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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 who have visited Italy rated the Nationwide Mutual Insurance Company Universal Cruise plan
4.24 out of 5
29
ratings and reviews
89%
recommended
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Cruise
Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
I purchased a policy from Nationwide for a cruise I planned to go on in October 2019. Because of the expense of a cruise, I thought insurance would be helpful in case I could not go on the cruise. Unfortunately for me I was robbed in Italy a couple of days before I was to go on the cruise. I could not go on the cruise as my entire purse was stolen with my passport and all my money. The cruise line will not let you go on board without a valid passport. I had no choice but to go to the nearest embassy to get an emergency passport to fly home. Nationwide said the cruise was not eligible for compensation. Ironically this was the only reason I bought insurance, in order to cover the cost of the trip if I was not able to go. All they would pay was $400.00 They sent an email stating they would send a check on December 4,2019.,but it could take 30 days to receive the check..This is ridiculous. It does not take 30 days to mail a check. I waited the required amount of time, and it is now well over 30 days. I called and they were not very helpful. I was told that if they were able to mail a check, it wouldn't be until Monday January 13,2020.. I can not recommend this company to anyone. I have no idea, if I will ever get paid.
Jeneen B. 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.
  • Melissa J.
    Photo
    Thank you for your feedback on this policy. We are very sorry to hear that you were robbed on your trip and that your personal property was stolen. The representatives at Nationwide informed us that the claims were adjudicated in accordance with the terms and conditions of the policy.

    Comprehensive plans are designed to cover as many risks as possible, but is very rare for any insurance plan to cover all possible risks. Unfortunately, it was determined that the event that interrupted your trip did not fall within the scope of Trip Interruption for this specific plan. Nationwide advised that you had coverage under Travel Delay and you were reimbursed the maximum amount under that benefit.

    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.
    Jan 16,2020
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
I didn't need to use my coverage but see the value and importance when taking a major trip.
Mark 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
tour
Nationwide Mutual Insurance Universal Cruise
Insurance provides peace of mind. This policy provided coverage for cancelled shore excursion that we almost needed but the tour company refunded our money. The ship was not able to dock due to weather conditions.
Donald 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
I buy trip insurance all the time, especially for a big trip. I don't have any real comments, because luckily I did not have to use / file a claim. However, it is always nice to have.
Philip 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
Nationwide Mutual Insurance Universal Cruise
No claims, no problens
Michael 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
While traveling we heard from several people that lost luggage, were delayed for days, etc and felt good that we had coverage if anything similar had happened to us. But the travel was good with no major problems. Thanks!
Mark C. 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
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
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.
2 of 2 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
tour
Nationwide Mutual Insurance Universal Cruise
For the coverage the cost was very reasonable and the plan itself was tailored for our cruise. Very satisfied thank you.
Dean 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
Had wallet stolen while on trip; there is basically no coverage...Also if you do submit claim they require original receipts for any claimed item.

While we could not use any coverage (due to excluding any coverage for the lost wallet) it may be difficult to provide original receipts for a replacement i.e. suitcase and clothes...it would appear this could be used to deny any coverage if a loss is incurred.
John S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We are sorry to learn of the unfortunate event that occurred during your trip.

    Travel insurance plans are "named peril" policies which means only those perils/hazards that are specifically listed in the policy are covered. In addition, all plans have their "exclusions and limitations" which may affect your coverage. Although you can review the policy terms and conditions prior to purchase by clicking on "View Certificate", this can be a long and frustrating process given the number of offered plans, so we encourage you to call customer care at InsureMyTrip 800-487-4722 for assistance.
    Jul 24,2017
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