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.
Nationwide Mutual Insurance
Essential
I did not need to use my policy but felt secure nonetheless.
Yolanda Pugh G. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Until you need to use a policy like this, there is no way to evaluate it. I have not had that opportunity.
Brian N. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Thankfully we didn't need to use our coverage but it's good to know we had it if we needed it.
Stefano P. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
We've purchased Nationwide Essentials policies for about five trips. Our most recent was the first for which we had to cancel the trip and make a claim. It turned out that we over-insured, because the pre-existing condition waiver, which we wanted, requires all non-refundable prepayments to be insured, and I wasn't aware that our airfare bought through the cruise line, plus the prepaid specialty dinners and excursions, were refundable from the cruise line. So our claim was only for about 50% of our insured amount. I made sure to provide the claim dept with all the details requested. They never responded by email after I submitted the claim, but instead just mailed a check for the claimed amount, so that was a nice "surprise" when it arrived. My only complaint was one claims dept phone rep; I called two days after emailing in all the documentation, because I wanted to make sure they received everything I sent, and that they could read the documents. The rep was not helpful, and just kept telling me they had 15 days to respond to my claim. He also first told me they hadn't received my claim form, which turned out not to be true. After quite a round-about discussion, he finally looked at some of the documents (he didn't seem to want to be bothered to check them all for me), and the one that I sent as Word doc instead of a PDF was unreadable, so I re-sent it as a PDF. This unhelpful rep was an unusual experience, because I spoke to several other folks in the claims department before I filed the claim, and they were able to answer my questions for me. If I needed to, I would have called back to get a better rep to help me. Also the InsureMyTrip chat staff has always be extremely helpful and knowledgeable, both during my insurance purchases, and when I had questions about my claim.
Susan N. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Nationwide Mutual Insurance
Essential
I never had to use it but it did give me peace of mind while traveling
Linda W. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
We fortunately did not need to file a claim, but in anticipation of the trip and while we traveled we were able to relax and enjoy our trip knowing we were covered for trip cancellation, interruption and medical.
Allen B. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Plan seemed to be all encompassing for our potential needs. Fortunately we did not have any issues.
Peter G. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Our bags from our trip were delayed. We still have not received them, but they have now been located. The max claim limit for delayed bags is GROSSLY insufficient at $100. We spent well above that buying clothing, cosmetics, toiletries, swimsuits, shoes for our vacation. We landed in Rome and had NOTHING other than what we were wearing and had in our backpacks. It is shameful to offer only 100 dollars for delayed bags. This insurance was a waste. I will not buy it again.
Megan F. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
Nationwide Mutual Insurance
Essential
Easy to purchase, good value.
Paul S. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
I did not have to file a claim or use the policy but the peace of mind having it while I was abroad is priceless. Of course, had I needed to invoke any of the coverage, the ease or difficulty of doing so could change my opinion.
Kathryn C. would
recommend this plan to a friend or relative.