Call us

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
4.60 out of 5
488
ratings and reviews
96%
recommended
Sort by
Showing
Cruise
Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
A claim was filed on our behalf for a major medical reason involving our daughter. We were told it's not covered and to read the exclusions. It would appear that the exclusions have exclusions. Either way the insurance has no value and the company will find a way to issue a denial. For our money this was a waste .
Thomas D. would not recommend this plan to a friend or relative.
3 of 3 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Carol
    Photo
    When we received your comments on October 31st, we assigned your potential claim to an advocate. Based on the information that you provided, our advocate called the Nationwide claims department who confirmed your telephone conversation and pointed out the applicable exclusion in the policy, so no claim was actually filed.

    Of course, it is never good news to hear that there is no coverage in your policy for a medical issue. If you would like to call Customer Care to discuss this further, we are available to call at (800) 487-4722 Mondays through Friday from 7:00 AM to midnight and weekends 9:00 AM to 9:00 PM. We would be very happy to explain the policy limitations and exclusions further so that you have this information for future travel.
    Nov 14,2017
The trip included a
cruise
tour
Nationwide Mutual Insurance Universal Cruise
Although I did not need to file a claim (thankfully!) the peace of mind I had after purchasing this very reasonably priced policy was worth every penny. There have been so many stories in the news lately about cruise ship mishaps - and one of my biggest fears about this cruise was getting sick in Mexico. The policy covered all of that. For the money you're spending on a great vacation, it's such a small price to pay for that extra peace of mind.
Diane V. 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 weather issues, we missed a flight and subsequently missed our cruise departure. We had to buy new airline tickets to a different destination in order to catch up with the cruise at the first port (which turned out to be the second port of call because the ship skipped the first port of call due to bad weather), stay overnight in a hotel and then use public transit to get to our destination. Upon our return home, we submitted a claim for all of the additional receipted travel expenses. Nationwide sent us a reimbursement, but not for the full amount. When I called to ask about the amount of reimbursement that we received, the agent agreed that we should have been reimbursed at a higher amount, authorized payment, and we received another check a week later. We were reimbursed for the full amount that we had receipts for. Because we were travelling internationally and had to spend a significant sum to reach our destination, we were very glad to have purchased insurance, and we would purchase it again for an international trip such as this.
Amy N. would 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.
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Universal Cruise
The plan served as a security blanket/peace of mind item. I encountered no events, so the company actually benefited.
MARVIN J. 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
Nationwide Mutual Insurance Universal Cruise
Good coverage for cruise vacation for a good price! Peace of mind is priceless!
Rosemary 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
Terrific insurance. Got the coverages I required without paying for additional options I didn't need. All aspects of my travel were covered under this insurance so I was able to travel without concern knowing I had taken the necessary steps to protect myself. Gave me total peace of mind, especially since I was traveling outside the U.S.
Susan 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
Good coverage at a good price, glad we didn't have to use it but glad we had it just in case.
Stacy 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
A bit pricey but had everyone think i would’ve needed
Andrea 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
Though I didnt file a claim this trip, a couple of times I thought to myself, "glad I'm covered."
Mary N. 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
The sign up process was easy and the price was affordable for the coverage received. The only criticism was the difficulty experienced when the cruise dates were modified. It took over 12 emails, written reports from the travel agent and a great deal of frustration to ultimately get the coverage dates modified.
jeffrey 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.
  • Carol
    Photo
    We apologize for the inconvenience when changing your cruise dates but the additional paperwork is required by Nationwide.

    If you need to amend your travel dates, our providers require proof that there were no penalties incurred and that no claims will be filed against the original policy dates. If the changes are requested after the Review Period, most companies require additional information prior to processing any changes which may include:

    Documentation from the travel suppliers showing the cancelled or transferred itinerary indicating that the trip cost was refunded or transferred and
    Documentation from the travel supplier showing the new itinerary (travel dates and trip cost).

    Once again, we apologize for any confusion this may have caused.
    Dec 28,2018
Show reviews per page.

Top 5 Providers

  1. GeoBlue
    (4.71)
  2. IMT Services
    (4.68)
  3. Medjet
    (4.65)
  4. Nationwide
    (4.63)
  5. Berkshire Hathaway Travel Protection
    (4.61)
  1. GeoBlue
    (4.63)
  2. Berkshire Hathaway Travel Protection
    (4.57)
  3. Travelex
    (4.56)
  4. IMT Services
    (4.47)
  5. John Hancock Insurance Agency, Inc.
    (4.44)