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
2,560
ratings and reviews
98%
recommended
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Cruise
Filed claim
The trip included a
tour
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
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
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
Satisfaction
Claims not filed
  • 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
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
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
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
Due to a major change in flight schedule by Delta, I was granted a full cash refund of my ticket price. This occurred some 6 weeks prior to departure date. Was told by InsureMyTrip no refund.
George M. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Zac
    Photo
    Thank you for your feedback on the policy. We are sorry to learn that you were dissatisfied with your experience. The policy premium could not be refunded due to the cancellation request occurring outside of the 10 day review period.

    The following excerpt has been taken from the Nationwide Mutual Insurance Essential policy certificate:

    "All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time."

    Please call us at 800-487-4722 if you have any questions or concerns.
    Mar 25,2016
Nationwide Mutual Insurance Essential
I purchased this for peace of mind. I was traveling with someone else and wanted to make sure we had trip coverage in case we got sick and also if there was a long delay or if I were needed back home for a family illness. Nothing happened, it was a safe trip, However I felt better because I had insurance.
Martha L. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
I think this is a reasonably priced comprehensive plan. I'd advise people to take a good look at what their home insurance, credit cards, and health plans offer, too so as not to take more coverage than they need to do.
Deborah 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
I was happy with the insurance plan and I told 5 people about it on vacation and they said they were going to use it on their next trip.
Jeffrey C. 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
Didn't need to file a claim, but found to be best plan for the money
Brad 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
So my policy covered lost items in my case, or so I thought. I explained the situation to Nationwide via telephone and the rep was confident I would be reimbursed, so she sent a claim form. I provided all documentation and original receipts, including my new purchase receipt to replace the lost item. After filing a claim with Nationwide, I got the following response for a pair of $30.50 fins that were lost. Nationwide's response was:
"The policy purchased specifically excludes coverage for 'mysterious disappearance' and 'imprudent action or omission."
Why have a policy that claims to cover "lost" items when EVERY response to a lost item logically could fall under "mysterious disappearance" or "imprudent action or omission." (My item was left behind while waiting for a taxi at the beach- the taxi was late, we were on the other side of the island, needing to get back to a cruise ship).
I contacted InsureMyTrip after my denial. I was told a representative would telephone me the next business day. After waiting almost two weeks and not hearing back I posted the review.
A Senior Representative from InsureMyTrip did call quickly after I submitted my review. He was sincerely apologetic since no one followed and he contacted Nationwide immediately and went to bat for me in this case. Despite his efforts, Nationwide held firm and gave some excuses/reasons that did not fit the claim I am told- I should have filed with other companies first, but I did not lose the item in their property.

However, InsureMyTrip emailed and told me they are going to cover the cost of the fins which they did not have to do!

I've booked/recommended many other people/couples through InsureMyTrip and they have always been professional AND competent- in dealing with them from booking insurance, asking questions after booking, or having to inquire about claims. That is a rarity these days. Thank you.

Side notes: I could have called back to follow up myself but I am dealing back and forth with a few other companies (unrelated) for myself and other people and just got tired of it all, so I submitted a review first. My ratings for the plan are based on the claim denial. I would advise to call them and speak to the actual claims person if you have any questions prior to booking your insurance. Also, consult the list of exclusions for lost/stolen items. Thank you
Steven Z. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
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