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

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 5005 reviews.
A.M. Best Rating
Better Business Bureau Rating
No claims; no problems.
Linda M.
Claim was processed successfully but very slowly (3 months from filing to check). Cancellation resulted from traveling family member's unexpected surgery. Claim form (from claims processor in Florida subcontracted by Nationwide) asked for rights to access her complete medical records over an extended period. Instead, she provided a formal letter from her surgeon. Since the amount claimed was little more than $100 over the cost of the policy premium, she/I felt this demand to access huge amounts of confidential health information was way out of line. Buyer beware; in processing claims, claim processors may automatically ask for intrusive access to someone else's health records. If you (or they) are not willing to provide this, try pushing back but realize that you may ultimately be forced to either forego your claim or reveal medical information belonging to whichever party "caused" the claim. These days privacy has a real value and claims processors should adapt by asking only for what can be reasonably required to fairly process the claim in front of them. In this instance, Nationwide's claims processor acted reasonably; they did not press for anything more than the surgeon's letter and did not reject the claim automatically because I didn't sign anything granting them permission to go where they didn't need to go.
Adrian H.
i dudn’t need to file a claim but my review is based on the availability of the plan information, cost, and the customer service. I’ve used InsureMyTrip during several cruises and even though I have never needed to file a claim, I would recommend this plan to others.
Bessie P.
See all reviews