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.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
We've purchased Nationwide Essentials policies for about five trips. Our most recent was the first for which we had to cancel the trip and make a claim. It turned out that we over-insured, because the pre-existing condition waiver, which we wanted, requires all non-refundable prepayments to be insured, and I wasn't aware that our airfare bought through the cruise line, plus the prepaid specialty dinners and excursions, were refundable from the cruise line. So our claim was only for about 50% of our insured amount. I made sure to provide the claim dept with all the details requested. They never responded by email after I submitted the claim, but instead just mailed a check for the claimed amount, so that was a nice "surprise" when it arrived. My only complaint was one claims dept phone rep; I called two days after emailing in all the documentation, because I wanted to make sure they received everything I sent, and that they could read the documents. The rep was not helpful, and just kept telling me they had 15 days to respond to my claim. He also first told me they hadn't received my claim form, which turned out not to be true. After quite a round-about discussion, he finally looked at some of the documents (he didn't seem to want to be bothered to check them all for me), and the one that I sent as Word doc instead of a PDF was unreadable, so I re-sent it as a PDF. This unhelpful rep was an unusual experience, because I spoke to several other folks in the claims department before I filed the claim, and they were able to answer my questions for me. If I needed to, I would have called back to get a better rep to help me. Also the InsureMyTrip chat staff has always be extremely helpful and knowledgeable, both during my insurance purchases, and when I had questions about my claim.
Susan N. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
While it was not necessary for us to utilize the insurance I did feel secure in having it in place. I compared the cost with friends and it was less expensive for the same or higher coverage.
Valerie M. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Did not have to make a claim, thank goodness, so can’t speak to claims process. But reasonably priced coverage.
DENISE C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
It was very easy to secure travel insurance via the internet. A site compiles trip insurance from many trip insurance companies so one can easily compare prices and coverage. I was impressed with the coverage of Nationwide and their pricing.
I would never buy trip coverage through a travel agency or travel company.
I would never buy trip coverage through a travel agency or travel company.
Richard P. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
I would have liked a life insurance policy with this, but it wasn't on the policy we chose. All in all we had a fabulous vacation, but we also know you would have our back if something went wrong. Thank you.
Nancy B. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
We were unable to go on our overseas trip due to unexpected illness/surgery of elderly father. After a phone call to Nationwide Mutual, we received and completed a claim form, and received a check for payment in full in a prompt manner. We travel frequently, have always purchased trip insurance for overseas travel, had never had to file a claim, and were apprehensive as to outcome. Would highly recommend to other users.
James M. would
recommend this plan to a friend or relative.
8 of
8 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
This plan provided us with some sense of relief in the event we were unable to take our trip. We felt the price was reasonable and appropriate for the coverage given.
Leonard M. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Always get trusted advice and quality plans when calling your agency. Thank you
Janice R. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
After reviewing the plan in more detail as my trip neared, I found that the number and type of exclusions was more than I realized and would look elsewhere next time.
Arnold F. would not
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
InsureMyTrip customer care representatives are professional, knowledgeable and helpful. I have recommended them to everyone I know.
Dolores W. would
recommend this plan to a friend or relative.
The best time to read the terms and conditions of a comprehensive travel insurance policy is within 10 days after purchase. Most policies have a 10 or 14 day review period. If for any reason you wish to cancel the plan, you can do so for a full refund of premium, minus a small service fee. After you surpass the review period, the plan cannot be cancelled.