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
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.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
This plan really came through for me 5 years ago when my elderly mother had a stroke right before I was set to sail on a European cruise. After an easy verification process from her physician about her condition, the plan paid without delay in full. I purchase this plan before every trip I take for peace of mind in knowing I am covered in case of illness or death in the family. Thanks!!!
Robert H. would
recommend this plan to a friend or relative.
6 of
6 people found this review helpful
Nationwide Mutual Insurance
Essential
I am very happy to report our trip was good, safe and without incident. Having the insurance plan gave me peace of mind and a feeling of security. Thanks.
Thomas T. 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
Great service every time I use it when traveling!!
ROSEANNE B. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
Nationwide Mutual Insurance
Essential
Since I didn't file a claim, I can't review thoroughly. But the price was reasonable for the type of coverage I selected.
James O. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
I filed a claim, and I received reimbursement in 15 business days as I was told. The whole claim process was very smooth. I will buy from them again.
Jianping J. would
recommend this plan to a friend or relative.
4 of
5 people found this review helpful