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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
397
ratings and reviews
96%
recommended
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Filed claim
The trip included a
cruise
tour
Nationwide Mutual Insurance Universal Cruise
Glad I did not have to use insurance. But peace of mind of if something should have happen was all worth it.
Charles I. 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
Since i didnt use it, im not sure how good the service would be.....but seemed to cover most of what i would need, and well known company.
Loren 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
Nationwide Mutual Insurance Universal Cruise
Not used, but provided peace of mind
David H. 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
Of all the times I have purchased travel insurance, this was the first time I had to use it and I was very unhappy with Nationwide when they denied our claim. My daughter and I survived the Las Vegas concert mass shooting, but my daughter was still too traumatized and stressed to travel on a plane and be on a crowded cruise ship over Thanksgiving. She had all the supporting documentation from a health care provider but because she wasn't hospitalized for an emotional/psychiatric issue it was not covered! (watch the fine print on exclusions when you purchase insurance). Plus, they took so long to finally deny it that we lost our window to even try to reuse the airfare. It was VERY frustrating to deal with a large insurance company that couldn't consider the extenuating circumstances of being in a mass shooting as cause of cancellation!
Floyd F. would not recommend this plan to a friend or relative.
3 of 3 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 taking time to submit your Nationwide review.

    Although we are very, very sorry that you and your daughter experienced the horror of the Las Vegas attack, we are relieved to hear that neither of you were physically injured. While it is understandable that your daughter was hesitant to board a plane after such an experience, it would still not be a "covered reason" for Trip Cancellation under your policy. As the company explained, your Nationwide policy excluded "...mental or emotional disorders, unless Hospitalized...", as do most travel insurance plans.

    Although this was not a satisfactory claim experience since it resulted in a denial of coverage, these circumstances would have been covered under a policy with a "Cancel for Any Reason" rider. In the future, you may decide to revisit purchasing travel insurance including that optional coverage. "Cancel for Any Reason" is available under the Nationwide Choice and Luxury Cruise plans for an additional premium.

    Please remember that InsureMyTrip is available for assistance by calling (800) 487-4722 weekdays from 7:00 AM to midnight ET and weekends from 9:00 AM to 9:00 PM ET.
    Apr 04,2018
    • RenaeS
      Photo
      While I appreciate your reply, the "cancel for any reason" rider is often not available unless you purchase the insurance right away with initial payment on the trip or at all. I have purchased many travel policies through your site. Since, we don't have all the total costs until we purchase the airfare, hotel if needed, and are sure who is finally going on the trip, it's difficult to purchase the travel insurance right away. Otherwise I would purchase the rider. PLUS, I was told that is not full value but only a portion of the costs (some is better than none but we did not anticipate that the cancellation would be for anything but illness, or the other listed covered reasons on the higher cost plan).
      Apr 07,2018
The trip included a
cruise
tour
Nationwide Mutual Insurance Universal Cruise
Fast and easy, the piece of mind was well worth the cost of the insurance.
kevin 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
Thanks for letting me extend the coverage beyond the one-month limit. We booked another cruise last minute and it was great to have our coverage extended for the extra time.
Barbara 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
tour
Nationwide Mutual Insurance Universal Cruise
Due to a sudden acute illness of one of our party of three, travel plans were cancelled. We all recovered every penny insured. The insurance paid after the arlines, hotels and cruise lines issued their refunds. Once those requests were settled, Nationwide had its own claim requirements.
We all agreed that the insurance was totally worthwhile. Highly recommend keeping a copy of every single purchase for travel, including tickets, itineraries, charges and payments on credit card statements, and whatever refunds are made.
Connor C. would 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.
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
I always have a peace of mind knowing I have coverage from insuremytrip.com
Thomas 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
tour
Nationwide Mutual Insurance Universal Cruise
Didn't have to use but was confident knowing I had this insurance.
Penelope 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
Didn’t have to use the insurance this time but i have used it in the past and it was great. It is nice not to have to worry if something does happen.
Randi P. 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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