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.
When you purchased your Essential policy, Nationwide Mutual did include a 10 Day Review Period:
"All premium is non-refundable after a 10 day review period. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due."
Since you canceled your trip for an uncovered reason back on 01/10/2019, you were well outside the 10 day review period so there would be no refund of your premium.
However, as we advised you back on 01/10/2019, you could have used this policy for another trip as long and the new trip occurred prior to 08/10/2019 since Nationwide policies require that your departure date must be within 365 days of your original policy purchase date of 08/15/2018.
Please call us at 800-487-4722 if you did schedule a new trip so that we can discuss changing the travel dates on this policy.