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 product page.

Customers who have rated the Nationwide Mutual Insurance Company Essential plan
4.68 out of 5
1,108
ratings and reviews
96%
recommended
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Cruise
Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Essential
Worked flawlessly!
Daniel D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Nationwide Mutual Insurance Essential
We are thankful we did not need to make a claim.
James H K. 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
all my questions were answered. every time I called someone answered the phone, a big plus in 2016. the price was fair.

nice people to talk to and work with.
darrell r. 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
Great coverage, great price for peace of mind!
James R. 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
Nobody ever things anything will go wrong with their plans. But when it does it's nice knowing that there is a company that is there to help them through it. That's exactly what happened to us. We had to cancel our cruise do to a medical condition and Nationwide Mutual and Insure my trip came through for us in a very fast response and satisfaction time frame. It was a great pleasure knowing now that it pays to insure your trip. Thanks for making this so painless.
Paul L. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Essential
Living in NC and faced with Hurricane Matthew, we consulted the insurance company about cancelling due to the storm heading straight for us. We were told if the ship leaves and your not on it then there was no claim, really!!! We were then told if your house was knocked down they would pay, really!!! I have home owners insurance for that. So I would be on a trip and my house would be destroyed and then they would pay, crazy. Nonetheless we drove well around the storm taking three days to drive what normally takes 12 hours to make sure we didn't miss the cruise, an unnecessary risk!!! Will NOT use again!!!
Kathleen B. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Zac
    Photo
    Thank you for your feedback on the policy. Hurricane Mathew was obviously a very disruptive and damaging storm. We are pleased to learn that you were able to embark on the cruise. You have used InsureMyTrip many times for your travel insurance needs, and we thank you for that. As a travel insurance comparison website, we offer a wide range of plans which cover Hurricane warnings and mandatory evacuations at the destination, and other inclement weather related concerns. In the future, please call us at 800-487-4822 prior to purchasing a policy so that we can assist you in selecting a policy that best suits your needs.
    Nov 03,2016
The trip included a
tour
Nationwide Mutual Insurance Essential
We purchased our insurance through an InsureMyTrip representative and she led us to choose Nationwide and we are very pleased with both companies. Fortunately we did not need it, but we felt assured that things would go smoothly if we did. We would by all means recommend Nationwide Ins. for your travel ins. The price and coverage was right on target and we did shop around and hands down Nationwide won our decision.
Mary D. 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.
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
Nationwide Mutual Insurance Essential
This was the second time we have purchased a plan. In both cases it was much less expensive to get our own coverage than using the travel company. In the 1st case it was about $650. We will use Insure my Trip again!
Sandee D. 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
Since I did not use the plan I cannot fairly evaluate it.
Hazel G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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