Nationwide Luxury Cruise Travel Insurance Review

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

A luxury cruise is the epitome of opulence and grandeur, a voyage filled with plush amenities and exquisite experiences.

Such extravagant journeys demand a travel insurance plan to match. Enter the Nationwide Luxury Cruise Travel Insurance Plan. B

ut does it offer the premium protection worthy of such lavish adventures? Let’s delve deeper.

Overview and Key Data

Catering to the elite travelers who expect nothing but the best, Nationwide’s Luxury Cruise Plan combines sophistication with security. A policy that resonates with those who seek luxury in every detail, here’s a glimpse of its standout features:

  • Plan Type: Luxury Cruise 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

As you revel in the lavish amenities on board, the Luxury Cruise Plan ensures your peace of mind with its top-tier coverages:

Coverages & Benefits

  • First-Class Cabin Confinement: Receive premium compensation if you’re advised to stay confined due to health reasons.
  • Exclusive Port-of-Call Benefit: Offers a payout for missed luxury experiences at scheduled stops.
  • Trip Interruption: Cost of the luxury cruise + 50%
  • Baggage & Personal Effects: $2,500
  • Baggage Delay: 8+ hours, up to a $750 max.
  • Emergency Medical Expense: $500,000
  • Emergency Medical Evacuation/Repatriation: $1,500,000
  • Accidental Death & Dismemberment (Luxury Cruise-specific): Bespoke coverage tailored for luxury cruise scenarios.

Moreover, expect a suite of other elite benefits tailored for the creme de la creme of cruise travelers.

This plan is the chosen protector of affluent travelers, celebrities, and anyone who relishes luxury cruise experiences. From solo voyagers to elite families, its premium offerings cater to the discerning traveler who seeks comprehensive coverage without compromise.

What are the biggest drawbacks of this plan?

The Luxury Cruise Plan, while comprehensive, might seem extravagant for travelers not indulging in high-end cruises. Also, its focus on luxury cruises means it might not be the optimal choice for those looking for broader, more generic travel coverage.


Sailing the seas in luxury demands an insurance plan of equal calibre.

The Nationwide Luxury Cruise Travel Insurance Plan rises to the occasion, ensuring that those on board can indulge in their plush surroundings with absolute peace of mind.

If you’re poised to embark on a grand nautical journey and desire a premium safety net, this plan, available on platforms like, should be on your radar.

Set sail with confidence!

Also read: Nationwide Prime Travel Insurance Review

FAQs for Nationwide Luxury Cruise Travel Insurance Plan

1. What distinguishes the “First-Class Cabin Confinement” coverage?

This premium feature offers enhanced compensation if you’re medically advised to remain confined to your luxury cabin, ensuring that even unexpected health setbacks don’t compromise your experience.

2. Can you explain the “Exclusive Port-of-Call Benefit”?

If unforeseen circumstances cause you to miss exclusive events or experiences at scheduled ports, this benefit provides a payout to compensate for the lost luxury experiences.

3. Are there provisions in this plan that cater specifically to luxury cruises?

Yes, besides the highlighted coverages, the plan boasts several bespoke benefits tailored to address unique situations that luxury cruisers might face.

4. How is the baggage coverage different in this luxury plan?

Reflecting the upscale nature of luxury cruises, this plan provides a generous baggage coverage of up to $2,500, with faster response times for baggage delays at just 8+ hours.

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

While the plan caters predominantly to upscale travelers, age considerations might still apply. It’s recommended to review the policy documentation or contact Nationwide for specifics.

6. How does the medical expense coverage compare to other plans?

The Luxury Cruise Plan offers a substantial Emergency Medical Expense coverage of $500,000, emphasizing its commitment to top-tier protection.

7. How do I approach Nationwide if I need to make a claim?

Initiating a claim can be done by reaching out to Nationwide via their official channels. Ensure you have all necessary documentation on hand to expedite the process.

8. Does the luxury plan offer cancellation benefits?

The plan features Trip Interruption coverage compensating for the luxury cruise cost plus an additional 50%. However, it’s essential to ensure that the cancellation reasons align with the policy’s terms.

9. What makes the Accidental Death & Dismemberment coverage “Luxury Cruise-specific”?

This bespoke coverage offers benefits tailored for unique scenarios and risks that luxury cruisers might face, ensuring maximum protection.

10. Can additional members be included in the policy after initial purchase?

Modifying the policy usually depends on the terms set by the insurance provider. For any additions or changes, it’s advisable to contact Nationwide directly.