Nationwide Choice Cruise Travel Insurance Review

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Embarking on a cruise journey encapsulates both luxury and adventure, creating memories that last a lifetime. As cruisers anticipate the allure of the deep blue sea, they also seek a safeguard against the unpredictable.

Does the Nationwide Choice Cruise Travel Insurance Plan fit the bill?

Dive in with us as we chart its waters.

Overview and Key Data

Specifically tailored for those taking to the seas, the Nationwide Choice Cruise Plan offers a blend of general travel benefits combined with cruise-specific features.

With an aim to ensure your maritime journey is as smooth as possible, here’s a glimpse into its key offerings:

  • Plan Type: Cruise-focused Comprehensive
  • Refund Policy: 10 Day Money Back Guarantee
  • AM Best Rating: A+

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Plan Summary

Whether it’s a missed connection that threatens your voyage or a sudden storm that changes your itinerary, the Nationwide Choice Cruise Plan is designed to weather the storms with you.

Here’s what you can expect:

Benefits & Coverage

  • Missed Connection: Ensuring you can catch up with your cruise even if you face unforeseen delays initially.
  • Itinerary Change Benefit: Compensation for last-minute changes to the cruise’s planned route.
  • Trip Interruption: Cost of the cruise + 30%
  • Baggage & Personal Effects: $1,500
  • Baggage Delay: 12+ hours, up to a $500 max.
  • Emergency Medical Expense: $250,000
  • Emergency Medical Evacuation/Repatriation: $1,000,000
  • Accidental Death & Dismemberment (Cruise-specific): Coverages catering specifically to cruise accidents.

Moreover, there’s a slew of other benefits making sure your voyage remains stress-free.

The Nationwide Choice Cruise Plan is a hit among both avid cruise enthusiasts and those new to the experience. Its wide coverage spectrum ensures that solo travelers, couples, and families all find features that resonate with their specific needs.

What are the biggest drawbacks of this plan?

While the Choice Cruise Plan is comprehensive, its cruise-centric focus may not be ideal for those combining cruise travel with extensive land-based excursions.

Additionally, potential policyholders should scrutinize terms and conditions to ensure the coverage limits and conditions match their travel profile.


Charting a course through the myriad of travel insurance options can be daunting, but the Nationwide Choice Cruise Travel Insurance Plan makes a compelling case for those setting sail.

Its blend of general and cruise-specific coverages ensures that from dock to dock, travelers can enjoy the waves without the worries.

If the open sea is calling and you’re ready to anchor your journey in safety, consider acquiring this plan through platforms like Happy cruising!

Also read: Nationwide Universal Cruise Travel Insurance Plan Review

FAQs for Nationwide Choice Cruise Travel Insurance Plan

1. How does the “Missed Connection” coverage work?

If you miss the scheduled departure due to unforeseen circumstances like flight delays, this coverage assists in helping you join the cruise at its next port of call.

2. What is meant by “Itinerary Change Benefit”?

If the cruise line alters the original route due to reasons like bad weather or mechanical issues, this benefit offers compensation for the change in planned activities or excursions.

3. Are there any provisions for pre-existing conditions in this plan?

The specifics related to pre-existing conditions might vary. It’s recommended to check the policy details or directly get in touch with Nationwide for clarity.

4. How much can I claim for lost or damaged baggage?

The coverage for Baggage & Personal Effects is up to $1,500. However, there might be specific limits for certain items or categories.

5. Is there an age limit for purchasing this plan?

While the Choice Cruise Plan is designed for a broad age range, it’s always good to refer to the policy documentation or Nationwide’s official channels to confirm age-related considerations.

6. In the event of a medical emergency onboard, how much coverage can I expect?

The plan offers an Emergency Medical Expense coverage up to $250,000.

7. What’s the procedure to initiate a claim with Nationwide?

To start a claim, reach out to Nationwide through their official contact channels. Ensure you gather all pertinent documentation and details of the incident for a smooth process.

8. Does the plan provide any compensation if the cruise is canceled?

Trip Interruption coverage compensates for the cost of the cruise plus an additional 30%. However, the reasons for cancellation should align with the policy’s terms and conditions.

9. How does the Accidental Death & Dismemberment coverage differ for cruises?

This coverage offers benefits specifically tailored to potential accidents that can occur on a cruise. It’s best to review the policy for detailed scenarios and coverage amounts.

10. Can I add more travelers to my policy after purchase?

Policy alterations usually depend on the terms of the insurance provider. For additions or changes, contact Nationwide directly.