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
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
The trip included a
cruise
Nationwide Mutual Insurance Essential
Was a great feeling to know I was protected both before and during our cruise. Have purchased another plan for an upcoming cruise.
AMY B. 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
Did not have to use it. On a cruise ship for 7 nights and living in the city where the ship departed from, there really was no issue in lost luggage or delayed flights. I was more concern if one of got sick and or I have an 90 year old mother, that I was worried about. But everyone was fine and did not need insurance.
Stanley K. 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
This has been a positive experience for me and I will never travel without insurance again.
Debra E. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
We missed our cruise.Due to blizzard in New York we were not able to fly out.I by travel insurance 3-4 times a year always wondering, if i ever have to file claim,will i be reimbursed?And guess what?In 2 weeks after Nationwide Mutual received my claim,i received the checks with no hassle.Thank you,Insure my trip and Nationwide.
Diana L. would recommend this plan to a friend or relative.
3 of 3 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
I am glad I had trip insurance and glad I did not need to use it. I will buy another policy for our next trip.
Jeffrey S. 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
Fortunately I did not have to use the insurance but it gave me peace of mind knowing I had coverage. The price seems fair and less expensive than that which was offered through the tour service I was using. Definitely call and talk to an agent - extremely helpful!
Lorraine M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
Had to cancel one trip and reschedule due to a medical issue. As always, Nationwide is a pleasure to deal with and they respond quickly, even if they need more information, to handle a claim. Of all the traveling we do, we have had to file a couple of claims over the past year, and they have been great to work with. I think the best of the best when it comes to protecting a significant trip.
steven e. 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
It was good to have peace of mind knowing if something happened, we had protection.
Dale W. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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