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When you buy cruise insurance from Nationwide, you can choose from one of three plans. The company has been in business since 1925 and is a reputable insurance provider. Such terms and availability may vary by state and exclusions may apply. Tori Addison is an editor who has worked in the digital marketing industry for over five years.
How we evaluated Nationwide travel insurance
John Hancock is similar to Nationwide in that it provides a wide range of insurance offerings and financial services. John Hancock offers travel insurance through Bronze, Silver, and Gold policies. Nationwide has been around close to 100 years after being founded in 1926. The Ohio-based company has many different products in the insurance and finance space, including coverage for trips. Nationwide Travel Insurance policies are available for single or multiple trips and can cover cruise trips too. Nationwide offers few options for policy customization beyond CFAR and rental car coverage.
Additional coverage options offered
A comprehensive travel insurance plan will package additional benefits such as travel delay insurance, baggage insurance and missed connection travel insurance. Although you can purchase a policy right up to your departure, there are advantages to buying travel insurance right after booking your trip. One is that you can maximize the length of your trip cancellation coverage.
Nationwide Travel Insurance Cost
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Based on sample quotes we pulled for a $2,500 trip to Mexico for eight days, it costs $79 to insure a 40-year-old traveler with the Essential Plan. You can upgrade your Nationwide coverage with add-ons, such as cancel for any reason coverage (CFAR). Plus, Nationwide offers travel assistance at no additional cost with all its plans. Overall, the company earned 4.6 out of 5 stars based on our review standards. No matter your destination, travel insurance can offer peace of mind in the event of unforeseen circumstances while traveling. Learn about coverage options, costs, and if travel insurance is worth it in this Nationwide travel insurance review.
To find the best cruise insurance, Forbes Advisor analyzed travel insurance data to score travel insurance policies based on the following factors. We include only travel insurance policies that include missed connection coverage. The best travel insurance plans offer high levels of reimbursement and short waiting periods for benefits to go into effect when things go wrong. A travel insurance agent can help you match your concerns to the right travel insurance package.
Buying travel insurance coverage can protect you from unexpected expenses incurred during a trip. These include needing to cancel or interrupt your travel plans, lost luggage, emergency medical expenses and travel delays. To qualify for reimbursement, you’ll need to cancel your trip at least 48 hours before your scheduled departure, however, so it won’t help if you want to cancel at the last minute.
It builds on the Travel Pro Plan, hence the name, and includes higher coverage limits for just $20 more. Nationwide could be a good travel insurance option for you, but only if you’re willing to shell out for its more expensive policy. In addition to single-trip coverage, Nationwide also provides multi-trip plans and plans focused on cruises. Many different travel credit cards provide complimentary trip insurance when you use your card to pay. Those opting for an Essential plan can also choose to purchase 24-hour AD&D coverage, which comes included with the Prime policy.
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If you’re a frequent traveler for work or fun, there’s no reason to purchase travel insurance each time you take a trip. Instead, an annual travel insurance plan covers an entire year of trips. These plans can save you money even if you only travel two or three times a year. One of the major benefits is that you’ll know you’re covered — so it’s one less thing to think about as you’re planning your trip. This annual travel insurance plan includes the same travel benefits as the Travel Pro plan, but increases the coverage amount. For example, the trip delay benefit jumps up to $500 per person per trip and the emergency medical evaluation jumps up to $250,000 per person per trip.
Missed connection
You can be covered for emergency medical expenses, trip delays, trip cancellations or interruptions and more. Shop around and compare providers to find the best cruise insurance policy for you. Nationwide’s Cruise Luxury plan is its highest-rated plan, according to Forbes Advisor’s ratings of the best travel insurance policies.
This is a fraction of the cost of additional nights at a hotel, unplanned meals, or replacing the necessities if your luggage is lost. You can purchase coverage for a single trip or a full year of travel, quickly and easily whether you are travelling internationally or domestically. If you purchased travel insurance through Nationwide and need to file a claim, you can contact a Nationwide representative. It offers some protection should anything happen ahead of your trip or while you're on your trip.
Safety is a top priority on cruise ships, and every effort is made to steer clear of hazardous weather. However, unexpected events such as hurricanes can happen, causing your trip to end early. Cruise lines don’t always offer refunds in these kinds of situations, but trip cancellation coverage can help repay you for the missed portion of your cruise. When you buy this coverage, if you want to cancel because you have a hangnail, go ahead.
This policy offers the highest levels of travel insurance protection for cruise travelers. The Cruise Luxury plan offers $1 million in medical evacuation coverage. In addition, it provides $150,000 in accident coverage and $150,000 for sickness medical expenses. Not all travel insurance policies provide top-notch coverage for cruises, so we evaluated 37 travel insurance policies with missed connection coverage to find the best cruise insurance. We scored policies based on cost, trip cancellation, trip interruption and medical expense benefits.
Optional pet, wedding, security, baggage, medical, adventures sports and travel inconvenience upgrades allow you to customize a policy to fit your needs. Protect your trip with cancellation, interruption, delay and medical benefits. We are able to offer this and our services thanks to partners that compensate us. This may affect which products we write about as well as where and how product offers appear on our website – such as the order in which they appear. This does not affect our ability to offer unbiased reviews and information about these products and all partner offers are clearly marked.
While Nationwide offers insurance for a variety of trips, it is our pick for cruise travel specifically. Read on to compare Nationwide’s many travel insurance plans and coverages. Nationwide offers several travel insurance plans that can cover an unexpected trip cancellations, delays or interruptions. All three cruise plans offer a benefit that allows policyholders to cancel their travel plans due to work reasons. Additionally, the Choice and Luxury plans include a pre-existing condition waiver, provided you purchase insurance within 14 days of the initial trip deposit and meet certain conditions.
Cruise insurance covers every destination country, plus robust medical evacuation coverage. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every cruise insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. See our methodology for more information on how we choose the best cruise insurance plans. Yes, select Nationwide travel insurance plans offer an optional upgrade to “cancel for any reason” (CFAR) coverage.
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