Nationwide Essential

The Essential plan is a good option for travelers who are planning trips on a budget, but don't want to sacrifice coverage. Optional coverages such as Rental Car Collision coverage, Accidental Death 24-Hour and Accidental Death Flight are available. You must purchase the plan within 10 days of your initial trip payment, insure the full pre-paid, non-refundable cost of your trip and meet all eligibility requirements to have Financial Default coverage and the Pre-Existing Conditions Waiver included on your policy.

There are many other valuable coverages included within this plan:

  • Trip Cancellation and Trip Interruption to protect your financial investment
  • Baggage coverage if your bags are delayed or lost during your trip
  • Medical coverage for unexpected medical and dental emergencies
  • Emergency Medical Evacuation if the attending physician recommends that your condition warrants transportation to another hospital.
  • Assistance services that are available to you 24/7 prior to and during your trip

Because you don't know what kind of unforeseen curve balls life may throw at you, it is best to look into this plan soon after making your initial payment so that you have the most available coverage.

The plan information below is nonspecific. To see actual amounts and to check plan availability, get a quote.

Plan Info
Plan Type
Comprehensive
View Certificate
View Certificate
Refund Policy
10 Day Review Period
Insurance Underwriter
Nationwide
AM Best Rating
A+
Years in Business
89

Coverage amounts are per person, unless otherwise noted.
Click a coverage to read details or view the full certificate.

Trip Protection
Trip Cancellation
Trip Cost
Trip Interruption
Trip Cost + 25%
Financial Default
10 day wait if insurance purchased within 10 days of Initial Trip Payment
Terrorism in Itinerary City
Foreign & U.S. Domestic
Interrupt for Any Reason
Cancel for Any Reason
Baggage Loss
$600
$250 per article limit
$500 combined max. for specified items
(secondary)
Baggage Delay
12+ hours
$100 max.
Travel Delay
6+ hours
$150/day
$600 max.
Supplier Default
Medical
Medical Limit
$75,000 (secondary)
Complications of Pregnancy
Terrorism
Dental
$500 Incl. in Medical (secondary)
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
Waiver
If insurance purchased within 10 days of Initial Trip Payment and certain conditions are met
Lookback Period
60 Days
Pre-Existing Condition Period
Evacuation
Medical Evacuation
$250,000
Evacuation from
Evacuation to
Evacuation criteria
Accidental Death
24-Hr Full Coverage
$0 (+$)
$5,000 (+$)
$10,000 (+$)
$25,000 (+$)
Common Carrier
Included in Accidental Death 24-Hour
Flight Only
Note: Your Accidental Death-Flight amount depends on the amount you select for Accidental Death-24-Hour
$0
$100,000
$250,000
$500,000
Additional Benefits
24-Hour Emergency Assistance
Yes
Rental Car
$0 (+$)
$25,000 (+$)

Plan Assist
Roadside Assist
Available to
U.S. Residents

Customer Ratings

Our customers rate the Nationwide Mutual Insurance Company Essential plan on our site

(4.67)
on average based on 1769 reviews.

Better Business Bureau Rating
A

A.M. Best Rating
A+

Latest Reviews

Nationwide Mutual Insurance
Essential
Love using InsureMyTrip! They offer the most affordable plans and provide the same coverages as any other trip insurance and maybe even more!
Natasha M.
Nationwide Mutual Insurance
Essential
Great plan. Offers more for almost the same price as other plans.
Marina T.
Nationwide Mutual Insurance
Essential
Great customer service! Best coverage at the best price!
Shawn R.
See all reviews

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