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Nationwide Universal Cruise

The Nationwide Universal Cruise plan is only available to people who will be traveling on a cruise during their trip. It is well suited for those who will be traveling up to 30 days with family or friends.

This plan is specifically built for the unique needs you’ll have if you are going on a cruise. Because of this, there are some benefits that are not typically included in comprehensive plans. For instance, Return Home Early coverage allows you to abandon your cruise for any reason, and provides transportation costs up to $250 in order to get home. See quoted plan for eligibility requirements and full coverage details. Some state residencies will not allow this coverage.

More specific coverages include (available in most states):

  • Pre-Paid Excursion Reimbursement – If the cruise line changes your itinerary after your departure and you have secured pre-paid, non-refundable excursions, this plan will provide a one-time reimbursement up to $250.
  • Missed Connection - If inclement weather causes a delay due to a covered reason for between 3 to 6 hours of all regularly scheduled airlines and you miss your cruise departure, this plan will reimburse up to $500 for expenses to help you rejoin your ship (varies by state).

The Universal Cruise plan also 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. The plan also features benefits like travel delay, missed connection, baggage coverage, medical, and emergency medical evacuation coverage to list a few.

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 Waiver
Pre-Existing Condition Lookback Period
Medical Evacuation

Repatriation of Remains

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

Trip Protection

Trip Cancellation
Trip Interruption
Terrorism in Itinerary City
Interrupt for Any Reason
See Return Home Early coverage details in Additional Benefits section below
Cancel for Any Reason
Vacation Rental Damage

Pre-Existing Conditions

Lookback Period


Medical Evacuation

Repatriation of Remains

Your Quote

To see the most accurate plan information and pricing Get a Quote

Ratings and reviews

Our customers rate the Nationwide Mutual Insurance Company Universal Cruise on our site
(4.58) of 5
on average based on 707 reviews.
A.M. Best Rating
Better Business Bureau Rating
This is usually my go to plan for cruise vacations. In all the years I've purchased it I have only had to file a claim once and that was settled to my total satisfaction.
michele M.
Before my trip began, I changed the number of insured days on my vacation from 28 days to 22 days, but I received NO refund for the reduced coverage. Although I reduced the number of insured days by 6, I was charged the same amount as for the full 28 days, $524. It seems to me that I should have been charged a lesser fee for a shorter coverage period.
Steven O.
While I didn't need to file any claims for this insurance, I was happy with having the peace of mind knowing that it was there if I needed it.
Karen C.
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