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
Had two issue with this plan.
1) Keys were lost in FLL airports security check. Long story short, I waited 20+ minutes for a pat down and in the process my keys were lost/stolen/taken. I guess the fine print does excludes keys, and a long list of other things someone might normally lose.
2) I had a medical issue. My ears stopped up with wax (after going underwater) on a snorkel/sail trip. My hearing was down to almost nothing afterward. I started to show signs of illness/infection related to this a couple days later. I called Nationwide several times, only to get passed around to several other reps (sound familiar?). After finally getting someone to respond, I was not given an answer if seeing the doctor would result in compensation from Nationwide.
Even though I explained the situation in detail, they said they could not guarantee payment and I would have to fill out a claim when I returned home!
As a result, I went to the pharmacist in Curacao and they sold/advised me on peroxide, and Royal Caribbean's ship nurse was nice and gave me a syringe. After some doctoring for 1+ hours, I was able to resolve my issue.
The doctor bill from Royal Caribbean would have been over $300.00.
Bottom line, I did not feel any "peace of mind" from Nationwide. It was just the opposite! I Will look elsewhere next time.
1) Keys were lost in FLL airports security check. Long story short, I waited 20+ minutes for a pat down and in the process my keys were lost/stolen/taken. I guess the fine print does excludes keys, and a long list of other things someone might normally lose.
2) I had a medical issue. My ears stopped up with wax (after going underwater) on a snorkel/sail trip. My hearing was down to almost nothing afterward. I started to show signs of illness/infection related to this a couple days later. I called Nationwide several times, only to get passed around to several other reps (sound familiar?). After finally getting someone to respond, I was not given an answer if seeing the doctor would result in compensation from Nationwide.
Even though I explained the situation in detail, they said they could not guarantee payment and I would have to fill out a claim when I returned home!
As a result, I went to the pharmacist in Curacao and they sold/advised me on peroxide, and Royal Caribbean's ship nurse was nice and gave me a syringe. After some doctoring for 1+ hours, I was able to resolve my issue.
The doctor bill from Royal Caribbean would have been over $300.00.
Bottom line, I did not feel any "peace of mind" from Nationwide. It was just the opposite! I Will look elsewhere next time.
Steven Z. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
I would never travel on vacation without travel insurance. Although I was lucky and didn't need to use the insurance, it gave me peace of mind at a reasonable price.
Ira C. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
I didn't end up filing a claim, but the process to get the coverage was easy and it was nice knowing that the coverage was there if it was needed.
Brian G. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
Happy that I didn't have to use it.
Janice S. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Without a claim you can't really rate an insurance company.
Thomas V. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Nationwide had everything we wanted in travel insurance at a great price!
Paul B. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Since I didn't need to use insurance, I'm not sure if all items were covered. However, the price was great and I felt confident having it. Would definitely use it again.
Laurilyn K. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
peace of mind-priceless
Mark N. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Reasonable price; good basic coverage; much more cost effective than the plan offered by the cruise line.
Neal E. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Having this insurance made our trip even more relaxing and enjoyable. Thank You!
Michael V. would
recommend this plan to a friend or relative.
In event that you were treated by the ship doctor and were billed for the treatment/medication, you would be required to pay those expenses out of pocket and file a claim for reimbursement. Symptoms of an ear infection are certainly something to seek immediate treatment for, however, it is not typically an example of an illness or injury that would result in a guarantee or advance of payment from a travel insurance provider.
Please let us know if you have any questions or concerns by calling 800-487-4722.