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

Protect your trip with cancellation, interruption, delay and medical benefits.

Highlighted Coverages

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

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
AM Best Rating
Years in Business

Trip Protection

Trip Cancellation
Trip Interruption
Terrorism in Itinerary City
Interrupt for Any Reason
Cancel for Any Reason
Baggage Delay
Supplier Default


Medical Limit
Complications of Pregnancy
Emergency Medical Expenses

Pre-Existing Conditions

Sudden Recurrence
Lookback Period
Pre-Existing Condition Period

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
Evacuation from
Evacuation to
Evacuation criteria

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
(4.66) of 5
on average based on 2643 reviews.
A.M. Best Rating
Better Business Bureau Rating
My wife and I have traveled with another couple for the last 15 -20 years. We get along great and in my wife's case know each other since childhood. Anyway, not to prolong the story, we had planned our vacation this year for Hawaii - several days on Honolulu and then a cruise around the other islands. A week or so before the trip the spouse of our travel companions had some bad results to medical tests she took and as it turns out needed open heart surgery. As a result of this we certainly did not want to travel while she was undergoing this procedure. After submitting all of our documentation to Nationwide, within less then two weeks and without any questions beyond the documentation we submitted, we received a check in full for our entire trip. That is service personified. PS: Most important, our friend's wife had the surgery yesterday and is doing well. That is the best news!
Arnold F.
Always better to have and feel protected with insurance just in case. Not many detailed comments since I didn't have to use it. I felt price was a bit high, but got least expensive as to what was offered.
Diann F.
Didn't need it, but was very glad to have it. It was easy and reasonably priced.
Sandra S.
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