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
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
Nationwide Mutual Insurance
Essential
While we didn't use the insurance, I was glad to know we had it if we needed it -- especially because we had some sizeable non-refundable deposits. The price was reasonable and it covered everything we needed. And several times, I thought we might have to use it because it seemed like everything that could go wrong before a vacation did. Less than a week before we left, we had a death in the family that put our travel plans in question. We got that resolved, only to break my toe the night before we left for our trip (which included some extensive hiking). Again, we decided to go through with the trip. And while we didn't need to use the insurance this time around ... I was reminded how quickly life can change your plans.
Rita P. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Hard to rate u if I did not file claim but very satisfied with policy
rolland s. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Great coverage at a great price - glad I didn't need to use any of it!
Timothy P. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Luckily, didn't have to use
Diane P. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
I booked a trip to Germany through a tour company. I unknowingly paid for their trip insurance as part of the tour price. When I investigated their insurance company, I discovered that the coverage benefited the company more than it benefited me. So, I decided to do what I always do when I take a big trip: Go to insuremytrip.com and get me some travel insurance that benefits me. As usual I was satisfied with my purchase. Fortunately I didn't have to use it but I was happy knowing that I was covered just in case.
Chaundra O. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Fortunately we didn't need to file a claim so can't comment further but important to know we had it if needed.
Roger M. would
recommend this plan to a friend or relative.
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.