I think it would have been nothing more than a mention of "So, Worf, how's the wife?" I'm drawing a blank on how they got Worf on the ship in Insurrection, I think the Defiant just "happened" to be in the area, so no need to see her there. Maybe she would have been with Worf at the wedding in Nemesis, but with so many TNG characters already there is just not room in the script for her. Now that I think of it, isn't there a line in one of the movies where someone asks Worf about his wife or "How's married life?" or something like that? Or am I just making that up in my head?