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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 rated the Nationwide Mutual Insurance Company Essential plan
4.64 out of 5
6,267
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
tour
Nationwide Mutual Insurance Essential
Had to cancel trip due to medical reason. The claim form asked a lot of questions that weren't really relevant to the situation but representative said they had to be answered anyway. Other than that, it was fine and claim was paid in full.
Renee 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
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
Nationwide Mutual Insurance Essential
Since there was no claims, I cannot make an accurate determination on how well your service preformed. Though I always hope for no claims, which means the trip went well, it is nice to know we were covered.
Edward M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
I did not need to USE the plan since all went well on the trip...so I do not really know how good the policy, the service or the company is. But cost was reasonable.
Abby C. 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
You can’t really review until you filed a claim. Fortunately, we never have.
Brad P. 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
This was the first time we had ever purchased travel insurance. If we ever do again, we will definitely not be using Nationwide. Even after my insurance paid as primary, Nationwide rejected my claim as they were our secondary insurance for this trip. Interesting that my medical insurance had no issues processing their portion of the claim, but we paid extra for this travel insurance and then they won't even process the claim.
Jeffrey R. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    Thank you for your comments. After receiving your review, we reached out to Nationwide for a response. Here is their reply:

    “According to the documentation provided, you are requesting reimbursement for an acupuncture treatment while you were on your cruise. The Emergency Sickness Medical Expense coverage provides reimbursement for Covered Medical Expenses which are necessary services and are ordered or prescribed by the attending Physician. Unfortunately, you were not treated by a physician while on the cruise that ordered or prescribed you to receive an acupuncture treatment.”

    Although it is unfortunate to hear that you are not satisfied with the denial of your claim, the decision was made in accordance to the terms of your policy.
    Dec 09,2019
  • JeffreyR
    Photo
    The acupuncturist on board treated me for vertigo after spending 2 days in my room. From the web..."Medical acupuncturists are physicians (e.g., medical doctors, osteopaths [osteopathic physicians], dentists) who have completed additional training in acupuncture."
    I received this treatment so that I could function which I believe would be a necessary service. Thank you~
    Dec 09,2019
The trip included a
tour
Nationwide Mutual Insurance Essential
my camera was stolen, I don't know where or when but was definatly on the trip. you act like you don't believe me.
Kenneth Robert C. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Thank you for your review. Nationwide, as do all insurance providers, do require written proof of a theft loss which could be provided by local authorities or an airline if applicable. They may also require copies of receipts.
    Dec 13,2019
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
Nationwide Mutual Insurance Essential
Fortunately, did not need to file a claim.
George K. 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
Great to know you’re covered.
Gale P. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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