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.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
It was quite a bit cheaper than Norwegian cruise line insurance.
Sherry J. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
I have used several travel insurance companies. The service I received from Nationwide was the best I have ever experienced. Thank you, Nationwide.
Robbie B. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
I did not have to use the plan so reviewing it is difficult. It provided peace of mind.
Gregory D. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Thankfully did not need to use the plan covered the basics which we needed have another trip with the same plan next month.
Christopher D. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
This is my second time insuring my trip with this plan. Luckily I didn't have to use it this time, but I filed a small claim the first time I used it, and was very satisfied which is why I came back to this plan.
Julie P. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
As I didn't need to use the insurance while on my vacation in Moscow, there's not much I can say about the effectiveness of the coverage, but I was definitely at ease knowing that if I had needed to use it, I could have contacted Nationwide and had my needs taken care of! I shopped around, and for the coverage I got, this was the best price I found! I plan to use this company the next time I go abroad!
David G. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
I use Insure my trip for every cruise we schedule. I like the option of being able to compare medical coverages for the amount of coverage, exclusions, pre-existing clause coverage, etc. The remainder of coverages appear to be similar across other insurance policies. . But to be able to compare medicall coverage, emergency evacuation, etc ar of utmost importance in purchasing a travel plan.
I would recommend Insure my trip to anyone. The prices beat those the cruise ships offer by far - and with increased coverage.
I would recommend Insure my trip to anyone. The prices beat those the cruise ships offer by far - and with increased coverage.
Zenon S. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Obtaining this insurance was quick and easy, and it gave me peace of mind as I prepared for my adventure.
Deb D. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
It appeared to be a good plan that covered the basic needs of our trip. It is unknown how good the cover would be when making a claim!
Kenneth B. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
We were unable to go on the trip b/c the owner of the place we were staying (Airbnb) said the electricity and water were still not quite 100% (we were supposed to have gone to Puerto Rico).
The agent I spoke with told me the owner would have to state that the Airbnb was “uninhabitable†for us to start a claim. Well, I was not going to ask her to lie - her apartment is not “uninhabitable†by definition - but not having the comfort of knowing for certain that we would have power and water 100% of the time coupled with knowing that a lot of areas in PR are still not really for tourists — we decided it would be best not to go at this time.
The insurance wasn’t going to cover it. We ended up losing $200 to one Airbnb (we had 2 units to cover the whole time span), $400 to the airline and the $158 for the insurance.
The agent I spoke with told me the owner would have to state that the Airbnb was “uninhabitable†for us to start a claim. Well, I was not going to ask her to lie - her apartment is not “uninhabitable†by definition - but not having the comfort of knowing for certain that we would have power and water 100% of the time coupled with knowing that a lot of areas in PR are still not really for tourists — we decided it would be best not to go at this time.
The insurance wasn’t going to cover it. We ended up losing $200 to one Airbnb (we had 2 units to cover the whole time span), $400 to the airline and the $158 for the insurance.
Stacey B. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
We are sorry to hear that you were unable to take your trip. The Nationwide Essential policy has a strict set of covered reason that the insurance company would cover in the event of a cancellation or interruption of your trip. They state:
"(e) Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable."
This terminology is the standard amongst most of our policies and the only way to cover a situation where your accommodations are in fact habitable would be with a Cancel For Any Reason benefit, which was not included on your plan.
Here are the requirements for this benefit, if you feel like this is something you would like to include on your next policy. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
Please feel free to contact us if you have any further questions or concerns. Our licensed representatives are available 7 days a week and can be reached at 1-800-487-4722.