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
Did not use…
TY E. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
The only frustration was when we thought we had to submit a claim for lost luggage and was directed to another website. When attempting to input the dollar amount of each item lost, you were unable to just type in the amount. Instead, I had to sit at the computer and repeatedly tap and hold down the key because the dollar amount would only register ONE PENNY at a time. This is ridiculous, time consuming and unnecessary in this day and age of technology. Other than that it was okay.
Josephine C. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Nationwide Mutual Insurance
Essential
DId not need to use it, but given the cost, was very happy to know it was there should I have needed it.
Gearoid G. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Easy to purchase, good value.
Paul S. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
With aging parents, all of our trips require this type of insurance. It's a nice comfort in case of an emergency.
Kevin S. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
It is difficult to rate a plan when you did not have to file a claim. My ratings would have been far different if I had to file a claim. Ratings would be very positive if the claim was easy to file, processed quickly, and resulted in losses being covered. Any difficulties would have resulted in negative ratings.
Micki R. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
I am so disappointed with the fact that you are not assisting us with our loss of time and money. Our trip was delayed because of the airline not because of any fault of our own. Please know that I bought this insurance to make sure if anything happened we would be reimbursed if something happened out of our control. Please review our case again. We lost so much. Thank you, Gail Simpson and Donald Jarvis
Donald J. would not
recommend this plan to a friend or relative.
6 of
6 people found this review helpful
Nationwide Mutual Insurance
Essential
Nationwide Mutual Insurance hides behind bureaucracy to delay processing claims.
I had a family doctor visit (non-emergency, neither requiring hospitalization) during my international trip. I submitted a claim for only $60, after few weeks I got an email from Nationwide Travel Claims asking me to submit a letter/documentation from my primary insurance stating if my policy does cover medical expenses incurred outside of the United States. I contact my primary insurer who explains in a letter that they ONLY cover excess of $350, and ONLY for emergencies or hospitalization.
After few weeks, I receive another email from Nationwide Travel Claims asking me to provide a copy of my primary health insurer’s Explanation of Benefits indicating the amount paid or denied for the submitted charges, which THEY KNOW that I cannot provide because my primary health insurer won't cover those charges as documented in the letter that I already sent them the first time they contacted me.
In summary, **Nationwide hides behind bureaucracy to delay processing the claims**
I had a family doctor visit (non-emergency, neither requiring hospitalization) during my international trip. I submitted a claim for only $60, after few weeks I got an email from Nationwide Travel Claims asking me to submit a letter/documentation from my primary insurance stating if my policy does cover medical expenses incurred outside of the United States. I contact my primary insurer who explains in a letter that they ONLY cover excess of $350, and ONLY for emergencies or hospitalization.
After few weeks, I receive another email from Nationwide Travel Claims asking me to provide a copy of my primary health insurer’s Explanation of Benefits indicating the amount paid or denied for the submitted charges, which THEY KNOW that I cannot provide because my primary health insurer won't cover those charges as documented in the letter that I already sent them the first time they contacted me.
In summary, **Nationwide hides behind bureaucracy to delay processing the claims**
Miguel M. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
Nationwide Mutual Insurance
Essential
Purchased land arrangements then 12 days later purchased airfare. Understood financial default covered if purchase within 10 days of initial purchase and within 10 days of any additional arrangements purchased, so figured whole trip cost covered. After all, couldn't purchase for full amount until after got air fare to get there. Land supplier defaulted & stole our money. Filed claim. Twice they said they hadn't received my claim documents. Third time they decided I should have purchased within 10 day sof land arrangements, then somehow amended my purchase to add the airfare after I purchased it, & so denied default claim for land arrangements. Policy language certainly misleading, & I've been a lawyer for 42 years so if I didn't understand it...how could a non-lawyer? I won't purchase a Nationwide policy ever again.
Andrew T. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
Nationwide Mutual Insurance
Essential
I inquired about documentation needed to file a medical claim since I got sick while abroad. I received a wrong answer first --Nationwide sent me the form for a trip cancellation, which was not the case, and then Nationwide answered with the correct form several weeks later, on the day I was traveling back. It is totally unacceptable for the insurer to answer an inquiry about documentation weeks (between 2 and 3 weeks) later. Once you leave the country you are visiting, it will be very hard to get any missing paperwork.
Daniel C. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful