Nationwide Universal Cruise
The Nationwide Universal Cruise plan is only available to people who will be traveling on a cruise during their trip. It is well suited for those who will be traveling up to 30 days with family or friends.
This plan is specifically built for the unique needs you’ll have if you are going on a cruise. Because of this, there are some benefits that are not typically included in comprehensive plans. For instance, Return Home Early coverage allows you to abandon your cruise for any reason, and provides transportation costs up to $250 in order to get home. See quoted plan for eligibility requirements and full coverage details. Some state residencies will not allow this coverage.
The Universal Cruise plan also includes important coverage such as trip cancellation and trip interruption. If you need to cancel prior to departure or interrupt after departure for a covered reason. The plan also features benefits like travel delay, missed connection, baggage coverage, medical, and emergency medical evacuation coverage to list a few.
Coverages and Plan Info
The Nationwide Universal Cruise plan is only available to people who will be traveling on a cruise during their trip. The plan information listed below is for general purposes only. To view specific plan information for your trip, start a quote.
Plan Summary
Protect your trip with cancellation, interruption, delay and medical benefits.
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Trip Cancellation | Trip Cost |
| Trip Interruption | Trip Cost + 25% |
| Baggage Loss | $1,500 $300 per article limit $600 combined max. for specified items (secondary) |
| Baggage Delay | 8+ hours $250 max. (secondary) |
| Medical Limit | $75,000 (secondary) |
| Pre-Existing Condition Waiver | – |
| Pre-Existing Condition Lookback Period | 60 days |
| Medical Evacuation | $250,000 Repatriation of Remains $250,000 |
Plan Info
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Plan Type | Comprehensive |
| Refund Policy | 10 Day Review Period |
| Available to | U.S. Residents traveling on a covered cruise line during the trip |
| AM Best Rating | A+ |
Trip Protection
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Trip Cancellation | Trip Cost |
| Trip Interruption | Trip Cost + 25% |
| Financial Default | 14 day wait, if insurance purchased within 14 days of Initial Trip Payment and certain conditions are met |
| Terrorism in Itinerary City | Foreign and U.S. Domestic |
| Interrupt for Any Reason | See Return Home Early coverage details in Additional Benefits section below |
| Cancel for Any Reason | – |
| Baggage Loss | $1,500 $300 per article limit $600 combined max. for specified items (secondary) |
| Baggage Delay | 8+ hours $250 max. (secondary) |
| Travel Delay | 6+ hours $100/day $500 max. (secondary) |
| Vacation Rental Damage | – |
Medical
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Medical Limit | $75,000 (secondary) |
| Dental | $750 included in Medical (secondary) |
Pre-Existing Conditions
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Waiver | – |
| Lookback Period | 60 days |
Evacuation
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| Medical Evacuation | $250,000 Repatriation of Remains $250,000 |
Additional Benefits
Plan details are for general information purposes only. Coverage may vary by state. Coverage amounts are per person, unless otherwise noted.
| 24-Hour Emergency Assistance | Call for Details |
| Rental Car | – |
| Optional Coverages | – |
| Notes | Included Benefits Cancel For Work Reasons Return Home Early [Requires purchase within 14 days of Initial Trip Payment] – $250 Shipboard Service Disruption – $100 Itinerary Change – Pre-Paid Excursion Reimbursement – $250 Missed Connection (3-6 hours) – $500 (secondary) |
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