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
More people should use this.
Timothy F. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
It was great to be able to compare plans. The website was very easy to use.
Stanley G. would
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
This is the second time we have used your trip insurance and are completely satisfied with your coverage.
William M. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
I feel a discount should be given if someone uses your insurance more than once a year. we go away about 3-4 times a year and the insurance gets very expensive
milton c. would
recommend this plan to a friend or relative.
-
Carol
Thank you for your feedback on the policy. We appreciate your choosing InsureMyTrip for your travel insurance needs. Unfortunately, we cannot offer discounts for insurance. Insurance is regulated by the individual states. Most states have laws against rebating which is offering a refund of part or all of the premium as an enticement to place the insurance with the agency.Feb 25,2016
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Hope the claim process works as well as the purchase.
Susann H. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
I felt this plan offered good coverage at a fair price. It was less expensive than other travel insurance policies I had researched and definitely less that the cruise line offered.
James K. would
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
Nationwide Mutual Insurance
Essential
My daughter broke her ankle two weeks before our scheduled departure for Cancun. The break required surgery a week later, then one week before departure. The customer service representative walked me through the claim procedure. I was reimbursed the full amount for which I was insured within three weeks of my claim.
Carol D. would
recommend this plan to a friend or relative.
19 of
20 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Buying the ins was easy, the representatives were very knowledgeable. Different options were explained to me in detail and what I liked the most was that no pressure was put on me to buy it. Thankfully we didn't have to submit a claim but it gave me a piece of mind having it.
Juan L. 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
I had an unexpected opportunity to check out the claim service, thanks to a winter storm-induced air travel delay. Filing the claim was convenient, since documentation can be submitted via email. The settlement check arrived a week later. My only quibble is that I didn't receive any update on the status of my claim before I received the check - I'd received an initial response to my filing, advising me to allow up to 15 business days for review, so I was expecting to have to wait a while longer to find out if I needed to submit more supporting material. (My only other experience with filing a claim on travel insurance, with another company in connection with the Icelandic volcanic eruption, had led me to anticipate the possibility of a much less satisfactory and businesslike interaction. I finally succeeded in extracting payment from that firm, after a few months and numerous phone calls.)
Bottom line: This policy seems like a good value, if the potential for arbitrary exclusion of legit medical claims doesn't bother or apply to you; and at least for a minor claim (amounting in my case to little more than the initial cost of the policy), I received speedy and straightforward claims processing service.
I bought this policy primarily because it was the least expensive package policy with an acceptable level of international medical coverage, plus it offered decent trip cancellation, interruption and delay coverage. I almost bypassed it because it has a ridiculously broad exclusion on medical claims stemming from exposure to "biological substances" (suggesting that treatment of common ailments such as infections might not be covered), but a deep dive into the fine print revealed that this limitation doesn't apply in the state where I reside. It would have been nice if the IMT customer care rep with whom I discussed my concerns had pointed that out.
Bottom line: This policy seems like a good value, if the potential for arbitrary exclusion of legit medical claims doesn't bother or apply to you; and at least for a minor claim (amounting in my case to little more than the initial cost of the policy), I received speedy and straightforward claims processing service.
I bought this policy primarily because it was the least expensive package policy with an acceptable level of international medical coverage, plus it offered decent trip cancellation, interruption and delay coverage. I almost bypassed it because it has a ridiculously broad exclusion on medical claims stemming from exposure to "biological substances" (suggesting that treatment of common ailments such as infections might not be covered), but a deep dive into the fine print revealed that this limitation doesn't apply in the state where I reside. It would have been nice if the IMT customer care rep with whom I discussed my concerns had pointed that out.
Roger F. would
recommend this plan to a friend or relative.
19 of
20 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
However, I did not file a claim. One can only give a true review when they file a claim.
KAWALL B. would
recommend this plan to a friend or relative.