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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
4.64 out of 5
5,403
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
We were quite comfortable working with this company. The only reason I didn't give it a higher rating is that, thankfully, we didn't need to file a claim. So a true test of how good it is, or not, would be in how they handled any adverse situation. But we would certainly come back to them for future travel should the opportunity arise. Thank you!
Lauren L. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
Had to delay trip home by 1 day because my wife got food poisoning, We had a medical bill (covered by our health insurance), a flight change (reimbursed by our airline) and 1 extra night hotel that we claimed with Nationwide.

After much frustration in calling and dealing with them on the phone and waiting significant processing time for our claim, they said that the doctor's note that both united and our health insurance accepted wasn't good enough. We don't have a way to contact the hospital again to get a minor wording clarification, so we're just out the hotel stay (which was less than the cost of the plan itself).

I've purchased 5 or 6 Nationwide plans because their comparison was good value in my opinion, but this was the first time we had to file a claim. I'm so glad I got to find out how difficult they are with something so minor. Avoiding them from here on out, just disappointing to lose business because they're trying to get out of a minor charge that should have absolutely been covered.
Alessandro A. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    Thank you for reaching out to Nationwide and InsureMyTrip for assistance.

    We are sorry to hear that you experienced a delay in settling this claim, but we are pleased to hear that you received the check from Nationwide on May 6th. Although we can understand why you may hesitate to purchase from them in the future, we can assure you that Nationwide is an excellent provider who stands by their policy.

    Please also remember InsureMyTrip's promise for customer service:

    "The caring, licensed travel insurance representatives at InsureMyTrip are open and honest with every traveler, because our non-commissioned representatives work to find the best plan for you. Our Anytime Advocates® will support you with the process if you feel a claim has been [delayed] or unfairly denied."
    May 09,2019
Nationwide Mutual Insurance Essential
The Nationwide Essential Plan worked well as to coverage and cost. However, it took about 2 months to receive compensation for losses. I had to re-submit twice some of the documents because they were on the website in my emails and the format was not what they could read. So be careful to save all trip documents and in a PDF format or at least a Word format so they can read them. It took 2-3 weeks the first time before they even contacted me about re-submitting some of the claims, then another 2 weeks for the second round. Finally, I hadn't heard anything for 2 weeks or so again, and a check shows up in the mail. So the plan works but you have to be very patient to get your coverage if you have a loss.
Deborah H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
So very pleased I purchased this plan as I needed to cancel my trip last minute and the only out of pocket costs I did not get reimbursed for was the cost of the policy itself!
Kathleen D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
I was shocked at how easy it was to get my claim processed. I thought there would be numerous "hoops" to jump through but settled quickly and hassle-free. I would definitely recommend and have already purchased again on my rescheduled trip.
Michael D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
I would recommend Nationwide for trip insurance for anyone. We did not have a claim on this trip, and we normally don’t. However, there was that one time my father was extremely ill, and his doctor said we shouldn’t leave the country. We did have to file a claim, and Nationwide was very prompt about reimbursement without a hassle. We’re very pleased with them.
James M. 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
We unfortunately were not able to go on our cruise due to a health concern of mine. We were able to sell our cabin to another traveler for $400 less than what we paid. ☹️
Dexter W. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Thank you for letting us know that you were unable to go on the cruise. We hope that you will soon recover and look forward to planning future trips.
    Apr 16,2019
The trip included a
cruise
Nationwide Mutual Insurance Essential
We didn’t have to use it but we had piece of mind!
Catherine C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
Nationwide Mutual Insurance Essential
the plan covered what I needed and thankfully I didn't have to use it. I really appreciated the email right before the trip with the info I needed to take with me on my trip!! That's good customer service
Susan P. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
Nationwide Mutual Insurance Essential
With aging parents, purchasing trip insurance gives us a bit of peace of mind. We don't leave home for trips without it.
David W. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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