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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
4.58 out of 5
539
ratings and reviews
96%
recommended
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Filed claim
The trip included a
cruise
tour
Nationwide Mutual Insurance Universal Cruise
We were very disappointed in Nationwide Insurance and this product. Our Summer 2020 European trip was cancelled in April 2020 due to the global pandemic. We contacted Nationwide immediately and they recommended that we pursue reimbursement from the travel providers then file a claim for any unrecoverable funds. We trusted that they were guiding us properly and followed their advice. We did indeed have unrecoverable funds and filed for reimbursement immediately after our last refund in Dec 2020. Nationwide denied our claim stating that the global pandemic was not a covered peril. Why was my policy not cancelled and my premium refunded when my trip was cancelled? Why did the Nationwide representative lead me on to believe that we were covered when I contacted them in April? If a global pandemic with travel shutdown all over the world is not covered, why buy insurance? At this point, I would not recommend using Nationwide and I'm not sure about purchasing travel insurance anymore. It looks like there is a very narrow window for reimbursement and obviously the insurer's intent is to deny most of the claims. My experience has been that the travel providers have been focused on taking care of their customers and the insurance company is finding ways to say no. Why buy insurance?
Charles 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.
  • Kaylie
    Photo
    Thank you for your feedback.

    We are sorry to hear that you were unable to travel. Upon learning that your claim was deemed unpayable, we reached out to you about Nationwide making an exception to cancel the policy for a refund of premium or transferring this policy to a future trip. Nationwide requires additional information from you in order to determine if you meet the guidelines for a successful exception. Please call us at 800-487-4722 or email us at [email protected] for further information.
    Jan 20,2021
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
I have purchased this plan two years in a row for cruises and have not made a claim. Because of Covid my cruise was cancelled this year 190 days in advance and I reached out to InsureMyTrip.com and they facilitated a refund which I was not expecting to happen. Thanks to Nationwide and InsureMyTrip.com for great customer service during these unprecedented times.
Henry W. 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
Reading the plan at home, we needed better knowledge about whether the plan offered complete return of money if the trip had been cancelled in the beginning or close to the end. MAKE THE POLICY MUCH CLEARER AS TO THE MONEY RETURNED IF TRIP CANCELLED OR CANCELLED NIN THE MIDDLE OF THE TRIP
Charles B. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Erin
    Photo
    Thank you for providing your feedback. At InsureMyTrip, we have representatives licensed in all 50 states who would be happy to review any policy details with you prior to, during, or after your trip. Please give us a call at 800-487-4722 if you have any questions moving forward or would like to discuss future travel policies.
    May 13,2020
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
In spite of the terrible issues affecting the world while we were traveling, our plans and travel were not interrupted. We were glad to have the insurance and although we did not have to use it felt good able having a safety net of sorts. We thought the price was good and will use again in our future travels.
Janice 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
tour
Nationwide Mutual Insurance Universal Cruise
We buy insurance primarily in case we get sick or something happens to my elderly mother in law. It seems too expensive to me, but the Nationwide policy was the best deal. We never seem to have to use it and it would be nice if they would give discounted policies for those that don't make claims.
Marianne F. 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
Have always used this company. Peace of mind. Buying something you hope you never use. Great to have if you need to
JIMMY R. 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 didn't have to use the policy for anything but felt at ease knowing we had the coverage behind us if needed. We do recommend insure my trip to all of our friends and family and also Nationwide Cruise insurance for our cruising friends.
Wayne 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
Nationwide Mutual Insurance Universal Cruise
Great, easy to use site with detailed information regarding policy benefits.
Good resource for comparing rates and plans.
I’ve used this platform previously and will continue to use and recommend it to family and friends.
I’ve had to submit a claim in the past and the policy paid without any issues.
Fortunately, I did not have to file a claim this time.
Michael 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 Universal Cruise
Piece of cake to do. Had security of knowing we were covered just in case especially living in Maine and leaving in the winter for vacation
Kendall 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
Glad I had purchased this plan even though I didn't have to use it. Traveling without protection is not the way to travel. Good deal. Thank you
Cynthia L. 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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