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
tour
Nationwide Mutual Insurance
Essential
Fortunately I did not have to use the policy. It was less expensive than the insurance sold by the cruise line.
Danny S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
I thought I might ended up needing to file a claim because of a pilot strike at SAS. I spoke with an agent prior to my trip to make sure that was covered and how to proceed with a new flight to get me to my destination on time, if needed. The agent was very courteous and helpful.
Doran R. would
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
Difficult to actually rate either the company or the plan without having filed any claims. The actual proof of how good or bad the company is , has to do with how responsive they are in handling claims.
Irwin T. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Did not use the plan so I do not know if it was useful or a value.
Scott Z. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
This is my second time using this company, even though I did not have to file a claim everything went like clock work I felt safe & secure purchasing my insurance for my trip & will more than likely use again in the future! Thank You.
Debra C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Everything was simple and fast to purchase on line, website is very convenient & it explains policy clearly. Even though I did not have to put a claim in I felt safe & secure with my choice & purchase. Thank You!
Knicole C. would
recommend this plan to a friend or relative.
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
always important to have ..
Annetta S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
This was the lowest cost plan available for our needs, and came with great reviews. I was not looking for a 'cancel for any reason' plan, since we were quite locked in and only a medical emergency would have been a reason on our end to cancel. It was only for trip interruption/cancel or medical needs as to why I wanted the travel insurance policy.
Obtaining a quote for the plan was easy via InsureMyTrip and purchasing the policy was similarly seamless.
While we did not have to file a claim, I am certain doing so would have been a positive experience.
It was interesting as to the wide variation of policy costs, and some higher cost plans were from companies with very poor ratings. Do research and dont just assume that higher cost plans mean better plans or companies, because that is likely not the case.
This was my first experience with InsureMyTrip and it was a very positive one. I will be a repeat customer in the future when needing travel insurance.
Obtaining a quote for the plan was easy via InsureMyTrip and purchasing the policy was similarly seamless.
While we did not have to file a claim, I am certain doing so would have been a positive experience.
It was interesting as to the wide variation of policy costs, and some higher cost plans were from companies with very poor ratings. Do research and dont just assume that higher cost plans mean better plans or companies, because that is likely not the case.
This was my first experience with InsureMyTrip and it was a very positive one. I will be a repeat customer in the future when needing travel insurance.
Craig P. 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.