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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
5,933
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
tour
Nationwide Mutual Insurance Essential
Always purchase but have never needed. Wish the premium was a little lower!
Robert R. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Thank you for your feedback.

    Premiums for comprehensive policies are based largely on the length of the trip, the ages of the travelers, and the cost of the trip. A travel insurance policy is considered to be of good value when the policy premium is 4-10% of the insured trip cost.

    InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.
    May 28,2019
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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
Hopefully, it was a good plan and fortunately, I didn't have to file any claims.
Michael M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
I broke a tooth on a Thursday evening while on vacation. I could not bet a dentist appointment
as I was flying home on the following Monday.Called insurance claim. They would not cover. I needed to be treated by Monday under the terms of the agreement. ? My bad!
Roger Q. would not recommend this plan to a friend or relative.
1 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We are sorry to learn that you broke your tooth during your trip. We hope that fellow customers will find your review and our response to be educational and informative.

    The Nationwide Essential plan provides coverage up to 500 USD per person for dental Emergency Treatment for an Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Emergency Treatment must occur during the Trip. If treatment is not obtained during the trip, and the traveler waits until returning home to the United States, the travel insurance expires and is not responsible for the medical bills.

    Please call us at 800-487-4722 if you have any questions or concerns. We would be happy to assist you.
    May 23,2019
Nationwide Mutual Insurance Essential
Luggage was lost for over 24 hours on the return trip and it wasn't covered. Blah!
Susan D. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Melissa J.
    Photo
    Thank you for your feedback on your policy. We are sorry to hear that you had a baggage delay on your return journey.

    It is industry standard to cover baggage delay on the outward journey only to reimburse you for the expense of necessary personal effects while you are traveling.

    Please call us at 800-487-4722 if you have any questions or concerns.
    May 23,2019
Nationwide Mutual Insurance Essential
Great, easy, friendly company to work with. Fortunately, we did not have a claim. But will definitely use them again !
Valerie B. 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
All insurance companies are bogus. Now I know about trip delay. They don't reimburse you for anything unless the flight was delayed 6 hours or more. We misses our transfer flight and delayed our tour and got nothing back.
Elizabeth C. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    Although we respect your opinion, it is important for travelers to understand that not every situation will be covered by your policy. This is why we present the entire Certificate of Insurance for you to review prior to purchasing the policy.

    According to your Certificate of Insurance, the Nationwide Mutual Insurance Essential provided you with the following coverage:

    "TRIP DELAY"

    "The Company will reimburse You for Covered Expenses on a one-time basis, up to the Maximum Benefit shown on the Confirmation of Coverage, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more
    hours due to a defined Hazard.
    Covered Expenses:
    (a) Any Additional Expenses incurred;
    (b) An Economy Fare from the point where the You ended Your Covered Trip to a destination where You can catch up to the Covered Trip; or
    (c) A one-way Economy Fare to return You to Your originally scheduled return destination."

    Although you are disappointed, travel insurance is not bogus. InsureMyTrip is open 7 days a week, 365 days a year, to assist you with selecting your plan. Our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.
    May 21,2019
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.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Thank you for your review.

    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.
    May 31,2019
    • GregoryP
      Photo
      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
The trip included a
tour
Nationwide Mutual Insurance Essential
I have been very satisfied with the selection of this plan.
Lawrence D. 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
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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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