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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 Alaska rated the Nationwide Mutual Insurance Company Essential plan
4.60 out of 5
149
ratings and reviews
99%
recommended
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Cruise
Filed claim
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
This was the first time we had ever purchased travel insurance. If we ever do again, we will definitely not be using Nationwide. Even after my insurance paid as primary, Nationwide rejected my claim as they were our secondary insurance for this trip. Interesting that my medical insurance had no issues processing their portion of the claim, but we paid extra for this travel insurance and then they won't even process the claim.
Jeffrey R. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    Thank you for your comments. After receiving your review, we reached out to Nationwide for a response. Here is their reply:

    “According to the documentation provided, you are requesting reimbursement for an acupuncture treatment while you were on your cruise. The Emergency Sickness Medical Expense coverage provides reimbursement for Covered Medical Expenses which are necessary services and are ordered or prescribed by the attending Physician. Unfortunately, you were not treated by a physician while on the cruise that ordered or prescribed you to receive an acupuncture treatment.”

    Although it is unfortunate to hear that you are not satisfied with the denial of your claim, the decision was made in accordance to the terms of your policy.
    Dec 09,2019
  • JeffreyR
    Photo
    The acupuncturist on board treated me for vertigo after spending 2 days in my room. From the web..."Medical acupuncturists are physicians (e.g., medical doctors, osteopaths [osteopathic physicians], dentists) who have completed additional training in acupuncture."
    I received this treatment so that I could function which I believe would be a necessary service. Thank you~
    Dec 09,2019
The trip included a
cruise
Nationwide Mutual Insurance Essential
Nice to have some piece of mind during travel in these turbulent times!
David G. 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
Very pleased with the coverage and price; very thankful there was no need to file a claim but felt very covered if we would have needed it.
Florence M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
didn't need to file a claim, but felt protected that we had the coverage. will definitely purchase again.
Albert P. 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
Simple, easy to obtain. Cost was very good. Great coverage. Great reviews online. Glad I never had to use them but would get this insurance again.
Drew M. 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
Great plan, reasonable cost!
Deborah R. 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
Great, affordable policy. Allowed us to relax and enjoy our vacation!
Savinder C. 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
Fortunately I did not have to use the policy. It was less expensive than the insurance sold by the cruise line.
Danny S. 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
I had a medical emergency while on an Alaskan Cruise. Getting a response from the company (how to file a claim, required documentation, etc.) was kind of slow, 2-3 weeks to answer an e-mail, but the claim was paid with no issues. Nationwide had the best price for my needed coverage. Overall a great value.
Dennis S. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
Unfortunately my trip was interrupted with the flu. We were restricted to our stateroom for two days.
This insurance paid for all medical costs on the ship as well as two days of the ship's fare while we were restricted.
Very pleased with the plan. It took a bit over 30 days to receive payment, but that's to be expected with any insurance plan.
Dorothy R. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
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