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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
5,831
ratings and reviews
97%
recommended
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Cruise
Filed claim
Nationwide Mutual Insurance Essential
Didn't have need to make a claim, so really didn't put Nationwide to the test.
Alan P. 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 were delayed coming home and I called to file a claim and was told I had to file it with the cruise line first. I will never use Nationwide again
Frances S. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Michelle A
    Photo
    Thank you for your review. The policy you purchased does offer Trip
    Delay coverage, but it is a Secondary benefit. Secondary coverage will pay you after any other Primary collectible insurance has paid the claim and the Primary policies' limits have been exhausted. Most of the plans offered on InsureMyTrip will have Trip Delay as a secondary benefit, and this will be shown on the comparison page and confirmation email. In the future, please feel free to call us at 800-487-4722 and we can assist you with going over benefits and how the plans work. We look forward to assisting you.
    Sep 18,2019
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
Peace of mind allows for a more enjoyable trip.
H Brian H. 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
It was a Good Deal for the Price , However Due to a Permit Issue with the Mexican FAA We were forced to Fly a much smaller Airplane back to Ensanada Mex Not to TJ Mex, had to ride a Bus to the Boarder.
Not sure the insurance would have even covered That? But I do like doing Business with this Company.
Terry D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Thank you for your feedback. We are pleased to hear that you enjoy doing business with Nationwide.

    In order to have coverage under Travel Delay, you would have to experience a minimum of a 6 hour delay that resulted in "Additional Expenses (which) means any reasonable expenses for meals and lodging as well as local transportation and essential phone calls that were necessarily incurred as the result of a Hazard and that were not provided by the Common Carrier or other party free of charge."

    If your situation did involve a 6 hour delay resulting in "Additional Expenses", you may wish to file a claim with Nationwide:

    Toll Free: (888) 490-7606
    Fax: (800) 560-6340
    Team1@cbpinsure.com

    Mon, Tue, Wed, Fri 8:30am-5:00pm ET, Thurs 9:30am-5:00pm ET
    Sep 10,2019
The trip included a
tour
Nationwide Mutual Insurance Essential
We did not need to file a claim therefore I can't comment any further.
Nancy S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
Great plan that covered all what I needed, and was a great price.
Helen S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
We did not have to use the plan but we were relieved to know that it would have covered at least some of our expenses had we needed to delay our return because of Hurricane Dorian.
Alan N. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
DONT GET IT THIS IS A RIP OFF WE HAD A 5 HOUR TRIP DELAY HAD TO PAY OUT OF POCKET FOR TAXI, HOTEL, REBOOKING FLIGHTS ONLY TO FIND OUT OUR TRIP INSURANCE WOULD NOT PAY UNLESS IT WAS A 6+ HOUR DELAY WHAT A WASTE
David B. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Although we are sorry to hear that your claim was denied, Travel Delay does require a minimum 6 hour delay for reimbursement:
    "The Company will reimburse You for Covered Expenses on a one-time basis, up to the Maximum Benefit shown on the Confirmation of Coverage, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more
    hours due to a defined Hazard.
    Covered Expenses:
    (a) Any Additional Expenses incurred;
    (b) An Economy Fare from the point where the You ended Your Covered Trip to a destination where You can catch up to the Covered Trip; or
    (c) A one-way Economy Fare to return You to Your originally scheduled return destination."

    In the future, you may wish to review your policy prior to purchasing. A summary of coverage information is included in your Nationwide quotes and Confirmations of Coverage.
    Sep 10,2019
The trip included a
tour
Nationwide Mutual Insurance Essential
Did not have the need to use it....we rarely purchase trip insurance, but for an active adventure to South America, it was a comfort to have.
BARBARA E. 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 did not find that the coverage is adequate for extreme sport. While you are hiking in remote areas, better coverage is needed.
Meir H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Thank you for your comments. However, your Nationwide Essential policy doesn't consider hiking an extreme sport. In this policy, coverage is excluded for:

    "12. participating in bodily contact sports; skydiving; hang-gliding; parachuting; mountaineering; any race; bungee cord jumping; and speed contest (speed contest shall not include any of the regatta races;) scuba diving; spelunking or caving; heliskiing; extreme skiing..."

    In the future, you may wish to call InsureMyTrip.com at 800-487-4722 to review your options.
    Sep 10,2019
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