The Nationwide Essential plan is a good option if you are planning a trip on a budget, but don't want to sacrifice coverage.
With coverages like trip cancellation, trip interruption and baggage protection, this plan includes the standard comprehensive travel insurance coverages. It also features some additional options. You can add the optional coverages for rental car collision if you are planning on using a rental car during your trip. Be sure to call your rental car company to verify if they will honor this coverage.
If you purchase the plan within 10 days of your initial trip payment; insure the full pre-paid, non-refundable cost of the trip; and meet all the eligibility requirements you could qualify for additional time sensitive benefits, such as financial default coverage and the pre-existing conditions exclusions waiver.
This plan also includes medical coverage for unexpected medical and dental emergencies. If you qualify for the pre-existing conditions exclusions waiver, you could receive treatment for illness or injury associated with that pre-existing condition, regardless of the lookback period. The plan also includes emergency medical evacuation if the attending physician recommends that your condition warrants transportation to another medical facility.
Comprehensive travel insurance plans offer the most benefits and optional coverages. These plans provide the best protection for the investment made in a trip.