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.
Nationwide Mutual Insurance
Essential
This was not worth purchasing and was absolutely more stress than help. Our trip was delayed two weeks because we tested positive for COVID. I thought at least we have trip insurance to help us with the cost of changing the trip. Unfortunately, we tested positive for COVID about 36 hours before traveling, and we were informed that we needed to have a doctor appt before our departure time in order to receive any coverage. Not to mention the plan administrators told me it was fine to go on the trip anyways because my destination did not have COVID testing restrictions. You are not supposed to go into see a doctor for COVID unless you have symptoms requiring emergency treatment. Luckily I convinced a doctor to meet with me virtually that day just to write a note for my travel insurance. Hopefully this would have worked but it turned out I couldn't file a claim anyways.
After this, we were informed that in order to have coverage on our new trip dates, we would not be able to file any claims for reimbursement of the costs of changing the trip.
In addition, when looking at the policy later, any change fees for flights are covered at a very low amount (not even close to the policy coverage amount for cancellation).
All in all, we did not use the policy and could have used the money from the policy for our flight change fees, which would be much less stressful and cheaper. I recommend getting flights and hotels that can change somewhat easily instead of getting this policy.
After this, we were informed that in order to have coverage on our new trip dates, we would not be able to file any claims for reimbursement of the costs of changing the trip.
In addition, when looking at the policy later, any change fees for flights are covered at a very low amount (not even close to the policy coverage amount for cancellation).
All in all, we did not use the policy and could have used the money from the policy for our flight change fees, which would be much less stressful and cheaper. I recommend getting flights and hotels that can change somewhat easily instead of getting this policy.
Kirsten M. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
I had baggage delayed 5 days. A very simple claim for $30 for some essentials I had to buy. I had receipts and any other info required. I did get reimbursed by Nationwide, but it took more than two months. This claim was so obvious and simple it should have been handled in a matter of days. I actually got a quicker response from Malaysia Airlines, and they are half way around the world.
Kenneth W. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Carol
Although we are sorry to hear that it took 2 months to process your claim, we are pleased to hear that you have now been reimbursed.Oct 04,2018
Nationwide Mutual Insurance
Essential
My plane was delayed & I missed a connection. I did not arrive at my destination until the next day. I missed a whole day of my trip, They refused to pay for my missed hotel stay, my missed tour, & my missed arranged transportation from the airport to the hotel. Claim was for $249. They refused to pay. I have had 25-30 international trips since 2009 & I always get travel insurance. This is my first claim. I will never use Nationwide Mutual Insurance Co. again. They are unethical & dishonest.
Robert H. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Mike
Thank you very much for taking the time to submit your review. We understand that it is never pleasant to receive a denial for reimbursement under Trip Interruption coverage. However, your trip must be interrupted due to one of the specifically stated reasons listed in the policy.
This policy covers the following 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."
In the future, please consider calling us prior to purchase to discuss your particular concerns and what is covered. We strongly recommend customers read the terms and conditions of the policy within the review period to determine if the policy fits your needs. If the policy does not fit your needs, it can be cancelled within the review period for a refund of premium. We do have options that offer more flexibility with weather delays. Please call us at 800-487-4722 if you have any questions or concerns.May 10,2018
Nationwide Mutual Insurance
Essential
Did not have to file any claims.
Ryan T. would
recommend this plan to a friend or relative.
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