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Travel Insurance Reviews Nationwide Luxury Cruise

The Nationwide Luxury Cruise plan is designed for travelers 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
4.60 out of 5
297
ratings and reviews
96%
recommended
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Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Luxury Cruise
4 months from submitting a claim and still no response
Fred C. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Luxury Cruise
Fortunately I did not have to file a claim so I don’t know how easy that would have been. The filing and paying of a claim is where you get a better sense of the value. The selection and purchase of the coverage was simple and the communication was great. I would definitely recommend.
Terry L. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Luxury Cruise
Fortunately, we had no reason to file a claim under this policy but I was pleased with the buying process & believe that we would have had appropriate coverage if needed.
Jan D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Luxury Cruise
While the plan seemed pricey, I did appreciate that they let us transfer the policy when a member of our original travel plans developed a serious illness and we had to change to a different trip.
Sharon S. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Luxury Cruise
It was reassuring to know that you had my back if necessary !
Joan S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Luxury Cruise
Excellent coverage and fair price. We will use InSureMyTrip again on our next cruise.
Raymond W. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Luxury Cruise
Policy does not cover expenses If a third party excursion provider fails to get you back to the ship prior to leaving port- you have to look at these third party providers very carefully before deciding if there is risk. Policy with the added cancel for any reason was expensive. There seemed, however, to be fewer qualifiers with filing claims than other policies, so we felt if we had a loss there was a reasonable chance that the claim would be paid. Our trip was successful and we are thankful we did not need to file a claim.
Philip L. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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.
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 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.
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
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.
1 of 1 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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