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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

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

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

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 539 reviews.
A.M. Best Rating
Better Business Bureau Rating
We were very disappointed in Nationwide Insurance and this product. Our Summer 2020 European trip was cancelled in April 2020 due to the global pandemic. We contacted Nationwide immediately and they recommended that we pursue reimbursement from the travel providers then file a claim for any unrecoverable funds. We trusted that they were guiding us properly and followed their advice. We did indeed have unrecoverable funds and filed for reimbursement immediately after our last refund in Dec 2020. Nationwide denied our claim stating that the global pandemic was not a covered peril. Why was my policy not cancelled and my premium refunded when my trip was cancelled? Why did the Nationwide representative lead me on to believe that we were covered when I contacted them in April? If a global pandemic with travel shutdown all over the world is not covered, why buy insurance? At this point, I would not recommend using Nationwide and I'm not sure about purchasing travel insurance anymore. It looks like there is a very narrow window for reimbursement and obviously the insurer's intent is to deny most of the claims. My experience has been that the travel providers have been focused on taking care of their customers and the insurance company is finding ways to say no. Why buy insurance?
Charles S.
I have purchased this plan two years in a row for cruises and have not made a claim. Because of Covid my cruise was cancelled this year 190 days in advance and I reached out to and they facilitated a refund which I was not expecting to happen. Thanks to Nationwide and for great customer service during these unprecedented times.
Henry W.
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.
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