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.
Nationwide Mutual Insurance
Essential
Didn’t need it but when it looked like we might miss our connection, we were not concerned knowing we would be covered for an unplanned overnight stay.
Margaret B. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Easy to love travel insurance when you don't have to use it.
Wayne H. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Customer service told me I needed a medical letter stating certain items. When I went to file the claim, there was a specific medical form that needed to be filled out. So the person had to go back to the doctor for that. The expected time to even have the claim looked at was 30 days. I called after two weeks to make sure all was rolling along. She said that she couldn't escalate it until 30 days had passed. Then 5 days later the check for the entire amount of the trip that was cancelled showed up! So a view glitches but getting full recovery of trip payment was the goal. Accomplished!
Carla C. would
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Since we did not have to use it, it’s hard to say. We did compare a few companies though the this seemed to have the best coverage for the best rate.
Paula D. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Since I did not have to file a claim, kind of hard to say how satisfied I was with the plan.
Denise B. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Insure my trip has worked to provide me with travel coverage for the past 15 years. I have always been happy with the results. I have been insured by Nationwide several times and have previously filed two travel claims. Those claims were very promptly and satisfactorily settled. I trust them with my travel coverage.
Edward F. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
Nationwide Mutual Insurance
Essential
Thankfully I did not need to file a claim, but it was reassuring to know I was covered.
Vicki H. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Didn't need to use it, but good to have anyway. Highly rated company, good price for peace of mind
HELENE S. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
no problems, did not have to use insurance
Joann M. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
This was not worth purchasing and was absolutely more stress than help. Our trip was delayed two weeks because we tested positive for COVID. I thought at least we have trip insurance to help us with the cost of changing the trip. Unfortunately, we tested positive for COVID about 36 hours before traveling, and we were informed that we needed to have a doctor appt before our departure time in order to receive any coverage. Not to mention the plan administrators told me it was fine to go on the trip anyways because my destination did not have COVID testing restrictions. You are not supposed to go into see a doctor for COVID unless you have symptoms requiring emergency treatment. Luckily I convinced a doctor to meet with me virtually that day just to write a note for my travel insurance. Hopefully this would have worked but it turned out I couldn't file a claim anyways.
After this, we were informed that in order to have coverage on our new trip dates, we would not be able to file any claims for reimbursement of the costs of changing the trip.
In addition, when looking at the policy later, any change fees for flights are covered at a very low amount (not even close to the policy coverage amount for cancellation).
All in all, we did not use the policy and could have used the money from the policy for our flight change fees, which would be much less stressful and cheaper. I recommend getting flights and hotels that can change somewhat easily instead of getting this policy.
After this, we were informed that in order to have coverage on our new trip dates, we would not be able to file any claims for reimbursement of the costs of changing the trip.
In addition, when looking at the policy later, any change fees for flights are covered at a very low amount (not even close to the policy coverage amount for cancellation).
All in all, we did not use the policy and could have used the money from the policy for our flight change fees, which would be much less stressful and cheaper. I recommend getting flights and hotels that can change somewhat easily instead of getting this policy.
Kirsten M. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful