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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

To see the most accurate plan information and pricing Get a Quote

Ratings and reviews

Our customers rate the Nationwide Mutual Insurance Company Essential on our site
(4.63) of 5
on average based on 6277 reviews.
A.M. Best Rating
Better Business Bureau Rating
Always nice to have trip insurance when we travel!
John C.
Nationwide is not on your side. I booked multiple trips and purchased multiple insurance plans with Nationwide. They failed every time. They acted poorly right out of the gate - starting with not returning calls to not paying a very small claim. I worked hard to minimize any losses even though I had insurance (or so I thought). My insurance cost $218 and my claim was a mere $283. I even emailed the CEO and never heard back. Apparently their poor way of treating people starts at the top. I was shocked at how devious and cheap they were. I have used other companies that charged more but settled claims quickly, fairly and honestly. Do yourself a favor and shop elsewhere. I do like InsureMyTrip - they did try to act on my behalf.
Randy P.
Claim: 59572 My plan was purchased in 10/27/2019, months before COVID. This company looks hard to find an excuse to not honor trip cancellation, despite claims of "standard in the industry" or that they "regret" not fulfilling their moral obligations to honor the contract. It is my strong opinion that they have small print used to deny payments for legitimate claims, that this company does not deserve your trust or business. Nationwide certainly will never have my business. The natural disaster is COVID. Travel to Europe from the U.S. is not allowed, as the entire U.S. is being quarantined from the EU. The hotel accommodations in Italy are not habitable by any U.S. citizen. Additionally, I am a hospital worker potentially exposed to COVID patients daily. I must quarantine 14 days before allowing myself come in close contact to unsuspecting travelers, because it is morally correct. It is not possible to actually travel. I do not think that I would be allowed to stay at my hotel if I were possibly contagious, if I were allowed to travel to Europe! Regardless, I was reimbursed for most of my travel (airfare) by the airlines, so I was not even expecting to be reimbursed for the entire amount of my coverage, only a portion of the coverage for which I paid. Unlike other reputable businesses, this company does not warrant your business, in my opinion.
Marc S.
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