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.

Like the Choice Cruise plan, this plan offers optional Cancel for Any Reason coverage for residents of most states that meet all eligibility requirements. This will reimburse up to 70% 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 prior to or within the final 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 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
Years in Business


Medical Limit
Complications of Pregnancy
Emergency Medical Expenses

Pre-Existing Conditions

Sudden Recurrence
Lookback Period
Pre-Existing Condition Period

Accidental Death

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


Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria

Your Quote

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Ratings and reviews

Our customers rate the Nationwide Mutual Insurance Company Luxury Cruise on our site
(4.65) of 5
on average based on 143 reviews.
A.M. Best Rating
Better Business Bureau Rating
I researched other companies but found Nationwide to have the best plan and coverage based on my medical needs. I am however greatful that I did not have to file a claim . Just knowing that Nationwide was on my side in the event of a crises was very relaxing and I enjoyed my cruise.
David J.
I purchased a Luxury Cruise travel insurance plan with Nationwide through Insuremytrip for a cruise to Alaska in June 2018. Our family vacation included a land tour of Seattle after the cruise. However, as we prepared to disembark the ship I received a call from our veterinarian back home that our dog had to be hospitalized in critical condition. We changed our return flight to fly home immediately, which more than doubled the air fare for our family of four. Sadly, our dog died the next day. I filed a claim for the increased air fare under the trip-interruption benefit of the policy. My original claim was misplaced so I had to re-send it. The full amount of the claim was paid within two weeks thereafter, less than a month after I submitted the original. Everything was done by email and was very simple and quick. After reading so many reviews about poor claims processing by some travel insurers I was prepared for the worst but Nationwide came through, at a time we were still mourning the loss of our beloved pet. I'm planning another trip for the end of 2018 and will insure with Nationwide again. I recommend them without hesitation.
Kenneth T.
We had a port itinerary change, twice, before our cruise. Called Nationwide, claim form was emailed promptly, with clear instructions on what would be needed to file claim. After sailing, we submitted the claim, and were promptly paid for the full coverage amount listed on the policy. Because of the ease of that claim, we are purchasing this policy again, for our upcoming cruise,
Richard R.
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