Embarking on a new journey is thrilling, but it often comes with uncertainties.
With a myriad of travel insurance plans on the market, you may find yourself wondering: is the Nationwide Essential Travel Insurance Plan the right choice for my needs? We’ve delved deep into its features to help you make an informed decision
In this article...
Overview and Key Data:
Designed with the modern traveler in mind, the Nationwide Essential plan provides comprehensive coverage for an array of travel needs.
Ideal for those who seek peace of mind without the intricate complexities of some plans, its standout features make it a competitive option.
- Plan Type: Comprehensive
- Refund Policy: 10 Day Money Back Guarantee
- AM Best Rating: A+
Recommended Plans
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Plan Summary:
Beyond the basic benefits, the Nationwide Essential ensures you’re covered for those unexpected hiccups. From the basics of trip protection to more specific eventualities, here’s what the plan offers:
Benefits & Coverages
- Trip Cancellation: Up to trip cost
- Trip Interruption: Trip Cost + 25%
- Baggage Loss: $600 ($250 per article limit, $500 combined max. for specified items – secondary coverage)
- Baggage Delay: 12+ hours, up to a $100 max.
- Medical Limit: $75,000 (secondary coverage)
- Pre-Existing Condition Waiver: Available if insurance is purchased within 10 days of Initial Trip Payment (certain conditions apply)
- Pre-Existing Condition Lookback Period: 60 Days
- Medical Evacuation & Repatriation of Remains: $250,000 each
Moreover, travelers can benefit from additional layers of protection in the domains of:
Trip Protection: Ensuring your investments are secure, this aspect covers not just cancellations but also interruptions and delays. If an emergency or unexpected event derails your plans, Trip Protection ensures you’re not left out of pocket.
Medical Coverage: Accidents or illnesses are uninvited guests on any trip. Travelers are covered up to $75,000 for secondary medical expenses, ensuring they can get the necessary medical assistance without the dread of colossal bills.
Pre-Existing Conditions: This plan offers a waiver for pre-existing conditions, given that the insurance is procured within 10 days of the initial trip payment. This means travelers can have peace of mind knowing that conditions they already have might be covered.
Accidental Death: Beneficiaries receive a specified sum in the unfortunate event of a traveler’s demise due to an accident.
Evacuation: This plan allocates $250,000 for medical evacuations, ensuring swift and efficient transportation in critical times.
Additional Benefits: Beyond primary coverages, Nationwide Essential offers a range of benefits tailored to diverse needs, from rental car damage coverage to coverage for lost or stolen passports.
Who is this plan popular amongst?
The Nationwide Essential plan appeals to a wide demographic, but it’s especially popular among families and solo travelers.
Its comprehensive coverage ensures families traveling with children are protected against unforeseen circumstances, while solo travelers appreciate the peace of mind it offers when journeying alone.
What are the biggest drawbacks of this plan?
Every plan has its limitations, and for the Nationwide Essential, the secondary nature of some of its coverages stands out. This means that travelers would need to file a claim with their primary insurance first.
Additionally, while the pre-existing condition waiver is a strong feature, it comes with stringent stipulations that not all travelers may meet.
Conclusion
Given its robust offerings, the Nationwide Essential Travel Insurance Plan stands tall amongst many in its category. It strikes a balance between extensive coverage and cost, making it a worthy consideration for most travelers.
However, potential buyers should be aware of its drawbacks and ensure it aligns with their travel needs. For those ready to secure their trip, purchasing this plan from reputable platforms like visitcover.com is recommended.
Safe travels!
