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It offers the highest benefit amounts of the three Nationwide Cruise plans. This plan is available for those who may be going on longer, more expensive cruises, as it allows for a maximum trip cost of up to $50,000 per person with a trip length up to 120 days. There are conditions, restrictions and exclusions, as well as various benefits with limits that may or may not apply to your situation.
More on our top cruise insurance plans
Cruise Choice gives you $150 per day up to $750 to cover the additional expenses. This higher limit can help you save money if you’re stuck in an expensive city, you need to book a new flight to meet the cruise or you lose out on prepaid accommodation bookings due to the delay. The Universal Cruise Plan meets the needs of travelers taking shorter and more economical cruise vacations. Along with trip interruption, trip cancellation and trip delay coverage, the plan also includes up to $75,000 per person in travel medical insurance. It is important to note that this medical coverage is secondary, meaning you’d have to file a claim with your health insurance company first.
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The cruise-specific insurance plans are particularly unique in providing peace of mind if your itinerary changes or other events interrupt ship services. When choosing a plan, be sure to understand the levels of coverage provided and what the plan defines. Make sure to review how to place a travel insurance claim so that you’re prepared if something happens. Traveling can be stressful enough on its own; stay protected by considering purchasing travel insurance for your next trip.
What Does Nationwide Travel Insurance Cover?
Doing so includes flight-only coverage for Essential plans, though strangely that’s considered an add-on for Prime. Cancel For Any Reason insurance allows the ultimate in flexibility as it’ll refund you up to 75% in trip costs in the event you want to cancel your trip. As you can see, the available options and their costs can range quite a bit.
Do Nationwide’s travel insurance plans cover pre-existing medical conditions?
Nationwide's travel insurance policies can be purchased for cruises, single trips or multi-trips. You can buy cruise insurance after booking your trip, right up until just before departure. The downside to waiting is that you likely won’t be able to cover pre-existing medical conditions, and you’ll lose the option to add cancel for any reason coverage. TravelSafe’s Classic plan provides the highest limits for missed connection and evacuation benefits among top-rated plans. It also has very good trip interruption and hurricane and weather coverage at a competitive price.
Be sure to read your policy carefully to understand what is and isn’t covered. Cruise Choice also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier. This upgrade gives you the option to cancel for a reason not listed in the plan’s base trip cancellation reasons. For example, you could cancel the trip simply and get 75% reimbursement simply because you changed your mind about wanting to travel.
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AXA Silver Plan
Trip cancellation insurance reimburses you 100% for the pre-paid and non-refundable deposits you lose if you have to cancel for a reason covered by the policy. You can buy cruise insurance from your cruise line, through a travel agent or from a travel insurance agent or company. Below you’ll see examples of cruise insurance costs for the best cruise insurance policies. AIG’s Travel Guard Preferred plan provides solid benefits at a very low average price.
Single-Trip Essential
Nationwide’s Cruise Luxury plan provides an array of extensive benefits at a decent price, including superior missed connection coverage and emergency and non-medical evacuation benefits. If you’re looking for cruise insurance with primary medical coverage or higher coverage limits for baggage and delays, you may want to go for another provider. The IFAR add-on reimburses you for costs that include lost payments and deposits and airfare to get home (minus any credits from the original ticket).
The policy certificate includes details of exactly what's covered, including reasons for cancellations and coverage exclusions. Make sure you read and understand the policy certificate, so you’ll know what’s included and excluded and there are no surprises. You should also have a copy with you during the trip, if something should happen and you need to file a claim. It’s important to remember that not all travel insurance benefits are available in all states. To find the best travel insurance policy for you, review various providers and compare quotes before buying a policy. Nationwide cruise insurance covers COVID-19, assuming it falls within the other terms of the policy.
This means medical expenses related to pre-existing conditions that arise during your trip will be covered. You can easily navigate travel obstacles with one of Nationwide’s flexible travel insurance plans that offer the option of Cancel for Any Reason coverage. Plus, you’ll get the added comfort of knowing our customer service is available for assistance at any time. Note that for baggage and personal effects coverage, there is a $500 combined maximum limit for valuable items (see your policy's terms and conditions for details on what's considered valuable).
Trawick’s Safe Travels First Class policy provides solid benefits at a great average cost, including high medical evacuation limits and good missed connection coverage. Seven Corners’ Trip Protection Choice plan has great upgrade options and benefits across the board to cruise goers, including unrivaled medical coverage limits and very good missed connection benefits. John Hancock’s Gold policy is worth checking out if you want high medical and evacuation limits. It also includes very good trip interruption, baggage and missed connection coverage. Generali’s Premium policy provides very good benefits at a decent average price. It has excellent trip interruption insurance and medical coverage, and includes generous benefits for rental car damage and accidental death.
Having this waiver means that pre-existing conditions won’t be excluded from your travel insurance coverage. For example, Nationwide’s Cruise Luxury plan will cover pre-existing conditions if you buy the plan within 21 days of your initial trip deposit. You also must insure the full value of your non-refundable trip cost and you must have been medically able to travel when you bought the policy. Nationwide’s Cruise Choice plan provides $100,000 in medical expense coverage and $500,000 in medical evacuation coverage. Cruise Choice also includes non-medical evacuation coverage and offers a trip interruption upgrade. The policy provides compensation if you miss activities because your cruise ship changes its itinerary, and for the inconvenience of delays to the next port of call.
Finally, rental car insurance is available regardless of which plan you pick, though you can receive more coverage with the higher-tier Prime policy. Our partners cannot pay us to guarantee favorable reviews of their products or services. Some Nationwide’s Essential plan and Prime plan both have optional rental car coverage (not available in all states). Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs. U.S. health plans may have very limited or no coverage when you’re outside the U.S. And Medicare doesn’t cover medical care outside the U.S., with only very narrow exceptions.
Most Nationwide Travel Insurance reviews report an intuitive user experience. The website is easy to navigate and provides clear directions to compare plans, file a claim or make payments. Customer reviews report quick response times and helpful customer service agents.
If you meet eligibility requirements, Nationwide’s “interruption-for-any-reason” (IFAR) coverage is available for the Universal Cruise Plan, Cruise Plan and Luxury Cruise Plan. This will cover transportation costs if your trip is interrupted at least 48 hours into your trip. The Universal Cruise Plan will reimburse up to $250, the Choice Cruise plan covers up to $500 in reimbursement and the Luxury Cruise Plan reimburses up to $1,000. Pre-existing medical condition exclusion waivers are available from Nationwide. Make sure to check your travel insurance plan’s details to confirm this coverage.
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