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
The process took 3mos to resolve and was straight forward for "trip interruption”. After submitting the claim I received 2 more emails requesting the same information again or information that was not germane to "trip interruption”. Medical bills associated with the reason for the "trip interruption" were under my medical insurance. Nationwide would have been secondary IF I had claimed medical - which I did not. It took a phone call to raise a flag that I had no additional info that I hadn’t already provided for “trip interruption”. IMHO the process is too onerous to the point of hoping I would just give up. In the end, I received the EOB’s and checks for “trip interruption” that resulted from me suffering a concussion that required 10 staples in the back of my head in the ER and a 2nd ER visit a day later, after I arrived home due to worsening/related medical issues and not being able to complete the last 5 days of an 11 day tour.
Paula M. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
Thankfully I did not need the insurance during my trip so I do not know about the claim process but I always get insurance while traveling
Karin E. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
I broke my arm in Morocco and needed surgery. The claim process was a bit complicated but I did receive compensation for the medical part. Unfortunately, I needed transportation to rejoin my group and that was not covered. Overall I was happy with the results. Another complication was that I had another travel insurance policy for my trip to Costa Rica and the 2 plans got mixed up. It was resolved after about 30 minutes on the phone.
Rosemary W. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
the far fact that I could not talk with a person in claims is absolutely stupid.
Robyn C. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Very expensive. Yes I am glad I had it but thought it was too much money
Ellen P. would
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
I had to cancel our trip due to a serious medical condition. It took probably two months for the claim to be processed and paid out. It was a lengthy process but they did pay out the full amount, so I think it was fair.
Thomas Z. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
We were on a cruise with a tight schedule and limited access to internet. We had a flight delay that caused us to miss a prepaid tour which would have been a covered loss under our policy. However, the policy required that we make a written claim within 7 days of the claimed loss. We missed that deadline.
It's my own fault for not reading and understanding the requirements. However, I believe that this requirement is completely unreasonable -- especially for a TRAVEL policy.
Buyer beware!
It's my own fault for not reading and understanding the requirements. However, I believe that this requirement is completely unreasonable -- especially for a TRAVEL policy.
Buyer beware!
James P. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Like any insurance it is good when you don't have to use it.
Ruben C. would
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
Didn't use, but had peace of mind knowing we were covered.
Marcus S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
The claim was filed October 25th with 9 attachments, I received an email asking for more information Nov 12th, which i responded to Nov 13th with 4 more attached documents, and got an confirmation email. Since i never heard anything again and the website only shows "RECEIVED" I called on Dec 7th. In the call I was told they sent me an email asking for more information, so i informed them i had responded the following day. She put me on hold and said i would receive a call in 20 minutes to finish up the claim. No call back. I called again with similar results, (being told i would get a call by end of day) on Dec 14th, 15th, 18th, 20th and 27th. Still nothing...they have all said, "I've upgraded your claim to priority and sent it directly to the manager." Now I'm being told they have a 2 week re-review period and I'll receive an email.
DO NOT purchase a plan from Nationwide if there is any chance you might actually use it.
My claim isn't even much, about $400 on a plan that cost $163.
DO NOT purchase a plan from Nationwide if there is any chance you might actually use it.
My claim isn't even much, about $400 on a plan that cost $163.
Logan Z. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful