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.

Unlike the Universal Cruise plan, this cruise insurance plan features an optional benefit, Cancel for Any Reason. This will reimburse up to 70% of your pre-paid, non-refundable trip cost if you have to cancel your trip for something other than a covered reason up to two days prior to departure. With this benefit you will not be reimbursed with future cruise vouchers, but with an actual percentage of the money you originally paid for your cruise.

This plan also 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. Cancel For Any Reason coverage is optional on this plan for residents of some states if all eligibility requirements are met.

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 Info

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

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
(4.66) of 5
on average based on 627 reviews.
A.M. Best Rating
Better Business Bureau Rating
This is the best company to deal with and the prices are very affordable.
Elvira F.
Hard to rate the coverage when I didn't have anything to file a claim against. That's a good thing, right? But it definitely provides for peace of mind.
Constance A.
I bought this insurance because my wife and I were taking our first cruise. Our friends take out trip insurance for every cruise and recommended using this because it was cheaper than what the cruise line offered. I believe this plan was as good as the plan the cruise line offered, but at a better rate. If I were to purchase trip insurance, I would get this plan again. However, I will probably not buy trip insurance again. I felt like this was a markup playing into my fears much like extended warranties, flight insurance, and rental car add'l insurance. I would rather plan my trip smartly to prevent the kind of things one would use trip insurance for. For example, my wife and I flew into the embarkation city a day ahead of time and picked a return flight several hours after cruise returned to port, so there was hardly any chance of us missing the cruise or our flight home. We also picked a cruise during the time of year when the weather was mild, which would prevent a change in itinerary due to storms, hurricanes, etc.
Jason T.
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