The Nationwide Luxury Cruise plan is designed for travelers that will be going on longer, more expensive cruises. Coverages include Trip Cancellation & Interruption, Optional Cancel for Any Reason (if eligible), Medical, Emergency Medical Evacuation, in most states an Itinerary Change Inconvenience benefit and other cruise specific benefits.
To learn more, see the Nationwide Luxury Cruise product page.
However, it is important to understand that travel insurance is state specific so coverage may vary considerably from state to state to comply with their insurance statutes. Since you reside in the State of New York, that coverage was not available to you. This information would have been evident when quoting and purchasing your policy since we include a summary of available coverage along with a copy of the Certificate of Insurance with every plan.
In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.