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.
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.
1 of
1 people found this review helpful
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.
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Carol
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.
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.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Fortunately, I didn't have to file a claim. This policy covered exactly what I wanted to cover at a reasonable price. The documents provided clear descriptions of the coverage and how to proceed if I needed to make a claim. Overall good value for money.
Robert J. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Did not use it so can't provide too much feedback.
Donna W. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
My flight got delayed and I missed my connecting flight. The next connecting flight was in 2 days by which time my scheduled tour would have long departed. My only option was to return back home while taking a big loss on the tour and the tickets. While still at the connecting airport I decided to call the insurance company to inquire about the kind of evidence I needed to collect to submit a claim. First I called 24-hr emergency assistance number of the insurance company. A very polite representative was at a loss and couldn't provide me with the information. He transferred me to the claims department. Instead someone from sales department picked up. He couldn't answer the question either which was odd considering that he did not know what he was actually selling. He apologized and transferred me to the claims department. They put me on hold. After being on hold for 20 minutes I hung up because calling from Istanbul to the US was rather expensive. Finally I called InsureMyTrip customer care. They did not know the answer which was understandable and offered to transfer to the insurance claims department. I had no desire to spend another 20 minutes being on hold and politely declined.
It should have been a very simple call and yet the insurance company failed me. What if it had been a true emergency?
It should have been a very simple call and yet the insurance company failed me. What if it had been a true emergency?
Alexander I. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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Mike
Thank you for your feedback on the policy. We are sorry to learn of the unfortunate circumstance that interrupted your trip.
The 24 hour assistance phone number that you reached during your trip is the correct phone number to call in the case of an emergency. However, they cannot pre-determine a claim for Trip Interruption. Based on the information that you provided, the event that caused your flight to be diverted was not a covered event for Trip Interruption. However, without filing a claim, no determination can be made in terms of offering you compensation.
We encourage you to submit the claim form that was provided to you to explain the events that occurred and they can advise you on if the events seem to fall within the scope of the policy.
Nationwide Travel Insurance Claims
Toll Free: (888) 490-7606
[email protected]
Mon, Tue, Wed, Fri 8:30am-5:00pm ET, Thurs 9:30am-5:00pm ET
We would be happy to speak with you further about your experience and/or provide any clarification of policy terms and conditions. Please let us know if you have any questions or need further assistance. Our number is 800-487-4722.
Sep 24,2018
The trip included a
tour
Nationwide Mutual Insurance
Essential
It was comforting to know we had coverage if an unfortunate event occurred. Happy I did not need it, but great to have the insurance.
Sally P. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Provided good piece of mind on my trip.
Daniel R. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Luckily, we didn't have to use it, so I have no idea what kind of hassle it would be to file a claim.
Helen G. would
recommend this plan to a friend or relative.
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.