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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
4.60 out of 5
490
ratings and reviews
96%
recommended
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Cruise
Filed claim
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
Note: This review is for an earlier version of the plan.
  • 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
The trip included a
cruise
Nationwide Mutual Insurance Universal Cruise
LOng and painful claims process. When you call to check on the status, someone looks at a computer screen and reads what is there. You are never able to speak or e-mail directly to a claims adjuster. Often, I would be the one suggesting the next follow-up step,
Carlton S. would not 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
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
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