Nationwide Mutual Insurance Company

Squaremouth offers 5 policies from Nationwide Mutual Insurance Company. Below, you can compare all 5 policies and review each policy’s certificate.

Provider & Policy
Essential
Certificate
Prime
Certificate
Cruise Universal
Certificate
Cruise Choice
Certificate
Cruise Luxury
Certificate
Ratings
AM Best Rating Underwritten by Nationwide Mutual Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 12/21/2021

Verify this rating at www.ambest.com
Underwritten by Nationwide Mutual Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 12/21/2021

Verify this rating at www.ambest.com
Underwritten by Nationwide Mutual Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 12/21/2021

Verify this rating at www.ambest.com
Underwritten by Nationwide Mutual Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 12/21/2021

Verify this rating at www.ambest.com
Underwritten by Nationwide Mutual Insurance Company

AM Best's Rating of A+ (Superior)
Effective as of: 12/21/2021

Verify this rating at www.ambest.com
Zero Complaint Guarantee
This provider complies with Squaremouth's Zero Complaint Guarantee

This provider complies with Squaremouth's Zero Complaint Guarantee

This provider complies with Squaremouth's Zero Complaint Guarantee

This provider complies with Squaremouth's Zero Complaint Guarantee

This provider complies with Squaremouth's Zero Complaint Guarantee
Cancellation
Cancel for Covid-19 Sickness

Included in Trip Cancellation & Interruption

Included in Trip Cancellation & Interruption

Included in Trip Cancellation & Interruption

Included in Trip Cancellation & Interruption

Included in Trip Cancellation & Interruption

Trip Cancellation

100% of the trip cost

100% of the trip cost

100% of the trip cost

100% of the trip cost

100% of the trip cost

Trip Interruption

125% of the trip cost

200% of the trip cost

125% of the trip cost

150% of the trip cost

150% of the trip cost

Hurricane & Weather

Common carrier delay for 24 hours
Accommodation made uninhabitable
Must be purchased before storm is named

Common carrier delay for 24 hours
Accommodation made uninhabitable
Must be purchased before storm is named

Common carrier delay for 24 hours
Accommodation made uninhabitable
Must be purchased before storm is named

Common carrier delay for 24 hours
Accommodation made uninhabitable
Must be purchased before storm is named

Common carrier delay for 24 hours
Accommodation made uninhabitable
Must be purchased before storm is named

Terrorism

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

Covered for foreign and domestic

Financial Default

Covered after 10 day wait if purchased within 10 days of trip deposit

Covered after 10 day wait if purchased within 21 days of trip deposit

Covered after 14 day wait if purchased within 14 days of trip deposit

Covered after 14 day wait if purchased within 14 days of trip deposit

Covered after 14 day wait if purchased within 14 days of trip deposit

Employment Layoff

Covered
If employed for 3 continuous years

Covered
If employed for 3 continuous years

Covered
If employed for 3 continuous years

Covered
If employed for 3 continuous years

Covered
If employed for 3 continuous years

Cancel For Medical Reasons

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Cancel For Work Reasons

No coverage

No coverage

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Included in Trip Cancellation and Trip Interruption

Cancel For Any Reason

No coverage

Optional coverage
This benefit is separate from Trip Cancellation

No coverage

No coverage

Optional coverage
This benefit is separate from Trip Cancellation

Medical
Medical Coverage for Covid-19

Included in Emergency Medical

Included in Emergency Medical

Included in Emergency Medical

Included in Emergency Medical

Included in Emergency Medical

Emergency Medical

$75,000 per person
Secondary coverage

$150,000 per person
Secondary coverage

$75,000 per person
Secondary coverage

$100,000 per person
Secondary coverage

$150,000 per person
Secondary coverage

Pre-Existing Condition

Covered if purchased within 10 days of trip deposit

Covered if purchased within 21 days of trip deposit

No coverage
Pre-existing look-back period 60 days

Covered if purchased within 14 days of trip deposit

Covered if purchased within 14 days of trip deposit

Evacuation
Medical Evacuation & Repatriation

$250,000 per person

$1,000,000 per person

$250,000 per person

$500,000 per person

$1,000,000 per person

Non-Medical Evacuation

No coverage

No coverage

No coverage

$25,000 per person

$25,000 per person

Loss or Delay
Travel Delay

$600 per person
$150 daily limit
Covered after 6 hour delay

$2,000 per person
$250 daily limit
Covered after 6 hour delay

$500 per person
$100 daily limit
Covered after 6 hour delay

$750 per person
$150 daily limit
Covered after 6 hour delay

$1,000 per person
$200 daily limit
Covered after 6 hour delay

Baggage Delay

$100 per person
Covered after 12 hour delay

$600 per person
Covered after 12 hour delay

$250 per person
Covered after 8 hour delay

$500 per person
Covered after 8 hour delay

$1,000 per person
Covered after 6 hour delay

Baggage & Personal Items Loss

$600 per person
$250 per item
$500 specific items limit

$2,000 per person
$250 per item
$500 specific items limit

$1,500 per person
$300 per item
$600 specific items limit

$2,500 per person
$300 per item
$600 specific items limit

$2,500 per person
$500 per item
$1,000 specific items limit

Missed Connection

No coverage

$500 per person
Covered after 3 hour delay
Cruise and tour only

$500 per person
Covered after 3 hour delay
Cruise and tour only

$1,500 per person
Covered after 3 hour delay
Cruise and tour only

$2,500 per person
Covered after 3 hour delay
Cruise and tour only

Accidental Death
24 Hour AD&D

Optional coverage

$50,000 per person

No coverage

$25,000 per person

$25,000 per person

Flight Only AD&D

Optional coverage

Optional coverage

No coverage

No coverage

No coverage

Sports
Sports & Activities

Covered
Limitations apply

Covered
Limitations apply

Covered
Limitations apply

Covered
Limitations apply

Covered
Limitations apply

Sports Fees

Included in Cancellation & Interruption

Included in Cancellation & Interruption

Included in Cancellation & Interruption

Included in Cancellation & Interruption

Included in Cancellation & Interruption

Other Benefits
Rental Car Damage

Optional coverage

Optional coverage

No coverage

No coverage

No coverage

Money Back Guarantee

Free look up to 10 days after purchase

Free look up to 10 days after purchase

Free look up to 10 days after purchase

Free look up to 10 days after purchase

Free look up to 10 days after purchase

24 Hour Assistance Service

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided

24 hour assistance provided