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Travel Insurance Reviews Nationwide Choice Cruise

The Nationwide Choice Cruise plan is designed for travelers going on a cruise during their trip. Coverages include Trip Cancellation & Interruption, Medical, Emergency Medical Evacuation, and in most states, an Itinerary Change Inconvenience benefit.

To learn more, see the Nationwide Choice Cruise product page.

Customers rated the Nationwide Mutual Insurance Company Choice Cruise plan
4.63 out of 5
852
ratings and reviews
96%
recommended
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Cruise
Filed claim
The trip included a
cruise
tour
Nationwide Mutual Insurance Choice Cruise
We unfortunately had to utilize our travel insurance plan due to an ATV accident on Moorea. We cannot express our thanks enough for all the help in coordinating our medical evacuation and other details. We will never travel without insuremytrip.com.
Thank you again!
Shirley P. would recommend this plan to a friend or relative.
1 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
We purchased trip insurance that included trip cancellation. What a total waste of time and an obvious twisting of words by Nationwide to avoid paying a claim. This type of result is what gives insurance companies a bad name. I reviewed our policy in detail before filing our claim. Our cruise was cancelled by Holland America back in April due to Covid-19. This is the reply we received from Nationwide.

"Because the Coronavirus/COVID-19 is not one of the named perils listed in the plan, we are unable to consider this to be a covered claim. Regrettably, your claim does not qualify for reimbursement based on this reason"

Following the above statement, Nationwide lists what they do cover.... see below...

The policy you purchased provides the following benefits:

"Quarantine means Your strict isolation imposed by a Government authority or Physician to prevent the spread of disease. An embargo preventing You from entering a country is not a Quarantine"

Do you see the problem here? They are picking and choosing (spinning) what they will cover. The Govt prevented cruising due to the spread of disease, but because their verbiage doesn't specifically say Covid-19, it doesn't qualify.

What a crock of BS! I will be filing a complaint with the department of insurance. I will NEVER purchase travel insurance from Nationwide again. In my opinion, they stole money from me in selling me a policy that was worthless!
Cory R. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
I needed a "cancel for any reason" option due to a pre-existing condition. Nationwide provided one. Fortunately, I was able to make the trip!
Jane C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
I didn’t need to use the insurance but I’m always glad to have it in the event of an emergency.
Yvette S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Choice Cruise
Did not have to make a claim so I cannot comment on that part of having the insurance. The Plan is pricey (they all are) but allows me to apply closer to my date of travel because the pre-x exclusion applies if the Plan is purchased before the FINAL payment is due, instead of within 14-21 days of the (usually refundable) deposit which could be a year or more before the trip. The benefits seem to cover all my needs.
Kenneth R. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
Fortunately we didn’t need to make use of the coverage
Ruth N. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
great customer service. extremely helpful in selecting a plan with just the coverage I needed.
Mary Ann S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
Everything was fine, no claim needed. It covered everything we needed for the cruise. Good policy!
Carol B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
No problems so didn’t need to a file.
Penelope B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
Even though we did not need to file a claim it was good piece of mind to know we had good coverage. We prefer to buy our own insurance then to purchase what the cruise line offers.
Niki L. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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