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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 Puerto Rico rated the Nationwide Mutual Insurance Company Essential plan
4.49 out of 5
73
ratings and reviews
93%
recommended
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Cruise
Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Essential
I bought it for my peace of mind in case of some unexpected events occurs. It did the job for a reasonable rate.
Evelyn D. 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
did not have a need to use any portion of the policy
James 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
always important to have ..
Annetta S. 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
Excellent coverage. Great response on the "Travel Delay" Claim !
DONALD S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
Great piece if mind while traveling abroad
Michael H. 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 can't reiterate enough the peace of mind you get when traveling with insurance. The basic plan is enough coverage for my trip.
Evelyn D. 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
It was a little on the high price
Barbara B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Nationwide, as do most insurance providers, calculates their Compre-hensive Plan premiums based on the traveler's age, cost of trip and length of trip.

    In the future, you may wish to call us for assistance at (800) 487-4722 when quoting and purchasing a policy.
    Dec 04,2018
Nationwide Mutual Insurance Essential
Vieques was hit hard by Hurricane Maria. There is no electric utility service at my destination, though there is an occasional electric generator. Being a CPAP user, nighttime electricity is essential for me. But, Nationwide Mutual considers the hotel "habitable," so my claim was denied. I was only looking to recoup non-refundable costs ($300 total) related to Vieques since I made alternate arrangements to stay in San Juan. So, I am disappointed.
Douglas C. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We are sorry to learn that you are dissatisfied with this plan. We appreciate you using InsureMyTrip for your travel insurance needs. As a travel insurance comparison website, InsureMyTrip offers dozens of plans from different providers. In the future, please consider calling us prior to purchasing a plan so that we can assist you in selecting the most cost effective policy that covers as many of your primary concerns as possible. Our toll free telephone number is 800-487-4722. We look forward to assisting you in the future.
    Mar 01,2018
Nationwide Mutual Insurance Essential
We were unable to go on the trip b/c the owner of the place we were staying (Airbnb) said the electricity and water were still not quite 100% (we were supposed to have gone to Puerto Rico).
The agent I spoke with told me the owner would have to state that the Airbnb was “uninhabitable” for us to start a claim. Well, I was not going to ask her to lie - her apartment is not “uninhabitable” by definition - but not having the comfort of knowing for certain that we would have power and water 100% of the time coupled with knowing that a lot of areas in PR are still not really for tourists — we decided it would be best not to go at this time.
The insurance wasn’t going to cover it. We ended up losing $200 to one Airbnb (we had 2 units to cover the whole time span), $400 to the airline and the $158 for the insurance.
Stacey B. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Kyle
    Photo
    Thank you for providing feedback on this policy.

    We are sorry to hear that you were unable to take your trip. The Nationwide Essential policy has a strict set of covered reason that the insurance company would cover in the event of a cancellation or interruption of your trip. They state:

    "(e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable."

    This terminology is the standard amongst most of our policies and the only way to cover a situation where your accommodations are in fact habitable would be with a Cancel For Any Reason benefit, which was not included on your plan.

    Here are the requirements for this benefit, if you feel like this is something you would like to include on your next policy. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.

    Please feel free to contact us if you have any further questions or concerns. Our licensed representatives are available 7 days a week and can be reached at 1-800-487-4722.
    Jan 05,2018
The trip included a
cruise
Nationwide Mutual Insurance Essential
BUYER BEWARE!!
We have been purchasing trip insurance through InsureMyTrip and Nationwide for years. On Dec. 16, our flight was canceled meaning we could not reach our cruise destination of San Juan and had to meet the cruise a day later in St. Kitts. I felt sure our trip interruption portion of our policy would cover the cost of missing one day of a very expensive holiday cruise. Wow, was I wrong. When I called Nationwide, I was told unless the airport is completely shut down, the cancellation of a flight is not covered. I was told there was no need to file a claim as no payment would be made. I called InsureMyTrip to speak with someone about this. I was told, "Sorry you're not happy. Have a great day."
Never Ever Again!!!
Read every word of the fine print.
Judith L. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We are sorry to hear that your flight was cancelled and that your vacation was negatively impacted.

    The Nationwide Essential plan is a "named peril" policy which means that the peril (covered reason) must be specifically listed in the plan or there is no coverage. This particular plan includes the following coverage for 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."

    We do have other policies available on our site that have specific cruise benefits, such as Missed Connection. 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.
    Jan 04,2018
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