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
View Certificate
View Certificate
Refund Policy
10 Day Review Period
Insurance Underwriter
AM Best Rating
Years in Business

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
If insurance purchased within 10 days of Initial Trip Payment
Terrorism in Itinerary City
Foreign & U.S. Domestic
Cancel for Any Reason
Baggage Loss
$250 per article limit
$500 combined max. for specified items
Baggage Delay
12+ hours
$100 max.
Travel Delay
6+ hours
$600 max.
Supplier Default
Medical Limit
$75,000 (secondary)
Complications of Pregnancy
$500 Incl. in Medical (secondary)
Emergency Medical Expenses
Pre-Existing Conditions
Sudden Recurrence
If insurance purchased within 10 days of Initial Trip Payment
Lookback Period
60 Days
Pre-Existing Condition Period
Medical Evacuation
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
Additional Benefits
24-Hour Emergency Assistance
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

on average based on 1517 reviews.

Better Business Bureau Rating

A.M. Best Rating

Latest Reviews

Nationwide Mutual Insurance
Awesome. Thankfully, we didn't have to use it. The peace of mind was wonderful.
Thomas G.
Nationwide Mutual Insurance
The flight after a cruise was cancelled due to bad weather, and we got home a day late. As a result, we had a night in a hotel and four meals. We submitted the claim and the claim was approved and paid promptly.
Jordan F.
Nationwide Mutual Insurance
For a small claim of $300, they sure made us jump through a lot of hoops to get it paid. It took about 6 weeks to receive the check. However, they did make good and paid the claim as stated in the policy however.
See all reviews

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