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
4,854
ratings and reviews
97%
recommended
Sort by
Showing
Cruise
Filed claim
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
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    Thank you for bringing this issue to the Company's attention. Nationwide has reviewed your claim and advised that they received your paperwork on 08/28/2018. You later called the Company on 09/26/2018 and was advised that the claim was under final review. Your claim was denied later that day and a denial e-mail letter was sent to you at your email on file.

    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.
    Oct 12,2018
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.
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
I have been using InsureMyTrip since 2011 and never any problems with the claims I have filed. I’m very satisfied with InsureMyTrip.
Larry W. 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
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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
Much, much too expensive! Outrageous! Not easy to use and discourages use. My wife was seriously ill and hospitalized for 6 days just prior to the trip but filing a claim would have been substantially difficult and burdensome, so, she summoned up what strength she had and we went on the cruise. She was in pain, and uncomfortable throughout the trip and she did not get off the cruse ship until we reached our home port.
Jay B. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Melissa J.
    Photo
    Thank you for your feedback on the policy and we are sorry to learn that your wife suffered an illness prior to your trip.

    The policy that you purchased does cover the following if you had to cancel or interrupt your trip.
    "(a) Sickness, Accidental Injury or death of You, a Traveling Companion, or Family Member which results in medically
    imposed restrictions as certified by a Physician at the time of Loss preventing Your participation in the Trip. A Physician
    must advise cancellation of the Trip on or before the Scheduled Departure Date;"

    It would be standard procedure with any travel insurance policy that you would have to file a claim in order to be compensated for Trip Cancellation. 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, we can be reached at 800-487-4722.
    Oct 01,2018
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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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?
Alexander I. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Melissa J.
    Photo
    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
    Team1@cbpinsure.com
    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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Show reviews per page.

Top 5 Providers

  1. GeoBlue
    (4.71)
  2. IMT Services
    (4.67)
  3. Nationwide
    (4.63)
  4. MedjetAssist
    (4.62)
  5. Arch RoamRight
    (4.61)
  1. GeoBlue
    (4.58)
  2. Berkshire Hathaway Travel Protection
    (4.54)
  3. Crum & Forster - Travel Insured International
    (4.53)
  4. Allianz Global Assistance
    (4.52)
  5. Travelex
    (4.49)