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Nationwide Luxury Cruise

The Nationwide Luxury Cruise plan is available to those who will be traveling on a cruise during their trip. It offers the highest benefit amounts of the three Nationwide Cruise plans. This plan is available for those who may be going on longer, more expensive cruises, as it allows for a maximum trip cost of up to $50,000 per person with a trip length up to 120 days.

The Luxury Cruise plan includes important coverage such as trip cancellation and trip interruption, if you need to cancel prior to departure or interrupt after departure for a covered reason. Other comprehensive travel insurance benefits include baggage protection, travel delay, missed connection, medical, emergency medical evacuation and non-medical evacuation coverage to list a few.

This plan offers optional Cancel for Any Reason coverage for residents of most states that meet all eligibility requirements. This will reimburse up to 75% of your pre-paid, non-refundable trip costs if you have to cancel your trip for something other than a covered reason. With Cancel for Any Reason, cancellation must no later than two days prior to departure. The benefit will allow you to recoup a percentage of the money you originally paid for your cruise.

Among the covered reasons for cancellation or interruption is if a CDC Travel Warning should affect your trip. Coverage is offered in the event you cancel or interrupt your trip due to the unforeseen issuance of a CDC travel warning in your destination during the time of your trip.

Unlike the Universal Cruise plan, but similar to the Choice Cruise plan, this plan includes a pre-existing conditions exclusions waiver. This will reimburse for covered medical care needed due to a pre-existing condition, if the plan is purchased within 14 days of initial trip payment and all other requirements are met.

A trip can be planned on a whim or it could be something that has been saved for and dreamed about for a long time. Even with the best planning, a medical issue or a travel delay may arise, and this coverage and assistance services can help you in your time of need.

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

Repatriation of Remains

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
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

Repatriation of Remains

Your Quote

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Ratings and reviews

Our customers rate the Nationwide Mutual Insurance Company Luxury Cruise on our site
(4.63) of 5
on average based on 279 reviews.
A.M. Best Rating
Better Business Bureau Rating
We initially scheduled our trip to Antarctica for the 2020/2021 season. When Covid hit, our trip was cancelled. Because of this insurance, we were able to recoup our money and reschedule our trip to 2022/2023. Our trip was saved and was awesome!
Lydia O.
It’s hard to provide a rating and feedback on something I fortunately did not need to use. I THINK it covered everything I might have to worry about.
Janice M.
Grumble, grumble, I filed a claim for an Interrupted trip in May. NW requested additional info on July 9, 2022. I sent the info the next day. On Aug 22 I called and they confirmed that they had the info but the 60 day processing clock restarts with the additional info. Called again today 9/9/22 and the claim has not been processed. They will label for "Expedited audit" which should take 2-3 more weeks. I have purchased several Luxury Cruise policies and NW customer treatment is very poor. Once they get the additional info the clock should not start over. I am booking another cruise next week. Can you recommend a company with a comparable policy that has better customer service? Thx UPDATE Dec 6, 2022 My original claim was denied so I filed an appeal. On October 10 they asked for further documentation. I supplied the info on October 12th. As of Dec 6th I still do not have a disposition. I called Coordinated Benefits Plan (CPB) for an update and their systems have been down for two days. How is this any way to run a business? UDATE Dec 7, 20022 CBP computers down for a 3rd day. They took my phone number and said they would call me when systems are back up. I decided to call Nationwide Customer Relations and opened a complaint. The agent will notify the proper insurance group at Nationwide of the delays and will call me back within two days. Stay tuned. Final update 12/8/2022 Received an email from CBP that my claim will be paid in full. It shouldn't take 9 months to resolve a simple claim such as this one. At this point it is not delays related to the Covid shut down. Maybe they should have an Operations Mgr look at their workflow. Happy Holidays...
Francis S.
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