Nationwide Mutual Insurance Essential
I had an unexpected opportunity to check out the claim service, thanks to a winter storm-induced air travel delay. Filing the claim was convenient, since documentation can be submitted via email. The settlement check arrived a week later. My only quibble is that I didn't receive any update on the status of my claim before I received the check - I'd received an initial response to my filing, advising me to allow up to 15 business days for review, so I was expecting to have to wait a while longer to find out if I needed to submit more supporting material. (My only other experience with filing a claim on travel insurance, with another company in connection with the Icelandic volcanic eruption, had led me to anticipate the possibility of a much less satisfactory and businesslike interaction. I finally succeeded in extracting payment from that firm, after a few months and numerous phone calls.)
Bottom line: This policy seems like a good value, if the potential for arbitrary exclusion of legit medical claims doesn't bother or apply to you; and at least for a minor claim (amounting in my case to little more than the initial cost of the policy), I received speedy and straightforward claims processing service.
I bought this policy primarily because it was the least expensive package policy with an acceptable level of international medical coverage, plus it offered decent trip cancellation, interruption and delay coverage. I almost bypassed it because it has a ridiculously broad exclusion on medical claims stemming from exposure to "biological substances" (suggesting that treatment of common ailments such as infections might not be covered), but a deep dive into the fine print revealed that this limitation doesn't apply in the state where I reside. It would have been nice if the IMT customer care rep with whom I discussed my concerns had pointed that out.
Roger F. would recommend this plan to a friend or relative.
16 of 16 people found this review helpful