Nationwide Universal Cruise Travel Insurance Plan Review

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

Setting sail on a cruise is an unparalleled experience, with the allure of boundless oceans and exotic ports of call. But even on these luxurious floating cities, uncertainties can loom large.

Enter the Nationwide Universal Cruise Travel Insurance Plan. Is it the anchor you need for a worry-free voyage?

Let’s navigate through its offerings to see.

Overview and Key Data

Specially tailored for cruise enthusiasts, the Nationwide Universal Cruise Plan understands the unique challenges and benefits of cruising. This plan is a fusion of comprehensive coverage and specialized benefits, making it an optimal choice for those about to embark on a maritime adventure.

  • Plan Type: Cruise-specific 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

From missed ports to unexpected medical emergencies onboard, this plan is designed to keep you covered. Here’s a snapshot of what’s on offer:

Coverages & Benefits

  • Missed Port of Call: Reimbursement for missed experiences due to unforeseen delays.
  • Cabin Confinement: Compensation if you’re confined to your cabin due to medical reasons.
  • Trip Interruption: Cost of the cruise + 25%
  • Baggage Loss: $1,000 (with specific item limits)
  • Baggage Delay: 12+ hours, up to a $500 max.
  • Medical Limit: $100,000
  • Emergency Medical Evacuation: $500,000
  • Accidental Death & Dismemberment (Cruise-specific): Specialized coverage in case of accidents on the cruise.

In addition, cruisers can enjoy a wealth of additional benefits tailor-made for the nuances of cruise travel.

Who is this plan popular amongst?

The Nationwide Universal Cruise plan finds favor predominantly among seasoned and first-time cruisers alike.

Whether it’s a family looking forward to their annual getaway or retirees aiming to explore the world via sea, this plan’s specialized offerings resonate with those who know the unique rhythm of cruise travel.

What are the biggest drawbacks of this plan?

While the plan offers robust coverage, some travelers might find its specialization too niche if they’re incorporating other modes of travel in their itinerary.

It’s optimized for cruise experiences, so those seeking more generalized travel coverage might need to consider additional policies.


The Nationwide Universal Cruise Travel Insurance Plan sails ahead in terms of providing specialized protection for cruise-goers. With its focus on the specific risks and rewards of cruising, it offers passengers the peace of mind to truly relax and indulge in the cruise experience.

Those gearing up for their nautical adventure should consider anchoring their trip with this plan, available on platforms like Bon voyage!

FAQs for Nationwide Universal Cruise Travel Insurance Plan

1. What does the “Missed Port of Call” coverage entail?

This coverage provides reimbursement for experiences or excursions you might miss due to unforeseen delays or changes in the cruise itinerary.

2. How does “Cabin Confinement” work?

If you’re medically advised to stay confined to your cabin, this benefit offers compensation for the time you spend restricted, ensuring you’re covered even if you miss out on cruise activities.

3. Are pre-existing conditions covered in this plan?

While the summary highlights several specific coverages, you’ll need to refer to the policy details or contact Nationwide directly to understand provisions related to pre-existing conditions.

4. How does the baggage delay benefit work?

If your baggage is delayed for more than 12 hours, you can receive compensation up to $500 for necessary personal items and clothing.

5. Can I cancel my policy if I change my mind about the cruise?

Yes, there’s a 10-day money-back guarantee. If you cancel your policy within 10 days of purchase and haven’t filed any claims or started your trip, you can receive a full refund.

6. Is there coverage for onboard medical emergencies?

Absolutely. The plan offers a medical limit of $100,000 for unexpected medical emergencies onboard.

7. What does Accidental Death and dismemberment (Cruise-specific) mean?

This provides a payout in the unfortunate event of an accident resulting in death or a specific serious injury while you’re on the cruise.

8. How do I make a claim with Nationwide?

You can initiate a claim by contacting Nationwide directly through their official channels. Ensure you have all necessary documentation and details of the incident when filing.

9. Are there any age restrictions for this plan?

Insurance plans often have age considerations. While the Nationwide Universal Cruise plan caters to a broad age range, specifics should be checked directly with Nationwide or through the policy documentation.

10. Can I extend my coverage if I decide to extend my cruise?

Policy extensions typically depend on the terms and conditions of the insurance provider. It’s advisable to contact Nationwide directly if you’re considering an extension to ensure continuous coverage.