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
tour
Nationwide Mutual Insurance
Essential
I have been very satisfied with the selection of this plan.
Lawrence D. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Difficult to actually rate either the company or the plan without having filed any claims. The actual proof of how good or bad the company is , has to do with how responsive they are in handling claims.
Irwin T. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Thankfully did not need any support on this trip. We've used them before in situations where we did need support and they were attentive.
Peter C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Did not use the plan so I do not know if it was useful or a value.
Scott Z. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Friendly and easy access to the online information. Reasonable price for the coverage
Neomi S. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
I had to file a very simple straightforward rather inexpensive claim. The communication is absolutely nil They do not respond to you at all. They send you a simple form response and tell you to wait 15 days. 15 business days that is. Whoever expects to have to wait 15 business days to have a simple claim adjudicated. Completely unreasonable. Not the only thing, they did not fully cover my loss. Something to the effect that it was over the limit. I broke my camera, and you're not going to cover the cost of a $273 camera? Over The limit? Not impressed. I would say if you can go with a different company, that is communicative. And covers your loss fully... Go with the other company
Cynthia M. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
This is my second time using this company, even though I did not have to file a claim everything went like clock work I felt safe & secure purchasing my insurance for my trip & will more than likely use again in the future! Thank You.
Debra C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Everything was simple and fast to purchase on line, website is very convenient & it explains policy clearly. Even though I did not have to put a claim in I felt safe & secure with my choice & purchase. Thank You!
Knicole C. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
After comparing several plans, this one was the lowest cost for the essential coverage I needed for my family on a cruise from NYC to Bermuda. That coverage include emergency evacuation (from the ship at sea, if necessary) and emergency medical (while in a foreign port). Although the likelihood of using such coverage is slim, it is always best to error on the side of caution. Since I did not need to file any claims I cannot rate that aspect of the policy, but can say that the price was right for what coverage I wanted.
Joseph R. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
I've never purchased travel insurance before, but this plan was available for such a reasonable price that I figured why not. It really provided me with peace of mind for my trip.
Tara F. would
recommend this plan to a friend or relative.
Nationwide advises that your claim was received on 04/22/2019 claiming 273.27 USD for the camera. Your claim was received via email and an automated response would have been sent advising of the 15 business days. The claims representative then reviewed the claim on 05/03/2019. Payment was released on 05/06/2019 for the maximum benefit of 250 USD per article.
We are sorry that you are unhappy with the maximum payment of 250 USD but the limitation is shown in your quote and can be reviewed prior to purchasing the policy:
"Baggage and Personal Effects – Coverage is Secondary:
Up to 600 USD / 250 USD per article limit; 500 USD combined maximum for specified items."
"There will be a combined Maximum Benefit limit shown on the Confirmation of Coverage for the following: jewelry; watches; articles consisting in whole or in part of silver, gold or platinum; furs; articles trimmed with or made mostly of fur; cameras and their accessories and related equipment.”
Even though you believe that the claim took too long to process, the claims representative settled your claim within 15 days of receiving your documents.