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
Purchased this plan and fell ill the day before departure and was not able to travel. Completed and submitted all claim forms including a memo describing the fact that the cruise line would not provide a written cancellation confirmation. I was able to sell my reservation to someone else at the last minute (at a huge discount) and reduce the insurer's loss.
Trip cancellation coverage purchased was $4,200.00. My loss was $3,516.12. Nationwide paid a measly $517.20 !!!
Trip cancellation coverage purchased was $4,200.00. My loss was $3,516.12. Nationwide paid a measly $517.20 !!!
William L. would not
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Information provided by the agent and carrier was reasonably clear and understandable. The follow up prior to departure was good and timely, helping to gather information that needs to be carried while on the trip. We did not have to test this policy so I can't rate that aspect of its quality. As with any insurance, its worthless if you don't understand it, know how or when it takes affect, or how to call on the services its provides while on the trip. I forwarded electric copies of the policy to myself, spouse, and family in the event I lacked the ability or capability to put various emergency facilities in affect.
Donald K. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Fortunately we didn't have to use this insurance so my rating is only for my perceived value of the cost versus items covered.
karen k. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Easy peace of mind. Glad I did not have to use it.
Robert K. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
PLEASE BE AWARE. If you need to cancel your trip for an uncovered reason, no matter how far in advance you cancel, the policy, though unused, is completely nonrefundable. We paid over $500 for insurance and had to cancel our trip (for an uncovered reason) 5 months in advance and yet when we contacted customer service were informed no refund of any kind would be considered and the credit policy was worthless because we booked so far in advance. The policy has to be re-used for another trip within a year of the PURCHASE date. Because we booked so far in advance (10 months) there was no way for us to re-use this policy. We should at least be able to re-use this policy within one year of the trip date. Very disappointed. Even the airlines provided a partial refund of our non-refundable tickets (not expected but very much appreciated). Perhaps other company's have a more customer service friendly policy. We will be reading the fine print more closely and purchasing travel insurance closer to our trip date.
Gregory P. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
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GregoryP
Yes your policy was explained when I called. Our trip was scheduled for June 2018 but the policy had to be used by Aug 2018 our purchase date. We're unable to rebook within that timeframe so the credit is wortless. Had we had a year from the trip date (June 2018) it would have value. Hopefully others can benefit from our experience.Jun 01,2019
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The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Good value
Leon P. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
This was a great purchase on paper, but since I did not need to file a claim, I really can't judge how great the purchase was!
Frank H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
I use your site to compare and purchase coverage for all of my trips, and Nationwide seems to provide the best deal, not just reasonable price, but generous coverage as well. I didn't file a claim on this trip, but I did once before and was satisfied with their response.
Louise S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
As a licensed insurance agent it was not difficult for me to compare plans. Nationwide had the coverage that fit my situation best plus a good price. Unable to rate it a 5 since no claims were filed, but it provided good peace of mind.
Kathleen C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Traveling can be stressful. Having this plan eased my mind in case of an emergency. I will definitely get it for my next trip.
Cheryll B. would
recommend this plan to a friend or relative.
When you purchased your Essential policy, Nationwide Mutual did include a 10 Day Review Period:
"All premium is non-refundable after a 10 day review period. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due."
Since you canceled your trip for an uncovered reason back on 01/10/2019, you were well outside the 10 day review period so there would be no refund of your premium.
However, as we advised you back on 01/10/2019, you could have used this policy for another trip as long and the new trip occurred prior to 08/10/2019 since Nationwide policies require that your departure date must be within 365 days of your original policy purchase date of 08/15/2018.
Please call us at 800-487-4722 if you did schedule a new trip so that we can discuss changing the travel dates on this policy.