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
4,549
ratings and reviews
97%
recommended
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Cruise
Filed claim
Nationwide Mutual Insurance Essential
I submitted a claim to get reimbursed for a trip delay. It was a relatively simple request for relatively small dollars. I submitted the claim on March 13; I finally received the insurance checks on May 8. That's much longer than it should take, in my opinion.
William G. would not 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
tour
Nationwide Mutual Insurance Essential
Did not use this plan. Provided peace of mind. Will buy again when travelling.
Joseph P. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
Didn't need to use plan, fortunately! Coverage and cost were what we were looking for.
Tiofilo V. 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
Just knowing that we have peace of mind if something goes wrong. As I have traveled a couple of times with things that have happened and I did not have insurance. Got caught once in a hurricane. Wilma was a bad time. So I don’t travel without insurance anymore. Thanks for giving me peace of mind.
Donna S. 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
Vacation travel insurance is confusing to understand in terms of what you are getting and it is relatively expensive (5-10% of trip cost). I went with Nationwide in part because of their reputation for other types of insurance, but I will most likely not automatically return to Nationwide for my next vacation travel, because it is unclear to me whether I received the best insurance I could for the price I paid. I believe that travelers will flock to a company that sells travel insurance by demonstrating its value, rather than by simply comparing what they offer to what others offer. Insurance companies, including Nationwide, seem uninterested in providing a short, easy-to-understand summary linking what you are buying to why the price is what it is.
Douglas A. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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
Coverage
Value
Satisfaction
Claims
  • Melissa J.
    Photo
    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
When I went online the first time I made a mistake and thought I was buying for $4200 each for coverage. I never say the confirmation email until I get an follow up reminder about the upcoming trip. In looking at my account on line, it showed $4200 total for the cost - but when I got the email reminder it showed $3000 total.

Even though I messed up (and later bought additional coverage), I'm not happy that my original purchase and online account showed $4200 yet the email confirmations showed less.

I feel like I paid more additional cost then what my original purchase should have been for $4200. I called customer service and they said they could review it -- but i have not heard anything. I have the screenshot of the original email login showing the $4200 for the cost.

Not happy this time around.
Andrew R. 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
The plan seemed to have decent coverage at a reasonable price. Thankfully, we didn't have to use it.
Vincent V. 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
Japan is very safe country. Fortunately we were not used an insurance.
Irina K. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
The plan price and coverage seemed very reasonable, but the real test comes when there is a claim and happily that wasn't necessary this time.
Henry M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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