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 began the filing process back in August for a claim and only just got the final response/payment. It took multiple emails and phone calls to get this processed correctly. Multiple duplicated requests for paperwork. Incorrect amounts mailed. The process of having to email in response to a question and then wait two weeks till someone decides to respond with yet another request for duplicated information was an example of extremely poor customer service. Extremely inconvenient not to be able to talk directly to the processor and get the claim processed timely. No explanation with checks either until the very last one after I requested to speak with management and the person on the phone assured me they would assist with following up. Would never work with them again for this reason.
Abigail J. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Our cruise was canceled by the cruise company, and while they reimbursed the cost, this led to a rearrangement of our travel plans, resulting in additional costs and forfeited non-refundable airline tickets. Nationwide denied coverage for all these expenses, claiming that a common carrier breakdown is not a covered reason, which seems completely counterintuitive. They also rejected reimbursement for additional expenses related to our changed travel plans, stating that the cruise cancellation occurred before the scheduled travel date, and thus trip interruption or trip delay not being applicable.
We understand that the details are often in the fine print. However, not being experts in legal matters, we expected the insurance company to support us in a situation that seems to involve common sense, which our circumstances certainly do. I will review the fine print further, but in any case the outcome is most definitely not what a reasonable consumer would anticipate when purchasing travel insurance.
We are deeply dissatisfied with our purchase, with Nationwide, and with how the insurance company handled this situation.
We understand that the details are often in the fine print. However, not being experts in legal matters, we expected the insurance company to support us in a situation that seems to involve common sense, which our circumstances certainly do. I will review the fine print further, but in any case the outcome is most definitely not what a reasonable consumer would anticipate when purchasing travel insurance.
We are deeply dissatisfied with our purchase, with Nationwide, and with how the insurance company handled this situation.
Michael S. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
We have always purchased trip insurance for our vacation travels. This was the first time I had ever had to file a claim. Our connecting flight was delayed over 3 hours causing us to miss embarkation in Miami for our 7-day cruise. The first 2 days were spent at sea and the first port of call in St. Kitts. We would not be able to get to the ship until 3 days later. We thought that our comprehensive insurance would reimburse us. However, we received an email notification from Nationwide denying our claim stating that because the flight was only 3 hours delayed we were not eligible to be reimbursed for anything. We were not refunded for trip delay or trip interruption. We paid just over $5K for the vacation and another $197 for the insurance that proved to be worthless. I would not recommend buying trip insurance from Nationwide.
Terry M. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Purchased this plan through a third party website, which I will not do again. I will go straight to Nationwide for my needs. The third party site did not allow me access to my policy once purchased. I received an email once purchased with my policy number and that was it. I couldn’t find my policy to print it so I had to call Nationwide an ask for it to be emailed to me. Cut out the middle man and make life easier, I’m assuming purchasing directly would have also saved me a little money.
Sean W. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Thankfully I didn’t need the insurance but knowing that I had it was peace of mind and made my cruise that much better.
Caroline S. would
recommend this plan to a friend or relative.
1 of
3 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
I had to file a claim due to a trip interruption. The claim process was absolutely insane. It was difficult to get any type of reimbursement.
Nathan R. would not
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
Plan provided adequate care at a reasonable price. Had air problems @ beginning of trip and was disappointed there is NO phone support on weekends.
Bruce E. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Felt most comfortable with having the insurance with a well-known, highly rated insurance carrier.
Richard W. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Had to make a trip delay claim. It took about 3 weeks to receive payment, but that isn’t excessive. The Nationwide website could be improved, but the process was fairly easy.
Daniel S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
I chose my plan based on the reimbursements that would be available for cancellation; trip interruption; baggage loss and the medical, and more. I luckily did not have to file a claim but felt good about the level of coverage I would have.
Loretta S. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful