Friday, June 24, 2022

How Much Is Travel Insurance For Disney World

Making A Disney Cruise Line Reservation

How Much a Disney World Vacation Really Costs | Budget

Of course, you can call Disney Cruise Line directly for your reservations, but we recommend Dreams Unlimited Travel . Dreams Unlimited Travel has many unique programs for Disney Cruise Line guests. Most importantly, Dreams will constantly check for better rates and specials to lower your vacations overall cost. For example, if you make your reservation now, and in a month, a new promotion becomes available, Dreams Unlimited Travel will work to convert that reservation to the new program . While it cant be guaranteed with every reservation, its not an unusual occurrence when it happens. Also, Dreams will run special promotions regularly. Check the Disney Cruise Line Specials page to see what promotions are currently being offered. For more information on Dreams Unlimited Travel, .

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.

How Much Is Travel Insurance For My Disney Vacation

Travel insurance is not one-size-fits-all, so the price and conditions of a plan will vary. Common travel insurance factors include the number of travelers, age of the travelers, length of coverage, and type of coverage being purchased. We recommend answering a few questions about your trip as the best way to identify the options available to you and the associated cost.

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Travel Insurance Options Through Disney

Disney sells trip insurance, but for most trips, its more expensive and usually more restrictive than going through another company. For the Walt Disney World Resort, the cost of the insurance is $77.50 per adult over 18. Minors are covered automatically if adults have purchased insurance. Additionally, Disney trip insurance only covers the cost of the Disney portion of your trip . So if you do anything else on your trip, such as visit another theme park, buy tickets to an offsite event, those arent covered. With a third-party policy, you can cover all potential costs of the entire trip, from any providers, with one policy. You can almost always get better insurance than Disney provides, and at better rates, by buying it elsewhere.

Insurance through Disney can be a good deal if you are booking a very expensive trip. This is because Disneys insurance charges at a flat rate per adult . Third-party plans have a variable charge based on the total cost of your trip and the ages of the adults. The break-even point for a family with two 30-year old adults is roughly a trip total of $8,000-$12,000, depending on which insurance plan you choose and what coverages you want. So if youre staying in a Polynesian Bungalow room for 10 nights, Disneys travel insurance is an incredible steal. For most trips, though, we recommend third-party insurance.

Do You Need Travel Insurance For A Disney World Vacation

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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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What Is There To Do On A Disney Cruise

Disney is perhaps even more famous for its entertainment options than its food, and the Disney Cruise Line absolutely delivers with its robust entertainment options. Each night, passengers receive a schedule for the following days activities. There are usually a few different activity lists – one list for families, one for adults, one for each of the kids’ clubs.

Some activities include the classic entertainment options of bingo, poolside games, mixology classes, how to make paper airplanes, Broadway shows, movies in the theater, and so many more. Just like the Disney parks, one of the highlights is the opportunity to meet and greet Disney characters. This is an exciting part of the day, especially for the children. Lines may form, they may be long, but the character interaction is often well worth the wait.

Should I Buy The Disney Travel Insurance

Disney travel insurance is provided by Travelex, and can be purchased up until the final nonrefundable payment on the vacation is made.

Here is a table of the coverage provided by the Disney Travelex program:


Heres the fine print.

We recommend comparing Disney travel insurance to other provider prices before making the purchase.

You should also wait until you are ready to submit your last payment before adding it to your trip.

As soon as you add it, you will be charged, and it is nonrefundable after 14 days. You dont want to buy the insurance, and then end up not buying your trip.

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Stay Vigilant For Cheaper Flights

Disney World is a magical place. Unfortunately, theres no spell for conjuring cheap flights. A few rules of thumb include the following:

  • You could save money by flying into an airport other than Orlando International , including Sanford International or even Tampa International Airport 80 miles away.
  • Fly in and out mid-week rather than from weekend to weekend.
  • Use sites like to help you find cheaper flights and for suggestions on the best time to purchase tickets.

Visit for a comprehensive guide on flying to Disney World.

Dining On A Disney Cruise

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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.

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What Is A Disney Cruise Line Future Cruise Credit

During the Coronavirus pandemic, Disney Cruise Line has been forced to cancel sailings with impacted guests being offered a choice of a full refund, or a future cruise credit . In each phase of cancelations, we have been given the following blurb regarding the FCC.

*The Future Cruise Credit is equal to 125% of your original voyage fare and is only valid for sailings departing within 15 months of your original sailing. The FCC is applied per person and is non-transferable, non-refundable and has no cash value. Standard prevailing rates apply and Guests are responsible for any balance due after the FCC has been applied. If you end up not being able to use the FCC, you will be eligible for a refund up to the amount of your original voyage fare. Standard cancellation policies and terms and conditions apply to future sailings. Guests who previously received a FCC are not eligible for an additional Future Cruise Credit.

The good news, in it will keep you from having to wait on hold, FCC can be added to new sailings booked online instead calling the Disney Cruise Line which has traditionally been the procedure. The future cruise credit will be available to apply to your new online booking once you reach the checkout screen. Simply click the button on the checkout screen that says Future Cruise Credit to add it to your booking.

Medical Problems While At Disney World

Even though your own health insurance plan may cover any medical needs while in Florida, it may make sense to purchase a comprehensive policy that includes medical benefits, especially if your own health plan has a very high deductible. In these cases, look for a travel insurance plan where the medical coverage is primary, meaning the travel plan pays first. Many travel insurance plans have secondary medical coverage.

However, if the Disney World vacation is a domestic trip and you arent in need of medical benefits, you may be able to find a less expensive option with no or limited medical benefits, and focus primarily on trip cancellation and interruption, suggests Megan Moncrief, a spokesperson with Squaremouth, a travel insurance comparison provider.

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Travel Insurance For Disney

Ask our agents about purchasing travel insurance to protect your next vacation Add the Disney travel insurance package to protect your tickets and passes.

Jan 18, 2021 Trip Cancellation Trip Interruption Trip Delay Emergency Medical and Evacuation Expenses. Here is a link for full benefit coverage

The Adventures by Disney Vacation Protection Plan provides Travel Insurance, your vacation is covered from the moment you purchase your Adventures by

Whats Included In Disneys Travel Protection Plan

How Much Does A Disney World Trip Cost?

A recent Forbes article provided a breakdown of everything that is included in the official Disney travel insurance.

Luggage delay. If your airline loses your luggage and itâs delayed by more than 12 hours, you can get reimbursed for the purchase of necessary personal items.

Baggage loss. Youâll get up to $2,000 for lost, stolen, or damaged bags or personal effects.

Emergency assistance. Youâre eligible for 24/7 travel assistance, medical assistance and emergency services.

Emergency evacuation and repatriation. If youâre injured, the policy covers emergency medical transportation and other expenses.

Emergency medical protection. The policy provides up to $25,000 of coverage for an illness or injury sustained while traveling.

Trip cancellation and trip interruption. Youâll get reimbursed for up to the total of your prepaid travel arrangements if youâre injured or ill. It also covers nonmedical reasons like a job loss or a change in military orders.

Travel accident. It provides up to $25,000 in the event of accidental death or dismemberment.

Trip delay. The policy reimburses you for expenses related to a delay, up to $600 .

Rental car damage. The policy will reimburse repair costs of up to $25,000 for collision, theft, damage or vandalism to rented vehicles.

When it comes to adding travel insurance, we recommend weighing your options.

According to Business Insider, here are the best travel insurance policies for 2020:

  • Best annual travel insurance:

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Consider travel insurance for your Disney World vacation · Coverage for trip cancellation, trip interruption, and delays · Coverage for lost, damaged, or stolen

What Does It Cover? · Trip Cancellation Up to 100% of insured Trip Cost · Trip Interruption Up to 100% of insured Trip Cost · Trip Delay $600

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

Sep 17, 2018 Insurance from Disney Cruise Line is 8% of the cost of your reservation. Walt Disney World insurance is $77.50 per adult, and $5.50 per child 17

Disney Travel Insurance Comparison Shopping

Of course, to get the best deal, it helps to be able to compare plans side by side. There are a few sites that offer travel insurance comparison tools.


We recommend Squaremouth for comparison shopping. You can enter your plan details, and compare of 110 policies from 21 different providers. Its the of trip insurance.

Squaremouth is known for excellent customer service, and has been around since 2001. They offer a zero complaint guarantee.

Heres Squaremouth in action

Wherever you decide to get travel insurance, we hope you decide to protect your trip and we hope you never need your policy!

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Trip Cancellation Insurance For Thailand

With so much to see and do in Thailand, you likely have been planning an enriching itinerary for your trip for over a year. With departure imminent, you would have your hotel and flights booked, along with pre-paid activities, perhaps a boat ride on the Asiatique Riverfront, or a tuk tuk tour of Bangkok.

What if you received devastating news that would force you to cancel your trip? For example, if your sister suffers a heart attack and is in intensive care, you would probably want to cancel the trip to be by her bedside. Disruptions due to weather, illness, injuries, job loss, death and more are covered by trip cancellation insurance. You can be reimbursed 100% of the non-refundable deposits you lose when you cancel your plans for a reason covered by the policy.

Its important to know that not all cancellation reasons are covered under a standard travel insurance policy. If you have a fight with your significant other a week before the trip and dont want to go to Phuket, you would not be covered for the cancellation.

If you want the greatest flexibility to change your travel plans and potentially cancel, its best to purchase a cancel for any reason insurance upgrade to your policy. As long as you cancel your trip no more than 48 hours before your scheduled departure, you can recoup some of your trip expensesusually 75%, but check your policy. The freedom to cancel with this upgrade will cost you an average of 50% more than a standard policy.

Should You Take A Disney Cruise

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The magic of Disney is legendary for families, couples, friends, and more.

Disney may be considered by some to be aimed at children, but Disney service also caters to adults. In fact, each Disney Cruise Line ship features an adults-only area and spa. For those adults traveling without children, this area may be especially enjoyable since families often account for the majority of the passengers. The adult-only areas are usually not crowded for this reason and can be an incredibly peaceful escape.

If you enjoy cruising with a little extra magic, this experience may be the vacation of a lifetime for all members of your party, regardless of age.

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions, and benefits. When in doubt, please contact one of our licensed agents for additional assistance.

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Compare The Insurance Plans Before Purchasing

If you want ease and convenience, then purchasing insurance through your vacation package is the way to go. It is included in your vacation price, and you wont have to worry about which options to choose. If you are going to customize your plan through an independent travel company, you should consider what is important to you, what your budget is, and select the plan accordingly. Most comprehensive travel insurance plans will be similar, but the travel delay benefits, baggage protection limits, emergency medical coverage, etc., will vary greatly. Consider what is best for you before you make your decision.

Looking for that perfect cruise or a discounted rate for your Disney World Vacation? Let The Magic for Less Travel, an Authorized Disney Vacation Planner, works for you. Their concierge services are always provided free of charge, while The Magic for Less Travel will help you find the best published or unpublished discount for your vacation. Already have a vacation booked directly with Disney? Contact The Magic for Less Travel to see if they can help you find a lower rate.

Medical Expense: 13% Of Claims

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


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

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