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.
"You or a Traveling Companion... having Your principal place of residence made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster...; or a
Natural disaster at the site of Your destination that renders Your destination accommodations Uninhabitable...;
Weather that causes complete cessation of services of the Common Carrier for at least twenty-four (24) consecutive hours and prevents You from reaching Your destination. This benefit will not apply if the potential natural disaster has been forecasted
or a storm has been named prior to purchase of this coverage..."
Since these covered reasons do vary from plan to plan, travelers should always review this information which can be found under View Certificate prior to purchasing the policy.
We are sorry for your disappointment with your plan. Since coverage significantly differs from plan to plan, please consider calling us for assistance with your future travel.