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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.

Customers who have taken a cruise and visited the Bahamas rated the Nationwide Mutual Insurance Company Essential plan
4.74 out of 5
350
ratings and reviews
98%
recommended
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Cruise
Filed claim
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
We had to file a claim. We were on a cruise and my husband needed medical assistance. I called the number with the policy (the ship provided a phone line), and the rep could confirm we had a policy but not guarantee specific coverage. I get it--they're not claim adjustors. He gave me the number of someone else, who did the same. So I didn't get the confirmation/explanation I was looking for, but went ahead and hoped for the best.
Great results: filing was easy. Did everything on line when I got home. Glad I had purchased the policy shortly after we booked the trip because I didn't have to worry about the pre-existing conditions clause. (Wouldn't have applied, but didn't want any possible snags.) Got an email from Nationwide saying they had received the claim within a day. Two weeks later I have a check mailed to us for the full amount of the medical charges. (And medical charges on a ship are EXPENSIVE!) I wish their website would have been able to give an update, but I can live with that. I would buy from them again!
Diane T. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
I had to visit the Medical Center onboard the ship. The charge was approximately $300. I was able to file a claim online while I was still on the ship. Within two weeks I was reimbursed for the total amount. Very pleased with the process to file a claim.
Robert d. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
I’ve used Insure My Trip to book insurance for several trips and will continue to do so. I’ve also had Nationwide multiple times. Luckily, I didn’t have to file a claim this trip but have in the past. Nationwide made the claim process easy and reimbursement was timely.
Charlotte A. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
To me, it's almost ludicrous to ask me my opinion on an insurance policy that I purchased but didn't utilize. Honestly, the value of a policy only reveals itself once you need it. Then, you realize whether it helped, covered as expected, or was easy to deal with. The up front cost wasn't bad, but I'd have not a clue about whether it's good, fair, or bad coverage or policy.
Thanks for asking, but your questions are moot.
Andrea P. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
I didn’t have to use this insurance so I can’t speak to how easy it was to get reimbursed for any medical expenses (which is why I purchased it). I did however see an ambulance take someone off our ship, and also spoke to someone who had had to use trip insurance, and their story reminded me of why I get it, even when I haven’t needed to use it in my travels.
Leanna R. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
I’ve used your company several times and always feel safe.
Phyllis B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
The cost was reasonable for what we spent on the trip, but it is Insurance. If you need it, you're glad you have it, if you don't use it, it is a waste of money.
Gerald G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
The only thing I did not like about my trip was the internet. I paid premium price and wished I hadn't. Never again.
Delphine G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
Didn't use, but had peace of mind knowing we were covered.
Marcus S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
Flights were changed by the airline 2 months prior to trip and the times did not work for us so we cancelled our trip. Nationwide would not cover our claim for a cancelled trip (was only requesting the deposit). We booked another trip for the same week as the cancelled trip and after denying our claim they would not allow us to transfer the insurance we paid for to the rescheduled trip. So we were out the money from the original trip and we had to purchase a new insurance plan for the rescheduled trip. I contacted InsuremyTrip to see if they could do anything to help and they said I had to go through Nationwide. I contacted Nationwide and they said I had to go through InsuremyTrip. I would never use Nationwide or InsuremyTrip again.
Steven P. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
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