Cruise travel insurance from Nationwide provides coverage for issues unique to cruises, missed pre paid excursions due to itinerary change, ship-based mechanical breakdowns, and covered shipboard service disruptions. Coverage is available for three types of cruising options:
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
|
|
Emergency Accident and Sickness Medical Expense
|
$75,000/$75,000 (secondary coverage)
|
Baggage and Personal Effects
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Key Cancellation/Interruption Covered Reasons:
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| Refund policy | 10-day Review Period Note: Not available in NY or WA |
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 | Maximum 100% of non-refundable trip costs |
| 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
|
|
Emergency Accident and Sickness Medical Expense
|
$100,000/$100,000 (secondary coverage)
|
| Accidental Death & Dismemberment | $25,000 |
| Pre-Existing Condition Waiver | If purchased within 14 days of Initial Trip Payment and other requirements are met |
Baggage and Personal Effects
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|
Key Cancellation/Interruption Covered Reasons:
|
|
| 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 |
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
|
Maximum 100% of non-refundable trip costs
|
| 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
|
|
Emergency Accident and Sickness Medical Expense
|
$250,000/$250,000 (secondary coverage)
|
| Pre-Existing Condition Waiver | If purchased within 14 days of initial trip payment and all eligibility requirements are met |
Baggage and Personal Effects
|
|
Key Cancellation/Interruption Covered Reasons:
|
|
| 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 |
Learn more about Cruise insurance coverage with these frequently asked questions.
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