Do we have a universal wallet that we can use to any bitcoin and alcoins?
there is no one wallet which support bitcoin and all other altcoins.there are some wallets which you can use for bitcoin and some popular altcoin.if you use smartphone then download coinomi from play store or apple store which is safe and tested wallet.if you use windows then go for Exodus wallet.if supports some popular coins like dash,ethereum,litecoin and more.
Yes, There is none as of the moment. If ever there are hardware wallet that support only few coins. But, if there is a universal wallet, then its a good idea of having an all-in-one wallet.