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
a OK
stanley r. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Almost had to use the cancellation feature. Thank goodness we had it if needed.
Kathleen B. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Better deal than the travel company offered. It was great to have the peace of mind. Covered the complete travel trip. I highly recommend. I will use them again for all my trips in the future.
Steven L. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Didn't need to file a claim, but found to be best plan for the money
Brad G. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
So my policy covered lost items in my case, or so I thought. I explained the situation to Nationwide via telephone and the rep was confident I would be reimbursed, so she sent a claim form. I provided all documentation and original receipts, including my new purchase receipt to replace the lost item. After filing a claim with Nationwide, I got the following response for a pair of $30.50 fins that were lost. Nationwide's response was:
"The policy purchased specifically excludes coverage for 'mysterious disappearance' and 'imprudent action or omission."
Why have a policy that claims to cover "lost" items when EVERY response to a lost item logically could fall under "mysterious disappearance" or "imprudent action or omission." (My item was left behind while waiting for a taxi at the beach- the taxi was late, we were on the other side of the island, needing to get back to a cruise ship).
I contacted InsureMyTrip after my denial. I was told a representative would telephone me the next business day. After waiting almost two weeks and not hearing back I posted the review.
A Senior Representative from InsureMyTrip did call quickly after I submitted my review. He was sincerely apologetic since no one followed and he contacted Nationwide immediately and went to bat for me in this case. Despite his efforts, Nationwide held firm and gave some excuses/reasons that did not fit the claim I am told- I should have filed with other companies first, but I did not lose the item in their property.
However, InsureMyTrip emailed and told me they are going to cover the cost of the fins which they did not have to do!
I've booked/recommended many other people/couples through InsureMyTrip and they have always been professional AND competent- in dealing with them from booking insurance, asking questions after booking, or having to inquire about claims. That is a rarity these days. Thank you.
Side notes: I could have called back to follow up myself but I am dealing back and forth with a few other companies (unrelated) for myself and other people and just got tired of it all, so I submitted a review first. My ratings for the plan are based on the claim denial. I would advise to call them and speak to the actual claims person if you have any questions prior to booking your insurance. Also, consult the list of exclusions for lost/stolen items. Thank you
"The policy purchased specifically excludes coverage for 'mysterious disappearance' and 'imprudent action or omission."
Why have a policy that claims to cover "lost" items when EVERY response to a lost item logically could fall under "mysterious disappearance" or "imprudent action or omission." (My item was left behind while waiting for a taxi at the beach- the taxi was late, we were on the other side of the island, needing to get back to a cruise ship).
I contacted InsureMyTrip after my denial. I was told a representative would telephone me the next business day. After waiting almost two weeks and not hearing back I posted the review.
A Senior Representative from InsureMyTrip did call quickly after I submitted my review. He was sincerely apologetic since no one followed and he contacted Nationwide immediately and went to bat for me in this case. Despite his efforts, Nationwide held firm and gave some excuses/reasons that did not fit the claim I am told- I should have filed with other companies first, but I did not lose the item in their property.
However, InsureMyTrip emailed and told me they are going to cover the cost of the fins which they did not have to do!
I've booked/recommended many other people/couples through InsureMyTrip and they have always been professional AND competent- in dealing with them from booking insurance, asking questions after booking, or having to inquire about claims. That is a rarity these days. Thank you.
Side notes: I could have called back to follow up myself but I am dealing back and forth with a few other companies (unrelated) for myself and other people and just got tired of it all, so I submitted a review first. My ratings for the plan are based on the claim denial. I would advise to call them and speak to the actual claims person if you have any questions prior to booking your insurance. Also, consult the list of exclusions for lost/stolen items. Thank you
Steven Z. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
We missed our cruise.Due to blizzard in New York we were not able to fly out.I by travel insurance 3-4 times a year always wondering, if i ever have to file claim,will i be reimbursed?And guess what?In 2 weeks after Nationwide Mutual received my claim,i received the checks with no hassle.Thank you,Insure my trip and Nationwide.
Diana L. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
I am glad I had trip insurance and glad I did not need to use it. I will buy another policy for our next trip.
Jeffrey S. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Having travel insurance gave me peace of mind.
Lawrence T. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
On day five of our cruise someone became seriously ill and needed to get back to the States for care. We detoured to Grand Turk where the person and his family were taken to the airport and airlifted to Florida. I certainly hope this man had trip insurance that covered the medical transport as well as the medical bill from the care he received on the ship. For me, the medical coverage is the most important part of trip insurance. I could survive loosing the cost of the cruise but a $30,000 hit for medical expenses could be devastating.
Michael F. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Had two issue with this plan.
1) Keys were lost in FLL airports security check. Long story short, I waited 20+ minutes for a pat down and in the process my keys were lost/stolen/taken. I guess the fine print does excludes keys, and a long list of other things someone might normally lose.
2) I had a medical issue. My ears stopped up with wax (after going underwater) on a snorkel/sail trip. My hearing was down to almost nothing afterward. I started to show signs of illness/infection related to this a couple days later. I called Nationwide several times, only to get passed around to several other reps (sound familiar?). After finally getting someone to respond, I was not given an answer if seeing the doctor would result in compensation from Nationwide.
Even though I explained the situation in detail, they said they could not guarantee payment and I would have to fill out a claim when I returned home!
As a result, I went to the pharmacist in Curacao and they sold/advised me on peroxide, and Royal Caribbean's ship nurse was nice and gave me a syringe. After some doctoring for 1+ hours, I was able to resolve my issue.
The doctor bill from Royal Caribbean would have been over $300.00.
Bottom line, I did not feel any "peace of mind" from Nationwide. It was just the opposite! I Will look elsewhere next time.
1) Keys were lost in FLL airports security check. Long story short, I waited 20+ minutes for a pat down and in the process my keys were lost/stolen/taken. I guess the fine print does excludes keys, and a long list of other things someone might normally lose.
2) I had a medical issue. My ears stopped up with wax (after going underwater) on a snorkel/sail trip. My hearing was down to almost nothing afterward. I started to show signs of illness/infection related to this a couple days later. I called Nationwide several times, only to get passed around to several other reps (sound familiar?). After finally getting someone to respond, I was not given an answer if seeing the doctor would result in compensation from Nationwide.
Even though I explained the situation in detail, they said they could not guarantee payment and I would have to fill out a claim when I returned home!
As a result, I went to the pharmacist in Curacao and they sold/advised me on peroxide, and Royal Caribbean's ship nurse was nice and gave me a syringe. After some doctoring for 1+ hours, I was able to resolve my issue.
The doctor bill from Royal Caribbean would have been over $300.00.
Bottom line, I did not feel any "peace of mind" from Nationwide. It was just the opposite! I Will look elsewhere next time.
Steven Z. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
In event that you were treated by the ship doctor and were billed for the treatment/medication, you would be required to pay those expenses out of pocket and file a claim for reimbursement. Symptoms of an ear infection are certainly something to seek immediate treatment for, however, it is not typically an example of an illness or injury that would result in a guarantee or advance of payment from a travel insurance provider.
Please let us know if you have any questions or concerns by calling 800-487-4722.