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 $500 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 that are traveling on a covered cruise line during the trip
AM Best Rating
Years in Business

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
Supplier Default


Medical Limit
Complications of Pregnancy
Emergency Medical Expenses

Pre-Existing Conditions

Sudden Recurrence
Lookback Period
Pre-Existing Condition Period


Medical Evacuation
Evacuation from
Evacuation to
Evacuation criteria

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
(4.60) of 5
on average based on 95 reviews.
A.M. Best Rating
Better Business Bureau Rating
I ended up putting Nationwide to the test by having to file a cancellation claim late in the game as a result of unanticipated knee surgery. Nationwide lived up to their end of the contract in an exemplary way. Filing was simple. All that was required was filling out a short form with one paragraph for the doctor. The claim was processed quickly and paid promptly. I don't see how it could have been handled any better. I really hated to have to cancel this cruise but it was great to have this cruise specific Nationwide policy covering my risk.
Thomas M.
It is a good thing to have no idea how good this company is in the event of a claim.
Alicia S.
flight canceled on way back and trip was delayed getting back for 2 days and due to fine print in policy it paid nothing
Douglas S.
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