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
4,762
ratings and reviews
97%
recommended
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Cruise
Filed claim
Nationwide Mutual Insurance Essential
the plan for the most part was fine and provided us with most of the coverages we needed. What it didn't cover and we could not find anywhere was excess insurance coverage, aka deducible, for the camper van we rented in the UK. This left us potentially liable for up to and including 1,200 Pounds in the event of an accident.
Dennis B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    There is no coverage under the Rental Car coverage for camper vans in the Nationwide Essential plan. However, coverage for camper vans is generally excluded under the Rental Car coverage in all Comprehensive plans.
    Sep 27,2018
The trip included a
cruise
Nationwide Mutual Insurance Essential
We have used this company for all of our cruises. Only had to file a claim one trip and the service was wonderful. The peace of mind is worth every penny.
Richard S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
I felt very comfortable having the coverage this policy provided. This will be my choice next time I travel.
Ruth F. 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
Luckily we didn’t need the insurance but it was nice knowing it was there. The policy covered the issues we most cared about at a great price.
Donna F. 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
I thankfully didn’t have to use it but just knowing I was covered was great relief
Carol M. 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
I filed a claim with them when we had to cancel for medical reasons. That was weeks ago. Have not received confirmation that they received claim. There was a signed requirement for mail delivery and having not received a thing from USPS I assume it was delivered . There’s never anyone to answer my call. Leave message no response....very poor way to run a business.
George J. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    Thank you for bringing this issue to the Company's attention. Nationwide has reviewed your claim and advised that they received your paperwork on 08/28/2018. You later called the Company on 09/26/2018 and was advised that the claim was under final review. Your claim was denied later that day and a denial e-mail letter was sent to you at your email on file.

    According to your policy, "Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, a Family Member booked to travel with You: 1) exhibited symptoms that would have caused one to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date"

    Unfortunately, you were not eligible for the waiver since you did not purchase the policy within 10 days of your Initial Trip Payment:

    "The Pre-Existing Conditions exclusion is waived if You (a) enroll in this Certificate at the time You pay the deposit required for Your Trip (or within ten (10) days of the initial deposit); (b) purchase this Certificate for the full cost of Your Trip; and (c) are medically able to travel on the Effective Date.

    Of course, it is never pleasant to hear that your claim was denied. Nationwide confirmed that you were sent the letter so you may want to check your spam/junk e-mail folder for the information.
    Oct 12,2018
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
The only drawback to this plan was that it took five weeks to process the claim. But the claim was processed fairly and easily. I'll buy this the next time.
Deborah S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    Thank you for confirming that Nationwide processed your claim fairly and easily. Usually Nationwide takes less than 30 days to process a claim except during hurricane season. The Atlantic hurricane system ranges from Jun 1, 2018 – Nov 30, 2018 for storms originating in the Atlantic Ocean. In addition, the Pacific Ocean has also had a very busy year with the first tropical depression recorded on May 15th. When you add all the claims activity from the California fires, you will see a more lengthy claim process at this time of year.
    Sep 25,2018
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
So glad I had the plan and greatful I didn't have to use it.
Phyllis M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
I have been using InsureMyTrip since 2011 and never any problems with the claims I have filed. I’m very satisfied with InsureMyTrip.
Larry W. 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
Although I had no issues on this trip, I always buy travel insurance due to a situation that happened to me 15 years ago. As an insurance agent it is easier for me to review policies and I felt nationwide was the best choice for the value.
Kathleen C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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