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Disney Cruise Travel Insurance

Disclosure: This guide about Disney Cruise travel insurance contains affiliate links. Read full Disclosure Policy .

Disney Cruise Insurance

...do you need it?

Do you need Disney Cruise Travel Insurance?

By Alisha Molen

There's a 17% chance you'll need it*

* Source: US Travel Insurance Association Survey

You're spending $5000 or more on your Disney Cruise. Are you willing to gamble this money?

E ssentially, this is the question we're asking ourselves when deciding whether or not to purchase cruise travel insurance for a Disney Cruise . (Or Aulani vacation .)

For me , the answer is no. Disney Cruises are expensive. I'm not willing to gamble the money I'm spending on this dream vacation.

But everyone is different. Let's explore what might be right for you.

Why? What Could Go Wrong?

1 in 6 americans.

say their travel plans have been impacted by medical conditions, natural disasters including severe weather; or mechanical or carrier-caused problems.

Travel Can Bring the Unexpected

Here are some real-life examples of things that I have personally experienced or witnessed in my travels:

Theft on beach in Hawaii
Pickpocketers in Italy
Stung by stingray in Mexico
Trip to Cabo San Lucas cancelled due to hurricane
Slept in Nashville airport thanks to severe weather forcing a flight cancellation
Missed connection in Denver
Lost luggage in Las Vegas, Salt Lake City & Phoenix
Forced to stay extra day at sea on Disney Cruise thanks to Hurricane Matthew

How Your Disney Cruise Could Be Messed Up

"No one needs insurance until they need insurance."

21 REAL LIFE STORIES “Have you ever had to make a claim for Disney Cruise travel insurance?” Read 21 real life stories .

(I know I don’t.)

Unfortunately, Disney Cruises, despite all their magic , are not immune to accidents or unexpected mishaps.

What can happen on or before a Disney Cruise that could put your vacation dollars at risk?

You Miss the Boat

Your cruise ship has a schedule to keep. It will not wait for you.

You Have to Cancel

Sometimes people get sick, loved ones pass away, divorce can change plans. Depending on when "life happens", your deposit is at risk.

You Get Hurt

With a Disney Cruise brings new adventures. Unfortunately, accidents can happen.

You Lose Your Bags

Losing a bag en route to your cruise is, at best, inconvenient. You might not have time to buy replacements. And if you have to purchase anything on the ship -- that's expensive.

Breakdown of Claims: Why People are Using Trip Insurance

* Source: Tripinsurance.com claims data

Trip Cancellation: 40% of Claims

It happens every day. People have to cancel their Disney Cruises for many reasons. Having Disney Cruise cancellation insurance is a buffer against common reasons like these:

Bad Weather

Bad weather cancels or delays a flight en route to a connection or cruise.

Airline Delay

Airline delay or strike makes you miss a connection or cruise

Death, injury or illness

Death, injury, or illness of a family member

Car Trouble or Accident

Undriveable car or accident on the way

Home is damaged

Your home is damaged due to natural disaster, fire, or burglary

Court appearance

You are summoned by a judge to appear in court (jury duty, etc)

Divorce or Pregnancy

A divorce or unexpected pregnancy causes a change of plans

You're laid off due to no fault of your own

Trip Delays & Interruptions: 37% of Claims

Trip interruption is any situation that causes you to unexpectedly have to end your trip and return home. Trip delay is any time your trip has been delayed due to accident or a canceled flight or whatever.

What could cause a trip interruption or delay?

Natural Disaster

Floods, tornados, wildfires, whatever! Mandatory evacuations can really slow you down

Illness or injury

Getting sick or hurt is no fun. Especially on vacation!

Attack, Assault, Robbery

A vicious attack can interrupt or abruptly end a trip

Job or Money Problems

Have to work unexpectedly?

Labor Strike

When travel workers go on strike, it can really mess up your plans

Trip Provider Bankruptcy

A travel supplier (tour operator, etc) ceases operations due to financial default or bankruptcy

Medical Expense: 13% of Claims

If you get sick, hurt, or (heaven forbid) die while on your Disney Cruise, there can be a bevy of hefty costs. Here are just a few:

Hospitalization

Spending any amount of time in the hospital is expensive

If you get hurt in a remote spot, you'll need to be transported to a hospital

Return of Remains

Care for the deceased after unexpected death

Lost or Delayed Baggage: 9% of Claims

Stuck somewhere without your bathing suit, toiletries, Mickey Ears and fresh pair of undies ?

Yeah, it's a total bummer and inconvenience, but worse...last second replacements are often outrageously expensive.

VIDEO: How to Book Disney Cruise Insurance in 5 Minutes

4 reasons you might not need dcl travel insurance, cost of vacation is minimal.

Not spending much on flights or other travel? Got a screaming deal on a 3-day cruise and it just wasn't that expensive? (If yes, show me how!)

Your Domestic Health Insurance Will Cover Medical Emergencies Abroad

Check with your existing carrier to find out what they will or won't cover overseas.

You're Comfortable with Risk of Lost Luggage

You can deal with the inconvenience of lost or stolen baggage.

You're Okay with Losing Any Amount of Money

You can handle the loss of the cost of your trip plus any additional costs you incur due to medical emergencies, evacuations, or added travel expenses.

What Travel Insurance Should I Choose?

S o, are you leaning toward getting Disney Cruise travel insurance for your upcoming sailing?

Next step is to select an insurance provider.

I know, I know. Seems overwhelming, right?

Don't Stress! I'll Give You a Place to Start

Yes, there are a lot of options out there. A LOT. I definitely recommend you do comparison on your own. However... I've done a lot of research on this. I've got you.

There are two basic types of Disney Cruise travel insurance policy:

Individualized policies tend to cover specific worries you might have. If you want just one type of coverage in particular (e.g. medical) call your insurance company and ask for that.

Comprehensive

Comprehensive insurance policies cover basically everything I mentioned earlier (always read your policy to understand it) all in one package.

Here...let me make it simple

I've looked at a lot of travel insurance options.

To keep things simple, I have narrowed my comparison to two comprehensive options commonly selected by Disney Cruisers:

Disney Cruise Line's Vacation Protection Plan
Allianz Global Assistance

Let’s take a look at each...

Disney Cruise Vacation Protection Plan

D isney has Disney cruise insurance coverages that you can purchase through Disney (or your travel agent) that are underwritten by Transamerica Casualty Insurance Company. When Can You Buy Disney Cruise Vacation Protection Plan? You can purchase online, over the phone through DCL, or via your travel agent any time before your final payment is made. How Much Does Disney Cruise Vacation Protection Cost? 8% of the per person sailing fare. Minimum per person cost is $29; maximum per person cost is $399.

Convenience

You can book it at same time you book everything else through DCL or your travel agent.

Flights not covered

Unless you book your air travel through Disney, your flights aren't covered.

More expensive

Per person cost for DCL's insurance is higher than many other plans.

No pre-existing conditions

Pre-existing conditions are not covered

Allianz Global Assistance OneTrip Prime Plan

A llianz Global Assistance offers several plans that vary in coverages.

The most popular plan, and the one that is the best for a Disney Cruise, is called “OneTrip Prime” .

When Can You Buy Allianz Global Assistance's "Prime Plan"? You can purchase up to 11pm eastern of the night before you begin your travels. If you have a pre-existing condition, you'll want to purchase within 14 days of your first deposit, in order to meet an important condition for having pre-existing conditions covered.

How Much Does Allianz Global Assistance "Prime Plan" Cost? Around 2-6% of the total cost of your trip. My last quote was under 4% of my trip cost.

Kids are free

Kids under 18 are covered free when traveling with a parent or grandparent.

Better coverages

Overall better coverage limits.

Half the cost

Cost is about 4% of the total cost of your trip. Disney is 8%.

Pre-existing conditions

Buy policy within 14 days of making first deposit, it will also cover pre-existing conditions.

Umm...it's not Disney?

Only thing I can think of is you have to book Allianz Global Assistance outside of Disney .

What's Covered? Comparison

NOTE: Disney Cruise's own insurance (Vacation Protection Plan) has some restrictions in the fine print: - First, the trip cancellation plan only covers flights booked through Disney. If you make your own flight arrangements, you're not covered. - Second, if you must cancel for a reason that's not covered, all you get is a Disney cruise credit equal to 75 percent of the cancellation fees imposed.

* Benefits as of August 16, 2018

Why I Chose Allianz Global Assistance

Allianz Global Assistance offers quite a bit more coverage for your Disney Cruise travel insurance than the DCL protection plan.

In my personal experience and all of my research, Allianz Global Assistance has provided competitive prices, paid out claims, and given awesome customer service.

Disclosure: If you buy a DCL insurance policy through the Allianz Global Assistance links, I get a small commission. It’s not much but it helps keep the website running and doesn’t cost you any extra. You don’t have to use my links, but I’m very thankful when you do. I recommend them not because of the commission but because I use them myself.

GET A FREE (AND QUICK) QUOTE

Click the image below to get a quick quote from Allianz Global Assistance for your Disney Cruise travel insurance.

Understand Your Disney Cruise Cancellation Insurance Policy

Frequently asked questions, what if i have personal health insurance.

Check with your personal health insurance company and ask if they cover overseas personal travel. Most do not. Remember that Disney Cruise travel insurance (also known as DCL insurance) not only gives you more health coverage but also provides insurance for flight delays, travel interruptions and lost luggage.

Can I Change My Mind?

All trip insurance plans have a "Free Look" period that starts when the plan is purchased and lasts between 10 and 15 days (check your plan details).

This free look period gives you time to review your policy and return it for a refund within the time period.

How to Make an Travel Insurance Claim

Regardless of what Disney Cruise travel insurance provider you go with, here are three tips to help you if you ever have to make a claim:

Doctor Support

If you cancel a trip due to sickness or you have a medical emergency while traveling, you will need documentation from a doctor.

Keep All Documents

The more documentation you have of your expenses, the better. The insurance company will require proof of expenses, amounts you have paid, and any refunds you may receive.

Contact your Disney Cruise travel insurance company as soon as possible. Virtually every good trip insurance company offers 24/7 support. Get in touch with them early and assume nothing. Ask a lot of questions.

Pin For Later

Finally! Someone explains Disney Cruise Travel Insurance...

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Disney Cruise Travel Insurance - 2024 Review

Disney cruise travel insurance.

Available at Check-Out
Strong Insurance Partner
Good Cancellation Protection
Low Medical Coverage
Low Medical Evacuation Coverage
No Coverage for Pre-Existing Medical Conditions
Cancel For Any Reason is Cruise Credit

Sharing is caring!

Known for their amazing trips for families, Disney cruises also provide spectacular cruises for adults as well. Adults can enjoy exciting nightlife, intimate dining experience and luxurious spa treatments. Plus, with Disney's signature service, attention to detail, and rich storytelling are some of the reasons why Disney cruises are voted among the best at sea.

Our Cruise – 3-Night Bahamian Cruise

Our trip is a 3-day Caribbean cruise to the Bahamas, January 21 – 24, 2022 for 2 travelers aged 62 and 60. It leaves from Port Canaveral, FL and cruises to Nassau and on to Disney’s own island – Castaway Cay, before returning to Port Canaveral.

Total cost for the cruise and a cabin with a private veranda is $1,767.08. As pricing for airfare, if needed, can vary greatly depending on when purchased, we have not included it in our example.

Upon checkout, we’re asked if we’d like to purchase the Disney Protection Plan for an additional $126.24. Interestingly, this plan can be individually purchased, so one traveler could purchase the insurance (for $63.12), while the other traveler could decline.

What Disney Cruise Travel Insurance Includes

The Disney Protection Plan is a basic policy covering Trip Cancellation and Trip Interruption (up to $10,000 maximum trip cost), $10,000 for medical coverage and $30,000 for medical evacuation. The plan also comes with a Cancel For Any Reason (CFAR) benefit which will provide a 75% future cruise credit valid for one year. While this is nice, we always prefer cash as you may not be able to cruise next year.

Disney Protection Plan Summary of Benefits

Comparison Quotes

Based on our sample couple, ages 62 and 60, we created comparison quotes using Cruise Insurance 101 travel insurance marketplace engine. The trip cost used for the comparison is the cruise cost for both travelers is $1,767.08.

When traveling outside the United States, we recommend a minimum coverage of $100,000 in Medical Insurance, $250,000 in Medical Evacuation, and a Pre-existing Medical Condition Waiver. We used these criteria to choose the selected quotes.

The least expensive plan with adequate coverage on our quote from Cruise Insurance 101 is the Trawick Voyager . This plan would be comparable to the Disney Vacation Protection Plan without the Cancel For Any Reason (CFAR) option.

This policy provides $250,000 of medical coverage and $1 million of medical evacuation per person. Unlike the Disney Vacation Protection Plan, it also provides a waiver to cover any pre-existing medical conditions provided you purchase the policy on or before the final trip payment is made. Total cost for both travelers is $117.11. This policy has 25 times the medical coverage and 33 times more medical evacuation coverage for $9.13 LESS than the Disney Vacation Protection Plan.

For a Cancel For Any Reason policy, we chose the Trawick Voyager (CFAR 75%) , because it is the least expensive plan with Cancel For Any Reason (CFAR) benefits and would be comparable to the Disney Vacation Protection Plus Plan.

This policy is similar to the Trawick Voyager but adds the Cancel For Any Reason (CFAR) benefit. This policy also provides $250,000 of medical coverage and $1 million of medical evacuation per person as well as a waiver to cover any pre-existing medical conditions provided you purchase the policy on or before the final trip payment is made. Finally, it provides the ability to cancel for any reason not listed in the policy and receive a 75% refund (in cash, NOT cruise credit) of the non-refundable trip cost. Total cost for both travelers is $199.06. This policy has 25 times the medical coverage and 33 times more medical evacuation coverage for a minimal $72.82 more than the Disney Vacation Protection Plan.

Next, we broke down the benefits of each policy in a side-by-side comparison.

Cost Comparison

Overall, the Disney Vacation Protection Plan has minimal coverage for traveling outside the US. Their Cancel For Any Reason (CFAR) coverage only provides a cruise credit valid for one year and does not refund in cash. This can be an issue for travelers who may not be able to travel the following year. Trip costs would be lost in this situation.

By shopping for cruise insurance through Cruise Insurance 101 , our two travelers can save a bit over $9 purchasing the Trawick Voyager policy and have much better medical coverage and medical evacuation coverage than they would get from the Disney Vacation Protection Plan. If receiving a cash refund instead of a cruise credit is desirable, then the Trawick Voyager (CFAR 75%) would be a great option as it has much higher medical coverage and medical evacuation coverage and provides a refund in cash instead of a cruise credit, for about $73 more than the Disney Vacation Protection Plan.

In the following sections, we discuss know what to look for when shopping for travel insurance for your Disney cruise.

Trip Cancellation

A significant concern for travelers is Trip Cancellation . If you became ill or had an accidental injury prior to your departure date, you may have to cancel your travel arrangements, resulting in financial losses. While disappointing, Trip Cancellation is doubly painful without cancellation insurance.

The Disney Vacation Protection Plan permits cancellation for the following reasons:

Unexpected injury, illness, or death of traveler, traveling companion or family member.
Hijacking, quarantine, jury duty, subpoena
Residence uninhabitable by natural disaster, fire, flood, burglary
Involuntary termination (layoff)
Revocation of military leave
Trip delayed more than 50% of scheduled duration

Unfortunately, Disney’s list of cancellation reasons lacks some important coverages.

We recommend policies also include:

Default or bankruptcy of the common carrier or travel supplier
Cancel For Work Reason (should a traveler be required to work during the trip)
Employer-initiated transfer of 250 miles or more
Destination uninhabitable or unreachable by fire, flood or natural disaster
Mechanical breakdown of a common carrier
Mandatory evacuation
Documented theft of passports or visas.

The Disney Vacation Protection Plans only pay a maximum of $10,000 for Trip Cancellation, instead of the full trip cost. It also does not cover any travel arrangements booked outside Disney.

Both the Trawick Voyager and the Trawick Voyager (CFAR 75%) policies can cover all travel arrangements, regardless of where you booked them. In addition, they both offer a 100% refund for covered Trip Cancellations, a 150% refund for covered Trip Interruptions, and a broad list of covered reasons, including cancelling due to contracting COVID.

Trip Interruption

A Trip Interruption is a situation during your trip that causes you to miss some or the rest of your vacation. It’s like Trip Cancellation but happens during your travels.

The most common trip interruption is the injury or illness of a traveler. If you had an injury or illness on your vacation but can continue traveling after treatment, trip interruption reimburses the unused portion of the trip, and the cost to rejoin the trip in progress.

Trip interruption also includes a family member who had a sudden grave illness or passed away. If your covered situation requires curtailing the trip and going home early, Trip Interruption also reimburses for the unused portion of the trip, plus the added cost of going home early.

In the Disney Vacation Protection Plans, Trip Interruption benefits share the same list of covered reasons as Trip Cancellation and have the same $10,000 cap.

Travel insurance plans like the Trawick Voyager and Trawick Voyager (CFAR 75%) offer 150% of trip costs for interruption. Therefore, they cover up to 100% of the unused costs, plus up to an additional 50% to cover transportation costs to return home.

Cancel For Any Reason

Cancel For Any Reason cruise insurance provides the highest level of flexibility and reimbursement if you must cancel your trip for any reason not covered by the policy.

If you cancel your Disney cruise for a reason not listed in the Disney policy, they grant future credits for 75% of the prepaid, non-refundable cancellation fees paid to them. Credits expire after one year, are non-transferrable and not redeemable for cash. Disney, not their insurance policy, provides this part of the Vacation Protection Plan. When it comes to refunds, we always prefer cash since future credits may not be used.

Alternatively, travel insurance policies like Trawick Voyager with Cancel For Any Reason included pay a 75% cash refund of all prepaid, non-refundable trip costs including arrangements made outside of Disney. This could include flights, hotels, rental cars, excursions, and transfers.

Cancel For Any Reason policies have several stipulations:

Purchase the policy within 10 - 21 days (depending on policy), of your initial payment or deposit date and
Insure 100% of the prepaid trip costs subject to cancellation penalties or restrictions. For additional prepaid non-refundable payments made after the purchase of the policy, insure within 10-21 days (depending on policy), of each subsequent payment added to your trip, and
Cancel your trip 2 days or more before your scheduled departure date.

Medical Insurance for Emergency Treatment

One of the most important factors in selecting trip insurance is having adequate Medical Insurance when you travel. Anything can happen, including accidental injuries or sudden illness.

If you have a medical emergency when traveling and don’t have proper medical insurance coverage while overseas, you could find yourself with huge, unexpected hospital bills. Many Americans mistakenly believe countries with universal health care will treat them for free. Unfortunately, this is not the case.

Instead, Americans receive treatment at private hospitals, not public, and must pay like anyone else. Admission for inpatient care can cost $3,000-$4,000 per day, plus the cost of treatment, x-rays, surgeries, and specialists.

A common misconception is that Medicare will pay for hospitalization overseas. Unfortunately, they won’t. Medicare does not pay providers outside the US. Some Medicare supplements do cover overseas, but have lifetime limits or reduced benefits, and pay for emergencies only. They can still require you to pay 20% of the costs. As a result, you could go on vacation and end up with medical bills in the thousands.

Cruise Insurance 101 urges overseas travelers to take travel medical insurance of at least $100,000 per person . In a medical emergency, $100,000 provides ample health care and helps protect your retirement savings from unexpected financial burdens.

The Disney Vacation Protection Plan provides a $10,000 benefit for Medical Insurance. Trawick’s Voyager policies includes $250,000 per person of Medical Insurance, so you can receive proper treatment without ending up in debt.

Emergency Medical Evacuation

Medical Insurance isn’t the only potentially expensive part of a trip. Emergency Medical Evacuation transports you from the place of injury or illness to the closest hospital. Once you’re stable enough for transport, Medical Evacuation brings you home via commercial flight or, if necessary, private medical jet.

Medical flights can cost up to $25,000 per hour and regular health insurance does not cover it. In addition, the US State Department does not offer any medical treatment or evacuation assistance for US citizens. Cruise Insurance 101 advises travelers to get at least $250,000 Medical Evacuation to assure there’s enough coverage to get them back home from almost anywhere if they experience a serious medical event.

The Disney Vacation Protection Plan includes Medical Evacuation up to $30,000 total. The Trawick Voyager plan provides $1,000,000 per person for Medical Evacuation, so you can feel secure knowing you have adequate coverage to transport you back home if needed.

Pre-existing Medical Conditions

A significant concern for senior travelers can be pre-existing medical conditions. A Pre-Existing Medical Condition is one in which you’ve received medical treatment, testing, medication changes, added new medications, or received a recommendation for a treatment or test that hasn’t happened yet. Most travel insurance policies exclude pre-existing conditions unless you purchase the policy within the required time period from your initial trip deposit date (called the Time Sensitive Period). Otherwise, the insurer will look backward 60, 90, or 180 days (depending on the policy) from the date you purchased the insurance to see if there are any pre-existing medical conditions they won’t cover. This is called the Look Back Period. Any medical conditions older than this Look Back Period, unchanged or stabilized with no medication dosage changes are covered, as are any new conditions that arise after you purchase the policy.

If you must cancel, interrupt, or seek medical treatment for a medical condition while traveling, travel insurance policies typically exclude claims related to pre-existing medical conditions. However, if you purchase the policy within a few days of your Initial Trip Payment or Deposit date, many policies add a Waiver to the policy that covers pre-existing Conditions. As a result, there is no Look Back Period and pre-existing conditions are covered.

The Disney Vacation Protection Plan does NOT cover pre-existing medical conditions.

However, the Trawick Voyager policy DOES cover pre-existing medical conditions as long as you purchase the insurance on or before the final trip payment.

Price and Value

The Disney Vacation Protection Plan carries minimal coverage and can be more expensive than other viable options. They limit the maximum trip cancellation or interruption refund to $10,000 total. In addition, the medical insurance coverage is only $10,000, and only $30,000 for medical evacuation, which may not be adequate for a serious illness or injury. Cancellation reasons are limited and the Cancel For Any Reason option only grants future cruise credits that expire after a year. Overall, the Vacation Protection Plan offers limited value for the price.

In contrast, by comparison shopping, we found the Trawick Voyager was less expensive than the Disney Vacation Protection Plan. It includes superior medical and evacuation benefits, 100% refund for trip costs for covered cancellation, 150% refund for covered trip interruption, and a robust list of cancellation reasons.

The Trawick Voyager (CFAR 75%) plan was $73 more than the Disney Vacation Protection Plan but provided much better coverage all around and most importantly refunds 75% of trip costs back in cash, rather than future credit.

The Disney Vacation Protection Plan provides travelers with a minimal insurance policy that could leave travelers unpleasantly surprised during an emergency. Medical coverage and medical evacuation limits are low, and there are a limited number of covered cancellation and interruption reasons, as well as insufficient trip cost reimbursement. Though they have a strong partner in Disney, the insurance itself is rather weak. Overall, we rate it a 7 out of 10.

Travelers planning a Disney cruise vacation will find the best value for their money and peace of mind when they shop for travel insurance at Cruise Insurance 101 Travel Insurance Marketplace. There, you can review dozens of options and select the best policy to fit your needs.

To help you find the best policy, Cruise Insurance 101 recommends having at least $100,000 in travel medical coverage and $250,000 emergency medical evacuation when traveling outside the US. And, if you purchase the policy within the 14-21 days of initial trip payment, please consider a travel insurance policy with the pre-existing condition waiver included to ensure the most coverage for your money.

If you are planning a Disney cruise in 2022, be sure to pack insurance before you travel. You never know when you may need it.

Have questions? Chat with us online, send us an email at [email protected] or alternatively call us at +1(786) 751-2984/strong>. We would love to hear from you.

Safe Travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

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10 Frequently Asked Questions About Travel Insurance for Your Disney Cruise

If only I had a dollar for every question I get about travel insurance! Well I might just be able to pay for another cruise. A short 3-night cruise in the off season in an inside cabin, but still. Insurance is a mysterious creature. Coverage is hardly ever cut and dry, and there are reasons for that. And it’s not cheap! Trust me, I understand it’s painful to pay for something you may or may not ever use. In fact, you are paying for something we hope you never have to use! I can’t tell you what to do, but maybe I can help you approach the insurance choice for your Disney cruise from a more informed place. Here are 10 frequently asked questions!

I even used my trip insurance one time to get reimbursed for having to spend the night in Seattle when weather prevented us from getting to Vancouver from Colorado for an Alaskan cruise. That was in May. No snow, no storms, just a windy day! Just remember, a cruise isn’t like a normal vacation where you can just go a day late should travel delays or weather occur. If you miss the ship, you miss your vacation! Insurance is important for so many reasons on a cruise.

3. Is It Refundable? – I’ve been asked multiple times (even by beloved family members) the following question in one form or another: “Will I get a refund after my cruise for my travel insurance if I don’t use it?” I think the answer is obvious, but a quote from a favorite commercial always pops into my mind, “That’s not how this works, that’s not how any of this works…” Many plans will give you a few days to change your mind after purchase, but otherwise, once you’ve bought it, that money is gone. One exception to this is adding Disney’s insurance to your cruise before final payment. You don’t actually pay for it and Disney does not actually purchase your policy until you have made final payment. So, no matter how early you add it, you can remove it up until final payment.

5. Does It Cover Air? – Maybe. Disney’s insurance plan will not cover air if you do not purchase the air through Disney. For other plans? It depends on the coverage, but usually air is wrapped up in the cost of your trip and is covered.

7. What if I Can’t Go? – Trip Insurance may help, it depends on your policy and why you are cancelling. Some reasons will be covered with most policies. Life-threatening illness of an immediate family member for example. Some companies offer “cancel for any reason” insurance. You can literally decide you don’t want to leave your dog Fluffy and get your money back. “Cancel for any reason” policies can be awfully expensive though. If your main fear is cancelling, Disney’s insurance plan is a great option and has a cancel for any reason clause. Disney’s insurance plan will give you back 75% of your non-refundable cost back in the form of a future cruise credit if you cancel for a reason that’s not covered and thus not entitled to a full refund. In my opinion, it’s the number one reason to get insurance through Disney.

9. Are Claims Usually Accepted? – Let’s face it, insurance companies make their money when they don’t have to actually pay claims. Read the fine print before you purchase a plan, and cross your t’s and dot your i’s when you file a claim. If it’s a health related claim, you will usually be asked to file with your personal health insurance company first, and then file with the travel insurance company for anything that is denied. For other claims, they may need receipts for additional expenses incurred, proof of flight delays, or other pertinent information. I won’t lie, it’s not a quick process. But worth it when it works!

10. I Travel Frequently, is There a Better Option? – There is! I’m a big fan of annual travel insurance. One purchase will cover your travel for a year. Allianz and Travel Guard are two of the big companies that offer annual travel insurance. It’s not cheap, but it’s a whole lot less than buying insurance even two or three times a year.

So are there any travel insurance tidbits you have to share? Any advice for those looking for travel insurance? Any stories (good or bad) of having to use travel insurance or wishing you had purchased it? Share with us!

Tammy Whiting is the owner of Storybook Destinations . Did you know Storybook Destinations offers a complimentary subscription to TouringPlans with qualified Disney and Universal bookings? Click here for a no-obligation quote on your next vacation.

Tammy Whiting

Tammy has been a lover of all things Disney for most of her life. There’s nowhere on this Earth she’d rather be than on a Disney cruise with her family. She’s a Space Force wife and proud mom of two wonderful children and one beautiful daughter-in-law . She fulfilled a lifelong dream in 2008 and became a travel agent specializing in Disney vacations. She now owns her own travel agency - Storybook Destinations. You can reach Tammy at [email protected].

9 thoughts on “ 10 Frequently Asked Questions About Travel Insurance for Your Disney Cruise ”

Great post! Thanksgiving of 2014 our family’s plan was a week long Royal carribean cruise. Flew from Omaha to Tampa only for both my husband and I to get the stomach flu the night before boarding. Thank goodness we had trip insurance. There was no cruise but we used the insurance money to take the kids to Disney the summer 2015. Of course we were so sad to miss our cruise but it could have been so much worse if we would have been out thousands of dollars.

Yes! Thank goodness you did! So glad it worked out. 🙂

Travel Insured has been awesome to us with two Disney vacations – one we had to cancel the week before leaving because of illness, and one that got interrupted due to illness. They’ve been professional, helpful, and prompt paying claims. No hassle at all, and well worth the money. We won’t plan any vacation longer than a weekend without insuring it through them.

Great review, Carol! Thank you!

I bought Travelex trip insurance for a family trip to Quebec last summer. It worked – my daughter had an urgent care visit and antibiotics the day before we left for home. Paid out of pocket, did not file with our normal insurance, and Travelex reimbursed us completely. The only delay was on our side because we took our time (months) to file.

That’s good to hear!

I recently got a new Citibank credit card. I read the fine print and saw that trip cancellation, trip interruption, and trip delay coverage was offered for any travel purchased with that card. I figured it was minimal coverage, so I compared it to the travel insurance I purchased for a recent cruise, and I found that in most cases the credit card was about the same and in a handful of places it was more generous than the coverage. So make sure you don’t pay for a service your credit card already pays for; find and read the fine print!

Good point, we planned on doing a Disney cruise a few years ago but plans changed before we booked. I gave Visa a call to ask them about coverage and they told me pretty much the same detail that our card, which we pay annual due on, covers everything that the cruise insurance does with some slight variations. However the major concern area such as emergency medical evacuation is covered.

Tammy what is your experience with credit card insurance coverage?

That’s a great point! Card coverage varies widely, but there is a chance yours will fit your needs. I’ve never heard of one having a cancel for any reason clause, and coverage for a pre-existing condition is also very rare, but there are a few cards out there with great coverage. You should definitely check your cards fine print to see if it covers your major concerns.

Travel Insurance

Trip Cancellation or Interruption – Helps protect your travel investment by reimbursing you for pre-paid, non-refundable dues and other out-of-pocket expenses if you must cancel or interrupt your trip due to a covered reason.
Emergency Medical Expenses – Ensures you receive adequate medical care when traveling and can cover the cost of transporting you to the nearest medical facility in an emergency.
Trip Delay – Provides coverage if you are delayed for 5 hours or more while en route to or from your destination.
Primary Coverage – Provides easy claims handling and less time and hassle to receive reimbursement for eligible losses with no deductibles. Funds may be recovered from your medical or other collectible insurance plans.
Baggage & Baggage Delay – Safeguards personal articles and expenses if bags are lost, stolen, damaged or delayed for 12 hours or more while traveling.
Security Deposit Protection – Provides coverage for accidental and unintentional damage to your unit and its contents

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Disney Cruise Line

Disney Cruise Line Updates Concierge Level Vacation Protection Plan

by Sarah Phillips · May 17, 2021

More big news coming from Disney Cruise Line this morning! Starting today (May 17, 2021) for guests booked in a Concierge Suite or Concierge Stateroom, when Disney Cruise Line’s Vacation Protection Plan is added to their reservation it must be paid in full at that time. Currently this change only affects Concierge Suite or Concierge Stateroom guests.

When booking a Concierge Suite or Concierge Stateroom, Clients wishing to add Disney Cruise Line’s Vacation Protection Plan to the reservation must add and pay for the Vacation Protection Plan at the time the deposit is paid on the reservation . Deposits for Concierge Suites and Concierge Staterooms are non-refundable. Disney Cruise Line’s Vacation Protection Plan has to be paid prior to a non-refundable charge being applied to the reservation.

Similarly to Restricted Air, Concierge Suites and Concierge Staterooms are subject to cancellation fees as soon as the deposit payment is made; therefore, Disney Cruise Line’s Vacation Protection Plan cannot be added once the deposit has been paid. Should guests elect to decline Disney Cruise Line’s Vacation Protection Plan, they will be unable to add it later, even if they downgrade to a non-Concierge stateroom.

It’s important to add that for all other guests, when the Vacation Protection Plan is added to a non-Concierge Suite or Stateroom reservation it can be paid for (and subsequently activated) at a later date. It’s good to remember too that as of Feb. 3, 2021, Disney Cruise Line has begun to enforce the existing cancellation policy regarding the Vacation Protection Plan . The policy establishes that once the Vacation Protection Plan has been paid in full, it will no longer be refundable, with the exception of a “10-day look-back period” post-purchase to give insured guests appropriate time to review the full policy. Please note this enforcement does not apply to bookings made before Feb. 3, 2021, with the exception of situations where a non-refundable charge (i.e. air) is associated with the reservation.

Disney Cruise Line Concierge Vacation Protection Plan Update Credit: Disney

Do you want more help planning your next Disney vacation? As an Authorized Disney Vacation Planner, I can help you navigate the ever changing climate of Disney travel. The best part is that my services are complimentary to my clients! Get in touch by filling out the form below, calling toll-free at 1-800-454-4501, via email at [email protected] , or following me on Facebook!

Tags: Concierge DCL Disney Cruise Line Vacation Protection Plan

Sarah Phillips

Sarah is a wife, a mother of two awesome little boys, and a Disney fanatic. She has turned her passion into a dream career sharing Disney advice with the readers at MickeyBlog and helping families plan their perfect Disney Vacations with MickeyTravels. Reach out for a FREE, no obligation quote at 1-800-454-4501 or email at [email protected]!

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Travel Insurance

Learn more about how to purchase a travel protection plan for your next disney world resort vacation..

Go to the bottom of any page of Disneyworld.com and select “My Plans”.
Select “Change Reservation” next to your package reservation.
Scroll down to see if your trip is eligible for a Travel Protection Plan—if it is, “Add” will be available; if it is not, “Add” will be unavailable.
Select “Add” and follow the prompts.

You may also add the Travel Protection Plan to your reservation by calling Walt Disney World Resort at (407) 939-5277. However, due to a high volume of calls, you might experience delays. Guests under 18 years of age must have parent or guardian permission to call.

The Travel Protection Plan is designed for and is available to US residents. Please view your state’s specific terms, conditions and exclusions at www.affinitytravelcert.com/docs/DSP01 .

Travel insurance benefits are underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150), under Policy Form series LTP 2013 and applicable amendatory endorsements. This is a brief overview of the coverages, subject to terms, conditions and exclusions. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply.

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The Ultimate Guide to Disney Cruise Health Insurance: Key Tips and Coverage Explained

The Ultimate Guide to Disney Cruise Health Insurance: Key Tips and Coverage Explained

Introduction:

Planning a Disney cruise vacation is an exciting experience, filled with anticipation and dreams of magical memories. However, amidst all the excitement, it’s crucial not to overlook the importance of health insurance coverage. The Ultimate Guide to Disney Cruise Health Insurance: Key Tips and Coverage Explained is here to help you navigate the intricacies of health insurance during your Disney cruise, ensuring you have a worry-free and enjoyable trip.

Below is a table summarizing the key points covered in The Ultimate Guide to Disney Cruise Health Insurance: Key Tips and Coverage Explained:

| Key Points | Description | |————————————-|———————————————————————————————————–| | Understanding Disney Cruise Health Insurance | Learn about the health insurance options available for Disney cruise passengers. | | Key Tips for Choosing the Right Coverage | Discover essential tips on selecting the most suitable health insurance coverage for your Disney cruise. | | Coverage Explained | Dive into the specifics of what is covered under Disney cruise health insurance, including medical expenses, emergency evacuations, and more. |

H2: Understanding Disney Cruise Health Insurance

When embarking on a Disney cruise, it’s essential to have a clear understanding of the health insurance options available. The Ultimate Guide to Disney Cruise Health Insurance provides comprehensive information on the different plans offered by Disney cruise lines and the coverage they provide. By familiarizing yourself with these options, you can make an informed decision that aligns with your specific needs and ensures peace of mind throughout your vacation.

H2: Key Tips for Choosing the Right Coverage

Selecting the right health insurance coverage for your Disney cruise is crucial to safeguarding yourself and your loved ones from unexpected medical expenses. This guide offers invaluable tips on what factors to consider when choosing a plan, such as assessing your existing coverage, understanding the limitations of onboard medical facilities, and evaluating the cost-effectiveness of different options. By following these tips, you can make a well-informed decision and avoid any potential pitfalls during your Disney cruise.

H2: Coverage Explained

The Ultimate Guide to Disney Cruise Health Insurance delves into the specifics of what is covered under Disney cruise health insurance. From medical expenses incurred onboard to emergency evacuations and the repatriation of remains, this guide provides a comprehensive breakdown of the coverage offered by Disney cruise lines. Understanding the extent of coverage allows you to plan accordingly and ensures that you are prepared for any unforeseen circumstances that may arise during your vacation.

In conclusion, The Ultimate Guide to Disney Cruise Health Insurance: Key Tips and Coverage Explained is an invaluable resource for anyone planning a Disney cruise vacation. By understanding the available insurance options, following key tips for selecting the right coverage, and comprehending the extent of coverage provided, you can embark on your Disney cruise with confidence, knowing that you have taken the necessary steps to protect your health and well-being.

Sources: – Disney Cruise Line: Health & Safety Information. Retrieved from [https://www.disneycruise.com/faq/cruise-health-and-safety/](https://www.disneycruise.com/faq/cruise-health-and-safety/) – InsureMyTrip: Cruise Travel Insurance. Retrieved from [https://www.insuremytrip.com/travel-insurance-plans-coverages/cruise/](https://www.insuremytrip.

What is covered by cruise insurance?

Cruise insurance provides coverage for a range of unforeseen circumstances that can occur during a Disney Cruise. It typically includes medical expenses, emergency medical evacuation, trip cancellation or interruption, baggage loss or delay, and travel delay. Medical expenses coverage ensures that passengers receive necessary medical treatment onboard or onshore, while emergency medical evacuation covers the cost of transportation to a hospital if needed. Trip cancellation or interruption protects against unexpected events that may force a passenger to cancel or cut short their cruise. Baggage loss or delay covers the cost of replacing lost or delayed luggage, and travel delay compensates for additional expenses incurred due to a delayed departure. It is important to carefully review the terms and conditions of the cruise insurance policy to understand the specifics of coverage and any exclusions. (Source: https://www.disneytouristblog.

What is VPP on Disney cruise?

VPP, or Vacation Protection Plan, is a comprehensive insurance option offered by Disney Cruise Line that provides peace of mind and coverage for unexpected events during your cruise vacation. This plan includes trip cancellation and interruption coverage, as well as coverage for medical expenses, emergency medical transportation, and baggage loss or delay. With VPP, guests can protect their investment and ensure a worry-free experience onboard. For more information on the benefits and coverage of VPP, visit the official Disney Cruise Line website at [https://disneycruise.disney.go.com/guest-services/vacation-protection-plan](https://disneycruise.disney.go.com/guest-services/vacation-protection-plan).

What is the percentage of insurance for Disney cruise?

When it comes to health insurance coverage for a Disney cruise, the percentage can vary depending on the specific plan and provider. It is important to carefully review the terms and conditions of your chosen insurance policy to understand the exact coverage percentages and any limitations or exclusions that may apply. Disney Cruise Line recommends obtaining comprehensive travel insurance that includes medical coverage, as well as trip cancellation, interruption, and baggage protection. A reputable source for obtaining travel insurance for Disney cruises is Allianz Global Assistance, which offers a range of plans tailored to meet different needs and budgets. It is advisable to compare different insurance providers and policies to ensure you choose the one that offers the best coverage for your specific requirements.

Can I add Disney cruise insurance later?

Adding Disney cruise insurance later is possible, but it is recommended to purchase it as soon as you book your trip. Disney cruise insurance offers coverage for trip cancellation, trip interruption, medical expenses, and emergency medical evacuation. By adding insurance early, you can protect yourself from unforeseen circumstances that may arise before or during your cruise. It is important to read the policy details carefully and understand the coverage and limitations. For more information on Disney cruise insurance and its benefits, please visit [source link].

Disney cruise line vacation protection plan worth it

When planning a Disney cruise, it’s essential to consider the vacation protection plan offered by Disney Cruise Line. The plan provides comprehensive coverage for various unexpected events, such as trip cancellation, trip interruption, and medical emergencies. It also offers additional benefits like baggage protection and travel accident insurance. The cost of the plan is relatively affordable and can provide peace of mind, especially when traveling with children or elderly family members. In case of any unforeseen circumstances, having the Disney cruise vacation protection plan ensures that you are financially protected and can enjoy your vacation worry-free. For more detailed information on the coverage and benefits of the plan, refer to The Ultimate Guide to Disney Cruise Health Insurance: Key Tips and Coverage Explained.

In today’s fast-paced world, health insurance has become an essential aspect of our lives. Whether you are planning a vacation or embarking on a Disney cruise, it is crucial to understand the importance of having adequate health insurance coverage. The Ultimate Guide to Disney Cruise Health Insurance: Key Tips and Coverage Explained aims to provide readers with comprehensive information to ensure a worry-free and enjoyable vacation experience.

One of the key tips highlighted in this guide is the significance of understanding your health insurance coverage before setting sail. As a traveler, it is essential to be aware of the limitations and exclusions of your policy, especially when it comes to international travel. Most health insurance plans have restrictions on coverage outside your home country, and this can prove to be a challenge if you require medical assistance while on a Disney cruise.

To overcome this hurdle, it is recommended to consider purchasing travel insurance that specifically covers international travel. Travel insurance policies often offer additional benefits such as emergency medical evacuation, trip cancellation/interruption coverage, and baggage loss/delay coverage. These added features provide a safety net and peace of mind, knowing that you are protected in case of unforeseen circumstances.

When it comes to Disney Cruise Line, they also offer their own travel insurance options, known as the Disney Cruise Line Vacation Protection Plan. This plan provides coverage for trip cancellation/interruption, emergency medical expenses, baggage loss/delay, and more. However, it is important to carefully review the terms and conditions of this plan to determine if it meets your specific needs. Comparing the Disney Cruise Line Vacation Protection Plan with other travel insurance options can help you make an informed decision.

In addition to understanding your health insurance coverage and considering travel insurance options, it is crucial to prioritize personal health and safety while on a Disney cruise. Taking necessary precautions such as staying hydrated, practicing good hygiene, and following the guidelines provided by the cruise line can help prevent illness and ensure a pleasant vacation experience.

Furthermore, it is worth noting that some credit cards offer travel insurance as a perk. These credit card benefits can vary, so it is important to review the terms and conditions to determine if they provide adequate coverage for your Disney cruise. However, it is advisable to supplement credit card travel insurance with additional coverage, as it may not offer comprehensive protection.

To ensure the accuracy and reliability of the information provided in this guide, trusted sources have been referenced. The Centers for Disease Control and Prevention (CDC) provides valuable insights into travel health and safety, offering tips on preventing illness and staying healthy while traveling. The official Disney Cruise Line website is another reliable source, providing detailed information on the Disney Cruise Line Vacation Protection Plan and other travel-related policies.

In conclusion, The Ultimate Guide to Disney Cruise Health Insurance: Key Tips and Coverage Explained serves as a valuable resource for individuals planning a Disney cruise and seeking comprehensive health insurance coverage. By understanding your health insurance policy, considering travel insurance options, prioritizing personal health and safety, and utilizing reliable sources, you can ensure a worry-free and enjoyable vacation experience. Remember, being well-prepared is the key to a magical Disney cruise adventure.

Do you need travel insurance for Disney?

Should i get the official disney world travel insurance, what does disney travel insurance cover, third-party travel insurance for a disney world vacation, disney travel insurance faqs.

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What to consider when choosing Disney Travel Insurance

Depending on the specifics of your trip, you may need a certain type of insurance.

For example:

A family vacation to Disney World with grandparents, pregnant people, or those with pre-existing health conditions could call for an inexpensive emergency travel medical plan.
Flying and checking luggage may call for trip interruption, cancellation, or baggage coverage.

Regardless of the type of Disney vacation, ensuring you get the right kind of travel insurance for your trip is worthwhile.

Here is a look at some different scenarios you may want to consider before skipping on travel insurance for Disney.

Canceling your trip or cutting it short

You may not have it in the cards to cancel your trip, but Disney World is located in Orlando, Florida, which means there is a risk of receiving bad weather from passing hurricanes and sweltering temperatures in Summer.

It wouldn’t be the first time that hurricanes have forced the closure of Disney World parks, so it’s wise to opt for hurricane travel insurance to cover this scenario. Typically, hurricane season runs from June to November, so if you’re planning a trip to Disney during that time, getting travel insurance is a must.

You may want to consider opting for a plan that includes:

Trip cancellation insurance
Trip interruption insurance

Note: Take a close look at the weather-related inclusions. Normally travel insurance will cover for unforeseen events such as severe weather, this comes under trip cancellation. If a storm was expected before you booked, then your travel insurance may not cover it.

Trip cancellation insurance for a trip to Disney World

If you’re not entirely sure you can make your Disney vacation happen and you’re worried about losing the money you paid, cancellation insurance is a must.

Trip cancellation insurance will usually reimburse you if you have to cancel for:

Medical reasons (including COVID)
Work reasons
Financial default

For extra assurance, you can also choose a travel insurance plan that comes with cancel for any reason (CFAR) coverage .

This additional insurance will make your travel insurance policy cost more upfront, but you can get reimbursed for anywhere from 50% to 75% of your pre-paid, non-refundable travel expenses when you cancel for any reason—even if you just decide you cannot go.

Trip interruption coverage

As a continuation of the above, your trip may start out great and hit a snag that forces you to cut it short. This is where trip interruption insurance can save the day.

Most comprehensive travel insurance plans will include trip interruption coverage as standard. This helps to cover you if you need to be reimbursed for unused expenses or have to return home earlier than expected due to a problem covered by your policy. Sometimes this also includes paying for your flight home. Some reasons include injury or illness, frequent severe weather, or a family emergency such as a death in the family. For extra security, you could also get ‘interruption for any reason’ coverage which means you can cut your trip short for whatever notice and still get 75% of your costs back.

Covering your flights & belongings

While people in the South East often drive to Disney, it’s more common to fly to Orlando. If that’s the case you’ll want to ensure your flights and belongings are protected from delays, loss, or damage.

Trip delay coverage

Travel delay coverage can be useful in paying for accommodation, meals, or anything else you might need if your trip gets delayed. These can include flight delays due to bad weather, mechanical problems, or other issues.

Sometimes it can also pay out for having to extend your trip as a result of the delay. Normally, comprehensive travel insurance plans will have trip or travel delay included and are subject to a minimum waiting time and payment limit.

Baggage loss, delay & damage coverage

The recent baggage loss fiasco in the U.S. is no secret, and it is becoming ever more common. You may want to consider a plan with coverage for baggage delays or lost luggage reimbursement. Some travel insurance policies offer better coverage overall for damage and can even extend to covering rental cars.

Coverage for health & safety while visiting Disney

If you’re planning a trip to Disney World with kids or grandparents, then getting additional medical travel insurance can be even more important.

During Florida’s summer months, temperatures can reach 100º or more, which can lead to dehydration, heat exhaustion, or even heat stroke if you are not careful.

It’s also easy to forget that theme parks require some physical exertion. One example of this is the Mission to Space ride, which has a history of inducing heart attacks for certain visitors. To avoid any unpleasant surprises, getting travel medical insurance that covers medical fees is a wise choice.

Travel medical coverage & medical evacuation coverage

Disney’s travel insurance plan only covers you for up to $25,000 of medical assistance and $100,000 for emergency medical evacuation . In the U.S., this does not go very far and could potentially leave you having to pay out-of-pocket.

Even if you have your own health insurance, travel medical coverage can still be a vital lifeline. First off, travel medical insurance is made to cover common travel scenarios, some of which may not be covered under your traditional health insurance. It can typically be tailored to the individual and offer coverage for pre-existing health conditions.

Additionally, medical evacuation coverage can ensure you have the full cost of transport to a hospital covered without additional out-of-pocket expenses. If you have to be rescued by ambulance or helicopter, some traditional health insurance plans may charge you out of pocket until your deductible is reached. Therefore, having this included in a travel medical plan is never a bad idea.

Disney travel insurance is expensive, especially for Disney cruises, and is fairly basic. However, Disney travel insurance for a Disney park may be worth it if you want basic coverage and prefer to pay for it as part of your Disney vacation package.

In our opinion, the price only makes sense if you stay for around a week, or if you have many children – since kids are included for free under the Disney Travel Protection Plan.

In most cases, third-party travel insurance will offer better coverage at more competitive prices.

That said, not everyone is allowed to buy the official Disney travel insurance. To be eligible for Disney travel insurance you must be staying at a Disney resort and have booked directly through Disney.

This means you’re not eligible if you’re staying in a hotel or Airbnb near a Disney park. The “Disney Travel Protection Plan” is offered at the time of booking, but can also be added by modifying an existing reservation.

Easy to purchase
Priced as a single flat-fee
Backed directly by Disney
Covers many different scenarios
Kids are included for free
Offers insufficient medical coverage limits
Expensive for what you get
Only available if you stay at a Disney resort
Coverage is not customizable
Pre-existing conditions not covered

What we like about the Disney travel insurance

We like how easy it is to book Disney’s travel insurance policies as it is offered directly through the company. You can easily opt-in for Disney travel insurance with any package that includes a resort stay, a dining plan, and theme park tickets.

In regard to the price, it’s not the cheapest, but if your trip is expensive, the price can work out in your favor. That’s because Disney travel insurance is offered for a flat fee whereas most other travel insurance plans are priced based on how much your trip costs.

That said, there are some notable downsides to consider with Disney’s travel insurance plans.

Negative points to consider

Disney’s travel insurance plan only covers you up to a certain amount for medical assistance and emergency medical evacuation . In the U.S., this means it may not cover all the costs and you may have to pay out of your own pocket. Apart from this, Disney’s plans aren’t customizable. Therefore, you cannot upgrade or adjust the limits of the plan to ensure you are covered.

Moreover, medical insurance is generally the cheapest type of travel insurance and you can often find plans for under $20 per person that offer better medical coverage through big-name third-party insurance companies.

Another point to consider is that Disney travel insurance is only offered to people staying on-site. Therefore, if you don’t plan to stay at a Disney resort, this plan will not cover you.

Lastly, at $95 per adult, Disney’s travel insurance is expensive.

Keep in mind that kids are included for free and that it’s offered at a flat rate. In our mind, paying this price only makes sense if you have many kids and plan to stay for a week at Disney Resorts.

Otherwise, we recommend opting for a more comprehensive plan that can be adjusted to your needs. There are also several third-party providers who cover kids under 18 for free. So if this is a perk you like, you can still get it through another company.

At a glance, Disney travel insurance includes protection for emergency medical expenses, lost or delayed baggage, trip delays, emergency evacuation, and auto rental coverage, to name a few included perks. However, the exact coverages you get can vary slightly depending on your state.

Here is a detailed look at what the official Disney travel insurance covers:

Baggage delay : Reimburses up to $500 for necessary incidental expenses when your bags are delayed 12 hours or more.
Baggage loss : Reimburses up to $2,000 for lost, stolen, or damaged luggage with a $500 limit per item and a $500 aggregate limit.
Emergency evacuation and repatriation : Covers up to $100,00 in expenses for emergency evacuation, repatriation of remains, and other eligible expenses.
Emergency medical protection : Covers up to $25,000 in emergency medical expenses per traveler.
Rental car damage : Reimburses up to $25,000 in losses in the event of collision, theft, damage, or vandalism when you rent a car.
Travel accident coverage : Comes with up to $25,000 in coverage that applies in the event of accidental death or dismemberment.
Travel assistance : Automatically receive 24/7 travel assistance services worldwide.
Trip delay : Reimburses incidental expenses that occur when trips are delayed for six hours or more with a maximum limit of $600 ($200 per day).
Trip cancellation or interruption : Reimburses up to the total cost of a trip when a vacation is canceled or interrupted for an eligible reason.

How much does Disney travel insurance cost?

Disney’s Travel Protection Plan for resort vacations is offered at a fixed cost of $95 per adult. You can add children ages 17 and under to the plan for free.

The flat rate for Disney trip insurance can work for you or against you depending on the length of your trip and how many kids you have.

It’s underwritten by Arch Insurance Company and is only available for U.S. citizens regardless of where they live (U.S. or abroad). You may be better off going for a plan directly through Arch .

In general, it is a better deal overall for longer, pricier trips. For example, paying $190 to insure two adults and two children for a Disney resort vacation that costs $10,000 or even $5,000 can be a good deal. However, the same cannot be said for a short stay at a budget Disney property that costs under a few thousand dollars.

As an alternative to buying the official Disney travel insurance, consider taking a look at the following options:

Buying coverage from a third-party travel insurance company
Checking if your credit card offers travel protection

Using an online comparison tool is a quick and easy way to compare multiple travel insurance policies and their pricing all in one place. This way you can clearly judge if other plans may be more beneficial to you than what Disney offers.

We recommend opting for a plan that has higher medical coverage limits than the Disney plan.

Many companies offer travel medical insurance with limits of up to $50,000 or $100,000 per traveler or even higher, which also includes medical evacuation and transportation coverage worth up to $1 million. Best of all, many of these plans include free coverage for kids under 17.

Best alternative travel insurance for a Disney trip

Here is a look at our top plans that offer great coverage and include kids for free.

Best Overall Coverage

Generali global assistance, why we like it.

Editor's take

Arguably one of the best policies on our list, the Preferred plan from Generali Global Assistance is a tempting alternative to Disney insurance. Providing $150,000 worth of emergency medical insurance and $500,000 of medical evacuation coverage, the plan offers coverage at the higher end of the market.

Along with providing a higher level of medical coverage compared to Disney, Generali Global Assistance’s Preferred plan allocates you a $1,000 per person travel delay, covering any unforeseen delays to your trip.

If your trip is interrupted or canceled altogether, this plan will grant you coverage of up to $6,000 for any interruption and $4,000 for a trip cancellation. Vacationing in Disney World’s hurricane-prone Orlando can be volatile, so it is a welcome note that Generali Global Assistance’s Preferred plan also offers hurricane and weather coverage.

Read our full review

High emergency medical and medical evacuation coverage
Cancelation & interruption coverage
Offers hurricane and weather coverage
Extensive loss or delay coverage.
No pre-existing condition coverage

Best for Trip Cancellation Coverage

Tin Leg’s Standard plan provides an appealing alternative to Disney’s in-house insurance. With medical coverage up to $30,000 and medical evacuation up to $200,000, this policy is an ideal supplementary plan to your U.S. healthcare.

A variety of delays are covered in this plan, including travel delays at $500 per person and baggage delays at $200 per person. The added inclusion of sports and activities coverage will also mean you can get the most out of your Disney World experience, regardless of any activity.

Although the second most expensive policy on our list, Tin Leg’s Standard policy will provide coverage up to $4,000 for any trip cancellations and $6,000 for trip interruptions - ideal, as a Disney World trip can cost up to $5,000 or more. Coverage for both adults and children means Tin Leg’s Standard plan can cover both old and young, including those with preexisting medical conditions.

Customize from budget to premium coverage
Protection for COVID-19-related medical expenses included
All plans come with a 10 to 15-day money-back guarantee
Standard plan has lower policy limits for medical treatment
Secondary medical coverage means you must pay first & be reimbursed

Best for Medical Evacuation Coverage

Berkshire hathaway travel protection.

This plan offers great value as it’s the second most affordable plan on the list and provides ideal coverage for families visiting Disney World. With $500,000 worth of medical evacuation coverage, Berkshire Hathaway Travel Protection’s ExactCare plan’s evacuation coverage is at the market’s higher end.

Similar to the ExactCare Lite coverage, ExactCare provides trip cancelation and interruption, yet with the more appealing levels of $4,000 for cancelation and $6,000 for interruption. This plan also offers free coverage for two children per adult named on the insurance plan.

As well as providing hurricane & weather coverage, the ExactCare plan goes one step further and provides coverage for delays such as travel, baggage, and the loss of personal items. The ExactCare plan more than doubles its medical coverage compared to ExactCare Lite, offering $25,000 worth of coverage. Although lower than average, this coverage is perfect as a supplementary plan to your U.S. healthcare when visiting Disney Land.

Free coverage for two children per adult
Includes high emergency medical evacuation coverage
Covers interruption and cancelation of the trip
Includes travel, baggage, and the loss of personal items coverage
24 Hour AD&D
Lower medical coverage limits for international travel

Best Basic Coverage

With much lower fees, the ExactCare Lite plan from Berkshire Hathaway Travel Protection is a fantastic alternative to Dinsey insurance, especially for those looking to save on costs. Coverage is included for both adults and children, offering free cover for two children per adult (aged 1 - 17) that you have listed on the plan. This brings peace of mind to the entire family on your Disney holiday

Located in Orlando, Florida, there is a higher likelihood of hurricanes affecting your visit to Disney World, it’s, therefore, a welcome bonus that ExactCare Lite offers hurricane & weather coverage as standard. This policy provides both trip cancellation and trip interruption clauses, covering both cancellations for medical and work reasons.

Although this policy doesn’t offer the highest emergency medical coverage, the medical evacuation coverage of $100,000 will bring confidence to US domestic travelers. With this plan, you will also be granted a money-back guarantee for 15 days following your purchase, allowing extra flexibility before your trip.

Includes emergency medical evacuation coverage
Lower average cost for coverage
Free look up to 15 days after purchase
Lower medical coverage limits
Secondary medical coverage

Can I get a refund for my Disney trip?

If you’re planning to visit a Walt Disney World Resort and you’re wondering if you can get a refund for your trip, you should know that travel insurance makes refunds possible in certain situations. For example, trip cancellation and interruption benefits can help you get a refund for prepaid travel expenses when your trip must be canceled or cut short for an eligible reason.

If you have cancel for any reason (CFAR) travel insurance, on the other hand, you can cancel your trip and get a percentage of your total trip cost back at any time.

Can I cancel a Disney Cruise and get a full refund?

Whether or not you can get a refund for a Disney cruise depends on the details in your travel insurance policy. Once again, trip cancellation and trip interruption benefits can help you get a refund for prepaid cruise line expenses when your trip must be canceled or cut short for an eligible reason.

Meanwhile, CFAR coverage can also help you get part of your money back (usually 50% to 75%, depending on the plan) when you choose to cancel your cruise for any reason at all.

What’s the best time to go to Disney World?

Summer in Disney World Florida is not for the faint-hearted, with soaring temperatures as well as an increased chance of Hurricanes during the summer months from June until November, it can be hard to find the best time to go to Disney World. For those traveling with children, you may be restricted to school holiday dates, which means it is far more likely to get crowded at the parks too. For the best experience, try to go earlier in the year, from January until May or September until December. Although there can still be a chance of hurricanes in late summer, these are rarer and you’ll find that the weather is still quite warm and sunny, with fewer crowds.

Is Disney Cruise Insurance worth it?

Disney Cruise Line also offers its own travel insurance plan you can book when you set up and pay for a Disney cruise.

Disney cruise travel insurance includes the following types of coverage:

Baggage loss: Reimburses up to $3,000 for lost, stolen or damaged luggage.
Emergency medical, evacuation, and repatriation: Covers up to $30,00 in coverage for emergency medical expenses, emergency evacuation, emergency transportation, and other eligible expenses.
Travel assistance: Automatically receive 24/7 travel assistance services worldwide.
Trip delay: Reimburses up to $500 if your cruise ship is delayed for six or more hours due to a strike, weather, or other covered reasons.
Trip cancellation or interruption: Reimburses up to the total cost of a trip (maximum limit of $20,000) when a vacation is canceled or interrupted for an eligible reason.

Does travel insurance for Disney cover me in case of Covid

Covid is still very much a risk in the world, so the chances of catching it and testing positive before your trip can be a worry. To avoid this risk, you can purchase a travel insurance plan that covers Covid-related cancellations or interruptions, as well as medical expenses. Bear in mind, however, that if you want to cancel due to rising infections, and not because you have Covid, then you will need a CFAR insurance plan instead.

How much is Disney cruise travel insurance?

Disney cruises are an exception to the flat rate rule.

The cost of adding a travel insurance plan to a Disney cruise is charged as a percentage of the trip cost instead of using the flat rate model. Generally speaking, travel insurance from Disney for its cruises will set you back 8% of the voyage fare per guest. This is well over the industry average cost of travel insurance , which sits at 5-6%.

Considering the high costs of this type of vacation, the cost of this coverage can quickly become exorbitant. If you’re considering a seven-night Disney cruise for a family of four that costs $10,000, for example, the cost of Disney cruise insurance would surge to $800. Therefore, a third-party insurance plan may be a better fit.

Is Disney travel insurance worth it?

Disney travel insurance is definitely worth it given how expensive it has become to travel to, stay at, and enter Disney parks. However, in most cases, third-party travel insurance will offer better coverage at more competitive prices than the official Disney travel insurance.

The official Disney Travel Protection plan is very expensive for what it offers. It’s also a rigid plan that cannot be tailored to the individual needs of the people on your trip. We recommend looking for better, more flexible plans through a third-party provider that can offer better coverage often at a lower price.

As we mentioned above, we believe the price of the Disney Travel Protection Plan only makes sense if you stay for a week or more, or if you have many children.

If you have purchased travel insurance you may be able to get a full refund for your Disney trip. This will depend on the travel insurance policy.

The official Disney Travel Protection plan only reimburses you if you cancel for a reason covered in the policy – this is typically for reasons out of your control.

However, other travel insurance plans can cover your Disney vacation just as well and often, offer cancel for any reason travel insurance (CFAR) – allowing you to cancel your vacation for any reason whatsoever and still be fully refunded.

Can I use Credit card travel insurance for my Disney World trip?

Many travel credit cards offer some travel insurance perks on a complimentary basis. Some even offer robust protection for trip cancellation and interruption, trip delays, lost or delayed baggage, and other travel mishaps that can occur during your trip.

That said, travel credit cards tend to come up short when it comes to offering protection for emergency medical expenses that occur during a trip. With that in mind, you should read over the credit card coverages you’re offered to see if policy limits are sufficient for your needs. If not, a comprehensive travel insurance policy can help you get the right amount of medical coverage for your Disney World vacation or cruise.

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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Travel insurance

Best travel insurance for a Disney World vacation in 2024

Timothy Moore

Alyce Meserve

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Heidi Gollub

Updated 4:26 p.m. UTC Jan. 10, 2024

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Disney offers a comprehensive Travel Protection Plan for trips to Disney World, Disneyland and Aulani.
Disney travel insurance includes trip interruption and cancellation, lost baggage and emergency medical protection, among other coverages.
You can also purchase third-party travel insurance for more comprehensive coverage — sometimes at lower rates.

Disney World is the most magical place on earth; it’s hard to imagine anything going wrong there. But bad things can — and do — happen, even on a Disney vacation.

If you’ve sunk what feels like your life savings into an upcoming Disney trip, it may be a good idea to protect your investment with Disney travel insurance. You can purchase official Disney World travel insurance through the mouse himself, or you can work with third-party travel insurance companies .

What is Disney’s insurance package?

The official Disney trip insurance plan is called the Travel Protection Plan. You can purchase this plan when booking a trip yourself or through an authorized Travel Agent Specializing in Disney Destinations (that’s Disney’s overly complex name for its travel agents).

The plan offers refunds for canceled or interrupted trips for any covered reasons. It also provides travel medical insurance and covers certain losses while traveling, such as baggage and personal effects.

The official Disney World trip insurance policy is only available to U.S. residents. Plans are underwritten by Arch Insurance Company and administered by Aon Affinity.

What Disney travel insurance covers

Here’s everything you’ll get when you purchase the official Travel Protection Plan for your Disney World vacation.

Trip cancellation/trip interruption

If your trip is canceled or ends early for a covered reason such as illness, injury, job loss or military service, you’ll be reimbursed up to 100% of your prepaid travel costs.

Similarly, if your trip is delayed for six or more hours due to a covered reason, such as a road closure, you’ll be reimbursed for related expenses — up to $200 per day ($600 maximum).

Baggage loss and delay

If your luggage or personal effects are lost, stolen or damaged, this coverage can reimburse up to $2,000. Reimbursement will be for the actual cash value, which accounts for depreciation, or the cost to replace or repair the item, whichever is less. There is a limit of $500 per item.

If you arrive in Orlando but your bags don’t make it for another 12 or more hours, you can also get up to $500 reimbursed for buying a few necessary personal items. Be sure to save your receipts — you’ll need them to file a claim.

Emergency medical protection and evacuations

Disney’s Travel Protection Plan includes $25,000 of coverage should you become ill or get injured during your Disney travel. If you need emergency medical transportation, up to $100,000 is covered.

Travel accident

The policy also includes $25,000 in coverage for accidental death or dismemberment .

Rental car damage

If you rent a car for your Disney vacation, you’ll be covered for up to $25,000 in repair costs following a collision, theft, damage or vandalism.

Keep in mind: You may also have rental car coverage through your credit card and/or your current car insurance company .

Worldwide emergency travel assistance

In addition, when you purchase the official Disney World travel insurance plan, you’ll get 24/7 emergency travel assistance provided by CareFree Travel Assistance.

Is Disney World travel insurance worth it?

In some cases, purchasing Disney insurance makes a lot of sense. In others, it might not be worth the cost.

To understand how to navigate the decision, we spoke with Kat Wolfe, an authorized agent and owner of Get Down to Disness, a company that offers coaching and business development resources for Travel Agents Specializing in Disney Destinations.

“Whenever a guest is unsure if they want to protect their vacation with insurance and ask for advice on making the decision, I ask them to consider whether or not they can afford to lose the amount they spent,” Wolfe says.

“For instance, if a client is taking a three-night solo trip, staying at a Value Resort, is an Annual Passholder and books a Basic Package (so no tickets are being purchased), it’s fairly low cost and it may not make financial sense to purchase insurance as the deposit is equal to one night’s stay and the balance is due upon check-in. On the other hand, a family staying five nights, with park tickets and a dining plan where the balance is due 30 days in advance of arrival, should seriously consider investing in insurance with so much more to lose.”

Disney travel can be confusing and stressful. If you don’t understand all the nuances, consult with a Disney travel agent about your travel plans. Booking through a Disney agent incurs no extra cost.

How to get Disney World travel insurance

You can add on the official Travel Protection Plan while booking a Disney World vacation online or through a travel agent — just select “Add Travel Protection” when prompted.

You can also add travel protection to existing plans before final payment. Log in to the Disney World website, navigate to “My Plans” and choose “Change Reservation” to start the process.

Alternatively, you can call (407) 939-5277 to add trip insurance to your Disney vacation. However, Disney gets a notoriously high volume of calls. You could wait quite a while if you go this route.

When to get Disney World travel insurance

Already booked a Disney World vacation? You may still be able to purchase official Disney trip insurance. As long as you haven’t paid for your trip in full, you’re eligible to add it to your booking.

In general, it’s best to buy travel insurance as soon as you’ve made your first trip deposit as it covers you for all the days leading up to your trip. If you need to cancel for a covered reason, the Disney Travel Protection Plan will refund your prepaid, nonrefundable travel package, including airfare (as long as it’s scheduled for travel within seven days of the travel package).

How much is Disney travel insurance?

The Travel Protection Plan through Disney costs $95 per adult for Walt Disney World vacations. Children 17 and under are included in the per-adult price.

Coverage for Disneyland trips is slightly more affordable at $85 per adult . Coverage for vacations to Aulani, Disney’s Hawaiian resort, costs $99 per adult .

Top reasons to buy Disney World travel insurance

Any seasoned traveler will tell you the peace of mind alone is reason enough to purchase travel insurance , but a Disney World trip in particular is a strong candidate for carrying a policy. Here are a few reasons why.

Disney World trips are expensive

Taking your family to Walt Disney World isn’t cheap. Families can often spend a week at an all-inclusive resort or travel to Europe for the same cost — or for less than the cost — of a Disney vacation.

According to WDW Magazine, the average Disney World vacation cost $7,245.70 during peak season in 2023. That’s for a family of four with tickets, lodging and airfare for a weeklong trip — and it doesn’t even include food, transportation to and from the airport, souvenirs or any trip add-ons, like Genie+ (Disney’s paid skip-the-line service).

Hurricanes can wreck your trip

Disney World is located in central Florida, far enough from the coast. However, strong tropical storms and hurricanes during the summer and fall can still ruin vacations to Disney World.

In some extreme cases, the parks shut down. Even if the parks stay open, rides often close down and the scheduled parades and fireworks may not happen.

And that assumes you make it to Orlando. Hurricanes can lead to delayed and canceled flights that can stop your Disney World vacation before it even starts.

If your planned Disney vacation is during Atlantic hurricane season — June to November — it’s a good idea to compare Disney travel insurance to third-party travel insurance plans . The latter often have more robust hurricane coverage.

Flights are still unreliable

Flight cancellations and delays have been so bad in recent years that the federal government launched a formal investigation into the problem. And industry experts say the problem may worsen over the next decade before we see improvements.

If your flight arrives a day late — or even half a day late — you could miss some of the magic at Disney World. And without the proper travel insurance, you’ll have nothing to show for it.

Alternatives to Disney travel insurance

Purchasing travel insurance through Disney while booking your trip is easy, but that doesn’t mean it’s the most affordable or comprehensive option. Here are some alternatives to booking Disney World travel insurance directly through Disney.

Other companies providing travel insurance for Disney World

The best travel insurance companies offer policies that cover Disney World vacations. You can easily compare travel insurance quotes on sites like Squaremouth and InsureMyTrip. You might be able to find policies with more extensive coverage for a lower price.

Combining existing coverages

If you already carry certain insurance policies, portions of your trip may already be covered. If you’re a U.S. resident:

Health insurance should cover medical costs if you need to visit a doctor, go to the hospital or purchase a prescription while in Orlando.
Car insurance may cover you even when you’re behind the wheel of a rental.
Homeowners insurance or renters insurance will typically cover your personal items even in transit, meaning you may be able to file a claim for lost or stolen belongings.

Read your policies closely to understand what is and isn’t covered — but remember that these policies won’t cover things like hotel and airline costs if you have to cancel your trip or leave early.

Traveling without coverage

Insurance is always a gamble. Most of the time, you won’t need it. If you’re trying to save some money on your Disney World vacation, you could choose to skip travel insurance altogether. Even Wolfe says this may make sense for lower-cost trips.

Disney World travel insurance FAQs

You don’t have to purchase a Disney travel insurance plan for your Disney World vacation. You have the option to purchase travel insurance through a third party, and you may have certain coverages through other policies, including car and homeowners insurance .

The Disney Travel Protection Plan costs $95 per adult at Walt Disney World, $85 per adult at Disneyland and $99 per adult at Aulani. This flat rate includes children 17 and under.

The official Disney Travel Protection Plan includes the following:

Trip cancellation insurance .
Trip interruption coverage.
Trip delay coverage.
Baggage loss coverage.
Bag delay coverage.
Travel medical insurance .
Emergency evacuation/repatriation .
Accidental death and dismemberment.
Rental car damage coverage.
Worldwide emergency assistance.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Timothy Moore is a writer and editor covering personal finance, travel, autos, and home renovation. He's written financial advice for sites like LendEDU, LendingTree, Forbes Home and The Penny Hoarder; edited complex ROI analyses for B2B tech companies like Microsoft and Google; served as managing editor at a print magazine; led content creation for a digital marketing agency; and written for brands like Chime, Angi and SoFi.

Alyce Meserve is an experienced insurance, personal finance and travel writer. Alyce is a licensed insurance professional in life, health and property and casualty, and holds an Executive Certificate in Financial Planning from Duke University.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Travel Insurance

You can purchase a Travel Protection Plan for eligible trips any time prior to final payment. To purchase the Travel Protection Plan when making a new reservation, select “Add Travel Protection” at the time of booking. To add the plan to an existing reservation:

Go to the bottom of any page of Disneyworld.com and select “My Plans”.
Select “Change Reservation” next to your package reservation.
Scroll down to see if your trip is eligible for a Travel Protection Plan—if it is, “Add” will be available; if it is not, “Add” will be unavailable.
Select “Add” and follow the prompts.

The Travel Protection Plan is designed for and is available to US residents. Please view your state’s specific terms, conditions and exclusions at www.affinitytravelcert.com/docs/DSP01 .

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Cruise Line Insurance Plan Comparison

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Introduction to InsureMyTrip

Features of InsureMyTrip Platform

Purchasing and Managing Your Policy
How to File a Claim
Customer Service Experience and Usability
Why You Should Trust Us

InsureMyTrip Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Founded in 2000, InsureMyTrip is the first major travel insurance comparison site to hit the market. The company has served over 4 million customers and works with some of the best travel insurance companies to help travelers find the right coverage. Here's a closer look at what you need to know before using its comparison tools.

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Connects customers to a range of the most popular travel insurance providers
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Site prioritizes travel insurance providers by customer reviews
con icon Two crossed lines that form an 'X'. Site does not facilitate claims filing
con icon Two crossed lines that form an 'X'. InsureMyTrip customer service is limited
con icon Two crossed lines that form an 'X'. Company does not provide its own travel insurance packages

Introduction to InsureMyTrip

InsureMyTrip is a travel insurance broker, which means it doesn't offer its own travel insurance. Instead, InsureMyTrip lets you compare policies from 25 of the industry's best travel insurance companies to select the best coverage for your needs. You can also buy, manage, and cancel your insurance policy through InsureMyTrip.

InsureMyTrip also has a customer service team called Anytime Advocates, which can help you file or facilitate a claim. Having an extra set of eyes on your claim may help you receive a response faster than if you were to take on your travel insurance claims office on your own.

Even if you prefer to purchase an insurance policy directly from your provider, InsureMyTrip is worth a visit solely for their customer reviews. You can read reviews by specific plan and whether a claim was filed. This is a great feature in a travel insurance marketplace, getting honest insight into how well a company works.

When you InsureMyTrip, you'll be able to see all the plans that apply to your travel details and personal information. You can opt to only see the following policy types:

Comprehensive
International Medical
Medical Evacuation
Embassy Visa
Accidental Death

Once you obtain your list of quotes, you can opt to see limits and terms for specific coverages, such as trip cancellation, emergency medical, evacuation, and pre-existing condition coverage . You can also receive quotes on annual travel insurance policies, if you intend to go on more than one trip this year.

Here are some more terms that InsureMyTrip offers with its quotes.

Best Plans Guarantee

First, InsureMyTrip's Best Plans Guarantee ensures that only plans with multiple positive ratings and reviews are shown to its consumers. The company provides a forum to allow past customers to share their experiences with specific providers. The insurance providers get a grace period to collect enough reviews. After the grace period expires, the site's offerings are filtered based on the feedback received, with the highest-rated plans receiving the highest ratings.

In short, you're free to choose your travel insurance, but InsureMyTrip's site prioritizes the companies consistently performing well, making it easier to find travel insurance companies you'll love.

Price Guarantee

All travel insurance is regulated state by state. So as InsureMyTrip points out on its website, offering discounts on these products is illegal. With that in mind, the company promises to show you the lowest prices while remaining legally compliant, meaning you won't find a (legal) lower price anywhere else.

Money Back Guarantee

You can cancel your InsureMyTrip travel insurance plan during your review period and get your money back if you're unhappy. However, there are a few caveats to this one. First, the company clearly states that each cancellation and refund policy differs by the provider, and you'll likely be subject to those terms. In addition, some providers may charge an administrative fee, which is typically not eligible for a refund.

InsureMyTrip Travel Insurance Cost

The cost of travel insurance can vary widely depending on several factors, including the trip destination, trip duration, trip cost, the age of the travelers, the provider, the plan chosen, and any additional coverage options selected.

The average travel insurance plan costs 4-8% of your total trip cost. Like your flight tickets, hotels, etc., prices fluctuate depending on your location, time of year, and more. The best way to compare the average cost of travel insurance for your plans is by comparing quotes online.

Purchasing and Managing a Policy With InsureMyTrip

You can get a quote from InsureMyTrip's website by inputting the following information:

Destination
Travel Dates
Citizenship and Residence
Number of travelers and their ages
Trip details (taking a flight, cruise, renting a vacation home)

Once you're taken to the quotes page, you can compare policies and sort your search by price, popularity, and rating.

How to File a Claim with InsureMyTrip

You'll need to work directly with your insurance provider if you have to file a claim. However, InsureMyTrip makes it easy to access the correct contact information and claims forms.

You can find your provider's information by navigating to the "File a Claim" page on InsureMyTrip.com . Then, select your insurance provider and policy from the drop-down menu. Typically, InsureMyTrip will provide each insurer's phone number, emergency contact line, and mailing address. When available, it also lists email addresses and URLs for claims forms.

If you encounter any issues with your provider's claims process, you can email InsureMyTrip's Anytime Advocates at [email protected].

InsureMyTrip Customer Service Experience and Usability

InsureMyTrip received an average rating of 4.3 stars out of five from Google Maps reviews of its headquarters in Rhode Island. Most of the negative reviews of InsureMyTrip talk about a claims issue with their providers, which InsureMyTrip doesn't directly control.

InsureMyTrip regularly responds to negative reviews, offering phone numbers and emails that customers can call for help with their policies.

How InsureMyTrip Compares

Insuremytrip vs. squaremouth.

Squaremouth is one of the leading travel insurance aggregators, listing policies from 32 companies compared to InsureMyTrip's 25 companies. Squaremouth also lists options online for group travel insurance policies, which InsureMyTrip only quotes for when you call their customer service line.

Both InsureMyTrip and Squaremouth allow you to purchase, manage, and cancel a policy on their platforms. You'll have to file claims directly with your insurer, but both companies offer ways to facilitate customer claims. InsureMyTrip has an Anytime Advocates team, which can help customers with filing claims or facilitate an existing claim. Squaremouth has a Zero Complaint Guarantee, which promises that they'll act as a mediator if a customer feels that a claim was denied unfairly.

InsureMyTrip vs. VisitorsCoverage

InsureMyTrip's offerings are more comprehensive than VisitorsCoverage's, which offers policies from 15 travel insurance companies.

VisitorsCoverage does a better job summarizing policy terms, offering eligibility details like max trip length and age limits, which InsureMyTrip lacks. It also offers more search filters, allowing travelers to select search options for students studying abroad, business travelers, and U.S. green card holders. That said, VisitorsCoverage does not field customer reviews.

Read our VisistorsCoverage review here.

InsureMyTrip FAQs

Yes, InsureMyTrip offers travel protection insurance from 25 travel insurance companies, with search customizations like medical-only, Schengen Visa insurance, and AD&D insurance.

InsureMyTrip is very user-friendly, streamlining the insurance purchasing process and allowing travelers to compare all plans available for their trip.

While InsureMyTrip offers some search refinements, they do not offer a filter for adventure sports.

Yes, customer reviews often highlight InsureMyTrip's customer service as helpful and efficient in addressing questions and assisting with policy selection. Negative customer reviews often receive responses from InsureMyTrip's team, which will try to resolve lingering issues.

InsurInsureMyTripMyTrip offers the advantage of comparing multiple insurance plans from different providers in one place, simplifying the process of finding the best coverage for specific travel needs.

Why You Should Trust Us: How We Reviewed InsureMyTrip

When reviewing InsureMyTrip, we looked at its insurance partners and ran comparisons against other broker sites within the industry. We looked at the providers listed on its website, the assurances it offers, and customer reviews.

You can read more about how we rate travel insurance products here .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Travel Insurance and Rental Cars: What’s Covered?

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If you’re planning on renting a car while traveling, you’ll want to make sure that you’re covered with insurance. Most rental car companies offer some coverage at an extra cost, but these options tend to be expensive. But affordable rental car insurance is out there — it just takes some effort to coordinate.

Many general travel insurance policies offer rental car coverage either as part of their standard plans or as an add-on. Plus, you may have a credit card with rental car insurance already included .

Here's a look at how car rental travel insurance works, what it covers and other options for making sure you’re insured while on the road in a rented car.

Does travel insurance cover car rentals?

Yes, many travel insurance policies include some form of rental car coverage. If it’s not already included in your plan, there may be an option to customize coverage by adding rental car insurance.

Costs vary depending on the overall plan, the coverage limit of the rental car insurance and whether the insurance is primary or secondary.

Primary rental car coverage is the first entity to pay out; "secondary" means the insurance will only cover costs not already paid for by other policies. This is also known as car rental excess insurance, meaning that rental car excess insurance kicks in only after other coverage is exhausted.

If you own a car and have an insurance policy, check if you already have rental car coverage. In the U.S., personal car insurance tends to cover rentals.

» Learn more: Rental car insurance explained

Travel insurance on a rental car

When considering a specific travel insurance policy, comb through its plan documents to see what type of car rental coverage is included.

In general, rental car insurance provided by a travel insurance policy is limited. Unlike a personal car insurance policy or rental car insurance from a credit card, the plan likely won’t cover liability or medical expenses incurred in an accident.

» Learn more: How your credit card has you covered with rental car insurance

Travel insurance policies often offer a collision damage waiver (CDW), which means that the damage your vehicle sustains in an accident will be reimbursed. CDWs may also include coverage for theft.

Some policies exclude specialty vehicles from coverage, while others won’t insure you for cars rented in certain countries.

Of course, it’s also possible to opt for the insurance offered by the rental car company, which can be a hassle-free way to ensure that you don’t end up on the hook in case of an accident.

» Learn more: How to find the best travel insurance

Finding travel insurance with rental car coverage

To find a policy with rental car insurance, head to a travel insurance provider comparison sites like TravelInsurance.com or Squaremouth.

Here's a search on Squaremouth as an example.

First, input your travel information, including when you’re departing, where you’re going, age and state of residence.

Then, the search engine will create a list of all available policies, which can be filtered to those that include rental car insurance.

Note that the terms of each policy can differ, especially how much coverage you’ll receive for a rental car.

» Learn more: Declining rental car insurance abroad? Know the risks

Credit cards that offer travel insurance with rental car coverage

To get rental car insurance while traveling, you may first want to check your credit cards. Many credit cards offer complimentary rental car insurance for bookings charged to that card.

You’ll find this benefit on a variety of cards, including travel credit cards and cash back credit cards. Here are some options:

on Chase's website

on Bilt's website

Primary rental car coverage with reimbursement up to $75,000.

Primary auto damage collision damage waiver. New York residents are eligible only for secondary coverage.

Primary rental car coverage up to the cash value of most rental vehicles.

Primary coverage when renting for business purposes with reimbursement up to the actual cash value of most rental vehicles.

Travel insurance and rental cars recapped

It makes sense to look for a travel insurance policy that also covers a rental car, especially if you’re driving somewhere unfamiliar.

While it’s possible to purchase the insurance plans offered by the rental car company, these tend to be overpriced and overkill for many drivers. Instead, you could consider a travel insurance plan with included rental car coverage, which means you won't have to without needing to make an additional purchase.

Also, check out any personal auto insurance policy you already have to see if it has provisions for rental cars. And before you settle on buying a travel insurance policy, double-check if a credit card you already have offers complimentary rental car insurance.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

FinanceBuzz

8 Reasons It’s Worth It To Buy Travel Insurance (And 6 Times To Skip It)

Posted: July 12, 2023 | Last updated: April 7, 2024

<p> Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home. </p> <p> Travel insurance can help you <a href="https://financebuzz.com/seniors-throw-money-away-tp?utm_source=msn&utm_medium=feed&synd_slide=1&synd_postid=12377&synd_backlink_title=avoid+wasting+money&synd_backlink_position=1&synd_slug=seniors-throw-money-away-tp">avoid wasting money</a> if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons. </p> <p> However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.</p><p> <a href="https://financebuzz.com/top-travel-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=1&synd_postid=12377&synd_backlink_title=Compare+the+best+travel+credit+cards+for+nearly+free+travel&synd_backlink_position=2&synd_slug=top-travel-credit-cards">Compare the best travel credit cards for nearly free travel</a> </p>

Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home.

Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons.

However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.

Compare the best travel credit cards for nearly free travel

Safety net for international travel

The number one reason people buy travel insurance is to cover an expensive trip. And if you’re traveling overseas, chances are your travels will cost a lot of money.

In addition, there are potential complications when it comes to international travel, from losing luggage during connecting flights, missed or canceled flights, sickness, and more.

And if something catastrophic happens in a foreign country, travel insurance provides evacuation so you can get home safely.

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Medical coverage

Getting sick or injured is unpleasant enough when you’re in the comfort of your home, but it’s a new beast entirely when you’re abroad.

Generally, you can expect basic medical expenses to be covered through your travel plan, often including dental. Medicare will not cover medical expenses in a foreign country. If you’re traveling overseas, travel insurance for potential medical costs is worthwhile.

<p> Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers. </p> <p> Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move. </p> <p> Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.</p><p> <p><a href="https://financebuzz.com/southwest-booking-secrets-55mp?utm_source=msn&utm_medium=feed&synd_slide=4&synd_postid=12377&synd_backlink_title=7+Nearly+Secret+Things+to+Do+If+You+Fly+Southwest&synd_backlink_position=4&synd_slug=southwest-booking-secrets-55mp">7 Nearly Secret Things to Do If You Fly Southwest</a></p> </p>

Cover rental car mishaps

Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers.

Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move.

Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.

7 Nearly Secret Things to Do If You Fly Southwest

<p> Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue. </p> <p> Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications. </p>

Pre-existing conditions often aren’t covered

Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue.

Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications.

<p> A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process. </p> <p> Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage. </p>

Protect lost luggage

A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process.

Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage.

<p>You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear. </p> <p> You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel. </p> <p> Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.</p><p> <p class=""><a href="https://financebuzz.com/top-no-interest-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=7&synd_postid=12377&synd_backlink_title=Pay+no+interest+until+nearly+2025+with+these+credit+cards&synd_backlink_position=5&synd_slug=top-no-interest-credit-cards">Pay no interest until nearly 2025 with these credit cards</a></p> </p>

Cover valuable items and gear

You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear.

You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel.

Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.

Pay no interest until nearly 2025 with these credit cards

<p> While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans. </p> <p> If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees. </p>

Emergencies happen

While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans.

If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees.

Natural disaster coverage

Are you planning a fall trip to the Gulf Coast or Florida? Consider your travel destination and the time of year you're going.

If you’re visiting someplace prone to natural disasters, especially seasonal occurrences like tornadoes, hurricanes, wildfires, and such, travel insurance can help you recoup your money should these events interrupt your travel plans.

Similarly, if a natural disaster occurs during your trip, often, insurance will pay to move you to a more secure location.

<p>Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits. </p> <p> Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.</p><p> <p class=""><a href="https://financebuzz.com/top-cash-back-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=10&synd_postid=12377&synd_backlink_title=Earn+up+to+5%25+cash+back+when+you+shop+with+these+leading+credit+cards&synd_backlink_position=6&synd_slug=top-cash-back-credit-cards">Earn up to 5% cash back when you shop with these leading credit cards</a></p> </p>

Extreme adventures may not be covered

Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits.

Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.

Earn up to 5% cash back when you shop with these leading credit cards

Shaky travel companies

If you booked your trip through a travel company and it goes bankrupt, travel insurance may provide a safety net to ensure you get your money back.

Airlines, cruise ships, travel companies, and other travel-related businesses suffered during the pandemic, and many may not be on solid financial ground yet.

This may not be covered in a basic insurance plan, so make sure your agent adds financial default coverage if you are concerned about the health of your travel provider.

In the situation any company or organization closes or is otherwise inoperable during your trip, you’ll be covered.

Now let’s look at times you may not need travel insurance.

<p> Before purchasing travel insurance, consider which credit card you have. Many of the <a href="https://financebuzz.com/top-travel-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=12&synd_postid=12377&synd_backlink_title=top+credit+cards&synd_backlink_position=7&synd_slug=top-travel-credit-cards">top credit cards</a> offer travel protections. </p> <p> Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation. </p> <p> Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option. </p>

Your credit card offers travel protections

Before purchasing travel insurance, consider which credit card you have. Many of the top credit cards offer travel protections.

Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation.

Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option.

<p> If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide. </p> <p> Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it. </p> <p> One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.</p><p> <p class=""><a href="https://financebuzz.com/top-signs-of-financial-fitness?utm_source=msn&utm_medium=feed&synd_slide=13&synd_postid=12377&synd_backlink_title=5+Signs+You%E2%80%99re+Doing+Better+Financially+Than+the+Average+American&synd_backlink_position=8&synd_slug=top-signs-of-financial-fitness-2">5 Signs You’re Doing Better Financially Than the Average American</a></p> </p>

You have a domestic trip

If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide.

Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it.

One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.

5 Signs You’re Doing Better Financially Than the Average American

<p> Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive. </p> <p> In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on. </p><p>Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back. </p>

Don’t add expense to cheap trips

Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive.

In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on.

Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back.

<p> If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now. </p> <p> Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance. </p>

The airline has a flexible rebooking policy

If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now.

Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance.

<p> One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs. </p> <p> Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations. </p> <p> Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.</p><p> <p class=""><a href="https://financebuzz.com/recession-coming-55mp?utm_source=msn&utm_medium=feed&synd_slide=16&synd_postid=12377&synd_backlink_title=9+Things+You+Must+Do+Before+The+Next+Recession&synd_backlink_position=9&synd_slug=recession-coming-55mp">9 Things You Must Do Before The Next Recession</a></p> </p>

Insurance will not cover political unrest

One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs.

Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations.

Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.

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<p> Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable. </p> <p> If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise. </p> <p> Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival. </p>

Your hotel may cover cancellations

Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable.

If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise.

Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival.

$ Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money. Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to <a href="https://financebuzz.com/ways-to-make-extra-money?utm_source=msn&utm_medium=feed&synd_slide=18&synd_postid=12377&synd_backlink_title=make+extra+cash&synd_backlink_position=10&synd_slug=ways-to-make-extra-money">make extra cash</a> for travel funds. More from FinanceBuzz: <ul> <li><a href="https://www.financebuzz.com/supplement-income-55mp?utm_source=msn&utm_medium=feed&synd_slide=18&synd_postid=12377&synd_backlink_title=7+things+to+do+if+you%E2%80%99re+barely+scraping+by+financially.&synd_backlink_position=11&synd_slug=supplement-income-55mp">7 things to do if you’re barely scraping by financially.</a></li> <li><a href="https://financebuzz.com/ways-to-make-extra-money?utm_source=msn&utm_medium=feed&synd_slide=18&synd_postid=12377&synd_backlink_title=12+legit+ways+to+earn+extra+cash.&synd_backlink_position=12&synd_slug=ways-to-make-extra-money">12 legit ways to earn extra cash.</a></li> <li><a href="https://r.financebuzz.com/aff_c?source=%2Fshould-you-buy-travel-insurance&offer_id=16866&aff_id=1006&aff_sub=msn&aff_sub2=&aff_sub3=&aff_sub4=feed&aff_sub5={impressionid}&aff_click_id=&aff_unique1={aff_unique1}&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5={aff_unique5}&rendered_slug=/should-you-buy-travel-insurance&contentblockid=984&contentblockversionid=16460&ml_sort_id=&sorted_item_id=&widget_type=&cms_offer_id=637&keywords=&synd_slide=18&synd_postid=12377&synd_backlink_title=Can+you+retire+early%3F+Take+this+quiz+and+find+out.&synd_backlink_position=13" rel="nofollow">Can you retire early? Take this quiz and find out.</a></li> <li><a href="https://financebuzz.com/extra-newsletter-signup-testimonials-synd?utm_source=msn&utm_medium=feed&synd_slide=18&synd_postid=12377&synd_backlink_title=9+simple+ways+to+make+up+to+an+extra+%24200%2Fday&synd_backlink_position=14&synd_slug=extra-newsletter-signup-testimonials-synd">9 simple ways to make up to an extra $200/day</a></li> </ul> $

Bottom line

Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money.

Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to make extra cash for travel funds.

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IMAGES

UPDATED: Disney Cruise Insurance? Yes or No? (2021 Edition)
How to Book Disney Cruise Insurance in 5 Minutes
Do you NEED trip insurance for your Disney Cruise?
How Much Is The Disney Cruise Insurance
UPDATED: Disney Cruise Insurance? Yes or No? (2021 Edition)
Disney Cruise Line Insurance Costs & Things to Know

COMMENTS

Disney Cruise Line Vacation Protection Plan
This benefit is provided by Disney Cruise Line. Travel Insurance - Underwritten by Arch Insurance Company. The insurer will reimburse up to the following limits: Benefit Coverage Details; Trip Cancellation and Trip Interruption: Up to total trip cost ($20,000 limit) if you cancel or interrupt due to sickness, injury, death and other covered ...
Travel Insurance and Vacation Protection
For assistance with your Disney Cruise, please call (800) 951-3532. Monday through Friday, 8:00 AM to 10:00 PM Eastern time; Saturday and Sunday, 9:00 AM to 8:00 PM Eastern time. Guests under 18 years of age must have parent or guardian permission to call. Should I buy Disney Cruise Line travel insurance? We strongly recommend the purchase of ...
UPDATED: Disney Cruise Insurance? Yes or No? (2021 Edition)
Essentially, this is the question we're asking ourselves when deciding whether or not to purchase cruise travel insurance for a Disney Cruise. (Or Aulani vacation .) For me, the answer is no. Disney Cruises are expensive. I'm not willing to gamble the money I'm spending on this dream vacation. But everyone is different.
PDF Vacation Protection PLan
Travel insurance is underwritten by Transamerica Casualty Insurance Company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise ... Disney Cruise Line Vacation Protection Plan includes travel insurance benefits, a 24-hour helpline and a Cancel for Any Reason cruise credit feature. Below is a brief summary of what is included in the plan:
Disney Travel Insurance: Is It Worth It?
Disney travel insurance has a flat fee: $82.50 per adult and $6 per child. That's a great deal if your trip is expensive, not so much if you're on a budget. Coverage is relatively limited. Most ...
Travel Insurance for Disney Trips & Vacations
As of August 2021, unvaccinated guests 12 years of age and older who depart on a cruise out of Florida through the end of 2021 will have to show proof of travel insurance with at least $10,000 per person in medical expense coverage and $30,000 in coverage for emergency medical evacuation with no COVID-19 exclusions.
PDF Vacation Protection Plan
Disney Cruise Line Cast and Crew If you purchase the Vacation Protection Plan and cancel your vacation for any reason not covered by the insurance plan, Disney Cruise Line will credit 100% of the non-refundable cancellation fee toward a future Disney Cruise Line vacation. Disney Cruise Line
Disney Cruise Travel Insurance
What Disney Cruise Travel Insurance Includes. The Disney Protection Plan is a basic policy covering Trip Cancellation and Trip Interruption (up to $10,000 maximum trip cost), $10,000 for medical coverage and $30,000 for medical evacuation. The plan also comes with a Cancel For Any Reason (CFAR) benefit which will provide a 75% future cruise ...
PDF Disney Cruise Line Vacation Protection Plan
Cancel For Any Reason Credit Feature Provided by Disney Cruise Line. In the event you choose to cancel for a non-insured reason at any time up until departure and you have purchased the Disney Cruise Line Vacation Protection Plan, you will receive a Disney Cruise Line cruise credit equal to 75% of the paid non-refundable cancellation fees ...
Vacation Protection Plan
Add the Adventures by Disney Vacation Protection Plan to Your Reservation. It's easy to include the Vacation Protection Plan in your vacation planning. Just make a phone call to learn more and purchase. Important Details (apply for Adventures by Disney Vacation Protection Plan):. If you make a payment for your plan within 14 days of your initial booking deposit, the pre-existing condition ...
10 Frequently Asked Questions About Travel Insurance for Your Disney
Disney's insurance plan will give you back 75% of your non-refundable cost back in the form of a future cruise credit if you cancel for a reason that's not covered and thus not entitled to a full refund. In my opinion, it's the number one reason to get insurance through Disney. 8.
Cruise Travel Insurance: Is It Worth the Cost?
Disney Cruise Line Vacation Protection Plan. $2,356. ... One benefit that cruise travel insurance policies offer that credit cards don't is the ability to cancel for any reason. Although you may ...
Travel Insurance
Disney Vacation Club Members can purchase travel insurance through Travelex Insurance Services, with coverage designed specifically for Members. ... Consumers in Maryland may contact: Maryland Insurance Administration 800.492.6116 or 410.468.2340. Travel insurance is underwritten by Berkshire Hathaway Specialty Insurance Company; NAIC #22276. ...
Disney Cruise Line Updates Concierge Level Vacation Protection Plan
It's good to remember too that as of Feb. 3, 2021, Disney Cruise Line has begun to enforce the existing cancellation policy regarding the Vacation Protection Plan. The policy establishes that once the Vacation Protection Plan has been paid in full, it will no longer be refundable, with the exception of a "10-day look-back period" post ...
Travel Protection Plan & Travel Insurance
You may also add the Travel Protection Plan to your reservation by calling Walt Disney World Resort at (407) 939-5277. However, due to a high volume of calls, you might experience delays. Guests under 18 years of age must have parent or guardian permission to call. The Travel Protection Plan is designed for and is available to US residents.
The Ultimate Guide to Disney Cruise Health Insurance: Key Tips and
VPP, or Vacation Protection Plan, is a comprehensive insurance option offered by Disney Cruise Line that provides peace of mind and coverage for unexpected events during your cruise vacation. This plan includes trip cancellation and interruption coverage, as well as coverage for medical expenses, emergency medical transportation, and baggage ...
Best Travel Insurance for Your Disney World Trip
Generally speaking, travel insurance from Disney for its cruises will set you back 8% of the voyage fare per guest. This is well over the industry average cost of travel insurance, which sits at 5-6%.
Benefits of Disney Travel Insurance
The Travel Protection Plan provides coverage if you cancel or interrupt your Walt Disney World, Disneyland or Aulani, a Disney Resort and Spa package for covered reasons described in the plan such as illness or injury. ... Travel insurance benefits are underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC ...
PDF Vacation Insurance
Insurance Beneﬁ ts are underwritten by BCS Insurance Company. Plan administered by World Access Service Corp. For Emergency Assistance, Call Toll Free 1-800-654-1908 Collect 1-804-281-5700 To File a Claim or for Program Questions, Please Call 1-800-573-5665 and Refer to the Disney Cruise Line® Vacation Protection Plan (Product ID# 001000287).
Disney Travel Insurance Explained
Emergency medical protection. The Disney policy provides up to $25,000 of coverage for an illness or injury sustained while traveling. Luggage delay. If your airline loses your luggage and it's ...
Best Travel Insurance For A Disney World Vacation In 2024
The Travel Protection Plan through Disney costs $95 per adult for Walt Disney World vacations. Children 17 and under are included in the per-adult price. Coverage for Disneyland trips is slightly ...
Do you have to have the Travel Protection pla...
You do not need travel insurance to modify your reservation. Making a change could result in additional fees or fare differences whether you have travel insurance or not, though. If you have a policy, you will need to review it to determine the type of coverage you have because they differ. If you have specific questions, I suggest you speak ...
Travel Protection Plan & Travel Insurance
You may also add the Travel Protection Plan to your reservation by calling Walt Disney World Resort at (407) 939-5277. However, due to a high volume of calls, you might experience delays. Guests under 18 years of age must have parent or guardian permission to call. The Travel Protection Plan is designed for and is available to US residents.
Cruise Line Insurance Plan Comparison
Similar to the other cruise travel insurance plans, Disney Cruise Line's Vacation Protection Plan allows travelers to cancel their trip for a non-covered reason. They'll then receive 75% of the cancellation fee amount to use toward a voyage over the next year. Disney also offers 24/7 global assistance, which is a must-have for travelers ...
InsureMyTrip Travel Insurance Review 2024
The average travel insurance plan costs 4-8% of your total trip cost. Like your flight tickets, hotels, etc., prices fluctuate depending on your location, time of year, and more. The best way to ...
Travel Insurance and Rental Cars: What's Covered?
Yes, many travel insurance policies include some form of rental car coverage. If it's not already included in your plan, there may be an option to customize coverage by adding rental car ...
8 Reasons It's Worth It To Buy Travel Insurance (And 6 Times To ...
The number one reason people buy travel insurance is to cover an expensive trip. And if you're traveling overseas, chances are your travels will cost a lot of money. In addition, there are ...

Disney Cruise Travel Insurance

Disney Cruise Insurance

There's a 17% chance you'll need it*

You're spending $5000 or more on your Disney Cruise. Are you willing to gamble this money?

Why? What Could Go Wrong?

Travel Can Bring the Unexpected

How Your Disney Cruise Could Be Messed Up

You Miss the Boat

You Have to Cancel

You Get Hurt

You Lose Your Bags

Breakdown of Claims: Why People are Using Trip Insurance

Trip Cancellation: 40% of Claims

Bad Weather

Airline Delay

Death, injury or illness

Car Trouble or Accident

Home is damaged

Court appearance

Divorce or Pregnancy

Trip Delays & Interruptions: 37% of Claims

Natural Disaster

Illness or injury

Attack, Assault, Robbery

Job or Money Problems

Labor Strike

Trip Provider Bankruptcy

Medical Expense: 13% of Claims

Hospitalization

Return of Remains

Lost or Delayed Baggage: 9% of Claims

VIDEO: How to Book Disney Cruise Insurance in 5 Minutes

Your Domestic Health Insurance Will Cover Medical Emergencies Abroad

You're Comfortable with Risk of Lost Luggage

You're Okay with Losing Any Amount of Money

What Travel Insurance Should I Choose?

Don't Stress! I'll Give You a Place to Start

Comprehensive

Here...let me make it simple

Disney Cruise Vacation Protection Plan

Convenience

Flights not covered

More expensive

No pre-existing conditions

Allianz Global Assistance OneTrip Prime Plan

Kids are free

Better coverages

Half the cost

Pre-existing conditions

Umm...it's not Disney?

What's Covered? Comparison

Why I Chose Allianz Global Assistance

GET A FREE (AND QUICK) QUOTE

Understand Your Disney Cruise Cancellation Insurance Policy

Can I Change My Mind?

How to Make an Travel Insurance Claim

Doctor Support

Keep All Documents

Pin For Later

Quick Quote

Disney Cruise Travel Insurance - 2024 Review

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Our Cruise – 3-Night Bahamian Cruise

What Disney Cruise Travel Insurance Includes

Comparison Quotes

Cost Comparison

Trip Cancellation

Trip Interruption

Cancel For Any Reason

Medical Insurance for Emergency Treatment

Emergency Medical Evacuation

Pre-existing Medical Conditions

Price and Value

Recent AARDY Travel Insurance Customer Reviews

Judy Bauercustomer

Miranda was a very capable…

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10 Frequently Asked Questions About Travel Insurance for Your Disney Cruise

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