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Travel Insurance Reviews Nationwide Luxury Cruise

The Nationwide Luxury Cruise plan is designed for travlers that will be going on longer, more expensive cruises. Coverages include Trip Cancellation & Interruption, Optional Cancel for Any Reason (if eligible), Medical, Emergency Medical Evacuation, in most states an Itinerary Change Inconvenience benefit and other cruise specific benefits.

To learn more, see the Nationwide Luxury Cruise product page.

Customers rated the Nationwide Mutual Insurance Company Luxury Cruise plan
4.63 out of 5
279
ratings and reviews
96%
recommended
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Filed claim
The trip included a
cruise
tour
Nationwide Mutual Insurance Luxury Cruise
We initially scheduled our trip to Antarctica for the 2020/2021 season. When Covid hit, our trip was cancelled. Because of this insurance, we were able to recoup our money and reschedule our trip to 2022/2023. Our trip was saved and was awesome!
Lydia O. 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 Luxury Cruise
It’s hard to provide a rating and feedback on something I fortunately did not need to use. I THINK it covered everything I might have to worry about.
Janice 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 Luxury Cruise
Grumble, grumble,
I filed a claim for an Interrupted trip in May. NW requested additional info on July 9, 2022. I sent the info the next day. On Aug 22 I called and they confirmed that they had the info but the 60 day processing clock restarts with the additional info. Called again today 9/9/22 and the claim has not been processed. They will label for "Expedited audit" which should take 2-3 more weeks. I have purchased several Luxury Cruise policies and NW customer treatment is very poor. Once they get the additional info the clock should not start over. I am booking another cruise next week. Can you recommend a company with a comparable policy that has better customer service?
Thx

UPDATE Dec 6, 2022
My original claim was denied so I filed an appeal. On October 10 they asked for further documentation. I supplied the info on October 12th. As of Dec 6th I still do not have a disposition. I called Coordinated Benefits Plan (CPB) for an update and their systems have been down for two days. How is this any way to run a business?

UDATE Dec 7, 20022
CBP computers down for a 3rd day. They took my phone number and said they would call me when systems are back up. I decided to call Nationwide Customer Relations and opened a complaint. The agent will notify the proper insurance group at Nationwide of the delays and will call me back within two days. Stay tuned.

Final update 12/8/2022
Received an email from CBP that my claim will be paid in full. It shouldn't take 9 months to resolve a simple claim such as this one. At this point it is not delays related to the Covid shut down. Maybe they should have an Operations Mgr look at their workflow. Happy Holidays...
Francis S. 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.
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Luxury Cruise
Didn't have any incidents where the insurance was needed. However the peace of mind that IF anything did occur, we were covered.
Thomas 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 Luxury Cruise
Due to the pandemic we did not travel. All parties involved were cooperative and issued a refund.
Franklin M. would recommend this plan to a friend or relative.
3 of 4 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 Luxury Cruise
We purchased the Luxury Policy through Nationwide for our retirement trip of a lifetime. We were to be gone 2.5 months. It included a 21 day cruise and then island hopping around French Polynesia, then flying to Australia to go to the Great Barrier Reef. Our cruise began in Sydney Australia on 2/28/20, we were supposed to disembark in Tahiti on 3/20/20. Due to COVID-19, our cruise was interrupted and we were sent home from Hawaii. We had 4 flights included in the covered cost of our policy: the flight to Sydney, island hopping flights around French Polynesia, the flight from Tahiti to Cairns, the flight from Cairns back to our home in California. We were fortunate and obtained refunds on two of the flights we did not utilize (thank you Air Tahiti and Expedia). The third, the flight from Tahiti to Cairns was not refunded and was denied by coverage by Nationwide. They said they do not cover pre-purchased flights that you are not able to utilize after a trip interruption. They would only be covered in the event of a trip cancellation. The total we are out is $1,246. I have to say, I'm not impressed! When you insure the value of a trip, including all of the costs that are non-cancellable and non-refundable, the coverage should reimburse for the insured costs that a traveler is out of pocket. They refuse to do so. I also acknowledge that some policies do not cover the expenses due to a pandemic, that is not the case with our policy because we purchased it in October, 2019, long before we had heard of COVID-19. Buyer, be careful to determine what is covered and what is not. I have purchased 5 or 6 Nationwide Luxury Cruise policies in the past and not had any issues. This is a first, but after paying $814 in premium to cover a 2.5 month trip and coming home after 1 month, and finding out that they will not reimburse me for this flight, I'm very disappointed in the Nationwide Luxury Cruise policy coverage.
Robin B. would recommend this plan to a friend or relative.
5 of 7 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Megan
    Photo
    Thank you for your feedback on the policy. We are sorry that you had to interrupt your trip of a lifetime.

    We appreciate you using InsureMyTrip for your travel insurance needs. As a travel insurance comparison website, InsureMyTrip offers dozens of plans from different providers. In the future, please consider calling us prior to purchasing a plan so that we can assist you in selecting the most cost effective policy that covers as many of your primary concerns as possible. Our toll free telephone number is 800-487-4722. We look forward to assisting you in the future.
    Sep 08,2020
The trip included a
cruise
Nationwide Mutual Insurance Luxury Cruise
It was very comforting knowing we had a solid, dependable insurance provider during our recent cruise. With all of the health concerns world-wide right now, we were so glad we purchased our policy well in advace of our trip!
Julie E. 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 Luxury Cruise
We LOVE Nationwide's cruise insurance plans. On this trip, we had a medical claim and an itinerary change claim for a missed port. Both were handled promptly and paid in full.
Anna M. would recommend this plan to a friend or relative.
3 of 5 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
tour
Nationwide Mutual Insurance Luxury Cruise
Thanks
Arnold G. 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 Luxury Cruise
We bought the luxary cruise plan and before our trip they changed our itinerary . When we got back we filed a claim for the $1250 back per person and we were sent a 2 checks within 13 days of filling the claim. Would highly recommend!
Crystal C. would 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.
  • Empty Comment
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