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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.

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 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 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 traveling on a covered cruise line during the trip
AM Best Rating

Accidental Death

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


Medical Evacuation

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Ratings and reviews

Our customers rate the Nationwide Mutual Insurance Company Luxury Cruise on our site
(4.64) of 5
on average based on 249 reviews.
A.M. Best Rating
Better Business Bureau Rating
You know, I keep buying the Nationwide Luxury Cruise pkg and have yet to file a claim. I really can't say how they respond to a claim. I will continue to cruise and continue to insure my trips anyway because it is the most comprehensive and balanced coverage.
Francis S.
Since I didn’t have any problems on my cruise, I have no comments to share about the claims process. I felt secure that I was covered for any problems that I might have on my trip. I would not hesitate to purchase insurance through Insure My Trip again.
Karen S.
Bought the most expensive plan with the most coverage for a cruise I was taking. A port was canceled and a friend who also had a Nationwide policy said her plan had coverage for that and she’d be reimbursed $500. Her plan cost half what mine did and my plan didn’t cover that!!! Couldn’t be more disappointed. I’ll be sure to check the cheaper plans next time. Dont assume the “best” is the best. I called Nationwide and the rep couldn’t explain it and left me completely dissatisfied and thoroughly annoyed.
Alison B.
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