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 2489 ratings and reviews.
98% of customers would recommend this plan to a friend or a relative.
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Filed claim
The trip included a
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.
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  • 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
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.
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Claims no claim filed
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  • 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.
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  • Empty Comment
The trip included a
Nationwide Mutual Insurance Essential
Happy that I didn't have to use it.
Janice S. would recommend this plan to a friend or relative.
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  • Empty Comment
Nationwide Mutual Insurance Essential
Without a claim you can't really rate an insurance company.
Thomas V. would recommend this plan to a friend or relative.
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  • Empty Comment
The trip included a
Nationwide Mutual Insurance Essential
Nationwide had everything we wanted in travel insurance at a great price!
Paul B. would recommend this plan to a friend or relative.
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  • Empty Comment
The trip included a
Nationwide Mutual Insurance Essential
Since I didn't need to use insurance, I'm not sure if all items were covered. However, the price was great and I felt confident having it. Would definitely use it again.
Laurilyn K. would recommend this plan to a friend or relative.
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  • Empty Comment
The trip included a
Nationwide Mutual Insurance Essential
peace of mind-priceless
Mark N. would recommend this plan to a friend or relative.
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  • Empty Comment
The trip included a
Nationwide Mutual Insurance Essential
Reasonable price; good basic coverage; much more cost effective than the plan offered by the cruise line.
Neal E. would recommend this plan to a friend or relative.
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Claims no claim filed
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  • Empty Comment
Nationwide Mutual Insurance Essential
Having this insurance made our trip even more relaxing and enjoyable. Thank You!
Michael V. would recommend this plan to a friend or relative.
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Claims no claim filed
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  • Empty Comment
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