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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. In order to be eligible for this, the plan must be purchased prior to the final payment. See quoted plan for other eligibility requirements and full coverage details. Some state residencies will not allow this coverage.

More specific coverages include (available in most states):

  • Port of Call Change - If the cruise line changes your itinerary prior to departure and you elect to embark on the voyage, this plan will provide a one-time payment of $100 for the inconvenience.
  • Shipboard Service Disruption – If the cruise line changes your itinerary during the cruise due to a shipboard fire, virus or mechanical breakdown, this plan will provide a one-time compensation payment of $100.
  • 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 of 3 or more 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.

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

Highlighted Coverages

Trip Cancellation
Trip Interruption
Pre-Existing Condition Waiver
Pre-Existing Condition Lookback Period
Medical Evacuation

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

Pre-Existing Conditions

Waiver
Lookback Period

Evacuation

Medical Evacuation

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
(4.59) of 5
on average based on 537 reviews.
A.M. Best Rating
A+
Better Business Bureau Rating
Reading the plan at home, we needed better knowledge about whether the plan offered complete return of money if the trip had been cancelled in the beginning or close to the end. MAKE THE POLICY MUCH CLEARER AS TO THE MONEY RETURNED IF TRIP CANCELLED OR CANCELLED NIN THE MIDDLE OF THE TRIP
Charles B.
In spite of the terrible issues affecting the world while we were traveling, our plans and travel were not interrupted. We were glad to have the insurance and although we did not have to use it felt good able having a safety net of sorts. We thought the price was good and will use again in our future travels.
Janice D.
We buy insurance primarily in case we get sick or something happens to my elderly mother in law. It seems too expensive to me, but the Nationwide policy was the best deal. We never seem to have to use it and it would be nice if they would give discounted policies for those that don't make claims.
Marianne F.
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