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Nationwide Essential

The Nationwide Essential plan is a good option if you are planning a trip on a budget, but don't want to sacrifice coverage.

With coverages like trip cancellation, trip interruption and baggage protection, this plan includes the standard comprehensive travel insurance coverages. It also features some additional options. You can add the optional coverages for rental car collision if you are planning on using a rental car during your trip. Be sure to call your rental car company to verify if they will honor this coverage.

If you purchase the plan within 10 days of your initial trip payment; insure the full pre-paid, non-refundable cost of the trip; and meet all the eligibility requirements you could qualify for additional time sensitive benefits, such as financial default coverage and the pre-existing conditions exclusions waiver.

This plan also includes medical coverage for unexpected medical and dental emergencies. If you qualify for the pre-existing conditions exclusions waiver, you could receive treatment for illness or injury associated with that pre-existing condition, regardless of the lookback period. The plan also includes emergency medical evacuation if the attending physician recommends that your condition warrants transportation to another medical facility.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Highlighted Coverages

Trip Cancellation
Trip Interruption
Pre-Existing Condition Lookback Period
Medical Evacuation

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
U.S. Residents
AM Best Rating

Trip Protection

Trip Cancellation
Trip Interruption
Terrorism in Itinerary City
Interrupt for Any Reason
Cancel for Any Reason

Accidental Death

Common Carrier
Included in Accidental Death 24-Hour
Flight Only
Note: Your Accidental Death-Flight amount depends on the amount you select for Accidental Death-24-Hour


Medical Evacuation

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Optional Coverages
Confirmation of Coverage

Your Quote

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Ratings and reviews

Our customers rate the Nationwide Mutual Insurance Company Essential on our site
(4.64) of 5
on average based on 6267 reviews.
A.M. Best Rating
Better Business Bureau Rating
After looking at many travel insurance providers, we chose Nationwide. Unfortunately, my wife got sick and had to go to the medical center on the Carnival Breeze. We filed with our primary insurance and with Nationwide. My primary applied the entire amount to our deductible. Nationwide paid the entire amount. Yes you have to provide ALL the documents needed and it does take a while. Our cruise was in January and we got the check the 1st week of April. It took longer for my primary to process the claim. Once they received the necessary documents, Nationwide paid in about 15 or so days. We’re very happy with the process. Thank you Nationwide
Robert W.
I waited until I submitted my claim on trip interruption part to see how it went. They came through and I received the amount claimed, after filing the proper information. I will also say I needed to contact them at least twice to make sure I understood what was needed for my claim and the agents I emailed and/called on phone were very helpful in aiding me to file properly. I appreciate all that was done, as I have never had to submit any claims on my many past trip coverages. Naturally I would recommend them after this proven positive experience. Oh by the way, I needed to file this claim after I returned home around March 9-12 2020. Note that date - around the time the worldwide coved 19 just started to become an issue!! So I was a bit stressed as I had returned home immediately after all this corona panademic began unfolding in the US. NOTE: ALWAYS KEEP all records and receipts from the moment you plan an insure your trip until you arrive home, as you will need such records to submit along with your claim. Without proof you cannot expect reimbursement (obviously)
Ralph M.
Due to my father's death we had to cancel a trip to Sweden and Denmark. Once we submitted all the paperwork (electronically), the claim was processed quickly and the payment sent. The amount we requested and substantiated was sent. We did take the time to provide a lot of documentation which probably helped make our claim an easy one to process. I would use Nationwide again for trip insurance.
Cynthia J.
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