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Nationwide Choice Cruise

The Nationwide Choice Cruise plan is only available to those who will be traveling on a cruise during their trip. It offers similar coverage to the Universal Cruise plan, but with higher benefit amounts.

This plan includes important coverage such as trip cancellation and trip interruption which allows you to cancel prior to departure or interrupt after departure for a covered reason. It also includes baggage coverage, travel delay, missed connection, medical, and emergency medical evacuation coverage to list a few.

Everyone hopes for a vacation that goes off without a hitch, but there is always the chance that the unexpected may happen. The Choice Cruise plan can provide coverage so that a lost bag or a flight delay won't completely ruin your trip.

Coverages and Plan Info

Coverage amounts are per person, unless otherwise noted.

Plan Summary

Protect your trip with cancellation, interruption, delay and medical benefits.

Highlighted Coverages

Trip Cancellation
Trip Interruption
Pre-Existing Condition Lookback Period
Medical Evacuation

Plan Info

Plan Type
View Certificate
Refund Policy
Available to
U.S. Residents traveling on a covered cruise line during the trip
AM Best Rating

Trip Protection

Trip Cancellation
Trip Interruption
Terrorism in Itinerary City
Interrupt for Any Reason
See Return Home Early coverage details in Additional Benefits section below
Cancel for Any Reason
Vacation Rental Damage

Accidental Death

24-Hr Full Coverage
Common Carrier
Included in Accidental Death 24-Hour
Flight Only
Included in Accidental Death 24-Hour


Medical Evacuation

Your Quote

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Ratings and reviews

Our customers rate the Nationwide Mutual Insurance Company Choice Cruise on our site
(4.62) of 5
on average based on 860 reviews.
A.M. Best Rating
Better Business Bureau Rating
I had a very hard time getting the information I needed and there was not sufficient transparency about the costs. That makes this survey hard to answer. These were not issues related to the challenges of Covid which I know are many. It was a very frustrating experience and I was disappointed with both Nationwide and Insuremytrip.
Maureen S.
We unfortunately had to utilize our travel insurance plan due to an ATV accident on Moorea. We cannot express our thanks enough for all the help in coordinating our medical evacuation and other details. We will never travel without Thank you again!
Shirley P.
We purchased trip insurance that included trip cancellation. What a total waste of time and an obvious twisting of words by Nationwide to avoid paying a claim. This type of result is what gives insurance companies a bad name. I reviewed our policy in detail before filing our claim. Our cruise was cancelled by Holland America back in April due to Covid-19. This is the reply we received from Nationwide. "Because the Coronavirus/COVID-19 is not one of the named perils listed in the plan, we are unable to consider this to be a covered claim. Regrettably, your claim does not qualify for reimbursement based on this reason" Following the above statement, Nationwide lists what they do cover.... see below... The policy you purchased provides the following benefits: "Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine" Do you see the problem here? They are picking and choosing (spinning) what they will cover. The Govt prevented cruising due to the spread of disease, but because their verbiage doesn't specifically say Covid-19, it doesn't qualify. What a crock of BS! I will be filing a complaint with the department of insurance. I will NEVER purchase travel insurance from Nationwide again. In my opinion, they stole money from me in selling me a policy that was worthless!
Cory R.
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