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 need to use it, but it is a good plan to have.
suzanne p. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
I’m thankful I didn’t need to use the insurance but I’m happy that I had it with me just in case I needed it. And I will use this insurance in the future when I travel again. Thank you
Cheryl B. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Nationwide service is always there when you need them.
Tom B. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Easy, reasonable cost and representative recommended the right plan to cover pandemic.
Terence [Terry] C. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
one member of party got unexpected sickness on cruise, had medical treatment an cruise. With proper documentation, this plan covered the treatment. Thanks
jeffrey s. would
recommend this plan to a friend or relative.
5 of
7 people found this review helpful
Nationwide Mutual Insurance
Essential
Always nice to have trip insurance when we travel!
John C. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Nationwide is not on your side. I booked multiple trips and purchased multiple insurance plans with Nationwide. They failed every time. They acted poorly right out of the gate - starting with not returning calls to not paying a very small claim. I worked hard to minimize any losses even though I had insurance (or so I thought). My insurance cost $218 and my claim was a mere $283. I even emailed the CEO and never heard back. Apparently their poor way of treating people starts at the top. I was shocked at how devious and cheap they were. I have used other companies that charged more but settled claims quickly, fairly and honestly. Do yourself a favor and shop elsewhere. I do like InsureMyTrip - they did try to act on my behalf.
Randy P. would not
recommend this plan to a friend or relative.
7 of
9 people found this review helpful
Nationwide Mutual Insurance
Essential
Claim: 59572
My plan was purchased in 10/27/2019, months before COVID. This company looks hard to find an excuse to not honor trip cancellation, despite claims of "standard in the industry" or that they "regret" not fulfilling their moral obligations to honor the contract. It is my strong opinion that they have small print used to deny payments for legitimate claims, that this company does not deserve your trust or business. Nationwide certainly will never have my business.
The natural disaster is COVID. Travel to Europe from the U.S. is not allowed, as the entire U.S. is being quarantined from the EU. The hotel accommodations in Italy are not habitable by any U.S. citizen.
Additionally, I am a hospital worker potentially exposed to COVID patients daily. I must quarantine 14 days before allowing myself come in close contact to unsuspecting travelers, because it is morally correct. It is not possible to actually travel.
I do not think that I would be allowed to stay at my hotel if I were possibly contagious, if I were allowed to travel to Europe! Regardless,
I was reimbursed for most of my travel (airfare) by the airlines, so I was not even expecting to be reimbursed for the entire amount of my coverage, only a portion of the coverage for which I paid. Unlike other reputable businesses, this company does not warrant your business, in my opinion.
My plan was purchased in 10/27/2019, months before COVID. This company looks hard to find an excuse to not honor trip cancellation, despite claims of "standard in the industry" or that they "regret" not fulfilling their moral obligations to honor the contract. It is my strong opinion that they have small print used to deny payments for legitimate claims, that this company does not deserve your trust or business. Nationwide certainly will never have my business.
The natural disaster is COVID. Travel to Europe from the U.S. is not allowed, as the entire U.S. is being quarantined from the EU. The hotel accommodations in Italy are not habitable by any U.S. citizen.
Additionally, I am a hospital worker potentially exposed to COVID patients daily. I must quarantine 14 days before allowing myself come in close contact to unsuspecting travelers, because it is morally correct. It is not possible to actually travel.
I do not think that I would be allowed to stay at my hotel if I were possibly contagious, if I were allowed to travel to Europe! Regardless,
I was reimbursed for most of my travel (airfare) by the airlines, so I was not even expecting to be reimbursed for the entire amount of my coverage, only a portion of the coverage for which I paid. Unlike other reputable businesses, this company does not warrant your business, in my opinion.
Marc S. would not
recommend this plan to a friend or relative.
5 of
7 people found this review helpful
-
Megan
Thank you for your feedback.
Nationwide Mutual Insurance is making exceptions for cancellations resulting from the COVID-19 pandemic, to allow you to transfer your policy to a new trip or cancel the policy as long as you meet certain requirements.
Please reach out to us at InsureMyTrip 800-487-4722, so we may further assist you in this process.Oct 20,2020
Nationwide Mutual Insurance
Essential
We booked a trip to London on at the end of January for travel in mid-June. We purchased this policy on January 31, when covid-19 had yet to be named or determined to be a pandemic . Due to the UK's continued shutdown through the spring and the UK's 14 day mandatory quarantine policy, Delta cancelled our flight in late May. We filed a claim with Delta, who fully refunded our air travel. We filed a claim with Nationwide to recover our non-fundable deposit on the London flat that we made in January. The claim was denied since covid-19 was not a named peril in the policy (well it was January 2020 with less than a handful of cases in the US) and the policy supposedly did not cover cancellation by the airline. If we couldn't fly to London, how were we going to get there!? We had a Travelex travel insurance policy 10 years ago that completely reimbursed us for a cruise that we were unable to get to because Delta cancelled our flight due to a massive east coast Christmas snow storm. I don't believe a snow storm was a peril listed in the policy. I will never buy another Nationwide travel insurance policy and would not recommend to others. They are definitely NOT on you side.
Jefferey L. would not
recommend this plan to a friend or relative.
7 of
8 people found this review helpful
-
Megan
Thank you for your feedback.
We are sorry your claim did not go as you had hoped. In the future, please consider calling us prior to purchase at 800-487-4722 so that our licensed representatives can review plan benefits and exclusions with you.Sep 29,2020
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Agents suggest you take out the policy several months in advance. Cruise and flight cancelled, but rebooked at a cheaper cost. Insure my trip Nationwide refused any refund saying I only had 10 days to cancel or change Poilicy. Cruise line and air carrier gave refunds for price difference, not Nationwide! They took advantage of the situation! Will NEVER use Insure my Trip Nationwide again!
Debra G. would not
recommend this plan to a friend or relative.
2 of
4 people found this review helpful
-
Megan
Thank you for your feedback.
We are sorry to learn that your trip was postponed. Fortunately, Nationwide Mutual Insurance was able to transfer your policy to the new travel dates at no additional cost. You are correct in that most comprehensive travel insurance policies have a review period, typically 10-15 days from the date you purchase the plan, depending on the state you live in. The Nationwide Essential plan in your state of residence has a 10 day review period in which insureds are able to cancel the policy or make any changes that would result in a premium refund. There are no refunds outside of the review period. For information about how travel insurance can accommodate a rescheduled or cancelled trip, please call us at 800-487-4722.Oct 06,2020
We are sorry to hear that you were unable to travel. Upon learning that your claim was deemed unpayable, we reached out to you about Nationwide making an exception to cancel the policy for a refund of premium. Nationwide needs additional information in order to determine if you meet the guidelines for a successful exception. Please contact us at 800-487-4722 for further information.