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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 who have visited the Bahamas rated the Nationwide Mutual Insurance Company Essential plan
4.73 out of 5
308
ratings and reviews
99%
recommended
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Cruise
Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Essential
I used Nationwide twice now for cruise trip insurance. I have not had to use it, but I am totally satisfied with the coverage they provide for the price.
Deborah G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
I had a frustrating situation with this plan. I had purchased a plan to cover my airfare and hotel for a vacation. The hotel stay I had purchased was in the form of a certificate I had bought in a charity auction. I was going to the Bahamas with my best friends, but I wound up getting ill and being unable to make the trip. The airlines refunded me my money no problem, as it was due to illness. No need to file a claim for airfare. And to not have to bother the travel insurance company with a large claim for the hotel stay certificate, I gave it to my friends to use and they paid me back for it. The only caveat was that they needed the hard copy of the certificate to be able to check in, which means I needed to FedEx it overnight to the Bahamas at a cost of $52. So I did not need to file a claim for the airfare or hotel portion of my trip.

HOWEVER - I did ask if I could file a claim for the $52 that it cost me to FedEx the certificate for use. The insurance company, though, refused to cover this cost when I called and asked about filing a claim, which is perplexing, and quite honestly, horrible customer service.

By my contacting the airline directly, as well as making sure the hotel certificate went used by my friends, I SAVED the insurance company money on having to reimburse me for a nearly $1,000 claim due to not being able to take my trip. Rather than saying "Hey, we should approve this measly $52 claim for our customer - who incurred this cost as a result of illness that prevented him from traveling," they're looking past the fact that I did not submit a claim for the larger stuff.

The company is being penny-wise and dollar foolish, and, like most insurance companies - looks for every tiny loophole in policy not to pay their customers what they deserve. I would not recommend them to anyone.

When choosing an insurance company, you want one that has empathy for its customers - some "beside manner," that assumes positive intent and doesn't make them jump through hoops when issues arise. The company's telling me that submitting a $52 claim would be denied as the tangential cost of FedExing the certificate is not covered really gets my goat.
James V. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Zac
    Photo
    Thank you for your feedback on the policy. We appreciate you using InsureMyTrip for your travel insurance needs. We are sorry to learn that you were unable to travel and are dissatisfied with this policy. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy. In the future, please consider contacting the claims department immediately after suffering a loss to receive the claims procedure. Please call us at 800-487-4722 if you have any questions or concerns. We would be happy to assist you.
    Nov 03,2016
The trip included a
cruise
Nationwide Mutual Insurance Essential
I insure all my trips but I have not had to file a claim yet.
Robert C. 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
Fortunately I did not have to submit a claim, and hopefully, had I had to I feel confident that the claim would have been handled appropriately.
I must say that I did feel comfortable while on my trip, knowing that I was covered for a medical emergency while away from home.
Angel N. 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
I was happy with the insurance plan and I told 5 people about it on vacation and they said they were going to use it on their next trip.
Jeffrey C. 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
Was a great feeling to know I was protected both before and during our cruise. Have purchased another plan for an upcoming cruise.
AMY B. 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
I didn't need it, but I was glad I had it. If you are going on a trip, buy this coverage. Don't put it off, so that you are able to get a pre-existing conditions waiver.
WILLIAM W. 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
It's so stressful to book a cruise so far in advance, not knowing what could happen such as illness, weather problems, etc. What peace of mind the Nationwide Mutual Insurance Essential plan gave me. It was affordable and the people in your company were so helpful in helping me choose just the right plan for our family. Thanks.
Maco 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
Coverage for the cost was great.
Robert T. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Essential
InsureMyTrip is the easiest way to see an array of coverage and allow the user to select the plan with the options they feel they need. Nationwide offered a plan that met all my requirements both in coverage and price. Travel insurance is pure peace of mind!
Joseph L. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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