or are planning to backpack the Colorado Trail next summer, this might be a good choice.

» Learn more: Does travel insurance cover award flights?

nationwide travel insurance death in family

What makes AXA great for families:

Covers 100% of trip cost for interruption or cancellation for covered reasons. 

Provides $100 per person, per day for trip delay.

Includes $100 in coverage for airline reissue or cancellation fees. 

Having kids invites a lot of unpredictability for trip planning. Will your oldest bring home a virus from day care? Will your baby suddenly enter a difficult sleep regression that renders you exhausted? Having 100% coverage for trip cancellation can bring families peace of mind when putting big trip deposits down.

nationwide travel insurance death in family

What makes IMG great for families:

Hundreds of dollars cheaper than the other options. 

$0 deductible for medical insurance. 

Up to $5,000 for trip interruption. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

nationwide travel insurance death in family

What makes Tin Leg great:

Lower-than-average cost.

150% reimbursed for trip interruption. 

Customizability, including coverage for pre-existing conditions. 

We like Tin Leg for its affordability. You can pocket the saved cash for more ice cream stops on your trip.

Interested in learning more about travel insurance, including annual family travel insurance and methods to make travel insurance less expensive? Start here.

How to find the right travel insurance for you

How annual or multi-trip travel insurance works

Do you need travel insurance in 2023?

10 credit cards that provide travel insurance

If you’re traveling with family and would like to make sure they’re insured, you can choose to include them in your insurance plan. Most companies will allow you to select the number of travelers in your group when generating a quote.

The definition for immediate family is going to vary based on your insurance provider. Generally speaking, you can expect that your spouse, children, parents, grandparents, in-laws, aunts and uncles all count as immediate family.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

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

No annual fee:   Bank of America® Travel Rewards credit card

Flat-rate travel rewards:  Capital One Venture Rewards Credit Card  

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

nationwide travel insurance death in family

'They do not care': Ex-officer fights for answers in pregnant teen's death, searches for missing people of color

nationwide travel insurance death in family

Kimberly Kite spent five years working in law enforcement before cutting ties, frustrated with the lack of urgency authorities showed in finding missing people of color.

Based in South Carolina, she says she’s all too familiar with the “good ol’ boy” mentality, where citizens are overlooked and treated as if their lives are less valuable than others simply because they’re Black.

Kite said she quit the force 14 years ago so she could help families in ways they truly need her assistance.

“It wasn't the help I wanted to give people,” Kite told USA TODAY on Feb. 28, adding that she didn’t want to focus on giving people tickets and making arrests for the sake of doing it.

When Kite left the force, she was in Eutawville, a community about 55 miles northwest of Charleston.

“My focus really became about giving the people in that town a voice and a say when they have never had that and that's exactly what I did,” Kite said.

The Broken Link Foundation has worked on at least 10 investigations and helped to locate two runaways and Kite, who is white, often speaks out about racism and its role in missing person investigations on her organization’s Facebook page . 

“Why do I have to be Black to see what the problem is, to know what the problem is, to know that it’s not right, it’s not fair?” she asked. “It's in every state. I know that. My state is my focus. I know what South Carolina is made up of when it comes to law enforcement. We are the good ol' boy system.”

Families don’t know who to trust

Kite said her organization never reaches out to families because so often, they live in fear and don’t know who to trust. The Broken Link Foundation doesn’t want to bombard them, she said.

One recent case her organization has been involved in is the search to find out what happened to teenager Maylashia Hogg .

Hogg was nine months pregnant and her labor was set to be induced on Feb. 13, officials told multiple news outlets . She was last seen between Feb. 6 and Feb. 8, a police report provided by the Barnwell Police Department shows.

A family friend, Ariel Timms, reached out to the Broken Link Foundation to ask for help finding the teenager, Kite said. The organization immediately began posting fliers.

“We started contacting other family,” Kite said. “I spoke with her stepfather, who was very close with her. Barnwell City police, Barnwell County Sheriff would never return our calls and on the 18th, Maylashia was found deceased.”

Kite said police never spoke to the teen’s stepfather, nor did they speak to her cousins. They spoke to her aunt, who lives outside of the city, but reported the 17-year-old missing. She said police also spoke to the teen’s grandfather, who she lived with, as well as her uncle.

She said police and the coroner’s office have refused to release the teen’s cause of death, citing an open investigation.

The Barnwell Police Department previously told USA TODAY the South Carolina Law Enforcement Division’s (SLED) Special Victims Unit had taken over the investigation.

“SLED’s investigation is active and ongoing,” wrote spokesperson Renée Wunderlich in an email last month.

Neither Barnwell police, the Barnwell County Sheriff's Office, the Barnwell County Coroner or SLED immediately responded to requests for comments this week.

More on SC death investigation: Pregnant teen found dead in a ditch days after she was to be induced

Teenager was a ‘sour patch’ kid with a good heart

Timms found out about Maylashia when other loved ones posted about her being missing on Facebook. The teen had a history of running away from home, but usually returned shortly after.

“I knew something was wrong because she always, always came back (in) like one or two days,” Timms said. “I knew it was different because she's pregnant. Nine months pregnant, she wouldn’t have just disappeared.”

Multiple loved ones said she was last seen at her boyfriend’s home at the Colony West Apartments in Barnwell. 

Timms reached out to the Broken Link Foundation to ask for help when she noticed the Barnwell Sheriff Office’s post about a white man who was missing from the same apartment complex, Michael Gene Still .

A scan of the sheriff’s office Facebook page shows no individual posts about 17-year-old  Maylashia other than one stating there is no "concrete evidence" that Still’s disappearance is related to her case.

“We continue to work closely with Barnwell Police Dept. to share information and follow all leads,” the sheriff’s office wrote.

Timms, the family friend who contacted the Broken Link Foundation to ask for help finding the teenager, said Maylashia’s life matters just as much as anyone else’s.

She met Maylashia when she was about 4 or 5 years old. 

“She was active,” Timms laughed, remembering the teen. “She had a good heart. She said what’s on her mind.”

She was a handful but she was a good person, Timms said.

Maylashia lost her mother, Charity Hogg, in January 2021. She was planning to make her baby her mother’s namesake and had chosen the name London Charity, Timms said.

“I just want people to know that she was somebody regardless of her past,” Timms said.

Teen’s cousin wants justice for expectant mother

Janearia Rice is Maylashia’s first cousin, related to her through her biological father. Rice lovingly called her cousin a “sour patch” kid. Just two years apart, they’d get annoyed with each other but make up quickly after.

“We would just be friends like nothing happened,” Rice told USA TODAY on Feb. 29. “Sometimes we don't even apologize. We’d just start talking. You can't hold grudges.”

She said police aren’t telling their family much, not even her grandmother. The family had a memorial service for Maylashia with no answers.

“There was no body in the casket,” Rice said, adding that she’s not even sure where her cousin’s remains are. They aren’t sure if the body is still at the coroner’s office.

“These are the questions that this child’s grandmother wants to know and she cannot even get these answers because no one is speaking to her,” Rice said.

Rice said authorities in Barnwell have failed to thoroughly investigate her cousin’s case.

“We just want closure,” she said. “Give us a cause of death or something … Our hearts are aching. We can't sleep at night.”

'Alarming' national trend

Maylashia’s case and the Broken Link Foundation spotlight a disparity seen nationwide.

Black women and girls make up for about 7% of the U.S. population, but accounted for approximately  18% of all missing persons cases in 2022, data from the National Crime Information Center and U.S. Census Bureau showed.

"Those statistics just hit really hard. It's really alarming," Treva Lindsey, a writer and professor of women's studies at The Ohio State University, previously told USA TODAY.

Previously: Americans are fixating on Carlee Russell. What about other missing Black women?

'Finding them safe doesn't happen as often as you want them to'

The Broken Link Foundation, which is working to get answers for Maylashia’s family, is made up of Kite, a dive team, another former law enforcement officer, as well as a researcher who has no law enforcement background but is “phenomenal at investigative research,” Kite said.

Typically when families contact her foundation, Kite has an idea as to whether she’s trying to find someone safely or make a recovery.

“Finding them safe doesn't happen as often as you want them to,” she said. “Typically when we're called in, usually it’s down the road and it's when a family realizes that ‘Hey, police are not doing what they're supposed to be doing.’ There's no communication in our state unless it's a blond haired, blue eyed, white female. The police don't care. They do not care.”

Police typically don’t care if missing people have a history of addiction or are runaways either, she said.

“It's a junkie,” she said she has heard detectives say. “Why am I going to waste my time?”

The foundation has been involved in the search for Jamilla Shanaé Smith , who was reported missing on Dec. 3 . Her ex-boyfriend has been charged in relation to her death but her remains have yet to be found.

The Broken Link Foundation has also helped find runaway teenagers who ended up in other parts of the U.S., including one who was in Florida with a man in his late 30s she met gaming online. 

“Had they listened to the families and not gone by their personal bias opinions, they would’ve found these girls sooner,” Kite said.

The same could be said for Maylashia, Kite said, whose name was known because she ran away from home multiple times prior to her death.

“When Maylashia went missing this time, they didn't send out dogs,” Kite said. “They didn't send out drones. They didn't go look for her. They put out fliers. That was all they did.”

She added that search efforts for the 47-year old white man missing from the same apartment complex, Michael Still, involved dogs and search parties .

“They had everything out for him,” Kite said. “There's no equality. There's no fairness.”

The search to find out what happened to Maylashia and her unborn child is still on, Kite said.

Kite handles many of the group’s tasks on her own, including running the organization’s Facebook page, distributing fliers and advocating for families.

But help may be on the way, she said.

“Maylashia’s case has brought in a lot of people reaching out about volunteering, which is a good thing,” she said.

To reach the Broken Link Foundation, visit www.facebook.com/Brokenlinkfoundation .

Saleen Martin is a reporter on USA TODAY's NOW team. She is from Norfolk, Virginia – the 757. Follow her on Twitter at @SaleenMartin or email her at [email protected] .

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James D. Robinson III standing in a doorway wearing a blue shirt and red tie with his hands resting on the doorknob and works of art visible on the wall to his left.

By Robert D. Hershey Jr.

James D. Robinson III, who as chief executive of the American Express Company from 1977 to 1993 helped transform Wall Street into a more competitive financial marketplace, with a wide diversity of businesses housed under single roofs, died on Monday in Roslyn, N.Y., on Long Island. He was 88.

The death, at a hospital, was caused by respiratory failure from recurrent pneumonia, Walter Montgomery, a spokesman for the family, wrote in an announcement.

A soft-spoken son of the Georgia gentry, Mr. Robinson followed a well-worn path to financial success, power and influence: from private school to the Ivy League and then on to the moneyed canyons of Lower Manhattan, with side trips to the corridors of Capitol Hill.

In Washington, he was among Wall Street’s most influential advocates for deregulating the financial industry and widening its horizons. Some called him the unofficial secretary of state for corporate America.

The deregulation he fought for was largely accomplished with Congress’s repeal of the Depression-era Glass-Steagall legislation in 1999. As a result, commercial banks became empowered to underwrite and trade corporate securities and own insurance companies.

This cultural shift also prompted the securities industry to respond with increasingly sophisticated and complex computer-enabled products. Among them were highly leveraged derivatives that figured importantly in the market meltdown of 2008.

But while Mr. Robinson subsequently acknowledged that financial deregulation “went too far,” he never argued for the reimposition of Glass-Steagall restrictions, which had erected a wall between investment banking and retail banks.

Mr. Robinson may have been best known to the public for his role in the epic $25 billion battle for control of RJR Nabisco in 1988 and his dismissal by disgruntled shareholders.

In the Nabisco episode, an Amex-owned investment firm, Shearson Lehman Hutton, was the financial backer of an RJR Nabisco management group that sought to control the company in a bidding war that was ultimately won by Kohlberg Kravis Roberts & Company.

“I was a facilitator trying to bring the sides together,” Mr. Robinson said in an interview for this obituary in 2016.

That takeover stood as the biggest business deal on record for almost a decade and was called by some the high point of a new gilded age.

The struggle was chronicled in Bryan Burrough and John Helyar’s best-selling 1989 book, “Barbarians at the Gate: The Fall of RJR Nabisco.” The book was the basis of a 1993 HBO movie in which Mr. Robinson was played by Fred D. Thompson , who later became a United States senator from Tennessee.

Mr. Robinson’s career was most defined by his putting American Express in the vanguard of his era’s corporate boundary-stretching.

“We coined the term ‘diversified financial services industry,’” Mr. Robinson said in the interview, in his Midtown Manhattan office (where an abstract painting by Frank Sinatra hung on a wall).

During his tenure, the American Express travel and charge-card empire expanded to include Shearson Lehman Hutton; First Data Corporation, a payments concern; Investors Diversified Services, a mutual fund company; and the Fireman’s Fund Insurance Company. American Express also operated an international bank.

Mr. Robinson made an unsuccessful bid in 1978 for the McGraw-Hill Publishing Company and at one point considered acquiring the Walt Disney Company.

But the prosperity of the late 1980s and early ’90s turned into what he called a “dark period” as the stock market and brokerage business slumped and merchants, in what became known as the “Boston fee party,” revolted nationwide over the high cost of accepting American Express cards.

The rebellion forced the company to cut its so-called discount rate — about 4 percent per transaction — to match that of its credit-card competitors, which were charging one-third as much.

Disgruntled stockholders and directors forced Mr. Robinson to resign in 1993, at 57.

Within a year he had joined his son and Stuart J. Ellman to form RRE Ventures, a New York venture capital firm investing in new information-technology companies.

His ouster from American Express came a decade after he had presided over the pressured departure of Sanford I. Weill, the Wall Street titan whose securities empire had been absorbed by American Express under Mr. Robinson.

The brash, Brooklyn-born Mr. Weill, who started his Wall Street career as a messenger, and Mr. Robinson, a patrician Georgian, made a cultural odd couple. When Mr. Weill’s proposal to buy Fireman’s Fund, which he headed, was rejected by the Amex board, he decided he had to leave.

Mr. Weill thought Mr. Robinson bureaucratic and indecisive. But in the 2016 interview, Mr. Robinson challenged a widely held belief that Mr. Weill was the risk-taker and that he was risk-averse. Actually, Mr. Robinson contended, “it was the opposite.”

James Dixon Robinson III — sometimes called “Jimmy three sticks” because of his use of Roman numerals — was born on Nov. 19, 1935, in Atlanta to James Dixon Robinson Jr. and Josephine (Crawford ) Robinson. The son and grandson of prominent Georgia bankers — his father was chairman of First National Bank of Atlanta — he grew up with two sisters in the city’s affluent Buckhead district.

One neighbor, the celebrated golfer Bobby Jones, helped inspire Jimmy to start playing the game at 8, offering the occasional tip. His 2016 curriculum vitae listed seven golf club memberships, including Augusta National (founded by Jones), and nine former golf club memberships.

After attending Woodberry Forest, a private school in Virginia, Mr. Robinson enrolled as a day student at the Georgia Institute of Technology, where he studied industrial management. After graduating in 1957, he joined the Navy, which assigned him to the nuclear submarine base at Pearl Harbor in Hawaii as a disbursing officer, or paymaster. In the meantime he took New York Stock Exchange correspondence courses. That same year he married Bettye Bradley, with whom he had two children.

After his discharge in 1959, Mr. Robinson enrolled at the Harvard Business School and earned an M.B.A. in 1961. He began his business career at Morgan Guaranty Trust Company and after five years was named assistant to the chief executive, Thomas S. Gates Jr.

In 1968, Mr. Robinson became a partner at White Weld & Company, where he developed an interest in venture capital. He joined American Express in 1970 as an executive vice president, recruited by Eugene R. Black Sr. , an Atlanta native, Amex director and former head of the World Bank. Mr. Robinson became president in 1975 and chairman and chief executive in 1977.

He was also chairman and chief executive of Shearson Lehman Brothers, American Express’s brokerage subsidiary.

He resigned in early 1993 after a boardroom battle over his continuing in the job. Major shareholders sought his ouster. The Times reported that he had left behind a company with “crumbling morale,” erratic earnings and losses, and a declining stock price. Analysts, investors, some board members and even his predecessor, Howard L. Clark Sr., had turned against him.

His marriage to Ms. Bradley ended in 1983 after she had an incapacitating brain aneurysm, he said, and asked for a divorce.

In 1984, he married Linda Gosden , a high-profile public relations executive who later advised him during the RJR Nabisco battle. She is the daughter of Freeman F. Gosden, co-creator and a voice of the radio program “Amos ‘n’ Andy.” As he became active in philanthropies and fund-raising for Republican candidates, Mr. Robinson and his wife became prominent members of a glittering New York social scene, living at the famously exclusive address 778 Park Avenue.

He is survived by his wife; his two children from his first marriage, James IV and Emily Cook; two children from his second marriage, Nicholas and Olivia Robinson; his sister, Frances Huber; and six grandchildren. Mr. Robinson lived on Park Avenue in Manhattan.

At 80, when asked when he planned to retire, Mr. Robinson said, “Three years after I’m dead.” He added that if his dreams for technological progress were realized, “I may be able to deliver on that.”

Robert D. Hershey Jr. , a reporter who for many years covered Wall Street finance and economics for The Times, died in January. Alex Traub contributed reporting.

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