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
tour
Nationwide Mutual Insurance
Essential
hard to say
fortunately we did not use the plan
fortunately we did not use the plan
WILLIAM K. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
It felt good knowing that we had coverage. We did miss our connecting flight and knowing that we were protected in case our luggage was lost put us at ease.
Jesse S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
We didn't need to use it but it was good piece of mind just in case of emergency. Good price too
Heidi S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
For medical reasons we needed to cancel our trip. After submitting required paper work a full refund was issued within three weeks
Denise D. would
recommend this plan to a friend or relative.
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
The response time from Nationwide is horrible. It is a minimum of 3 weeks to get a response via email. When I finally got my claim approved after SEVERAL months, the amount received was less than what we claimed with no explanation given. Avoid Nationwide at all costs. It will save you a lot of headaches, stress, and time.
Nedas J. would not
recommend this plan to a friend or relative.
8 of
8 people found this review helpful
Nationwide Mutual Insurance
Essential
Ended up cancelling our trip to Spain due to what has been going on with the coronavirus. Made the cancellation before the 10 day window expired. Spoke to customer service who advised there were no refunds for NY residents. This contradicted what was in the certificate online in my account. They said it was in the confirmation email which of course was buried in fine print. Having purchased multiple plans using this service in the past this was extremely frustrating. Had an easier time getting credit from the airline who were much more supportive. I will be looking elsewhere to purchase insurance for my future travels.
THOMAS Y. would not
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
My wife has some chronic medical issues so we need protection when we plan a trip. I shopped around and found this company. This was a great value and it offered multiple choices of plans. We almost needed it while traveling but fortunately everything worked out, but it was nice knowing that the policy was there. I will buy again on our next trip.
Michael C. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
Had to cancel trip due to medical reason. The claim form asked a lot of questions that weren't really relevant to the situation but representative said they had to be answered anyway. Other than that, it was fine and claim was paid in full.
Renee H. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
You can’t really review until you filed a claim. Fortunately, we never have.
Brad P. would
recommend this plan to a friend or relative.