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
4.56 out of 5
294
ratings and reviews
95%
recommended
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Cruise
Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
Really can’t tell how satisfied you are with the coverage until it is necessary to file a claim and there is no difficulty collecting the coverages you think you purchased.
Evelyn F. 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
The lanquage of the terms and conditions, ie., covered events was unclear. Even as a lawyer, I found it unnecessarily difficult to find out what was or was not covered.
Sylvia D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Melissa J.
    Photo
    We appreciate you using InsureMyTrip for your travel insurance needs. 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. We can help you understand the terms and conditions of a travel insurance policy. Our toll free telephone number is 800-487-4722. We look forward to assisting you in the future.
    Oct 11,2018
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
Luckily, I didn't have to use it. Relaxed knowing it was there if needed.
Janet R. 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
Somehow I gave the wrong date range when planning my trip 1 year ago. When I saw this error just 1 week before I left, I called customer service and painlessly corrected the error.
Did not need to file a claim as the trip went off without a hitch.
Maryann B. 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 Universal Cruise
We take several things into consideration when we compare cost of travel insurance. We look at coverage, price, ratings by previous clients and the overall company rating. This plan was what we needed at a competitive price with a well known company like Nationwide. We will consider them again for our next trip.
Richard S. 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
Fortunately, we did not need medical attention while on our trip, but felt this plan would have adequately covered us if we had.
Suzanne A. 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
We did have to file a claim, and the process was very smooth. I recommend this insurance!
William H. 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 Universal Cruise
As no one ever plans their delay - buying insurance is tricky. Seriously they emphasized all big words and promises to cover everything from departures to return home as long as cruise was part of the trip
We had a 2 days before and after cruise in Barcelona. And American Air canceled the flight for 24+ hour to final destination
Nationwide did not covered misses tour (because it wasn’t part of cruise) nor did they covered first night of the hotel charges that we have missed

Note to myself: Read, read, READ your policy and remember that insurance is a business and not your friend
Vadim B. 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.
  • Carol
    Photo
    Upon receiving your review, we assigned an "Anytime Advocate" to look into your claim. Nationwide has now confirmed that they processed your claim under Trip Delay and sent you a partial payment letter. Apparently your missed tour and hotel were not reimbursed because those prepaid expenses were not covered under the Trip Delay benefit as stated below:

    "TRIP DELAY - The Company will reimburse You for Covered Expenses on a one-time basis, up to the Maximum Benefit shown on the
    Confirmation of Coverage, if You are delayed, while coverage is in effect, en route to or from the Trip for six (6) or more hours due to a defined Hazard.
    Covered Expenses:
    (a) Any Additional Expenses incurred;
    (b) A one-way Economy Fare to return You to Your originally scheduled return destination."

    Nationwide next reviewed your request for payment under the Trip Interruption benefit. Sometimes a missed expense may be covered under Trip Interruption even it was not covered under Trip Delay. Unfortunately, the circumstance did not qualify for one of the covered perils under the Trip Interruption benefit.

    It is never pleasant to have your claim denied. Hopefully this explanation will guide you to a future purchases.
    Sep 26,2018
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
I didn't require use of the plan or the need to contact anyone with questions
Steven 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 Universal Cruise
Nothing went wrong so this is based on what we bought not how we benefited from it.
Liliam 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
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