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
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
Nationwide Mutual Insurance
Essential
Did not need the insurance, but it gave me peace of mind.
Elisabeth G. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
My claim was handled and paid promptly. Glad I had the insurance!
Liana H. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Luckily, I did not need to use this insurance.
Irina A. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Our flight home was delayed a day due to freezing fog so our plane was unable to land and was diverted back to PDX. Nationwide Insurance was very easy to deal with to be reimbursed for our night in a motel. The person I spoke with was very helpful and courteous and our claim was paid promptly. Thank you.
Carolyn V. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
The plan was cheaper than the one through the cruise line.
Howard W. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
BUYER BEWARE!!
We have been purchasing trip insurance through InsureMyTrip and Nationwide for years. On Dec. 16, our flight was canceled meaning we could not reach our cruise destination of San Juan and had to meet the cruise a day later in St. Kitts. I felt sure our trip interruption portion of our policy would cover the cost of missing one day of a very expensive holiday cruise. Wow, was I wrong. When I called Nationwide, I was told unless the airport is completely shut down, the cancellation of a flight is not covered. I was told there was no need to file a claim as no payment would be made. I called InsureMyTrip to speak with someone about this. I was told, "Sorry you're not happy. Have a great day."
Never Ever Again!!!
Read every word of the fine print.
We have been purchasing trip insurance through InsureMyTrip and Nationwide for years. On Dec. 16, our flight was canceled meaning we could not reach our cruise destination of San Juan and had to meet the cruise a day later in St. Kitts. I felt sure our trip interruption portion of our policy would cover the cost of missing one day of a very expensive holiday cruise. Wow, was I wrong. When I called Nationwide, I was told unless the airport is completely shut down, the cancellation of a flight is not covered. I was told there was no need to file a claim as no payment would be made. I called InsureMyTrip to speak with someone about this. I was told, "Sorry you're not happy. Have a great day."
Never Ever Again!!!
Read every word of the fine print.
Judith L. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Mike
Thank you for your feedback on the policy. We are sorry to hear that your flight was cancelled and that your vacation was negatively impacted.
The Nationwide Essential plan is a "named peril" policy which means that the peril (covered reason) must be specifically listed in the plan or there is no coverage. This particular plan includes the following coverage for Trip Interruption:
"Weather that causes complete cessation of services of the Common Carrier for at least twenty-four (24) consecutive hours and prevents You from reaching Your destination."
We do have other policies available on our site that have specific cruise benefits, such as Missed Connection. In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.Jan 04,2018
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.