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
510
ratings and reviews
96%
recommended
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Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
Great plan glad I didn't have to use it
Elizabeth D. 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 were forced to cancel our cruise 8 days before we were scheduled to depart, as I needed surgery for a life-threatening condition. I submitted the claim for the full amount of the cruise with full documentation about a week after the cancellation. Today, 15 days later, I received checks from Nationwide for the full amount of my claim. There were no questions, and I am still stunned by the extraordinarily rapid and positive response from Nationwide. I was also blessed to have successful surgery.

I have read hundreds of trip insurance reviews on your site saying how customers were pleased with the plan and glad they did not need to use it. I have purchased trip insurance many times and said the same thing in my reviews. This time, I needed the insurance, and I couldn't imagine better service. Nationwide really is "on your side". I can't recommend this insurance more highly.
Linda U. would recommend this plan to a friend or relative.
4 of 4 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
I traveled from Maryland to Alaska and Canada with my parents who are in the late 70's and both have health issues. Whether I travel with them or not I now always purchase health insurance in case I have to drop everything and take care of them. Thankfully we had no incidents on this trip, but I always use Insure My Trips, read the reviews and get advice from the agents. I know people think it can be expensive, but on another cruise to Alaska while we were out a man killed his wife and the cruise ended. Those people did get a refund for the cruise line, but there are so many other expenses. Hopefully having this insurance would have helped with all the other incurred costs. You just never know. 10% or a little more is worth it, or at least to me.
Laura B. would recommend this plan to a friend or relative.
1 of 1 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
tour
Nationwide Mutual Insurance Choice Cruise
Fortunately it was not necessary to engage my policy for this trip, but I sure found comfort in the fact that I was covered during this period.
Cheryl 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
I'm glad I didn't have to use it, but thankful for peace of mind it provided "just in case".
Christine 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
Coverage seemed appropriate, but the price seemed high given the limited number of days for the vacation.
Paul 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
Was very satisfied with the Nationwide Choice Cruise plan, and was able to enjoy our trip knowing that we had insurance coverage for almost anything that could come up.
Christine 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
Competitive rates with above average coverage. Great customer service. Will definitely use again for future trips!
Lori 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
Prompt response to claim submission! I would highly recommend this coverage and we have already purchased for a future cruise!
Robin W. 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 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.
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
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