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
4,860
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
tour
Nationwide Mutual Insurance Essential
I had baggage delayed 5 days. A very simple claim for $30 for some essentials I had to buy. I had receipts and any other info required. I did get reimbursed by Nationwide, but it took more than two months. This claim was so obvious and simple it should have been handled in a matter of days. I actually got a quicker response from Malaysia Airlines, and they are half way around the world.
Kenneth W. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    Although we are sorry to hear that it took 2 months to process your claim, we are pleased to hear that you have now been reimbursed.
    Oct 04,2018
Nationwide Mutual Insurance Essential
I called for assistance because my husband had forgotten to bring all hidd medications. We were told there was nothing you could do to help us obtain the meds, and I was very disappointed by that.
Mary v. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Thank you for sharing your feedback about the Nationwide Mutual Insurance Company. Travel assistance services are provided by On Call International Travel Assistance Services, which is an independent organization, and not by Nationwide. There may be times when circumstances beyond On Call’s control hinder their endeavors to provide the requested travel assistance services, such as Prescription Drug Replacement. However, they endeavor to make all reasonable efforts to provide travel assistance services and help you resolve your emergency situation. We are sorry to hear that they did not meet your expectations.

    Please remember that we value your opinion and share your comments with the Company so that they can better serve you in the future.
    Oct 12,2018
Nationwide Mutual Insurance Essential
Living in a hurricane prone area and also going to a hurricane prone area, I purchased the insurance just in case a named storm was to threated my home town and/or the location of my vacation. I understand after I bought the insurance, you'll do not offer protection if the plane still flew and the hotel was to stay open even it the named storm was to hit that area. If my home town was possibly being threaten by a storm right before my trip, and/or during my trip, I would not have gone on the trip! Same thing at the resort location. This is why I bought the insurance.
Mark B. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    We understand that our customers never wish to hear that there would be no coverage under their policy. However, in order to receive reimbursement for canceling your trip, the reason for cancellation must be a named peril as listed in the policy. These covered reasons will vary from plan to plan and will determine coverage, such as, the following perils as listed in your Nationwide Essential policy;

    "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.
    Oct 10,2018
The trip included a
cruise
Nationwide Mutual Insurance Essential
Best prices for travel insurance and you pick what you can afford to pay.
Joseph M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
The plan looked to be the most appropriate and cost effective for me. Luckily, I didn't have to use it!!!
Carole F. 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
over priced for the coverage that is usually not needed
kathryn s. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    Thankfully you were able to enjoy your travel and had no need to file a claim.

    Please keep in mind that Comprehensive Insurance plan premiums are generally based on the 3 main factors; (1) the ages of the travelers, (2) the length of your trip and (3) the total cost of your prepaid non-refundable trip cost.
    Oct 07,2018
    • KathrynS
      Photo
      Also keep in mind that your health care coverage you have may pay for any medical travel expenses. Check with them before you purchase any trip insurance. Depending on the airline they may provide some relief to air travel getting home.
      Oct 09,2018
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
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