Do I Really Need Travel Insurance For Disney World
Travel insurance, like any insurance, is one of those things you buy and may never use. However, for the peace of mind travel insurance may just be worth it. Read more about what Disneys Travel Protection Plan covers and questions to consider before purchasing travel insurance.
Guests with packages through Walt Disney World, Disneyland Resort and Aulani, A Disney Resort have the option to purchase a Travel Protection Plan. The Travel Protection Plan costs $77.50 per adult and no additional charge for children when all adults in group add it. Guests can also choose to purchase travel insurance from their own source. If you do purchase on your own, be sure to read through all fine print and know what is covered.
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Do You Need Travel Insurance For A Disney World Vacation
Its a personal decision as to whether or not you need travel insurance for a Disney World vacation. As with any scheduled event you have invested thousands of dollars into its not a bad idea to look into insurance. For some their vacation is affected due to weather, others it may be a loss of employment, a death in the family, a sudden illness or another major life impacting event. Having to delay or cancel a Disney vacation can be very costly. While I have heard some amazing stories of how Disney has helped families during these times of crisis, these acts of generosity are never guaranteed and the Disney Cast Members can only act within their means.
I know travel insurance for a Disney vacation can seem like just one more expense but before you decided you should read over why you may end up needing insurance and what travel insurance options are available to you when traveling to Disney World.
Note: Disney cancellation fee only applies if you cancel. If you postpone the trip to later dates the money you paid will just be applied to the later dates.
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Disney World Travel Insurance: Is It Worth It
Nothing dampens a Disney trip idea more than having to cancel it because of a last-minute emergency, and whats more, with a penalty! However, Disney World travel insurance can save you the trouble of worrying about such scenarios.
Travel insurance is one of those things you buy but may never use. However, for peace of mind, it is well worth it.
Walt Disney World may be the Most Magical Place on Earth, but even there you can run into problems. The idea isnt to be pessimistic but to think ahead.
Pre-planning for a troublesome situation will not only save you lots of bucks, it also provide an immediate solution.
So, lets talk about Disney World travel insurance in detail.
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When Is Disney Travel Insurance Worth It
Given the uncertainty of travel these days, even a quick weekend getaway should have some degree of insurance. But you might not need to pay for Disneys travel insurance.
As long as youre OK with your theme park tickets not being insured, the travel insurance offered through many credit cards is likely a better bet, and might not cost you anything once you hold the card. If you really want to ensure coverage, paying for a Cancel For Any Reason might be even better.
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Cancel For Any Reason Coverage
A cancel for any reason policy costs more than regular travel insurance . You can cancel the vacation and receive part of your prepaid, nonrefundable trip costs back . Youre not tied to canceling only because of one of the reasons listed in a policy.
Do you need it? Consider that Disney lets you cancel for a full refund up to 30 days before your reservation. If youre within two to 29 days of the trip, theres a $200 cancellation fee but the rest of your package is refunded. If you cancel one day or less before the trip, then youre on the hook for the full price and wont get a refund.
If you have non-refundable plane tickets, check with the airline. Many have extended rebooking policies due to COVID-19, so you may find you have some leeway.
So if your main concern is only the one-day window before the trip, buying coverage may be a bad bet, unless you have other high-price non-refundable elements of your vacation.
Cancel For Any Reason Protection
Perhaps an uptick in COVID-19 instances has you contemplating travel. Or possibly an damage is stopping you from travel, however you dont have a health care providers word to show it. Given the restricted variety of causes that qualify for protection, you is perhaps higher off with Cancel For Any Reason protection, which covers you regardless of why you cancel.
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Do I Need Disney World Travel Insurance
After all, what could go wrong at the most magical place? This is a common question that pops up in everyones mind, even mine when thinking of getting insured for any major trip.
Most likely, youve already traveled to a lot of places without getting into insurance, then whats the big deal now?
At the time when the article is being published, the answer could be pandemic. But, what about later? Will you still need insurance once this lethal smoke screen fades away for good?
The answer is mostly yes.
Travel insurance is optional and might even seem like yet another expense, but there are several reasons why it could be a good idea to buy it. Some of them include:
- Cancellation of your flight
- Last-minute need to cancel the Disney reservations
- Loss of baggage
- Sickness or injury on the trip
Disney is indeed known to show compassion towards the last-minute cancellation emergencies. They make bookings flexible and re-adjustable. But there is no guarantee that this is what will happen for you.
Thats when the insurance will come to the rescue.
Get Reimbursed For A Canceled Theme Park Trip
One of the most common reasons people consider travel insurance is the worry that they may have to cancel their trip and lose money theyve already paid for it. This is especially important for theme park trips, since the tickets and other activities can cost so much and are often paid for in advance.
If you fly to Florida, make plane reservations far ahead of time, buy all your tickets in advance, pay for hotel reservations before you leave, and make rental car arrangements before you leave, you have a lot more to lose if you cancel your trip.
If, on the other hand, you drive down to Florida in your own car, dont buy tickets in advance and dont make hotel reservations, figuring youll handle all that as it comes, you wont have many prepaid costs that you could lose if you dont take the trip.
But thats not all there is to travel insurance. So far, weve only discussed whether you can be reimbursed for the cost of your trip if you have to cancel or interrupt it for a covered reason. Theres actually a lot more to travel insurance that can come into play on a theme park vacation.
Also read: Why to Get Road Trip Insurance
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How A Lot Does Disney Journey Insurance Coverage Price
Whereas Disney would not straight set its costs, a NerdWallet evaluation of assorted journey packages discovered that it prices a flat price of $82.50 per grownup and $6 per baby.
Flat-rate journey insurance coverage might be good for very costly journeys, however a foul deal for price range journey.
Take a seven-night keep throughout Christmas week 2022 for a household of 4 at Disneys opulent Grand Floridian Resort & Spa. E book it along with six-day theme park tickets with all of the add-ons, like water park admission, and you may pay about $12,000. Including journey insurance coverage would price $177, which is 1.four% of your complete price.
However as an instance you deliberate a visit in late September when the youngsters return to highschool as a substitute. Two adults can keep at Disneys All-Star Motion pictures Resort with fundamental two-day tickets for simply $850. Including Disney insurance coverage would improve the price of your bundle to over $1,000, which is an total value improve of virtually 20%.
Journey insurance coverage that represents only one.four% of the full price of your journey is an effective deal, however 20% is much from it. In any case, most journey insurance coverage prices between four% and eight% of the full journey, in accordance with the US Journey Insurance coverage Affiliation.
What If My Job Prevents My Family From Going To Disney World
If your job often has last-minute emergencies, you might be worried about having to cancel your Disney trip last-minute. Jonathan Breeze, CEO of the travel insurance site Aardy, notes that most Disney visitors are working age. As such, they are taking a work-approved vacation, he adds. And while canceled vacations are rare, it does happen.
He recommends looking at a policy with cancel for work reasons built in. That way, if an employer forces you to cancel your vacation last-minute, youll be covered.
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Disney World Trips Cut Short
If you need to cut your trip short and return home for a reason covered by the policylike a life-threatening illness to your mother at homeyour travel insurance policy can cover the cost of a return flight and reimburse you for any unused, non-refundable and pre-paid trip deposits.
For example, if you pre-paid for a hotel suite and its non-refundable, your travel insurance policy can reimburse you for what could total thousands of dollars.
Disney Cruise Line Insurance Information Dreams Unlimited
Disney Cruise Line Insurance Information. When planning a Disney Cruise Line vacation, the only thing you will want to worry about is which suntan lotion to
Weekly Pay. Cast members are paid on a weekly basis. · Health Insurance. Affordable health insurance options, such as medical, dental and vision coverage, may be
Jul 31, 2020 Disney offers their own version of travel insurance. Whenever you are booking a Disneyland or Disney World vacation, you have the option of
Provided by The Walt Disney World Travel Company, Aon Affinity travel insurance is easily accessible to work into your vacation package when planning.
This plan provides cancellation coverage for your trip and other insurance coverages that apply only during the covered trip. You may have.1 page
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Dining On A Disney Cruise
The Disney dining experience is famous and most onboard experiences are included in the cost of your cruise. Passengers have the option of upgrading to specialty dining options which vary depending upon the ship and specific offerings of that cruise.
If you have been on cruises before you know that you may have to sit with other parties while dining. If you prefer to eat alone, Disney may be able to accommodate your request. While this is not guaranteed, it is advisable to contact Disney Cruise Line prior to your departure so they may note your reservation, and check with the main dining room again once onboard the ship. However, many passengers have found the shared dining space to be a rewarding and interesting experience that allows you to meet new people and enjoy the company of others.
Reasons To Get Disney Travel Insurance
Flat-rate travel insurance, as Disney offers, is pretty rare. Most policies are priced based on factors including the length of your trip, your destination and the age of the policyholder.
Heres why it might make a good deal:
Flat-rate pricing is better for more expensive trips: If a costly trip is going to result in equally costly travel insurance, opting for flat-rate pricing is smart. And its not just a fancy hotel and Disney theme park tickets with all the add-ons like front-of-theline passes. Factor in other nonrefundable trip elements, such as airfare and pre-paid rental cars. If youre flying first class, or youre hit with rising rental car prices, then flat-rate insurance is especially appealing.
Youre an older adult: Travel insurance costs are based on risk, and insurance is more expensive for older travelers, who are more likely to experience health problems, according to Allianz Travel Insurance.
Because Disneys only age differentiator is child versus adult, its plan might be cheaper for older adults versus going with an independent insurer.
Because of the high cost of Disney tickets , you likely want to be covered for those too.
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What If My Visa Gets Rejected And I Already Have Travel Insurance
In this case, you will want to cancel the travel insurance policy itself because you did not take the trip. It should also be possible.
To apply for the cancellation of the policy altogether, you will need to submit the policy, copy of passport, and a cover letter explaining the trip was canceled due to denial of visa.
Disneys Travel Protection Plan
Disneys Travel Protection Plan is the insurance policy that Disney offers to guests purchasing Walt Disney World vacation packages.
Much like auto and life insurance, one of the factors that goes into the pricing of insurance is age.
And, for people ages 70 and over, theyll often find that Disneys Travel Protection Plan will give them the best value.
So, if you are considering adding insurance to a trip and you have somebody in your room who is 70+, youll probably want to give Disneys insurance a second look.
Another nice thing to know about Disneys insurance is that it is easy to purchase since it is an option when you book a vacation. And if you prefer to wait, you can easily add it all the way up until your final payment.
That means you can hold off on purchasing it until later, which is something we recommend you do if you dont have a pre-existing condition .
If you are familiar at all with Disney technology, youll know that it can be a little, well, glitchy.
And those glitches always happen at the most frustrating times, like when a new promotion or discount drops and you want to modify your reservation to save some money.
One of the common reasons for guests not being able to modify a reservation online is having an extra component, like Memory Maker or travel insurance, attached to the package.
Another significant con to consider is that you cant use Disneys Travel Protection for Room Only reservations. It can only be added to packages.
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Insurance Doesnt Cover Fears
Unfortunately, insurance polices dont cover the cancellation of a trip over fear even when the fear is totally justified.
That is why before you select any insurance you need to understand exactly what your coverage will and will not cover.
Pore over the specific requirements for pre-existing conditions.
Understand what Cancel for Any Reason and Trip Interruption really means for your policy.
Never, ever, EVER assume that all components of your vacation are covered.
Insurance can be a great way to protect your travel investment, but it isnt helpful to assume that things will be covered when they really arent.
There are a tons of different insurance companies out there and it is impossible for us to speak to each one individually.
But, while we cant go policy-by-policy on exactly what you get, we can give our first-hand experiences with 2 that we have used extensively: Disneys Travel Protection Plan and Travel Insured.
Heres some things to know about each.
What Does Travel Insurance Cover For My Trip To Disney
Depending on the type of plan you purchase, coverage options will vary. Comprehensive travel insurance plans are popular for Disney trips, and while many may include specialty coverages that set them apart from the rest, all comprehensive plans have a core set of coverages. Its these core aspects of the plans that protect travelers from their driveway, to their destination, and then back home. These common core coverages include medical coverage, emergency evacuation, baggage coverage, trip cancellation, and trip interruption coverage.
These core coverages in comprehensive plans are not the only coverages you should consider. The entire plan is important. Some comprehensive plans offer additional coverage, such as rental car damage or financial default. Many plans have optional benefits you can add-on for additional premium like Cancel for Any Reason or a pre-existing condition waiver but these can be time-sensitive to the date of your first trip payment.
For those planning to take a Disney Cruise, cruise insurance is a specialized type of comprehensive plan specific to the unique multi-leg nature of traveling by cruise ship.
For travelers concerned specifically with trip cancellation, Cancel for Any Reason is the coverage option available for new travel insurance policies to cover trip cancellation due to coronavirus fears. This optional benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.
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