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 44 reviews.
A.M. Best Rating
Better Business Bureau Rating
We thankfully did not need any of the features of the insurance plan, but the security of knowing if we had any issues with our flights, cruise or health, we had a resource to call on! Thanks for providing peace of mind.
Charles A.
We did miss the port of Nassau Bahamas due to hurricane damage from Mathew, but the cruise line did reimburse us for port fees and nothing else was covered under the policy that would warrant a claim. Glad we had coverage for the trip as things could have gotten much worse and more expensive.
We had to cancel a cruise after my doctor ordered me to stay home after I was diagnosed with a serious medical condition. I filed a claim for the unreimbursed cost of the cruise, and got a check for more than $37,000 in just 12 days. I also appreciate that I could file all the paperwork (and they want a lot of it) by scanning it all and then emailing them a PDF. I'm dealing with a different insurance company for another cancelled cruise, and everything needs to be sent to them by snail mail, which is obviously slower and more expensive.
Joyce H.
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