Travel Insurance Reviews for 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 rate the Nationwide Mutual Insurance Company Essential plan
(4.66 out of 5)
based on 2488 ratings and reviews.
98% of customers would recommend this plan to a friend or a relative.
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Filed claim
Nationwide Mutual Insurance Essential
Unsure at this point as to whether I would recommend plan or not--we'll see how they handle our claim; weather canceled our fight and the next available flight w/ seats was 24 hrs. later; because other flights left the airport later in the day, the airport was classified as not being "closed" and thus trip interruption was not declared--only trip delay. I was, and still am hoping that the first night's lodging at our destination which was pre-paid would be covered, but apparently only a new room at the delayed location is considered a covered, reimbursable expense. As we went back home, Nationwide is claiming no coverage for the night's lodging of our "delay" that we had pre-paid. I understand the legalese of contract terms, but it seems to me that trip insurance is taken out to protect the pre-paid expenses. We'll see if they will cover the dinner we had out as we had no food in the house. Fortunately, the other plans we had for the day/night we couldn't get to our destination were either rescheduled for the next day, or cancelled without penalty. I shudder to think based upon what Nationwide told me about our lodging, what might have happened if we had decided to go to one of the newer high-end restaurants that insist upon pre-payment in advance and no refunds if you don't show for the meal.
Rosemary h. would recommend this plan to a friend or relative.
Coverage
Value
Claims
Satisfaction
  • Zac
    Photo
    Thank you for your feedback on the policy.

    Unfortunately, your claim did not fall under the terms and conditions of the Trip Interruption benefit, and as a result the pre-paid expenses could not be reimbursed. However, the maximum Travel Delay benefit was paid to reimburse the.reasonable additional expenses.

    Please call us at 800-487-4722 if you would like to review policy benefits.
    Apr 14,2016
The trip included a
Nationwide Mutual Insurance Essential
Fortunately, We did not need to use our coverage, however there were others on the trip ( or not on the trip) that lost a lot of money because life happened and they ( some or all) couldn't go.
Robert N. would recommend this plan to a friend or relative.
Coverage
Value
Claims no claim filed
Satisfaction
  • Empty Comment
Nationwide Mutual Insurance Essential
Purchased for adequate coverage at low price, never needed to file a claim so cannot speak to how satisfied I would be if the plan were actually needed.
Jennifer L. would recommend this plan to a friend or relative.
Coverage
Value
Claims no claim filed
Satisfaction
  • Empty Comment
The trip included a
Nationwide Mutual Insurance Essential
a OK
stanley r. would recommend this plan to a friend or relative.
Coverage
Value
Claims no claim filed
Satisfaction
  • Empty Comment
The trip included a
Nationwide Mutual Insurance Essential
We did not need to make a claim, but family traveling with us had to cancel and did file a claim. Nationwide's call center representative gave misleading information that our family's claim would be covered. After submitting the claim it was denied. It wasn't until we later appealed that Nationwide offered coverage.
Edrick L. would not recommend this plan to a friend or relative.
Coverage
Value
Claims no claim filed
Satisfaction
  • Zac
    Photo
    Thank you for your feedback on the policy. We appreciate your business.

    We are sorry to learn that your traveling companion's claim was initially denied. However, based on your review, it appears that the claim was paid after submitting an appeal. If that is true, we are certainly pleased about the outcome. In future, if you or a traveling companion experience a claim issue on a travel insurance plan purchased from InsureMyTrip, please contact us and request a Customer Advocate. Our toll free phone number is 800-487-4772 and our email address is customercare@nsuremytrip.com.
    Mar 25,2016
Nationwide Mutual Insurance Essential
The right coverage and price for my trip.
Margarita M. would recommend this plan to a friend or relative.
Coverage
Value
Claims no claim filed
Satisfaction
  • Empty Comment
The trip included a
Nationwide Mutual Insurance Essential
Our return from a skiing trip to Big Sky Montana was delayed for three days by winter storm Jonas. When we were notified of our flight cancellation, I immediately called the toll free claims number. The rep I spoke with was very polite and issued a claim number and emailed me a claim form. As requested, I kept receipts for my extra nights in the hotel and food for the delay days. After three days we were able to get a return flight home. Within three days I filed a claim. Within three weeks of filing my claim, I received payment in full for my extra hotel and food costs during my travel delay. I could not be more pleased!!
Thomas G. would recommend this plan to a friend or relative.
Coverage
Value
Claims
Satisfaction
  • Empty Comment
The trip included a
Nationwide Mutual Insurance Essential
Almost had to use the cancellation feature. Thank goodness we had it if needed.
Kathleen B. would recommend this plan to a friend or relative.
Coverage
Value
Claims no claim filed
Satisfaction
  • Empty Comment
Nationwide Mutual Insurance Essential
Did not file a claim - didn't need to, thankfully but had a peace of mind.
Olga M. would recommend this plan to a friend or relative.
Coverage
Value
Claims no claim filed
Satisfaction
  • Empty Comment
The trip included a
Nationwide Mutual Insurance Essential
Better deal than the travel company offered. It was great to have the peace of mind. Covered the complete travel trip. I highly recommend. I will use them again for all my trips in the future.
Steven L. would recommend this plan to a friend or relative.
Coverage
Value
Claims no claim filed
Satisfaction
  • Empty Comment
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