Compare All Policies for Nationwide Mutual Insurance Company

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.


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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 (Excellent) Effective as of: 12/07/2023 Verify this rating at www.ambest.com	Underwritten by Nationwide Mutual Insurance Company AM Best's Rating of A (Excellent) Effective as of: 12/07/2023 Verify this rating at www.ambest.com	Underwritten by Nationwide Mutual Insurance Company AM Best's Rating of A (Excellent) Effective as of: 12/07/2023 Verify this rating at www.ambest.com	Underwritten by Nationwide Mutual Insurance Company AM Best's Rating of A (Excellent) Effective as of: 12/07/2023 Verify this rating at www.ambest.com	Underwritten by Nationwide Mutual Insurance Company AM Best's Rating of A (Excellent) Effective as of: 12/07/2023 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
Interruption For Any Reason	No coverage	No coverage	$250 per person if purchased within 14 days of trip deposit Covered 48 hours after departure	$500 per person if purchased within 14 days of trip deposit Covered 48 hours after departure	$1,000 per person if purchased within 14 days of trip deposit Covered 48 hours after departure
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 Primary 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

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Additional Information