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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, Optional Cancel for Any Reason (if eligible), 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
4.65 out of 5
744
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
My original travel plans were cancelled by the cruise line but InsureMyTrip, though reluctant at first, worked with me to cover an alternate cruise. I went on the second cruise and all is well. I appreciate their consideration.
Sharon P. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Carol
    Photo
    We appreciate your feedback and are pleased to acknowledge that Nationwide Mutual was willing to amend your travel dates to cover the new cruise.

    Please call us at 800-487-4722 if you have any further questions or concerns.
    Aug 13,2019
The trip included a
cruise
tour
Nationwide Mutual Insurance Choice Cruise
I read that this plan didn't cover missing a cruise if the flight had mechanical difficulties. That's insufficient coverage for me, but otherwise I had good coverage which we didn't use.
KEVIN 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.
  • Carol
    Photo
    Thank you for your comments. You are correct that Trip Cancellation and Trip Interruption under this policy would not have reimbursed you for your prepaid non-refundable travel expense if your trip had been canceled or interrupted due to the mechanical breakdown of a travel provider under the Choice Cruise plan. However, you did have the option to add on Cancel for Any Reason:

    "TRIP CANCELLATION FOR ANY REASON - OPTIONAL UPGRADE
    If You cancel Your Trip for any reason not otherwise covered by this Certificate, the Company will reimburse You for the percentage of the prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip shown on the Confirmation of Coverage provided:
    a) Your premium payment is received prior to or on the date Your final deposit/payment for Your Trip is received; and
    b) You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure prior to or on the date Your final payment for those arrangements the cost of any subsequent arrangements (or any other arrangements not made through Your travel agent) added to Your Trip; and
    c) You cancel Your Trip two (2) days or more before Your Scheduled Departure Date."

    Please also note that you did have some coverage under Trip Delay up to 150 USD daily, 750 USD maximum (secondary coverage).

    "TRIP DELAY
    The Company will reimburse You for Covered Expenses on a one-time basis, up to the Maximum Benefit shown on the Confirmation of Coverage, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more
    hours due to a defined Hazard.

    Covered Expenses:
    (a) Any Additional Expenses incurred;
    (b) A one-way Economy Fare to return You to Your originally scheduled return destination...

    Hazard means:
    a) Any delay of a Common Carrier (including Inclement Weather).
    b) Any delay by a traffic accident en route to a departure, in which You or a Traveling Companion is not directly involved.
    c) Any delay due to lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, natural disaster, civil commotion or riot.
    d) A closed roadway causing cessation of travel to the destination of the Trip (substantiated by the department of transportation, state police, etc.)"

    Please feel free to call us at (800) 487-4722 if you have any questions.
    Aug 06,2019
The trip included a
cruise
tour
Nationwide Mutual Insurance Choice Cruise
Luckily all went well and I didn't need to make a claim, but I was glad to find this option that covered cruise-specific problems such as missed ports in addition to normal travel insurance inclusions.
Sarah J. 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
Good plan—great service
Jerry M. 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
Having travel insurance gave us peace of mind.
Maria F. 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
Hard to rate the plan performance since we didn't need to file a claim, but I would say the price was reasonable and coverages adequate.
TERRY 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
I have used Nationwide Cruise plans for several years now. Two years ago, I had to cancel a cruise for medical reasons just three weeks before the trip. Nationwide was super - helpful in filing my claim, and quick to reimburse ALL my trip expenses filed with no questions, hassles or delay.

The plan also provides excellent medical and evacuation coverage during the trip. Hopefully, I'll never have to use it, but it's comforting to know there's great coverage should we ever need it. I also appreciate that I don't have to buy the insurance a short while after initial deposit.

The Nationwide plans cover much more than the cruise line insurance at only slightly higher costs - and it's so easy to sign up through InsureMyTrip!
Linda U. 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
This was only our second time buying trip insurance and Nationwide was very patient explaining to me the rules and procedures.

We had two small claims. 1) We had a boating accident on our trip, the day before we boarded our cruise, and my partner injured his back. When we got home, we submitted a claim for a doctor visit with X-rays and a prescription. 2) While onboard our cruise, I had to see the ship's doctor to be tested for the flu and also get a prescription, and I submitted a claim for that also.

Both claims were small, but they were handled very well by Nationwide. The only potential glitch was that I knew ahead of time that I would need to submit the doctor's report in order for my claim to be paid, but our cruise line for some odd reason, gave me a very hard time with that. The doctor would not give me a report - he said I'd have to call and ask the corporate office for it when we got home. However, when I called, they did not want to send it to me either! I eventually did get it, but meanwhile I explained the situation to Nationwide, and provided them with other documents proving the claim, and they were very cooperative. Within a little over a week of submitting all of the required documents, I had a reimbursement check for the full amount of both claims.

Fortunately, we did not have any big claim, but if we ever do and they handle them as well as they did these, I will continue to be very happy with them!
Kathleen C. would 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
tour
Nationwide Mutual Insurance Choice Cruise
I choose Nationwide because I have another insurance account with this company and they have always been easy to work with and reliable, I would purchase this plan again.
Barbara F. 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, thankfully but will not travel without insurance.
Linda 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
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