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
4.66 out of 5
455
ratings and reviews
96%
recommended
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Cruise
Filed claim
The trip included a
cruise
tour
Nationwide Mutual Insurance Choice Cruise
I purchased this insurance for a 28 day Transatlantic/Baltic cruise on Holland America cruise line. I purchased it about two weeks before the final cruise payment was due and paid the premium for the price of cruise. When I paid the final payment, the cruise line had dropped the final payment amount due. I contacted your representative about a reduction in the insurance coverage and was informed no adjustments are allowed only if the cruise cost went up would they make an adjustment. It seemed one sided. Then on the cruise, the first port of call was cancelled. The Captain felt the seas were too rough to safely dock the ship. In addition, on our return flight home to Ohio from Copenhagen Denmark we were experinced United's lack of customer respect when we landed in Chicago O'Hare. The flight from Copenhagen to Chicago was on-time and without problem. United continued to delay our connecting flight home and then we boarded the plane at 11:45 PM after almost three hours of delay. The pilot told us we had to get off the ground and waited on the tarmac until 1:20 AM the next day when the pilot announced he was out of time. We returned to terminal and had to wait at Customer Service to get rebooked on another flight at 7:42 AM. No food or hotel vouchers from United Airlines. When we got home we called to file a claim. It is just remarkable how much documentation the claim department required to process our missed port of call and airline delay. I don't understand why they need credit card statements showing you paid for your cruise if you have a final cruise document that shows zero balance and you have proof that you took the cruise by providing your final on-board statement. Nationwide did not pay the amount for miss port of call but a lower inconvenience benefit. Likewise, Nationwide did not pay the full amount for flight delay of more than 6 hours but only our actual out of pocket cost (coffee and scones) that we incurred at 5 AM when Starbucks opened. I would shop for other insurance providers next time as well as look at other companies than Insure my Trip for vacation protection coverage. It should not be burdensome to file a claim.
Stephen M. would not recommend this plan to a friend or relative.
1 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Melissa J.
    Photo
    Thank you for your feedback. We received the following response from Nationwide:

    "As with other insurance, we do require proof of loss. While it may seem that we request an excess of documentation, the requested information all establishes the proof of loss. If we can establish the loss without all of the documentation submitted, we oftentimes forego requesting additional information. However, in cases where we do not receive all of the necessary information with the initial claim package and cannot make a claim determination, we will request additional information from the members. In this instance, the members were very good about providing the information necessary to process the claim and we were able to get their payments sent within 2 days of receipt."

    If you have any questions or concerns please contact us at 800-487-4722
    Jul 20,2017
The trip included a
cruise
tour
Nationwide Mutual Insurance Choice Cruise
Cannot really know or comment because I didn't file a claim to really experience the service.
Patricia 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
Since we had no claim, it's hard to evaluate. It did have a "Cancel for any reason" option which we needed for this trip.
Stanley H. 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
Hard to rate an insurance product that you did not have to actually use for its intended purpose. I would not have taken this trip, however, without the peace of mind having it provided. I like that it catered to my cruise ship itinerary which is very unique as an offering.
Andrea 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
Plan gave piece of mind on such a large expenditure.
Gary 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
The trip included a
cruise
tour
Nationwide Mutual Insurance Choice Cruise
WE did not need to use the plan but it covered everything we were concerned about at a reasonable price.
David W. 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 found purchasing this plan was easy and having it was a great peace of mind. I had concerns that my trip may need to be cancelled because my daughter injured her leg and was not sure if she would be up for it. Plus my mother is in poor health. Luckily I did not need to use the plan but just having it in case was great. Would purchase it again.
Paul H. 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
We had to cancel our trip a month out due to a serious fall on my behalf. This caused a post concussion. Cruising with a concussion is not recommended! The process from start to check in hand took about 5 weeks. I had to mail in my forms because I could not upload the docs from home, which most likely caused a delay in the processing.

All in all the process was fairly easy. I was required to send in a lot of documentation, so KEEP EVERYTHING!!

The end result was we were paid back what the cruise line charged us as a penalty.
Colleen D. 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
Iit was a smooth process to get the insurance. .Glad I had the insurance and didn't have to use it. Will use again on any up coming trips.
Tonya 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
We did not need to file a claim, so not able to comment on the process. Policy did provide us peace of mind for a trip that was relatively expensive with a lot of travel variables. Would consider using them again.
Kimberly 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
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