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
Nationwide Mutual Insurance
Essential
no problems, did not have to use insurance
Joann M. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
This was not worth purchasing and was absolutely more stress than help. Our trip was delayed two weeks because we tested positive for COVID. I thought at least we have trip insurance to help us with the cost of changing the trip. Unfortunately, we tested positive for COVID about 36 hours before traveling, and we were informed that we needed to have a doctor appt before our departure time in order to receive any coverage. Not to mention the plan administrators told me it was fine to go on the trip anyways because my destination did not have COVID testing restrictions. You are not supposed to go into see a doctor for COVID unless you have symptoms requiring emergency treatment. Luckily I convinced a doctor to meet with me virtually that day just to write a note for my travel insurance. Hopefully this would have worked but it turned out I couldn't file a claim anyways.
After this, we were informed that in order to have coverage on our new trip dates, we would not be able to file any claims for reimbursement of the costs of changing the trip.
In addition, when looking at the policy later, any change fees for flights are covered at a very low amount (not even close to the policy coverage amount for cancellation).
All in all, we did not use the policy and could have used the money from the policy for our flight change fees, which would be much less stressful and cheaper. I recommend getting flights and hotels that can change somewhat easily instead of getting this policy.
After this, we were informed that in order to have coverage on our new trip dates, we would not be able to file any claims for reimbursement of the costs of changing the trip.
In addition, when looking at the policy later, any change fees for flights are covered at a very low amount (not even close to the policy coverage amount for cancellation).
All in all, we did not use the policy and could have used the money from the policy for our flight change fees, which would be much less stressful and cheaper. I recommend getting flights and hotels that can change somewhat easily instead of getting this policy.
Kirsten M. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Did not use, but easy to buy and had good coverage, The most important aside from trip interruption and all that is the medical treatment and evacuation with good limits.
CURRY H. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Fortunately did not have a need to file a claim with our purchased policy, but the piece of mind knowing it was there in the event it was needed was well worth it.
Richard S. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Claim processed and paid within 30 days of submission.
Marie H. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Didn’t need the plan but glad I had it just in case I did.
Jennifer K. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
I did not have to use any of the services this policy provided, so I have no experience dealing with the company. It covered the important trip risks and concerns at reasonable levels.
Shawn M. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
very easy to file online. Quick decision in less than 30 days.
Miriam C. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
Nationwide Mutual Insurance
Essential
Fortunately, we did not have to cancel our sailing trip and file a claim. However, I am an insurance broker and reviewed the policy thoroughly and was surprised at how broad and inexpensive the coverage was....
Thomas M. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
For the price of the essential plan offered by the cruise line ( that didn’t cover much ), I felt protected by a much stronger plan offered here.
Charles H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful