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Nationwide Essential

The Nationwide Essential plan is a good option if you are planning a trip on a budget, but don't want to sacrifice coverage.

With coverages like trip cancellation, trip interruption and baggage protection, this plan includes the standard comprehensive travel insurance coverages. It also features some additional options. You can add the optional coverages for rental car collision if you are planning on using a rental car during your trip. Be sure to call your rental car company to verify if they will honor this coverage.

If you purchase the plan within 10 days of your initial trip payment; insure the full pre-paid, non-refundable cost of the trip; and meet all the eligibility requirements you could qualify for additional time sensitive benefits, such as financial default coverage and the pre-existing conditions exclusions waiver.

This plan also includes medical coverage for unexpected medical and dental emergencies. If you qualify for the pre-existing conditions exclusions waiver, you could receive treatment for illness or injury associated with that pre-existing condition, regardless of the lookback period. The plan also includes emergency medical evacuation if the attending physician recommends that your condition warrants transportation to another medical facility.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Highlighted Coverages

Trip Cancellation
Trip Interruption
Pre-Existing Condition Lookback Period
Medical Evacuation

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
U.S. Residents
AM Best Rating

Trip Protection

Trip Cancellation
Trip Interruption
Terrorism in Itinerary City
Interrupt for Any Reason
Cancel for Any Reason

Accidental Death

Common Carrier
Included in Accidental Death 24-Hour
Flight Only
Note: Your Accidental Death-Flight amount depends on the amount you select for Accidental Death-24-Hour


Medical Evacuation

Additional Benefits

24-Hour Emergency Assistance
Rental Car
Optional Coverages
Confirmation of Coverage

Your Quote

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Ratings and reviews

Our customers rate the Nationwide Mutual Insurance Company Essential on our site
(4.64) of 5
on average based on 6274 reviews.
A.M. Best Rating
Better Business Bureau Rating
We booked a trip to London on at the end of January for travel in mid-June. We purchased this policy on January 31, when covid-19 had yet to be named or determined to be a pandemic . Due to the UK's continued shutdown through the spring and the UK's 14 day mandatory quarantine policy, Delta cancelled our flight in late May. We filed a claim with Delta, who fully refunded our air travel. We filed a claim with Nationwide to recover our non-fundable deposit on the London flat that we made in January. The claim was denied since covid-19 was not a named peril in the policy (well it was January 2020 with less than a handful of cases in the US) and the policy supposedly did not cover cancellation by the airline. If we couldn't fly to London, how were we going to get there!? We had a Travelex travel insurance policy 10 years ago that completely reimbursed us for a cruise that we were unable to get to because Delta cancelled our flight due to a massive east coast Christmas snow storm. I don't believe a snow storm was a peril listed in the policy. I will never buy another Nationwide travel insurance policy and would not recommend to others. They are definitely NOT on you side.
Jefferey L.
Agents suggest you take out the policy several months in advance. Cruise and flight cancelled, but rebooked at a cheaper cost. Insure my trip Nationwide refused any refund saying I only had 10 days to cancel or change Poilicy. Cruise line and air carrier gave refunds for price difference, not Nationwide! They took advantage of the situation! Will NEVER use Insure my Trip Nationwide again!
Debra G.
They state on their website they are refunding for canceled trips without claims due to Covid. It is been 10 weeks and I have not received anything except excuses. I will not purchase from them again.
Jocelyn S.
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