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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 who have visited the United States rated the Nationwide Mutual Insurance Company Essential plan
4.63 out of 5
956
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
tour
Nationwide Mutual Insurance Essential
Our return from a skiing trip to Big Sky Montana was delayed for three days by winter storm Jonas. When we were notified of our flight cancellation, I immediately called the toll free claims number. The rep I spoke with was very polite and issued a claim number and emailed me a claim form. As requested, I kept receipts for my extra nights in the hotel and food for the delay days. After three days we were able to get a return flight home. Within three days I filed a claim. Within three weeks of filing my claim, I received payment in full for my extra hotel and food costs during my travel delay. I could not be more pleased!!
Thomas G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
Nationwide Mutual Insurance Essential
Due to a major change in flight schedule by Delta, I was granted a full cash refund of my ticket price. This occurred some 6 weeks prior to departure date. Was told by InsureMyTrip no refund.
George M. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Zac
    Photo
    Thank you for your feedback on the policy. We are sorry to learn that you were dissatisfied with your experience. The policy premium could not be refunded due to the cancellation request occurring outside of the 10 day review period.

    The following excerpt has been taken from the Nationwide Mutual Insurance Essential policy certificate:

    "All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time."

    Please call us at 800-487-4722 if you have any questions or concerns.
    Mar 25,2016
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
Did not have to use it. On a cruise ship for 7 nights and living in the city where the ship departed from, there really was no issue in lost luggage or delayed flights. I was more concern if one of got sick and or I have an 90 year old mother, that I was worried about. But everyone was fine and did not need insurance.
Stanley K. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
Nationwide Mutual Insurance Essential
Had to cancel one trip and reschedule due to a medical issue. As always, Nationwide is a pleasure to deal with and they respond quickly, even if they need more information, to handle a claim. Of all the traveling we do, we have had to file a couple of claims over the past year, and they have been great to work with. I think the best of the best when it comes to protecting a significant trip.
steven e. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
Nationwide Mutual Insurance Essential
It is very easy to meet all needs until one has to file a claim. Purchasing is easy. We did not have to file a claim so I can't really evaluate if the policy and company meet needs. My main needs are cancellation, interruption, medical, or existing condition coverage. Who knows what I pay for everything else that I don't need and have covered elsewhere.
merle f. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
Nationwide Mutual Insurance Essential
Didn't need it so it worked perfectly! ;-)
Sonja S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
Nationwide Mutual Insurance Essential
I didn't end up filing a claim, but the process to get the coverage was easy and it was nice knowing that the coverage was there if it was needed.
Brian G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
Nationwide Mutual Insurance Essential
I had a damaged large spinner suitcase when I arrived at my home airport. The pull handle was completely broken off meaning I will have to buy a new one. I considered filing a claim but when I read the policy, I realized it would not be worth my while because articles are not covered during actual processing/handling. Well, then basically the luggage isn't covered during the trip at all.
Lupe A. would recommend this plan to a friend or relative.
3 of 3 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Zac
    Photo
    Thank you for your feedback on the policy. We are sorry to learn that your luggage was damaged. If your luggage was checked with the airline and damaged by an airline employee, that does not exclude you from coverage. We have taken excerpts from the policy certificate to include important information to consider for this occurrence:

    "The Company will reimburse You up to the Maximum Benefit shown on the Confirmation of Coverage, if You sustain Loss, theft or damage to baggage and personal effects during the Trip, provided You have taken all reasonable measures to protect, save and/or recover the property at all times. The baggage and personal effects must be owned by and accompany You during the Trip. The police or other authority must be notified within twenty-four (24) hours in the event of theft."

    "If Your property covered under this Certificate is lost, stolen or damaged, You must:

    (a) notify the Company, or its authorized representative as soon as possible;

    (b) take immediate steps to protect, save and/or recover the covered property:

    (c) give immediate notice to the carrier or bailee who is or may be liable for the Loss or damage;

    (d) notify the police or other authority in the case of robbery or theft within twenty-four (24) hours."

    We understand that you were unable to secure documentation from the airline and will not be filing a claim against the policy, but if you have any additional questions or concerns, please call us at 800-487-4722.
    Dec 23,2015
Nationwide Mutual Insurance Essential
We had no problems during our trip. Nice to have insurance incase we needed it.
John S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
Nationwide Mutual Insurance Essential
When Delta wouldn't provide a document that was needed for my claim, the Nationwide Mutual agent offered to call Delta to get the information. The claim was paid so we're all good. That's above and beyond service in my book.
Thank you!
Sherryl G. would recommend this plan to a friend or relative.
4 of 4 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
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