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Cruise Travel Insurance

Get Cruise Travel Insurance and Prepare to Set Sail

Cruise travel insurance from Nationwide provides coverage for issues unique to cruises, including port of call itinerary changes made by the cruise line before departure, ship-based mechanical breakdowns, delays in arriving to or departing from ports of call, and covered shipboard service disruptions. Coverage is available for three types of cruising options:

Get Valuable Coverage for Many Types of Cruises

The Universal Cruise Plan is designed to meet the needs of many travelers taking shorter and economical cruise vacations.

Please note that not all coverage is available in all states. See your Certificate of Coverage for details.

Benefits Limits (Per Person)
Trip Cancellation Maximum 100% of non-refundable trip costs
Trip Interruption

Interruption for Any Reason – transportation change cost reimbursement (if eligibility requirements are met)
Maximum 125% of non-refundable trip costs

$250
Missed Connection/Trip Delay $500/$500

Note: Missed connection must cause a delay of 3 hours or more; other trip delay must be 6 hours or more
Itinerary Changes
  • Ports of call changed prior to departure (not available to residents of FL, MN, MO, NH, NY, OR, PA, VA, WA)
  • Fire, mechanical, other covered issue impacting cruise experience (not available to residents of FL, MN, MO, NH, NY, OR, PA, VA, WA)
  • Itinerary change after departure causing you to miss a pre-paid excursion

  • $500

  • $100


  • $250
Emergency Accident and Sickness Medical Expense
  • Emergency Dental Expense
  • Emergency Medical Evacuation
$75,000/$75,000 (secondary coverage)
  • $750
  • $250,000
Baggage and Personal Effects
  • Lost/Stolen Baggage
  • Baggage Delay

  • $1,500 max., $600 max. for special items, $300 per article limit
  • $250 (must be delayed by 8 hours or more)
Key Cancellation/Interruption Covered Reasons:
  • Weather
  • Extension of school operating session
  • Work-related issues
  • Terrorism in itinerary city

  • Included
  • Included
  • Included
  • Included
Refund policy 10-day Review Period
Note: Not available in NY or WA

Flexible and Affordable Cruise Coverage

The Choice Cruise Plan is designed for cruisers that want higher levels of coverage, or are taking longer cruises, and want affordable coverage at a great value.

Please note that not all coverage is available in all states. See your Certificate of Coverage for details.

Benefits Limits (Per Person)
Trip Cancellation
  • Cancel for Any Reason (must cancel at least two days before departure)
Maximum 100% of non-refundable trip costs
  • Maximum 70% of non-refundable trip costs
    Note: Available for additional cost if eligibility requirements are met
Trip Interruption

Interruption for Any Reason – transportation change cost reimbursement (if eligibility requirements are met)
Maximum 150% of non-refundable trip costs

$500
Missed Connection/Trip Delay $1,500/$750
Note: Missed connection must cause a delay of 3 hours or more; other trip delay must be 6 hours or more
Itinerary Changes
  • Ports of call changed prior to departure (not available to residents of FL, MN, MO, NH, NY, OR, PA, VA, WA)
  • Fire, mechanical, other covered issue impacting cruise experience after departure (not available to residents of FL, MN, MO, NH, NY, OR, PA, VA, WA)
  • Itinerary change after departure causing you to miss a pre-paid excursion

  • $750

  • $200
  • $500
Emergency Accident and Sickness Medical Expense
  • Emergency Dental Expense
  • Emergency Medical Evacuation
$100,000/$100,000 (secondary coverage)
  • $750
  • $500,000
Accidental Death & Dismemberment $25,000
Pre-Existing Condition Waiver If purchased prior to final trip payment and all eligibility requirements are met
Baggage and Personal Effects
  • Lost/Stolen Baggage
  • Baggage Delay

  • $2,500 max., $600 max. for special items, $300 per article limit
  • $500 (must be delayed 8 hours or more)
Key Cancellation/Interruption Covered Reasons:
  • Weather
  • Extension of school operating session
  • Work-related emergency issues
  • Terrorism in itinerary city

  • Included
  • Included
  • Included
  • Included
Cancel for any Reason Available at additional cost (if eligible)
Non-Medical Evacuation $25,000
Refund policy 10-day Review Period
Note: Not available in NY or WA

Increased Benefits for Complex Cruise Itineraries

The Luxury Cruise Plan provides the highest level of benefits for the most experienced cruise travelers.

Please note that not all coverage is available in all states. See your Certificate of Coverage for details.

Benefits Limits (Per Person)
Trip Cancellation
  • Cancel for Any Reason (must cancel at least two days before departure)
Maximum 100% of non-refundable trip costs
  • Maximum 70% of non-refundable trip costs
    Note: Available for additional cost if eligibility requirements are met
Trip Interruption

Interruption for Any Reason – transportation costs (if eligibility requirements are met)
Maximum 150% of non-refundable trip costs

$1,000
Missed Connection/Trip Delay $2,500 /$1,000

Note: Missed connection must cause a delay of 3 hours or more; other trip delay must be 6 hours or more
Itinerary Changes
  • Ports of call changed prior to departure (not available to residents of FL, MN, MO, NH, NY, OR, PA, VA, WA)
  • Fire, mechanical, other covered issue impacting cruise experience after departure (not available to residents of FL, MN, MO, NH, NY, OR, PA, VA, WA)
  • Itinerary change after departure causing you to miss a pre-paid excursion

  • $1,250

  • $250


  • $1,000
Emergency Accident and Sickness Medical Expense
  • Emergency Dental Expense
  • Emergency Medical Evacuation
  • Accidental Death & Dismemberment
$150,000/$150,000 (secondary coverage)
  • $750
  • $1,000,000
  • $25,000
Pre-Existing Condition Waiver If purchased prior to final trip payment and all eligibility requirements are met
Baggage and Personal Effects
  • Lost/Stolen Baggage
  • Baggage Delay
  • $2,500 max., $1,000 max. for special items, $500 per article limit
  • $1,000 (must be delayed by 6 hours or more)
Key Cancellation/Interruption Covered Reasons:
  • Weather
  • Extension of school operating session
  • Work-related emergency issues
  • Terrorism in itinerary city
  • Centers for Disease Control and Prevention issues health warning at your destination
  • Included
  • Included
  • Included
  • Included
  • Included
Cancel for any Reason Available at additional cost (if eligible)
Non-Medical Evacuation $25,000
Refund policy 10-day Review Period
Note: Not available in NY or WA

Cruise Insurance FAQ

Cruise Insurance FAQ

Learn more about Cruise insurance coverage with these frequently asked questions.

Vacation Preparation Tips

Vacation Preparation Tips

Learn how to pack smart and prepare for your trip with confidence.