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
Did not file a claim. No basis to evaluate.
John M. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
The Essentials plan that we purchased covered all the things we thought were essential, and at a reasonable price. I have bought this insurance before, and will buy it again. Nationwide has good reviews, and is the insurance company that underwrites insurance on the cruise line that I use as well. I can only get the plan I like by going through InsureMyTrip, and I have had good experiences dealing with them. I was able to change my insurance several times, as I had to change my trip plans due to COVID. Overall, I recommend both InsureMyTrip and Nationwide.
Perry S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
With all the problems with COVID-19 this company went the extra mile and showed me just how great their business really is. I will return business and let everyone I know to use this company.
denise w. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Nice to have the insurance, but didn't need to file a claim.
Howard D. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
one member of party got unexpected sickness on cruise, had medical treatment an cruise. With proper documentation, this plan covered the treatment. Thanks
jeffrey s. would
recommend this plan to a friend or relative.
5 of
7 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Agents suggest you take out the policy several months in advance. Cruise and flight cancelled, but rebooked at a cheaper cost. Insure my trip Nationwide refused any refund saying I only had 10 days to cancel or change Poilicy. Cruise line and air carrier gave refunds for price difference, not Nationwide! They took advantage of the situation! Will NEVER use Insure my Trip Nationwide again!
Debra G. would not
recommend this plan to a friend or relative.
2 of
4 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
They state on their website they are refunding for canceled trips without claims due to Covid. It is been 10 weeks and I have not received anything except excuses. I will not purchase from them again.
Jocelyn S. would not
recommend this plan to a friend or relative.
2 of
4 people found this review helpful
-
Megan
Thank you for your feedback.
I am happy to see that Nationwide did refund your premium. Unfortunately, due to the pandemic and current climate of traveling this request did take much longer than usual.
We hope you will reach out to us at InsureMyTrip for future travel insurance needs.Sep 21,2020
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
After looking at many travel insurance providers, we chose Nationwide. Unfortunately, my wife got sick and had to go to the medical center on the Carnival Breeze. We filed with our primary insurance and with Nationwide. My primary applied the entire amount to our deductible. Nationwide paid the entire amount. Yes you have to provide ALL the documents needed and it does take a while. Our cruise was in January and we got the check the 1st week of April. It took longer for my primary to process the claim. Once they received the necessary documents, Nationwide paid in about 15 or so days. We’re very happy with the process. Thank you Nationwide
Robert W. would
recommend this plan to a friend or relative.
2 of
5 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
I waited until I submitted my claim on trip interruption part to see how it went. They came through and I received the amount claimed, after filing the proper information. I will also say I needed to contact them at least twice to make sure I understood what was needed for my claim and the agents I emailed and/called on phone were very helpful in aiding me to file properly. I appreciate all that was done, as I have never had to submit any claims on my many past trip coverages. Naturally I would recommend them after this proven positive experience.
Oh by the way, I needed to file this claim after I returned home around March 9-12 2020. Note that date - around the time the worldwide coved 19 just started to become an issue!!
So I was a bit stressed as I had returned home immediately after all this corona panademic began unfolding in the US.
NOTE: ALWAYS KEEP all records and receipts from the moment you plan an insure your trip until you arrive home, as you will need such records to submit along with your claim. Without proof you cannot expect reimbursement (obviously)
Oh by the way, I needed to file this claim after I returned home around March 9-12 2020. Note that date - around the time the worldwide coved 19 just started to become an issue!!
So I was a bit stressed as I had returned home immediately after all this corona panademic began unfolding in the US.
NOTE: ALWAYS KEEP all records and receipts from the moment you plan an insure your trip until you arrive home, as you will need such records to submit along with your claim. Without proof you cannot expect reimbursement (obviously)
Ralph M. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
If anyone thinks that "Nationwide is on your side", think again. I bought a travel insurance policy for a cruise in February. It was the Nationwide Mutual Insurance Company Essential plan. There were 5 of us on the policy. We traveled to Montreal International Airport in two cars from Plattsburgh N.Y. There was a terrible accident and one of our cars was caught behind the wreck. My family members helped comfort the victims at the accident scene until the ambulances arrived. They ended up missing the flight. They went back to Plattsburgh and caught a flight the following night to make the cruise. When we returned from the trip I called the company who handles the claims for Nationwide. I explained what happened and right from the start, the agent tried to talk his way out of paying any of the benefits. First he said that I would need a copy of the accident report. I told him that the accident was in Canada and that our party was not involved. After going back and forth with the agent over the phone, he agreed that the flight booked the next day to get to the ship was covered under the plan. I sent him all of the paper work he needed. About three weeks later, I received an e-mail stating that I would need an accident report or an article from a Canadian newspaper. I called and explained again the the accident was in another country and we had no idea where to get one. The agent said that he would try to "Google it" to see if he could find it. On March 24th, I received three $150.00 checks with the notation that the total flight cost exceeds the maximum benefit allowed for a trip delay per person. The policy clearly states that the cost of a flight to get to to the desired location is covered. I have a family member who is a lawyer and is going to assist me in filing a complaint with the New York State Department of Financial Services. He said the policy is ambiguous and misleading. The flight cost was a total of $920.00 for the three passengers. I will continue to provide updates when they happen. With all of the problems that everyone is facing right now, you would think that a company of this size would do the right thing. ATTENTION, I called Insuremytrip to see if their Anytime Advocates program could help me out. Their customer care representative stated that Nationwide is one company that they can not help me because of an agreement with them,.
Scott G. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
-
Zac
Thank you for your feedback. We are sorry to learn of the difficulties you experienced during the trip.
All travelers that purchase a policy through InsureMyTrip have access to our Anytime Advocates® program. This unique program is designed to save our travelers time and money by contacting the travel insurance provider directly to smooth out any kinks in the claims process. The InsureMyTrip Anytime Advocates® will help any customer with:
Claims assistance
Receive expert advice on how to navigate the claims process and file a claim properly with your travel insurance provider.
Dispute resolution
Anytime Advocates® will check the status of a claim. If a claim is denied, an advocate will work on behalf of the customer to learn why or to help with the appeal process.Jul 29,2020
We are sorry to learn that your trip was postponed. Fortunately, Nationwide Mutual Insurance was able to transfer your policy to the new travel dates at no additional cost. You are correct in that most comprehensive travel insurance policies have a review period, typically 10-15 days from the date you purchase the plan, depending on the state you live in. The Nationwide Essential plan in your state of residence has a 10 day review period in which insureds are able to cancel the policy or make any changes that would result in a premium refund. There are no refunds outside of the review period. For information about how travel insurance can accommodate a rescheduled or cancelled trip, please call us at 800-487-4722.