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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 United Kingdom rated the Nationwide Mutual Insurance Company Essential plan
4.53 out of 5
215
ratings and reviews
95%
recommended
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Cruise
Filed claim
Nationwide Mutual Insurance Essential
We booked a trip to London on at the end of January for travel in mid-June. We purchased this policy on January 31, when covid-19 had yet to be named or determined to be a pandemic . Due to the UK's continued shutdown through the spring and the UK's 14 day mandatory quarantine policy, Delta cancelled our flight in late May. We filed a claim with Delta, who fully refunded our air travel. We filed a claim with Nationwide to recover our non-fundable deposit on the London flat that we made in January. The claim was denied since covid-19 was not a named peril in the policy (well it was January 2020 with less than a handful of cases in the US) and the policy supposedly did not cover cancellation by the airline. If we couldn't fly to London, how were we going to get there!? We had a Travelex travel insurance policy 10 years ago that completely reimbursed us for a cruise that we were unable to get to because Delta cancelled our flight due to a massive east coast Christmas snow storm. I don't believe a snow storm was a peril listed in the policy. I will never buy another Nationwide travel insurance policy and would not recommend to others. They are definitely NOT on you side.
Jefferey L. would not recommend this plan to a friend or relative.
3 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Megan
    Photo
    Thank you for your feedback.

    We are sorry your claim did not go as you had hoped. In the future, please consider calling us prior to purchase at 800-487-4722 so that our licensed representatives can review plan benefits and exclusions with you.
    Sep 29,2020
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
They state on their website they are refunding for canceled trips without claims due to Covid. It is been 10 weeks and I have not received anything except excuses. I will not purchase from them again.
Jocelyn S. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Megan
    Photo
    Thank you for your feedback.

    I am happy to see that Nationwide did refund your premium. Unfortunately, due to the pandemic and current climate of traveling this request did take much longer than usual.

    We hope you will reach out to us at InsureMyTrip for future travel insurance needs.
    Sep 21,2020
Nationwide Mutual Insurance Essential
My claim was denied during the COVID-19 global pandemic during the height of government lock downs and a time that was literally impossible to travel.

I filed a claim on April 22, 2020 for our honeymoon travel to the U.K. between May 9th- May 23. I took nearly a month to get back to me May 21st (which is some what reasonable because I am sure they have been swamped with claims). I booked the travel myself which made it a pain to file the claim.

In the end I was denied because the policy didn't mention "pandemic" specifically but it does mention natural disasters and quarantines. In their review they stated that a travel embargo is not a quarantine but that seems like lawyer speak to me. To be honest, I would not have even known to look for specific pandemic text when I planned the trip last September.

I feel like my claim got "lawyer-ed" which I guess is what happens in the insurance world but I will never use any service of Nationwide's again and I would not recommend their service to any one.
Edwin B. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
Nationwide Mutual Insurance Essential
Thankfully, didn’t not need to use the insurance on my European trip. I am hopeful that if I did need to use it, there wouldn’t be any hassle. Sign up was easy.
Brooke M. 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
Plan seems good. Best way to know for sure is filling a claim. Glad it was not needed.
Gary S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
Did not have to use plan so can't really tell exactly how good the coverage was or how satisfied we were with it.
Steven P. 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
It is difficult to rate a plan unless you file a claim. Fortunately the trip went as planned and no problems were encountered.
Laura L. 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
This Nationwide "Essential" plan was had superior coverage when compared to others with similar price. I made a slight mistake on the input form, and they were fast in helping me correct it. That was excellent customer service, but I did not file a claim. Look for reviews where claims were actually paid. I saw enough good ones to buy it.
William G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
Great plan that covered all what I needed, and was a great price.
Helen S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
We did not have to use the plan but we were relieved to know that it would have covered at least some of our expenses had we needed to delay our return because of Hurricane Dorian.
Alan N. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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