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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
4.59 out of 5
399
ratings and reviews
96%
recommended
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Cruise
Filed claim
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.
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
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
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
tour
Nationwide Mutual Insurance Universal Cruise
Coverage was expensive compared to cost paid.
Angela 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
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.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
Since I didn't file a claim, it's difficult to score the insurance overall, but I do like that Nationwide has travel insurance specific to cruises. That means it includes items many travel insurances won't have, such as missed ports or shore excursions. They are my go-to travel insurance anytime I take a cruise.
Etienne B. 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
Never had to claim any part of policy so really can't rate. Translation: Cruise went perfect :)
John S. 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
tour
Nationwide Mutual Insurance Universal Cruise
We made a claim because our flight going home after our cruise out of Ft Lauderdale was cancelled due to a snow storm, and ended up having to stay the night. We sent in our claim and did not hear from the insurance company for a month. We contacted the company and resubmitted our claim. Again no response. Finally on our third try they responded that they are processing our claim, this after 3 months. The company does not communicate at all, it is like a big black hole. We received our claim finally and it did not cover the items they claim they cover. Also, they don't explain why our costs were not covered just sent a check and that is that. I would have been better off not purchasing the insurance. It was not worth my time to purchase and was not worth the time to send in the claim. Beware, it does not cover much of anything. When you read it it appears to, but it does not. I definitely do not recommend this insurance, unless you feel you want to make a charitable donation to Nationwide! Save your money.
Mary D. would not recommend this plan to a friend or relative.
4 of 4 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    Thank you for submitting your comments to assist your fellow travelers. We are very sorry to hear that you were not satisfied with your Nationwide claim experience.

    Upon receiving your review, we immediately assigned an InsureMyTrip "Anytime Advocate" who contacted the Nationwide. According to their records, you filed your claim on 03/27/2018. On behalf of Nationwide, you were later contacted by Co-ordinated Benefit Plans, LLC with a voice mail on 04/18/2018 asking for additional information, by email on 04/24/2018, and again on 05/8/2018 by email advising that your payment was being processed. You have now received your check.

    Coverage would have been reimbursed under Trip Delay up to 100 USD per day/500 USD maximum per person:

    "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."

    If you do have further questions concerning your claim, please call Customer Care at (800) 487-4722.
    May 25,2018
    • MaryD
      Photo
      We were not contacted at all by Nationwide, not by phone, not by email. We submitted all the documentation 3 times with no response until the 3rd submittal, then the response that our claim was being processed, that was the only communication. The insurance is unresponsive and a waste of money.
      May 25,2018
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