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Cruise Travel Insurance FAQs

This page answers frequently asked questions (FAQs) about purchasing cruise travel insurance. If your question isn't listed below, please contact us.

General Questions

Cruise Travel Insurance covers unforeseen issues that may occur before or during your trip. It can protect you from losing your monetary investment if you have to cancel your cruise within the penalty period where travel suppliers and cruise lines keep your non-refundable deposits.

It also provides coverage for other problems that you may face during your cruise, such as changes to your ports of call; mechanical breakdown onboard ship; lost, stolen, or damaged baggage; reimbursement of medical expenses and expenses incurred to evacuate you back to your home.

You can purchase Cruise Travel Insurance as a safety net to help protect yourself in case unexpected events negatively impact your travel plans. It works quite similarly to other insurance policies in the following ways:

  • We recommend that you purchase your plan soon after making the initial payment for your cruise to be eligible for the most coverage, and you must purchase Cruise Travel Insurance before anything actually happens to disrupt your trip in order to submit a claim.
  • To understand exactly what the policy will cover and what it won’t, you must read your chosen policy carefully before buying it.
  • If there is a problem and you need to file a claim, you’ll have to provide documentation of your issue, such as receipts or police reports.
  • Like most other forms of insurance, Cruise Travel Insurance works on a reimbursement basis. That means you’ll have to pay your own costs up front, then be reimbursed by the company once they’ve approved your claim.

When viewing your quote, click on the “Full Details” link in the “Plan Terms” grid row to view the entire Certificate of Insurance.

Besides providing coverage for certain reasons causing you to cancel your cruise, missed connections causing you to incur additional cost to catch up to the cruise, or last-minute changes to the ship’s travel itinerary, these plans include reimbursement for emergency medical expenses including evacuation if needed, non-medical evacuation, baggage, and other assistance services and benefits.

A Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which the insured, Traveling Companion, Family member booked to travel with the insured: 1) exhibited symptoms which would have caused one to seek care or treatment; or 2) received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition which is treated or controlled without any adjustment or change in the required prescription through the 60-day period before the Effective Date.

The Pre-Existing Condition exclusion may be waived. Please read the full Certificate of Insurance prior to purchase for a complete definition of when the waiver applies.

The Pre-Existing Condition period is the number of days that the insurance company will “look back” from the day the insurance was purchased, to see if your claim is related to a pre-existing medical condition. Each of the Universal, Choice and Luxury Cruise Travel Insurance Plans has a 60-day Pre-Existing Condition period.

The Choice and Luxury Cruise Travel Insurance Plans offer coverage for pre-existing conditions as long as you purchase the plan by your final payment for the cruise, insure the full cost of your trip and are medically able to travel on the Effective Date of the plan.

You may be reimbursed for the fees incurred to re-deposit your frequent flyer miles due to a covered reason up to an aggregate amount of $250.

To figure the insurable cost of your trip, add together the cost of all your prepaid, non-refundable travel expenses including the cost of the cruise and any transportation costs like airline flights.

Once your purchase has been completed online, we will email you a confirmation detailing your benefits. This email confirmation will contain a link to a copy of your policy.

Yes, these plans provide coverage for Trip Cancellation and Trip Interruption due to a non-traveling family member’s unforeseen death or illness that requires you to stay home or return home earlier than expected. Please see the definition of “family member” within your plan as it may differ depending on which state you live in, but most include parents, grandparents, children, grandchildren, siblings, aunts, uncles and spouses under their definition.

Yes, our plans cover your prepaid and non-refundable expenses for travel arrangements that you make on your own.

These plans are available for purchase until the day before departure. However, we recommend that you purchase right after making the first payment toward any part of your cruise trip so that you are eligible for the most benefits. If you wait to purchase your plan, you run the risk that something will happen before the policy goes into effect. Also, you may not be eligible for time-sensitive benefits such as the financial default of tour operators and the Pre-Existing Condition waiver.

No, these policies cannot be purchased once you have already departed on your cruise.

The Initial Cruise Payment Date is the date that money first exchanged hands for the cruise you are insuring.

These plans do have time-sensitive benefits, so we recommend that you purchase the policy right after making your initial cruise payment. Time-sensitive benefits may include the Pre-Existing Condition waiver, Financial Default of Travel Suppliers, and Terrorism Coverage, depending on the plan you are reviewing.

No, you do not have to wait until the flight is booked. The policy should be purchased by the final trip payment for your cruise, in order to get the Pre-Existing Condition waiver and other time-sensitive benefits.

Trip cancellation coverage becomes effective at 12:01AM the day after you purchase a policy. See the policy details for more information.

The Cruise Travel Insurance Plans offer coverage for Trip Cancellation and Interruption due to a Terrorist Incident (see your plan documents for the definition of a Terrorist Incident). The Terrorist Incident must occur in a city listed on your covered trip itinerary within 30 days prior to your scheduled departure date. The same city must not have experienced a Terrorist Incident within the 90 days prior to the Terrorist Incident that causes the cancellation of your trip.

The policy does not offer coverage for the threat of a Terrorist Incident or any war-related activity. See the policy for further details.

Each of the Cruise Travel Insurance Plans (Universal, Choice and Luxury) offer coverage due to a bankruptcy and/or default of your travel supplier. This coverage goes into effect 14 days following your Effective Date, and does not cover the bankruptcy and/or default of the agency from which you purchased your land/sea arrangements. Please read your policy for full coverage details. To be eligible for this coverage you must insure the full cost of your trip, and you must have purchased the plan by the final payment date of the cruise.

The Financial Default/Bankruptcy of a travel agency would not be covered, but financial default of a tour operator would be, as long as the trip was purchased through a third party and not directly through the tour operator. In the rare occurrence that the travel agent did not fulfill the requested service, the best way to recover your loss would be through your credit card company, or by filing a complaint with your State Consumer Protection Agency.

A travel agent is a person who books flights, cruises and tours. A tour operator is a company that specializes in the planning and operation of pre-planned vacations, which are usually sold to the public through travel agents.

Unlike direct cruise line plans that may only reimburse you with a future cruise voucher should you cancel for a reason that is not covered under the Trip Cancellation benefit, the Nationwide Cruise Luxury Plan will reimburse you in cash up to 70% of the prepaid, forfeited, non-refundable payments or deposits you paid for your trip.

The first step when filing a claim is to call the Nationwide Cruise Claims Administrator at 866-281-0334. A representative will send you the correct claim form, and advise you of any supporting documentation that must be submitted with the claim. The type of claim being filed, e.g. trip delay, trip cancellation, baggage delay, will determine the additional information needed. All documentation requirements are listed on the applicable claim form. Claims can be submitted via the US mail, fax, or through email.

  • Mailing Address: Nationwide Cruise Plan Administrator, P.O. Box 26222, Tampa, FL 33623
  • Email: NWTravClaims@cbpinsure.com

If submitting the claim via email, you will receive a confirmation email that the claim was received. Regardless of the manner of claim submission, please allow 15 business days for review of your claim. If additional information is needed, you will be contacted by a Nationwide Cruise Plan claims examiner.

The Primary Destination is the location where you are going to spend a majority of your time while on your cruise, usually the port where you first board the ship for a cruise.

If you have already purchased a Cruise Travel Insurance Plan but now have additional trip costs to insure, our Customer Care Agents are able to assist you over the phone to increase the cost of the trip that you are insuring. Adding trip cost to your plan may result in a premium increase. Some coverage is time sensitive, so you should add any additional trip cost as soon as you make that payment.

Post Sales Questions

The first step when filing a claim for your Annual Plan is to call the CBP Claims Department at 866-281-1017. A representative will send you the correct claim form and advise you of any supporting documentation that must be submitted with the claim. The type of claim being filed e.g. trip delay, trip cancellation, baggage delay, will determine the additional information needed. All documentation requirements are listed on the applicable claim form. Claims can be submitted via the US mail, fax, or through email.

Mailing Address: Coordinated Benefit Plans, P.O. Box 26222, Tampa, FL 33623.

Fax number: 800-560-6340

Email: NWTravClaims@cbpinsure.com

If submitting the claim via the email, you will receive a confirmation email that the claim was received. Regardless of the manner of claim submission, please allow 15 business days for review of your claim. If additional information is needed, you will be contacted by a CBP claim examiner.

If you do not receive an email confirmation, please check any spam or junk mail folder for the email. If it is not in one of those folders, you can contact our Customer Service Department at 877-970-9059 or send an email to customercare@travel.nationwide.com and we will resend the email which contains a link to the policy.

All cancellation requests must be made in writing. An email can be sent to customercare@travel.nationwide.com to request cancellation. Please see the review period for your policy as some states do not allow refunds after purchase. Please see quoted plan for details.

For Cruise Plans, if you are within the allowed time frame to cancel, and have not departed on your trip or submitted any claims, you will be refunded the total plan cost.

For Single Trip Plans, if you are within the allowed time frame to cancel, and have not departed on your trip or submitted any claims, you will be refunded the total cost minus a $6 non-refundable processing fee on the Essential plan, and an $8 non-refundable processing fee on the Prime plan.

For Annual Plans, you must be within the 10 – 14 day (depending on the state you live in) review period to be able to cancel your policy. If you are eligible for a premium refund, you will be refunded the total cost minus the $7 non-refundable processing fee. Refunds can take several business days to process.

All cancellation requests must be made in writing. An email can be sent to customercare@travel.nationwide.com to request cancellation. Please see the review period for your policy as some states do not allow refunds after purchase.

For Cruise Plans, if you are within the allowed time frame to cancel, and have not departed on your trip or submitted any claims, you will be refunded the total plan cost.

For Single Trip Plans, if you are within the allowed time frame to cancel, and have not departed on your trip or submitted any claims, you will be refunded the total cost minus a $6 non-refundable processing fee on the Essential plan, and an $8 non-refundable processing fee on the Prime plan.

For Annual Plans, you must be within the 10 – 14 day (depending on the state you live in) review period to be able to cancel your policy. If you are eligible for a premium refund, you will be refunded the total cost minus the $7 non-refundable processing fee. Refunds can take several business days to process. Some states do not offer a premium refund after purchase. Please see quoted plan for details.

This notes that the coverage will be secondary to any primary coverage you may have.

Site Use Questions

Yes, the quoted premium is the final cost for all travelers entered. The benefits displayed on the quote are per-person limits.

Yes, you can view all coverage details by clicking the underlined terms on your quoted plan. To review the full policy, click the "Full Details" link.

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