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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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Is Disney Travel Insurance Worth the Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What Disney travel insurance covers

How much is disney travel insurance, reasons to get disney travel insurance, reasons to skip disney travel insurance, better alternatives to disney travel insurance, when is disney travel insurance 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 travelers can consider other, more flexible options.

A Disney vacation can be a trip of a lifetime. It can also be the most expensive trip of your lifetime.

For many, buying travel insurance should be just as essential as buying a churro as you cruise down Main Street. Maybe you booked a vacation but later lost your job; you might want to delay until you regain a stable income stream. Maybe your kid breaks his leg and you want to rebook when it’s healed.

Trip insurance can be purchased from a dedicated travel insurance company , or you might already have it by holding certain credit cards. Otherwise, you might buy it directly from Disney, which offers insurance as an add-on for vacation packages at its U.S. theme parks.

Is Disney travel insurance worth it, or are there better deals out there?

If you’re heading to Walt Disney World in Florida or Disneyland in California and you’ve booked a vacation package (meaning a hotel and theme park tickets), you’re eligible to purchase Disney’s Travel Protection Plan. Underwritten by Arch Insurance Company, it’s available for purchase by U.S. residents and U.S. citizens living abroad who book through Disney’s website.

Exact coverage and benefit availability varies based on where you live, but it typically includes:

Trip cancellation or interruption: Reimburses prepaid travel up to your total trip cost for covered reasons including illness, injury, job loss or military service.

Trip delay: Reimburses eligible expenses of up to $200 per day ($600 per trip).

Baggage loss: Reimburses up to $2,000 for lost, stolen or damaged luggage.

Bag delay: Reimburses purchases of necessary items if your bags are delayed 12 or more hours.

Emergency medical expenses: Provides up to $25,000 of coverage if you get ill or injured while traveling.

Rental car damage: Reimburses repair costs up to $25,000 in the event of collision, theft, damage or vandalism.

While Disney doesn’t outright state its prices, a NerdWallet analysis of several travel packages found that it costs a flat rate of $95 per adult (children age 17 and under are free when travel protection is purchased for the adults on the reservation).

Flat-rate travel insurance can be good for ultra-expensive trips, but a bad deal for budget trips.

Take a seven-night stay during the week of Christmas 2022 for a family of four (two adults and two children) at Disney’s opulent Grand Floridian Resort & Spa. Book it alongside six-day theme park tickets with all the add-ons — like water park admission — and you’d pay about $12,000. Adding on travel insurance would cost $190, which is 1.6% of your overall cost.

But say you instead planned a trip at the end of September when the kids are back at school. Two adults could stay at Disney's All-Star Movies Resort with basic, two-day tickets for just $850. Adding Disney’s insurance would increase your package cost to over $1,000, which is an overall price increase of nearly 20%.

Travel insurance that nets out to just 1.6% of your overall trip cost is a deal, but 20% is far from it. After all, most travel insurance costs between 4% to 8% of the total trip, according to the U.S. Travel Insurance Association.

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.

Here’s 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 it’s not just a fancy hotel and Disney theme park tickets with all the add-ons like front-of-the–line passes. Factor in other nonrefundable trip elements, such as airfare and pre-paid rental cars. If you’re flying first class , or you’re hit with rising rental car prices , then flat-rate insurance is especially appealing.

You’re 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 Disney’s only age differentiator is child versus adult, its plan might be cheaper for older adults versus going with an independent insurer.

Many other policies won’t cover theme park tickets: Ever since the COVID-19 pandemic, Disney has required travelers to make advance reservations to enter its U.S. theme parks. The days of buying tickets first thing in the morning are gone. For popular days, you’ll often have to reserve your tickets months in advance. But while most policies cover cruises, airfare, lodging and tours, it’s tough to find policies that cover theme park tickets.

Because of the high cost of Disney tickets (and the fact that most Disney tickets are nontransferable and nonrefundable), you likely want to be covered for those too.

But most people would be better off skipping Disney insurance. Here are a few reasons why:

Maximum coverage is relatively low: Disney’s insurance will pay out a maximum of $25,000 in the event of accidental death and dismemberment, while it’s common to find coverage of up to $500,000 elsewhere.

Similarly, Disney’s policy covers up to $2,000 for lost baggage. That might be insufficient if you’ve packed a fancy camera. With other insurance policies, coverage of at least $3,000 is common.

And Disney’s rental car coverage only reimburses repair costs of up to $25,000. Especially given rising car prices , that might not be enough for serious accidents.

Coverage is limited: Actually getting reimbursed with your Disney travel insurance can be tricky. Covered events are restricted to narrow situations, including injury, a family member’s death or jury duty. Plus, you must provide proof, like a court order or death certificate. Disney’s insurance also won’t cover pre-existing conditions.

You don’t want to book a Disney hotel: Disney’s insurance is only available to travelers staying at one of Disney’s own (expensive) resorts. If you’re going to Disney World on the cheap , staying off-property is almost always cheaper. Don’t let eligibility to purchase Disney insurance persuade you to book a Disney resort that’s outside of your ideal budget.

Before your Disney trip, compare travel insurance quotes from multiple providers. And don’t overlook these other types of travel insurance:

Cancel For Any Reason coverage

Perhaps an uptick in COVID-19 cases has you considering travel. Or maybe an injury is preventing you from travel, but you don’t have a doctor’s note to prove it. Given the limited number of reasons that qualify for coverage, you might be better off with “ Cancel For Any Reason ” coverage, which covers you no matter why you cancel.

Look to your credit card

Some credit cards offer travel insurance as a benefit, as long as you purchased the trip on that card. Given the high cost of travel insurance, this benefit alone can often be worth the often-high annual fees these cards charge.

Check with your bank to see what’s covered. For example, the insurance offered via many Chase credit cards explicitly won’t cover theme park tickets.

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 Disney’s travel insurance.

As long as you’re 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.

Photo courtesy of Disneyland Resort.

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 2023 , 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

Chase Southwest Rapid Rewards® Plus Credit Card

on Chase's website

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.

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.

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Disney Cruise Line insurance plan details and costs

Disney Cruise Line Insurance Costs & Things to Know

Navigating Smooth Sailing: Understanding Disney Cruise Line Insurance

Embarking on a Disney Cruise is a magical experience filled with enchanting destinations, delightful entertainment, and memorable moments. To ensure that your journey remains as enchanting as the animated tales that inspire Disney Cruise Line, it’s essential to consider travel insurance. Disney Cruise Line offers its guests the option to safeguard their vacation with insurance coverage tailored to the unique aspects of cruising. Disney Cruise Line’s Travel insurance is Underwritten by Arch Insurance Company.

Comprehensive Coverage for Peace of Mind:

Disney Cruise Line insurance is designed to provide comprehensive coverage, offering peace of mind for travelers. This insurance goes beyond the typical considerations of travel insurance, taking into account the specific dynamics of a cruise vacation. From unexpected trip cancellations to medical emergencies at sea, Disney Cruise Line insurance aims to cover a range of scenarios, allowing guests to focus on creating magical memories.

Benefits Coverage Details:

Trip cancellation and interruption protection:.

Life is unpredictable, and sometimes plans need to change. Disney Cruise Line insurance includes trip cancellation and interruption protection, ensuring that unforeseen circumstances don’t dampen your cruise experience. Whether it’s a sudden illness, a family emergency, or other covered reasons, this coverage helps you recover non-refundable costs and expenses incurred due to trip disruptions.

Cancel For Any Reason Credit Feature – non-insurance feature provided by Disney Cruise Line:

“Receive a future cruise credit up to 75% of the non-refundable cancellation fee amount to apply toward a future Disney Cruise Line sailing if you need to cancel for any reason not covered by the insurance portion of the plan. Credits are valid for one year from issue date, are not transferable, and have no cash value. Certain restrictions apply. This feature is provided by Disney Cruise Line.”

Full detail link

Medical Coverage at Sea and in Port:

Health is a top priority, even on the high seas. Disney Cruise Line insurance provides medical coverage both onboard and in port, offering assistance in case of illness or injury. This coverage includes emergency medical evacuation, ensuring that guests receive the necessary medical attention, even if it requires transportation to the nearest suitable medical facility

Baggage Protection:

No one wants to imagine their vacation without their belongings. Disney Cruise Line insurance includes baggage protection, covering the loss, damage, or theft of luggage and personal effects. This feature ensures that even if the unexpected happens, you can replace essential items and continue to enjoy your cruise.

24/7 Assistance and Support:

Disney Cruise Line insurance comes with 24/7 assistance and support, recognizing that emergencies can happen at any time. Whether you need help with medical arrangements, travel assistance, or have questions about your coverage, the dedicated support team is just a phone call away, ready to assist you in navigating any challenges that may arise during your cruise.

Disney Cruise Line insurance costs are 8% of the guest’s base cruise fare cost, excluding port fees, and taxes. This means your price will vary greatly depending on your itinerary, sail date, stateroom category and so on. Disney Cruise Line or your Travel Agent can get you a price for the insurance but again does have to be done before final payment. Disney Cruise Line insurance cannot be added after final payment.

Considerations for Guests:

While Disney Cruise Line insurance offers valuable coverage, guests are encouraged to carefully review the policy details, terms, and conditions. Understanding the scope of coverage, exclusions, and limitations ensures that travelers can make informed decisions that align with their individual needs and circumstances.

In conclusion, Disney Cruise Line insurance serves as a safeguard against the unexpected, allowing guests to focus on the magic of their cruise vacation. With comprehensive coverage, dedicated support, and a commitment to guest satisfaction, this insurance ensures that your journey with Disney Cruise Line remains a fairy tale from start to finish.

For full official details on adding Vacation Protection, please reach out to your Travel Agent, Disney Cruise Line or follow this link by clicking here.

Wishing you safe and happy travels!

Ready to plan your magical cruise? We’d love to assist you as your Travel Agent! Contact us today for more information regarding why we love Disney Cruise Line and how we can help make your next sailing extra magical!

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