Travel Insurance Reviews Nationwide Universal Cruise

The Nationwide Universal Cruise plan is designed for travelers going on a cruise during their trip. Coverages include Trip Cancellation, Trip Interruption, Medical, Emergency Medical Evacuation, and in most states, an Itinerary Change Inconvenience benefit.

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

Customers rated the Nationwide Mutual Insurance Company Universal Cruise plan
4.57 out of 5
353
ratings and reviews
96%
recommended
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Cruise
Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
Fortunately,I did not have to make a claim. I buy insurance on every cruise (14) and have never made a claim. Therefore, I do not know how good the insurance is unless I have to make a claim.
Bruce 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 Universal Cruise
Now that my husband and I are in our 70s, we know we need travel insurance (luckily, we had bought some two years ago when my husband needed emergency surgery three days before a trip to China).
The Nationwide Universal Cruise plan we bought for our recent cruise is low cost and designed for our specific needs. While we didn't have to file a claim (thank goodness), the peace of mind we bought was well worth it.
Joan M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Universal Cruise
My husband had serious injury 3 weeks before our trip. We submitted the required paperwork and a check for a full refund arrived 4 weeks later. The process was very smooth.
Sheila 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 Universal Cruise
We did not have to file any claims but felt like we had the coverage we needed just in case it was needed. One of the people we ate dinner with each night on the cruise died of a heart attack while snorkeling in Cozumel so it really made us glad that we had travel insurance. Also very glad we did not have to use it.
James H. 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 Universal Cruise
A claim was filed on our behalf for a major medical reason involving our daughter. We were told it's not covered and to read the exclusions. It would appear that the exclusions have exclusions. Either way the insurance has no value and the company will find a way to issue a denial. For our money this was a waste .
Thomas D. would not recommend this plan to a friend or relative.
2 of 3 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    When we received your comments on October 31st, we assigned your potential claim to an advocate. Based on the information that you provided, our advocate called the Nationwide claims department who confirmed your telephone conversation and pointed out the applicable exclusion in the policy, so no claim was actually filed.

    Of course, it is never good news to hear that there is no coverage in your policy for a medical issue. If you would like to call Customer Care to discuss this further, we are available to call at (800) 487-4722 Mondays through Friday from 7:00 AM to midnight and weekends 9:00 AM to 9:00 PM. We would be very happy to explain the policy limitations and exclusions further so that you have this information for future travel.
    Nov 14,2017
The trip included a
cruise
tour
Nationwide Mutual Insurance Universal Cruise
Although I did not need to file a claim (thankfully!) the peace of mind I had after purchasing this very reasonably priced policy was worth every penny. There have been so many stories in the news lately about cruise ship mishaps - and one of my biggest fears about this cruise was getting sick in Mexico. The policy covered all of that. For the money you're spending on a great vacation, it's such a small price to pay for that extra peace of mind.
Diane V. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Universal Cruise
Due to weather issues, we missed a flight and subsequently missed our cruise departure. We had to buy new airline tickets to a different destination in order to catch up with the cruise at the first port (which turned out to be the second port of call because the ship skipped the first port of call due to bad weather), stay overnight in a hotel and then use public transit to get to our destination. Upon our return home, we submitted a claim for all of the additional receipted travel expenses. Nationwide sent us a reimbursement, but not for the full amount. When I called to ask about the amount of reimbursement that we received, the agent agreed that we should have been reimbursed at a higher amount, authorized payment, and we received another check a week later. We were reimbursed for the full amount that we had receipts for. Because we were travelling internationally and had to spend a significant sum to reach our destination, we were very glad to have purchased insurance, and we would purchase it again for an international trip such as this.
Amy N. would 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
tour
Nationwide Mutual Insurance Universal Cruise
The plan served as a security blanket/peace of mind item. I encountered no events, so the company actually benefited.
MARVIN J. 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 Universal Cruise
Good coverage for cruise vacation for a good price! Peace of mind is priceless!
Rosemary A. 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 Universal Cruise
Terrific insurance. Got the coverages I required without paying for additional options I didn't need. All aspects of my travel were covered under this insurance so I was able to travel without concern knowing I had taken the necessary steps to protect myself. Gave me total peace of mind, especially since I was traveling outside the U.S.
Susan R. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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