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 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 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
(4.53) of 5
on average based on 71 reviews.
A.M. Best Rating
Better Business Bureau Rating
The plan itself looked good howerver, We did get into a pickle with a flight delay and almost didn't make our cruise. We were not sure if the insurance would cover the missed cruise/air fair do to airline delays of a runway being shut down in San Francisco. Tried to call customer service which didn't know anything. Said we had to call claims which is only open business hours monday-friday. WAS NOT HELPFUL. Need a 24 hour 7 days help/ claims line since customer no service knows nothing. We had to buy another ticket on a different airline, extra expense we didn't need, but we made it.
Peace of mind. The Nationwide promise in a nutshell. You plan a wonderful trip,all kinds of money upfront and in the back of your mind the question keeps popping up. What if? It is nice to know that if any of the many things delay or alter your trip or you are unable to go, you're covered.
Daniel B.
Will definitely use this plan again when cruising! About a week or two before we were to leave for our cruise to New Zealand, Australia, Indonesia, and Malaysia, our original itinerary changed twice due to ship mechanical problems. Contacted Nationwide after returning home and filed a claim for the Change of Itinerary that was covered under our policy. Completed the information the same day, and sent the information in. Did not receive any questions from them with the information that was provided, and within about two weeks, received a check for exactly the amount the policy stated under the Terms and Conditions. Very good service!
Pamela S.
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