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.
Nationwide Mutual Insurance
Essential
Easy to purchase and understand and quite affordable for such a big trip that gave me peace of mind. I had to alter my dates after purchasing and they fixed it to my new dates at no additional cost.
John J. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
I look for a high medical evacuation coverage at the lowest rate and this plan had $250,000 for about $45.
Steven F. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Did not have to use it, so I really don't know how good it was; however, from the comments, it seems good. In addition, in comparing some of the other policies, they all seem essentially the same. I'm satisfied that I did not have to use it, but it was there if I needed it.
Rodney C. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Customer service was easy to reach and quick to respond when I had a question or concern.
Donna N. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Did not use, so can't review some items....I was satisfied with the cost of the plan I bought, but unknown if the coverage would have been good or not as not used.
Richard A. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
I didn't have to use it but the cost was reasonable for all the options available. Thank you!
Diane R. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
I did not have a claim this year but I have had a medical claim in the past and although the claim required me to submit a large volume of documentation, it was paid in a reasonable time frame by Nationwide. This year, our return flight was delayed 2 hours and it was questionable if we would be able to clear customs and immigration and make our connecting flight. If we had missed the connection, we would have been delayed overnight and we would have been covered for some of the out of pocket expenses that for a room while we waited for a flight the next morning. Luckily, we did make our connection but knowing that we had a backup plan if needed was a relief.
Gerald G. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Easy to purchase! Good coverage!
Roshanda J. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Plan should include Visa coverage.
Shawn Y. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Consumers Beware - Do Not Purchase this Company Plan. Before you make your decision - read their policy carefully!!!
The Plan I purchased includes coverage for trip delay at $150 per day - which by default, in all other insurance companies I used in the past - covered the unused part of your prepaid expenses (with a maximum daily limit). However, Nationwide Mutual Insurance Company does not cover that and does not explain that in their policy before you purchase it. My flight was canceled and I made it to my destination 24 hours later. I filed a claim due 24 hours delayed arrival to my vacation, but my claim was denied. According to their rules, they only pay for the additional expenses that happened due to the delay, and not the lost unused portion of you package. The way I see it - it is a highway robbery. I had similar situation before with other insurance companies, and even though I did not get the amount I actually lost by prepaying, I did get their maximum per day that was described in the policy. I do not recommend this policy to anyone and will never buy coverage from Nationwide Mutual Insurance company again.
The Plan I purchased includes coverage for trip delay at $150 per day - which by default, in all other insurance companies I used in the past - covered the unused part of your prepaid expenses (with a maximum daily limit). However, Nationwide Mutual Insurance Company does not cover that and does not explain that in their policy before you purchase it. My flight was canceled and I made it to my destination 24 hours later. I filed a claim due 24 hours delayed arrival to my vacation, but my claim was denied. According to their rules, they only pay for the additional expenses that happened due to the delay, and not the lost unused portion of you package. The way I see it - it is a highway robbery. I had similar situation before with other insurance companies, and even though I did not get the amount I actually lost by prepaying, I did get their maximum per day that was described in the policy. I do not recommend this policy to anyone and will never buy coverage from Nationwide Mutual Insurance company again.
Faina K. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Mike
Thank you for your feedback on the policy.
You had the following coverage for unused nonrefundable trip costs, under 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.
You are correct in stating that the Trip Delay coverage is for expenses that you incurred while delayed.
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.Jun 05,2017 -
Mike
.Jun 05,2017
You are correct in that this policy was not designed specifically for visa coverage. When looking to fulfill visa requirements we recommend that you give us a call and speak with a licensed representative. We are open 7 days a week and can guide you to the correct policy that can meet all of your visa requirements. We can be contacted at 1-800-487-4722.