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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
Nationwide Mutual Insurance Choice Cruise
Had to cancel our cruise due to a medical reason. NW promptly paid once the forms, including Dr statements were filed. Chose NW because pre-existing condition clause is waived if purchased at or before the time of final payment.
Ronald C. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
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
Never had to use, fortunately, so I can't judge that aspect. Having the policy did provide some peace of mind, at a relatively low, though not insignificant, amount.
Helene 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
Warning to ALL who buy this plan - READ the details and fine print of the policy very carefully!! This comes from someone who filed a claim and was denied. I bought this plan for a cruise to the Caribbean. I started experiencing neck/shoulder pain the week of my trip. This was new onset by the way! No prior history of neck problems. I sought medical treatment and was diagnosed with a bulging disc in my neck. The doctor recommended that I not travel until I saw a specialist. I saw a specialist and was cleared for travel but had missed 3 out of the 7 nights of my cruise. All I wanted to be reimbursed for was those nights that I missed and the prepaid, non-refundable excursions! I was not trying to scam the system. I had a legitimate medical reason that prevented me from travel. Nationwide Insurance denied my claim stating, "Because your symptoms occurred during the 60-day period immediately prior to the Effective date of your policy, your condition is deemed a Pre-Existing Condition and therefore excluded from coverage." What is the point of purchasing trip insurance if you are not going to cover when a person has to seek medical care and can't go on their trip? They went on to state: "In addition, since the treatment occurred prior to the effective date, the reason for interrupting your trip is not considered Unforeseen and therefore not covered under the Trip Interruption benefit." "Unforeseen means not anticipated or expected." How much more "Unforeseen" can you get than a bulging disc in your neck that occurs within days before your cruise is scheduled? I mention again - NO PRIOR HISTORY of this medical issue. Even the cruise line wouldn't issue a refund because it was within days of the cruise. I would NEVER purchase trip insurance again because basically all it covers is if you have to seek medical attention while on your cruise. And even then, read your policy very carefully!
Kathryn L. would not recommend this plan to a friend or relative.
4 of 5 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Zac
    Photo
    Thank you for your feedback on the policy. We are sorry to learn that you missed a portion of your trip. We are also sorry to learn of your dissatisfaction with the policy. Based on the details provided in your review, it does appear that your claim was correctly denied. Travel insurance is designed to protect against unforeseen events only, and pre-existing medical conditions are not covered unless you qualify for the pre-existing conditions waiver. We would be happy to explain in further detail with you over the phone at 800-487-4722. In the future, we encourage you to call us to discuss if travel insurance will cover your primary concerns.
    Jun 10,2016
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
I purchased the plan and later added an additional coverage. Everything I did went smoothly. I did not have to file a claim so have no info on that process.
Lisa 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
tour
Nationwide Mutual Insurance Choice Cruise
It was insurance. Since I didn't need it, I really cannot say much about how the company would handle claims or service issues. The price was reasonable, as was the coverage I needed. Would it have worked if I needed it? I don't know.
Christopher 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
Luckily we did not need the insurance It gave us great peace of mind knowing we had the coverage in case it was needed.
John 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
Completely satisfied.
Gregory Y. 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
Found out later that the travel company offers a plan that is based on trip cost alone and does not consider age of travelers.
Stephen S. would not 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
Luckily we did not have to file a claim as our vacation went on as planned, but the coverage we chose was exactly what we wanted and the price for this plan was really good.
Barbara 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
They were very fast and very nice to work with. I highly recommend them. We would definitely use them again.
Lori H. 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
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