Travel Insurance Reviews Nationwide Essential
The Essential plan from Nationwide Mutual Insurance is for travelers planning trips on a budget who don't want to sacrifice coverage. Coverages include Trip Cancellation and Interruption, Medical, Emergency Medical Evacuation, and Assistance Services.
To learn more, see the Nationwide Essential trip insurance product page.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Fortunately I did not have a claim for this trip but Nationwide has been very good about changes to my trips so felt comfortable using them this time.
Deborah W. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
My destination in Cayman Islands required coverage for Covid. Initially, I wasn’t sure if that coverage was included so I read through all the fine print to check. It would be helpful to see coverage for Covid included in the summary policy description.
Patricia C. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
Nationwide Mutual Insurance
Essential
The Nationwide Essential Plan worked well as to coverage and cost. However, it took about 2 months to receive compensation for losses. I had to re-submit twice some of the documents because they were on the website in my emails and the format was not what they could read. So be careful to save all trip documents and in a PDF format or at least a Word format so they can read them. It took 2-3 weeks the first time before they even contacted me about re-submitting some of the claims, then another 2 weeks for the second round. Finally, I hadn't heard anything for 2 weeks or so again, and a check shows up in the mail. So the plan works but you have to be very patient to get your coverage if you have a loss.
Deborah H. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
Nationwide Mutual Insurance
Essential
Well, it seemed like the plan offered the coverage I wanted and needed. But I didn't have a claim. Having filed a claim once before (with a different company), I can say that a claim is where the rubber meets the road and where one finds out more about the company than if you just rent their insurance for a while and don't have a claim. So, no complaints about Nationwide Mutual, and the coverage seemed reasonable and reasonably priced. But no claim experience. (The program forces you to choose a satisfaction rating, which is too bad, because I was satisfied, so I gave them 5 stars, didn't seem right to punish them, but it doesn't mean much when there's no claim. Really, there should be a "not applicable" or "no claim" choice for the satisfaction rating.)
James E. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
For me, the value of this type insurance is the amount of medical evacuation coverage it provides. You can buy policies for about the same amount which do not provide the same medical evacuation coverage.
Steven F. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
We had to change our travel plans due to the hurricane. We had not made any claims against the insurance company. They were very helpful and switched our insurance to the new destination without having to buy a new policy.
David J. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Nationwide Mutual Insurance
Essential
We filed a claim for medical reasons and received a full refund within a timely manner. Customer service at Nationwide was patient, friendly and helpful both when selecting a plan and when needing to file a claim. I recommend Nationwide as it truly is "on your side!"
Cynthia S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Used before and will continue to use for my trips. Thanks!!
Robert F. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Glad I bought this travel insurance for my cruise, and most importantly that I or my boyfriend did NOT have to use it.
Lorena H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Unfortunately my cruise was cancelled, but fortunately the cruise line reimbursed us for the cost of the cruise. I didn't insure our airfare because it was partially paid w/ skymiles and that was my own fault for doing it that way. Since the cruise line only reimbursed our cruise cost we ended up paying a lot out of pocket because of our flights. I have always been very happy with the fight insurance we buy and I'm sure it would have worked great under normal circumstances.
Deborah K. would
recommend this plan to a friend or relative.
"If an insurance plan or provider receives less than the 4-star rating in our Customer Ratings and Reviews, we will remove it from our site."
Thank you for your continued support
If you need our assistance in quoting and selecting a plan, please request an online chat or call us at 800-487-4722 to speak to one of our knowledgeable customer care representatives.