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.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Met all my concerns for coverage.
Thomas J. would
recommend this plan to a friend or relative.
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.
9 of
12 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Years ago when we traveled, we never purchased trip insurance, and we never regretted not doing so. However, as our parents have gotten older, we have purchased trip insurance for the last several trips with them, and by ourselves, just in case something happened and we were not able to go on the trip or needed to come home earlier than planned. Once again, we were happy to not need the insurance! If we had needed it, though, it would have helped limit the financial loss caused by a late trip cancellation or flight changes.
Cinde P. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Thanks...glad I didn't have to use the insurance!
Frederick M. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Thankfully we did not have any problems and did not need to use the insurance. However, knowing that it was in place and we had coverage certainly made for a relaxing trip!
Beverly C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Since I fortunately did not need to use the plan it is hard to rate the service.
It gave me peace of mind however knowing someone had "my back" if things did not go as planned.
It gave me peace of mind however knowing someone had "my back" if things did not go as planned.
Cecil L. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
flight canceled on way back and trip was delayed getting back for 2 days and due to fine print in policy it paid nothing
Douglas S. would not
recommend this plan to a friend or relative.
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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.