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Travel Insurance Reviews Nationwide Essential

The Essential plan from Nationwide Mutual Insurance is for travelers planning trips on a budget who don't want to sacrifice coverage. Coverages include Trip Cancellation and Interruption, Medical, Emergency Medical Evacuation, and Assistance Services.

To learn more, see the Nationwide Essential trip insurance product page.

Customers who have visited Jamaica rated the Nationwide Mutual Insurance Company Essential plan
4.68 out of 5
113
ratings and reviews
96%
recommended
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Cruise
Filed claim
Nationwide Mutual Insurance Essential
Always nice to have trip insurance when we travel!
John C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
This travel insurance thing is a pretty good scam. If you look at all of the glowing reviews you see comments like “I didn’t need to use the plan” “...but it gave me piece of mind.” LOL. Seriously? How can you give glowing reviews to something you never used? Folks wake up and look at the ratings for people who DID TRY to use the plan. We purchased this plan months before the Coronavirus even existed. Our vacation to Jamaica had to be canceled because they were quarantining arrivals for 14 days. Fortunately our flight was with airline miles that were given back to us. We got a travel bank credit for tax money that was extended well beyond the normal time frame. The resort also offered a full credit for use until the end of 2021 AND a resort credit of $200 for goodwill even though none of this was their fault. And then we have Nationwide Travel Insurance. We asked for a refund of this unused policy due to a once in a lifetime event so that we could repurchase a plan when we rescheduled our trip. We got “you are outside the 10 day review and cancel window”. Really? Almost every other business in America is bending over backwards to help out customers. Nationwide? Not happening at Nationwide. If you ever need to file a claim with Nationwide, we wish you luck. We will have a hard time EVER purchasing another plan from Nationwide. We look forward to another legalese response just like all of the other ones provided when someone posts a less than stellar review.
James J. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Megan
    Photo
    Thank you for your feedback.

    We are happy to hear that Nationwide is able to hold the policy for use on future travel.
    Sep 22,2020
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
Much more affordable than the plans offered by the the travel agent.
Victor T. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
We have used this plan multiple times and never made a claim, but it gives piece of mind while traveling.
Carol T. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
Best prices for travel insurance and you pick what you can afford to pay.
Joseph M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
Best price we could find, with the coverages we wanted!
Kimberly C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
Nationwide Mutual Insurance Essential
Consumers Beware - Do Not Purchase this Company Plan. Before you make your decision - read their policy carefully!!!
The Plan I purchased includes coverage for trip delay at $150 per day - which by default, in all other insurance companies I used in the past - covered the unused part of your prepaid expenses (with a maximum daily limit). However, Nationwide Mutual Insurance Company does not cover that and does not explain that in their policy before you purchase it. My flight was canceled and I made it to my destination 24 hours later. I filed a claim due 24 hours delayed arrival to my vacation, but my claim was denied. According to their rules, they only pay for the additional expenses that happened due to the delay, and not the lost unused portion of you package. The way I see it - it is a highway robbery. I had similar situation before with other insurance companies, and even though I did not get the amount I actually lost by prepaying, I did get their maximum per day that was described in the policy. I do not recommend this policy to anyone and will never buy coverage from Nationwide Mutual Insurance company again.
Faina K. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Melissa J.
    Photo
    Thank you for your feedback on the policy.

    You had the following coverage for unused nonrefundable trip costs, under Trip Interruption:
    Weather that causes complete cessation of services of the Common Carrier for at least twenty-four (24) consecutive hours
    and prevents You from reaching Your destination.

    You are correct in stating that the Trip Delay coverage is for expenses that you incurred while delayed.

    In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.
    Jun 05,2017
  • Melissa J.
    Photo
    .
    Jun 05,2017
The trip included a
cruise
Nationwide Mutual Insurance Essential
We were to leave in the morning to travel to Miami for our cruise, my mom had to go to the ER and passed away with an aneurysm. The cruise line refunded the port fees, taxes and in room items, we had purchased, but not the $2000 in fares. Nationwide sent me the forms and I was able to get the information back to them within a week. The claim was processed and we were notified by secure email that our claim would be paid. Less than a week later, we received the checks for the amount. I will buy insurance from now on and from Nationwide!
Brian H. would recommend this plan to a friend or relative.
3 of 4 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
Nationwide Mutual Insurance Essential
Insurance was very reasonably priced and although we (thankfully) did not need it, we had peace of mind when traveling out of the country.
Ruth P. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
Fortunately, we didn't have to use the insurance so this info is to the best of my knowledge. I did like the good customer care I received through Insuremytrip.
Allen L. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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