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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 who have visited Mexico rated the Nationwide Mutual Insurance Company Choice Cruise plan
4.73 out of 5
68
ratings and reviews
100%
recommended
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Cruise
Filed claim
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
Nationwide Mutual Insurance Choice Cruise
Didn't need the insurance this time but used it last year. My mom was delusional due to seasick patch. Cost her $860 to get checked out by ship's doctor. Nationwide Mutual reimbursed her all $860.
RENA 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
Did not file a claim, but I was pleased with the product and ability to waive preexisting condition right up until final payment date.
R Michael 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
The best insurance is one where you are comfortable with the coverage and price, but didn't have to use. That was the case this time!
Gary 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
Thankfully I had no need to use the insurance and just had an enjoyable vacation
Leigh 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
great having that piece of mind as we had another cruise passenger that had to be taken off the ship in Mexico and I don't know if they had any additional coverage. I was thinking the whole time glad I had this extra policy as that could have been me.
scott A. 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
On advice from a colleague from work, we insured our Disney cruise through InsureMyTrip. It was cheaper than insuring through Disney. Less than a week before the cruise, a member of the travel party had a medical issue that caused us to miss the cruise. I submitted a claim which was processed and the reimbursement was received within one month. The documentation requirements were clearly outlined in the email I received as a result of my claim submission.

It took some time to gather all the required documentation but it was more than worth it as the entire cost of the cruise was reimbursed. I normally don't insure trips but I will do so going forward and will use InsureMyTrip.
William S. 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
Nationwide Mutual Insurance Choice Cruise
Coverage was same as we have purchased previously from Travel Agency, but cost of coverage was significantly less.
Stephanie T. 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 bought this insurance because my wife and I were taking our first cruise. Our friends take out trip insurance for every cruise and recommended using this because it was cheaper than what the cruise line offered. I believe this plan was as good as the plan the cruise line offered, but at a better rate. If I were to purchase trip insurance, I would get this plan again. However, I will probably not buy trip insurance again. I felt like this was a markup playing into my fears much like extended warranties, flight insurance, and rental car add'l insurance. I would rather plan my trip smartly to prevent the kind of things one would use trip insurance for. For example, my wife and I flew into the embarkation city a day ahead of time and picked a return flight several hours after cruise returned to port, so there was hardly any chance of us missing the cruise or our flight home. We also picked a cruise during the time of year when the weather was mild, which would prevent a change in itinerary due to storms, hurricanes, etc.
Jason T. 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 very much for your input. We certainly appreciate your comments and agree that claims can be prevented or mitigated to some extent. However, the number one covered reason to cancel or interrupt your trip is the unexpected sickness, disease or injury of an insured, traveling companion or family member. Many times these are situations that are out of your control.
    In addition, Comprehensive plans include medical coverage to reimburse you for medical expenses incurred during your trip and emergency medical evacuation which provides transportation to the nearest appropriate medical facility where you can get the proper treatment that may not be available locally.

    Please call us at 800-487-4722, if you have any questions or concerns.
    Feb 13,2019
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
We didn’t need it but was glad to have it just in case.
Monica 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
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