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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
4.62 out of 5
7,612
ratings and reviews
96%
recommended
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Cruise
Filed claim
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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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.
Kirsten M. would not recommend this plan to a friend or relative.
2 of 3 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
Did not use, but easy to buy and had good coverage, The most important aside from trip interruption and all that is the medical treatment and evacuation with good limits.
CURRY H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
Fortunately did not have a need to file a claim with our purchased policy, but the piece of mind knowing it was there in the event it was needed was well worth it.
Richard S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
Claim processed and paid within 30 days of submission.
Marie H. would recommend this plan to a friend or relative.
3 of 3 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
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