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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
(4.64) of 5
on average based on 6260 reviews.
A.M. Best Rating
Better Business Bureau Rating
We got insurance to help cover issues, which luckily didn't come up. But it was good to have peace of mind in case we needed to use it!
Thomas G.
I want to thank Nationwide and Oncall for the excellent service in getting me home from out of the country as well as the coverage and (as promised) responded to my claim in just under 15 business days. All of the staff that my wife and I spoke with during this difficult time were friendly, efficient and provided answers to all of our questions. I received an additional invoice from the ambulance company after I filed the original claim and you had approved. I called to ask how I should submit this additional claim and you gave an answer and a simple process on how to send it. Thank you to all and we will certainly use your insurance again in the future and have already recommended you to family and friends.
Glenn H.
Happy to have the coverage and even happier I didn’t need it.
David H.
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