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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 the Caribbean rated the Nationwide Mutual Insurance Company Essential plan
4.73 out of 5
1,058
ratings and reviews
98%
recommended
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Cruise
Filed claim
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
After looking at many travel insurance providers, we chose Nationwide. Unfortunately, my wife got sick and had to go to the medical center on the Carnival Breeze. We filed with our primary insurance and with Nationwide. My primary applied the entire amount to our deductible. Nationwide paid the entire amount. Yes you have to provide ALL the documents needed and it does take a while. Our cruise was in January and we got the check the 1st week of April. It took longer for my primary to process the claim. Once they received the necessary documents, Nationwide paid in about 15 or so days. We’re very happy with the process. Thank you Nationwide
Robert W. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
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. 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
Nationwide Mutual Insurance Essential
This is so much cheaper than what the travel gents or cruise lines have. The plans are very easy to compare too.
Lawrence B. 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
Thank u! I especially liked the way they emailed when weather got bad and checking in on us
Sue Ellen W. 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
Been a customer for a few trips now and never needed to file a claim. But curious if the policy that we purchased would of covered us if we needed to leave the ship at a port and fly home because of illness? The reason why I ask is because a couple we were traveling with had to do just that. The male traveler came down with walking pneumonia and NCL strongly suggested they get off at Cozumel and fly home. Reason being was the next three days will be at sea and if you need to be medevac'd off the ship we will be out-of-range for helicopters to reach us. That being said they chose to disembark at Cozumel to be safe. So I was wondering if the plan we purchased would of covered the travel expenses. Thanks so much and looking forward to purchasing our next travel policy.
Robert D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Melissa J.
    Photo
    Thank you for your feedback on this policy. For the Nationwide Essential plan the number one covered reason for Trip Interruption is as follows:

    "Your Sickness, Accidental Injury or death, that results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued articipation in the Trip. A Physician must advise to cancel the Trip on or before the Scheduled Return Date;

    The Company will reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage, if You join Your Trip after departure or are unable to continue on the covered Trip due to any of the following reasons that are Unforeseen and
    takes place after departure:"

    This plan has 250,000 USD per person in Medical Evacuation under the following terms in your certificate:

    "Emergency Evacuation means:
    (a) Your medical condition warrants immediate Transportation from the hospital where You are first taken when injured
    or sick to the nearest Hospital where appropriate medical treatment can be obtained;
    (b) after being treated at a local Hospital, Your medical condition warrants Transportation to the United States where
    You reside, to obtain further medical treatment or to recover; or
    (c) both (a) and (b), above."

    Please call us at 800-487-4722 if you have any questions or concerns. We would be happy to assist you.
    Jan 23,2020
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
Fortunately didn’t need to use it.
Carolyn 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
While understanding age is a large contributing factor, your policies do not take into consideration other factors such as non-smoker or fit bodies, hence the 4 stars above.
Francis F. 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
First time we have filed a claim. Took some work getting all the documentations that is required when you cancel a cruise. I did all they asked and was rewarded with my money back fairly quickly. Thank you Nationwide.
Caroline W. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
Since I didn't have a claim, I cannot speak to the quality of the service. The overall price/value of stated coverage was good.
Nancy 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
Better price then cruise company also had to use on a previous cruise & they paid 100% no problem.
Wayne W. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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