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 product page.

Customers rated the Nationwide Mutual Insurance Company Essential plan
4.66 out of 5
2,565
ratings and reviews
98%
recommended
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Cruise
Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Essential
We incurred costs for hotel, taxis and food due to missing our connecting flight in Miami. So even though American Airlines was horrible to us, Nationwide was great. They processed our travel claim quickly and painlessly. I will definitely use them again!
Robert C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
Nationwide Mutual Insurance Essential
It is very easy to meet all needs until one has to file a claim. Purchasing is easy. We did not have to file a claim so I can't really evaluate if the policy and company meet needs. My main needs are cancellation, interruption, medical, or existing condition coverage. Who knows what I pay for everything else that I don't need and have covered elsewhere.
merle f. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
I've never had to file a claim for travel insurance before so I was apprehensive but I had picked this plan based on the good reviews. The first time that I called the phone number listed in my policy to open a claim, nobody picked up so I left a voicemail. This policy processes its claims with a company called Coordinated Benefit Plans LLC. Unexpectedly, someone called me back the same day and they were very courteous on the phone. They sent me an email with the information they needed for filing a travel delay claim, but they attached the wrong document. When I replied by email to explain that they didn't attach the claim form, I received no response by email. However, when I called, they were very responsive and apologetic. I emailed my claim form and all backup documentation as instructed but I received no confirmation of receipt or any indication that my claim was being processed. I called after a few days and they confirmed that my claim was being reviewed. About 5 days after I emailed my claim, I receive an email indicating that my claim for trip delay was approved. I received a check in the mail within 2 weeks. I think my claim was straightforward so it was easy to process. It was pretty hassle free.
Angela C. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
Nationwide Mutual Insurance Essential
Didn't need it so it worked perfectly! ;-)
Sonja 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
Having travel insurance gave me peace of mind.
Lawrence T. 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
On day five of our cruise someone became seriously ill and needed to get back to the States for care. We detoured to Grand Turk where the person and his family were taken to the airport and airlifted to Florida. I certainly hope this man had trip insurance that covered the medical transport as well as the medical bill from the care he received on the ship. For me, the medical coverage is the most important part of trip insurance. I could survive loosing the cost of the cruise but a $30,000 hit for medical expenses could be devastating.
Michael F. 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
Had two issue with this plan.

1) Keys were lost in FLL airports security check. Long story short, I waited 20+ minutes for a pat down and in the process my keys were lost/stolen/taken. I guess the fine print does excludes keys, and a long list of other things someone might normally lose.

2) I had a medical issue. My ears stopped up with wax (after going underwater) on a snorkel/sail trip. My hearing was down to almost nothing afterward. I started to show signs of illness/infection related to this a couple days later. I called Nationwide several times, only to get passed around to several other reps (sound familiar?). After finally getting someone to respond, I was not given an answer if seeing the doctor would result in compensation from Nationwide.
Even though I explained the situation in detail, they said they could not guarantee payment and I would have to fill out a claim when I returned home!
As a result, I went to the pharmacist in Curacao and they sold/advised me on peroxide, and Royal Caribbean's ship nurse was nice and gave me a syringe. After some doctoring for 1+ hours, I was able to resolve my issue.
The doctor bill from Royal Caribbean would have been over $300.00.
Bottom line, I did not feel any "peace of mind" from Nationwide. It was just the opposite! I Will look elsewhere next time.
Steven Z. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Zac
    Photo
    Thank you for your feedback on the policy. We are sorry to learn that your keys were lost during the trip. Unfortunately, as you have pointed out, keys are excluded from Baggage and Personal Effects coverage. This exclusion is an industry standard and not exclusive to Nationwide travel insurance products.

    In event that you were treated by the ship doctor and were billed for the treatment/medication, you would be required to pay those expenses out of pocket and file a claim for reimbursement. Symptoms of an ear infection are certainly something to seek immediate treatment for, however, it is not typically an example of an illness or injury that would result in a guarantee or advance of payment from a travel insurance provider.

    Please let us know if you have any questions or concerns by calling 800-487-4722.



    Mar 25,2016
The trip included a
cruise
Nationwide Mutual Insurance Essential
I would never travel on vacation without travel insurance. Although I was lucky and didn't need to use the insurance, it gave me peace of mind at a reasonable price.
Ira C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
I didn't end up filing a claim, but the process to get the coverage was easy and it was nice knowing that the coverage was there if it was needed.
Brian G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
Nationwide Mutual Insurance Essential
Happy that I didn't have to use it.
Janice S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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