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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.

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

The Nationwide Luxury Cruise plan is available to those who will be traveling on a cruise during their trip. The plan information listed below is for general purposes only. To view specific plan information for your trip, start a quote.

Plan Summary

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

Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.

Trip CancellationTrip Cost
Trip InterruptionTrip Cost + 50%
Baggage Loss$2,500
$500 per article limit
$1,000 combined max. for specified items (secondary)
Baggage Delay6+ hours
$1,000 max. (secondary)
Medical Limit$250,000 (secondary)
Pre-Existing Condition WaiverIf insurance purchased within 14 days of Initial Trip Payment and certain conditions are met
Pre-Existing Condition Lookback Period60 days
Medical Evacuation$1,000,000

Repatriation of Remains
$1,000,000

Plan Info

Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.

Plan TypeComprehensive
Refund Policy10 Day Review Period
Available toU.S. Residents traveling on a covered cruise line during the trip
AM Best RatingA+

Trip Protection

Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.

Trip CancellationTrip Cost
Trip InterruptionTrip Cost + 50%
Financial Default14 day wait, if insurance purchased within 14 days of Initial Trip Payment and certain conditions are met
Terrorism in Itinerary CityForeign and U.S. Domestic
Interrupt for Any ReasonSee Return Home Early coverage details in Additional Benefits section below
Cancel for Any Reason75% of non-refundable trip cost [Requires purchase within 14 days of Initial Trip Payment and certain conditions are met] (optional)
Baggage Loss$2,500
$500 per article limit
$1,000 combined max. for specified items (secondary)
Baggage Delay6+ hours
$1,000 max. (secondary)
Travel Delay6+ hours
$200/day
$1,000 max. (secondary)
Vacation Rental Damage

Medical

Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.

Medical Limit$250,000 (secondary)
Dental$750 included in Medical (secondary)

Pre-Existing Conditions

Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.

WaiverIf insurance purchased within 14 days of Initial Trip Payment and certain conditions are met
Lookback Period60 days

Accidental Death

Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.

24-Hour Full Coverage$25,000
Common CarrierIncluded in Accidental Death 24-Hour
Flight OnlyIncluded in Accidental Death 24-Hour

Evacuation

Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.

Medical Evacuation$1,000,000

Repatriation of Remains
$1,000,000

Additional Benefits

Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.

24-Hour Emergency AssistanceCall for Details
Rental Car
Optional Coverages
NotesIncluded Benefits

Cancel For Work Reasons

Return Home Early [Requires purchase within 14 days of Initial Trip Payment] – $1,000

Shipboard Service Disruption – $250

Itinerary Change – Pre-Paid Excursion Reimbursement – $1,000

Missed Connection (3+ hours) – $2,500 (secondary)

Non-Medical Evacuation – $25,000

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