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We averaged the cost of travel insurance packages for each provider to find the average price. For basic coverage, the Universal Cruise plan is an affordable insurance option. Consider the Choice Cruise plan for mid-length cruises, and opt for the Luxury Cruise plan if you’re taking an expensive trip that sails to far-flung ports. Let’s take a look at the main highlights, features and benefits you can access when you purchase cruise insurance from Nationwide.
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The Seven Corners Trip Protection Elite plan has generous coverage limits for evacuation and repatriation and accident and sickness. Seven Corners Travel Insurance plans also cover Covid-related illnesses. No coverage for pre-existing conditions that fall within 90 days of your policy's start date. No coverage for pre-existing conditions that fall within 60 days of your policy's start date.
Nationwide Mutual Insurance Company
Trawick Travel Insurance does not currently offer add-ons for its annual cruise policies. Sarah Horvath is one of the home service industry’s most accomplished writers. Her specialties include writing about home warranties, insurance, home improvement and household finances. You can find her writing published through distributors like HouseMethod, Architectural Digest, Good Housekeeping and more.
What is a cruise travel insurance plan?
Nationwide is a top choice for many travelers due to its variety of cruise-specific coverage. The insurer offers three three tiers of cruise insurance, but its standard Universal Cruise Plan should meet many needs. A cruise is an ideal vacation for anyone who likes the all-inclusive concept, where you pay one price and have just about everything taken care of, from accommodations to meals and activities.
Emergency Medical Evacuation Coverage
It’s our goal to help you make sound financial decisions and choose financial products with confidence. Although we don’t feature all of the products and services available on the market, we are confident in our ability to sound advice and guidance. Nationwide Mutual Insurance Company and its affiliated companies underwrite the provider’s cruise policies. In addition, Nationwide excludes anything not specifically listed as covered in your policy. The California Consumer Privacy Act gives California residents the right to opt-out of the sale or sharing of their personal information.
Best cruise insurance options
Trip cancellation insurance and interruption coverage can reimburse you if you cancel or cut your cruise short for a covered reason. If you’re concerned about canceling your trip for a reason not listed under a policy’s coverage terms, consider cancel for any reason (CFAR) coverage. If you’re looking at plans explicitly marketed for cruises, you may find special benefits like cruise diversion, cruise disablement and prepaid excursion reimbursement. Each one covers 100% of the trip cost if you need to cancel for a covered reason, which is a great way to protect your prepaid, nonrefundable deposits.
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This plan includes $35,000 in rental car damage coverage (where it's valid) due to collision, theft or a natural disaster. When your baggage is delayed for more than 12 hours, you can be reimbursed up to $150 a day ($750 maximum) for any necessary personal items you purchase. When you choose to apply (and are approved) for a new credit card through our site, we may receive compensation from our partners, and this may impact how or where these products appear. Please view our advertising policy and product review methodology for more information.
The downside to waiting is that you likely won’t be able to cover pre-existing medical conditions, and you’ll lose the option to add cancel for any reason coverage. Canceling for reasons that aren’t listed in the policy isn’t covered, unless you have already purchased a CFAR upgrade. This typically reimburses you 75% of trip costs, as long as you cancel at least 48 hours before your departure. This will reimburse you for unused trip costs if your trip is cut short because of illness, injury, death, a family emergency back home or other reasons. Trip interruption insurance can also pay for the extra expenses of a trip interruption, such as a one-way plane ticket home on short notice. CFAR allows you to recoup 50% or 75% of your forfeited, nonrefundable trip costs, depending on your policy.
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A cancel-for-any-reason optional upgrade offers the most flexibility. You can get a refund of up to 75% if you cancel your voyage for reasons not usually covered by travel insurance. However, it adds about 40% to your premium and can only be purchased within a limited window of time after your cruise purchase. Seven Corners’ Trip Protection Choice plan has great upgrade options and benefits across the board to cruise goers, including unrivaled medical coverage limits and very good missed connection benefits. Most travel insurance excludes pre-existing conditions from coverage unless you meet certain conditions and qualify for a waiver. A pre-existing medical conditions exclusion waiver allows your emergency medical expense coverage to pay for treatment related to conditions you’ve been treated for in the months leading up to your trip.
Some companies require that you buy cruise insurance within two weeks of making the initial deposit, particularly if you're hoping for pre-existing medical coverage. Many credit cards provide sufficient travel protection that can help you in the event of a delay or cancellation. Other travel protections include helping if you need medical attention or evacuation during your trip, as well as insurance for a rental car if you decide to drive in one of the ports you visit.
According to Walch, "You'll need a doctor saying that you have been diagnosed with COVID and specify that you are unable to travel." If you're wondering where the best place is to purchase third-party insurance, "No one comparison site is getting preferential deals," says Stan Sandberg, co-founder of TravelInsurance.com. "Insurance carriers' rates are the same anywhere." However, these insurance comparison sites can help you directly compare the pricing and coverage of multiple policies by a range of preferred providers. Cruise insurance is worth it if you don’t want to risk losing the non-refundable money you invested in your trip if the unexpected happens. Cruise insurance can pay for you to rejoin the cruise if you can’t board on time because of an issue covered by the policy, such as severe weather. AIG’s Travel Guard Preferred plan provides solid benefits at a very low average price.
Deciding if you want to protect your trip probably depends on your budget. If you can afford a worst-case scenario without protection, then maybe you won’t need to purchase travel insurance for cruises. Note that the premiums and policy structures advertised for cruise insurance companies are subject to fluctuate in accordance with the company's policies.
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