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 2495 ratings and reviews.
98% of customers would recommend this plan to a friend or a relative.
the United States
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Filed claim
Nationwide Mutual Insurance Essential
Quick processing! Great service!
Melissa I. would recommend this plan to a friend or relative.
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Satisfaction
  • Empty Comment
Nationwide Mutual Insurance Essential
I was satisfied with this plan, but it's hard to accurately rate until you need to file a claim.
Joan R. 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
This plan gave us some peace of mind for a rather expensive short vacation.
Suzann E. would recommend this plan to a friend or relative.
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Value
Claims no claim filed
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  • Empty Comment
The trip included a
Nationwide Mutual Insurance Essential
did not need to use - expensive coverage
Russell M. 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
One of our flights was canceled. The policy from Nationwide would not pay for the lost day of our vacation. The airline canceled the flight and we lost a nights lodging expenses. A canceled flight was not a covered interruption. I am very disappointed.
John 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 are sorry to learn that your flight was cancelled.

    We would be happy to review the policy benefits with you. Please consider calling us at 800-487-4722.
    Apr 14,2016
Nationwide Mutual Insurance Essential
Thankfully, I did not have any travel problems. But it was nice to have peace of mind.
David R. would recommend this plan to a friend or relative.
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Value
Claims no claim filed
Satisfaction
  • Empty Comment
Nationwide Mutual Insurance Essential
Happily, I didn't have anything to claim, so I can't really comment on whether it was good or bad!
Sabra J. would recommend this plan to a friend or relative.
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  • Empty Comment
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
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.
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Value
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Satisfaction
  • 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
Claims no claim filed
Satisfaction
  • 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
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