disney travel insurance cost 2022

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Is Disney Travel Insurance Worth the Cost?

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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

on Chase's website

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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.

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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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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© Garret Roberts / USA TODAY NETWORK

• 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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Is Disney travel insurance worth the cost?

• Published: Jun. 05, 2022, 10:10 a.m.

People visit Magic Kingdom Park at Walt Disney World Resort in Lake Buena Vista, Florida, on Friday, April 22, 2022. (AP Photo/Ted Shaffrey) AP

• NerdWallet | special to cleveland.com

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. After all, we’re still in the midst of a pandemic. But that’s not the only reason you might cancel. 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?

What Disney travel insurance covers

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.

How much is Disney travel insurance?

While Disney doesn’t outright state its prices, a NerdWallet analysis of several travel packages found that it costs a flat rate of $82.50 per adult and $6 per child.

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 $177, which is 1.4% 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 1.4% 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.

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.

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 a victim to 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.

Reasons to skip Disney travel insurance

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.

Better alternatives to Disney travel insurance

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.

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 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.

More From NerdWallet

• 6 Common Myths About Travel Insurance and What It Covers
• For New Meat-Free Meal Options, 1 U.S. Airline Hits the Spot
• 2022 Is the Year of All-Inclusive Travel, and Here’s Why

Sally French writes for NerdWallet. Email: [email protected] . Twitter: @SAFmedia.

The article Is Disney Travel Insurance Worth the Cost? originally appeared on NerdWallet.

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To Purchase Disney Travel Insurance Or Not? Here's What You Need To Know

Traveling to Disney isn’t cheap. People save up just to experience the wonder of the magical theme park. So what if something happens and you have to cancel the Disney trip you’ve been planning and saving for?

Life is unpredictable and purchasing travel insurance could be a good option, especially since we’re still in a pandemic. Disney provides travel insurance as well, but is it worth it?

Related : Here Is How To Determine If Travel Insurance Is Worth The Extra Cost

If you’re unsure whether to purchase travel insurance for your next trip to Disney, we’ve got you covered.

Where to purchase

You can use a travel insurance company or contact your credit card company to inquire about travel insurance. Disney offers travel insurance, which you can purchase directly from them as an add-on when booking packages in the U.S.  

What’s covered with Disney travel insurance

When booking a vacation package, which includes a hotel and theme park tickets, to Walt Disney World in Florida or Disneyland in California, you have the option of purchasing Disney’s Travel Protection Plan.  

The plan is available to U.S. residents and U.S. citizens who are living abroad. Although the benefits vary by where you live, here’s what it typically covers:

Trip cancellation or interruption – travelers will receive reimbursement for prepaid trips up to the cost of the trip for reasons such as injuries, military service, illness, or job loss.

Trip delay – travelers will receive reimbursement for up to $200 per day and $600 per trip in eligible expenses

Baggage loss – travelers will receive reimbursement of up to $2,000 if their baggage is lost, stolen, or damaged

Baggage delay – travelers will receive reimbursement of necessary items if their baggage is more than 12 hours delayed

Emergency medical expenses – travelers can receive up to $25,000 if they get sick or injured while traveling

Rental car damage – travelers can receive up to $25,000 in repair costs if there is a collision, theft, damage, or vandalism of the rental car

How much does it cost?

According to NerdWallet , Disney’s Travel Protection Plan costs $82.50 per adult and $6 per child.  

This can be costly depending on how many people you’ll be traveling with as well as how long you’ll be on vacation.

The U.S. Travel Insurance Association states that most travel insurance costs between 4% to 8% of the total trip cost.  

Pros of Disney’s Travel Protection

The flat-rate pricing can be good for longer trips. If your trip is 7 days or more, buying flat-rate travel insurance works out better than other travel insurance policies.

Usually travel insurance policies are based on risk, making it more expensive for older adults. Disney’s Travel Protection plan charges the same flat rate for all adults, regardless of age.

Most insurance policies don’t cover theme park tickets.  

Cons of Disney’s Travel Protection

The maximum coverage is $25,000 for accidental death and dismemberment. With most travel insurance policies, coverage is up to $500,000.

Disney’s maximum coverage for lost baggage is $2,000, but with other policies, it’s usually at least $3,000.

The maximum coverage for rental car repair costs is up to $25,000, which may not be enough to cover major accidents.

Disney’s travel insurance is only available to those staying in one of Disney’s hotels and resorts.  

Related: Visiting Disney World Without Kids, Weird Or Nah?

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• Key takeaways

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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Best Travel Insurance for your Vacation to Disney World

• Depending on how much your trip costs and the total length of your stay, buying the official Disney travel insurance can easily work out to be more expensive than a third-party travel insurance plan.
• The travel insurance offered by Disney Parks covers emergency medical expenses, lost or delayed baggage, trip delays, emergency evacuation, and auto rental coverage, but its low medical coverage limits are a concern.
• The official Disney travel insurance for resort vacations costs $95 per adult and covers children under 17 for free . However, only U.S citizens staying at a Disney hotel or resort (booked through Disney) are eligible.
• Opting for Disney’s plan could be a good choice if you only want basic coverage , but several third-party travel insurance plans also covers kids under 17 for free and offer more comprehensive coverage at a cheaper price than Disney’s.
• Based off our findings, better Disney travel insurance plans are offered by Generali, Tin Leg, & Berkshire Hathaway. ( Skip ahead to see plans )
• We recommend reviewing the coverage limits and doing a quick comparison with an online quote tool to ensure you get the coverage you need at an affordable price.

A Disney World trip can cost up to $5,000 or more, depending on a few different variables. It’s no secret that between flights, resorts, park entrance fees, and food, even a short stay can be very expensive. For many people, planning a trip to Disney World on a budget can be the result of months of saving. So, before deciding on going to Disney World, it’s important to consider the costs and to protect your vacation the same as you would with a trip abroad. This includes opting for travel insurance.

If you’ve found yourself wondering, “How much is a trip to Disney World?” The truth is, the answer can vary greatly based on your preferences and how many people are going.

According to Mouse Hacking , the average cost of a Disney vacation in 2024 is a little less than $7,000 for a family of four.

Here are a few questions to ask yourself to figure out how much a trip to Disney World costs:

• How much are tickets to Disney World per person?

For a 4-day entry pass, it comes roughly to $99 per day.

• How much is a Disney World resort?

A 5-night stay for a family of 4 can come around to $5,000 average price.

• How much are flights to Disney World?

An average of $150-$500 depending on when and from where you fly in the U.S.

Our top picks for the best disney travel insurance

• Generali Global Assistance: Best Overall Coverage
• Tin Leg: Best for Trip Cancellation Coverage
• Berkshire Hathaway Travel Protection: Best for Medical Evacuation Coverage
• Berkshire Hathaway Travel Protection: Best Basic Coverage

The short answer is yes, you should consider buying Disney travel insurance. For a 3-night stay in a Disney World resort and a 4-day park entry pass, a Disney vacation can quickly reach $3,000-$4,000.

Therefore, it makes sense to get a cheap Disney travel insurance plan that can ensure you and your investment are covered should anything happen to ruin your trip. Travel insurance policies start at just a few dollars per day and are a safe way to plan a trip to Disney World without worrying about losing your money should your trip be cut short or if someone falls ill.

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 insurance that can 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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How Much is Disney Travel Insurance?

Whether you want to finally see Cinderella’s castle or book a Disney Cruise , a Disney vacation is sure to be a memorable trip. However, it could also be one of the most costly trips of your lifetime; for many, travel insurance is crucial. After all, there are many uncertainties in travel these days. 

By the Numbers

You can purchase travel insurance from a reputable company, or you may already have it available through certain credit cards. If not, you may buy it directly from Disney, which provides insurance as an add-on for various vacation packages at its United States theme parks. Disney’s travel insurance costs approximately $6 per child and $82.50 per adult for its theme park vacation packages at Walt Disney World Resort in Florida.

Fixed-fee travel insurance policies are perfect for ultra-expensive vacations but a lousy option for budget vacations. Take a five-night stay during the Easter holiday for a family of five at Four Seasons Resort Orlando at Walt Disney Resort, for instance. If you book your stay alongside four-day theme park tickets and opt for add-ons such as water park admission, you may pay approximately $15,000. Adding travel insurance may cost $183; roughly 1.22% of your overall travel cost.

But suppose you planned a trip in May when the children are at school–two adults can stay at Disney’s Wyndham Lake Buena Vista, for example, with three-day tickets for $1,200. When you include Disney travel insurance, your cost increases to $1,365—an overall price increase of approximately 14%. 

Travel insurance that works out to 1.2% of your overall vacation cost is a good deal, but 14% is far from that. Most travel insurance costs between 5% and 10% of the total vacation cost, per the United States Travel Insurance Association.

A Disney Cruise, on the other hand, has a different price structure for its travel insurance.  The price for a Disney Cruise travel protection plan is based on a percentage of the voyage fare (typically around 8%) rather than a fixed dollar amount; but there is also a minimum cost ($35 per person) and maximum cost ($1,600 per person) limit in place to ensure that the premium cost is never too low or high.

As an example, a 7-night European cruise for two people in summer 2023 had a trip price of $8,078 (before taxes and port fees), and travel insurance was an additional $646.24 (8% of the fare).

What Does Disney Travel Insurance Cover?

If you’re planning to visit Disneyland in California or Walt Disney World in Florida and have booked hotel and theme park tickets, you qualify for Disney’s Travel Protection Plan. This insurance plan was underwritten by Arch Insurance Company and is available for United States residents or United States residents living abroad who book via Disney’s website. (If you have questions about where to purchase Disney World tickets , take a look at our other articles on the subject).

The exact benefits and coverage availability of Disney’s Travel Insurance depend on your location, but usually include:

• Trip interruption or cancellation–this provides prepaid vacations up to your total cost for covered reasons, such as injury, illness, military service, or job loss.
• Trip delay–this reimburses expenses of up to $600 per trip or $200 per day. 
• Luggage loss–this reimburses $2,000 for stolen, damaged, or lost luggage.
• Luggage delay–this reimburses essential items if your luggage is delayed for twelve or more hours.
• Emergency medical costs–this offers a maximum of $25,000 if you become ill or injured while traveling.
• Rental vehicle damage–this reimburses repair expenses of up to $25,000 in case of theft, collision, vandalism, or vehicle damage.
• Travel accident–this offers a maximum of $25,000 in case of dismemberment or accidental death.
• Emergency help–this qualifies you for 24/7 medical aid, travel assistance, and emergency services. 
• Emergency repatriation and evacuation–this insurance policy covers emergency medical transportation and other costs if you’re injured while traveling. 

Remember, this is the coverage for theme park based vacations; Disney Cruise Line coverage and Adventures by Disney trip coverage has different terms.

Final Thoughts

Given the uncertainty of vacations nowadays, even a quick two-day getaway requires insurance, which is where Disney’s Travel Insurance comes in handy. With this insurance plan, you can get reimbursement for trip cancellation, trip delay, luggage delay, and even rental car damage.

If you’re looking for a completely new experience, check out our recent article, Disney Difference – Adventures by Disney .

For help pricing out Disney Travel Insurance or any other part of your Disney vacation, contact the Disney experts at The Vacationeer !

Get your free, no-obligation trip quote today… their services are provided at no additional cost to you!

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Is Disney travel insurance worth the cost?

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By Sally French | NerdWallet.com

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. After all, we’re still in the midst of a pandemic. But that’s not the only reason you might cancel. 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?

What Disney travel insurance covers

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 vary 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.

How much is Disney travel insurance?

While Disney doesn’t outright state its prices, a NerdWallet analysis of several travel packages found that it costs a flat rate of $82.50 per adult and $6 per child.

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 $177, which is 1.4% of your overall cost.

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. (Photo by Mark Rightmire / SCNG)

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 1.4% 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.

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.

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 a victim to 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.

Reasons to skip Disney travel insurance

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.

Better alternatives to Disney travel insurance

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.

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 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.

More From NerdWallet

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Sally French writes for NerdWallet. Email: [email protected] . Twitter: @SAFmedia.

The article Is Disney Travel Insurance Worth the Cost? originally appeared on NerdWallet.

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Disney Cruise Line Vacation Protection Plan

This plan includes travel insurance benefits underwritten by Arch Insurance Company and a 24 hour helpline provided by CareFree Travel Assistance.

Receive a future cruise credit up to 75% of the 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 benefit is provided by Disney Cruise Line.

Travel Insurance - Underwritten by Arch Insurance Company

The insurer will reimburse up to the following limits:

Enjoy 24/7 global assistance during your trip, provided by CareFree Travel Assistance. Services include:

• CareFree Travel Assistance
• Medical Assistance
• Emergency Services

How to Purchase Vacation Protection

The plan may be added to your reservation as an option to your online cruise reservation, by requesting it with your Travel Agent or by calling (800) 951-3532. Payment for the Vacation Protection Plan must be made by the earlier of: the final payment date; or, the date any charges on the reservation become non-refundable, such as Concierge deposit or air cancellation fees for Restricted Fares.

Important Information

• View specific Terms, Conditions, and Exclusions
• This plan provides cancellation coverage for your trip and other insurance coverages that apply only during the covered trip.
• You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages.  You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker. 
• This optional coverage may duplicate coverage already provided by your personal auto insurance policy, homeowner’s insurance policy, personal liability insurance policy or other source of coverage.
• Purchasing travel insurance is not required in order to purchase any other products or services offered by Disney Cruise Line
• Plan may not be available in all jurisdictions.
• Payment for the Vacation Protection Plan must be made by the earlier of: the final payment date; or, the date any charges on the reservation become non-refundable, such as Concierge deposit or air cancellation fees for Restricted Fares.
• The coverage goes into effect upon payment of the total Vacation Protection Plan fee.

Restrictions for the Cancel For Any Reason Feature (Non-insurance Feature)

• The Cancel For Any Reason cruise credit feature is equal to 75% of the non-refundable cancellation fee imposed by Disney for your use toward a future cruise.
• Credits are valid for one year from issue date, are not transferrable, and have no cash value.
• To be eligible for credits, notification of cancellation must be given to Disney Cruise Line prior to the ship’s departure and a cancellation claim must be filed with Aon Berkely.
• If the credit is applied to a cruise booking of lesser value, the credit will be considered used, and the difference will not be carried forward or redeemed for cash. Credit may not be used toward deposit.
• If, after credit is applied to a booking, that booking is cancelled, the credit will not be carried forward to any other booking.
• Credit is non-commissionable to travel agents.
• Residents of Minnesota, Missouri and New York are not required to purchase the Disney Cruise Line Protection in order to access the cancel for any reason credit feature. Please contact 1-888-722-2195 for details.

The Disney Cruise Line Vacation Protection Plan is 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 general overview of insurance benefits available. 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.

This program was designed and is administered by Aon Affinity. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code.

† Guests under 18 years of age must have their parent or guardian's permission to call this number. DSY_040122

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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?

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.

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Help Center

How can we help you.

Rooms & Packages – Frequently Asked Questions

Do I need to buy travel protection?

While not required, as part of the booking procedure you’ll have the option to add the Travel Protection Plan to your reservation, which provides travel assistance and reimbursement for expenses such as trip cancellation, medical emergencies and more.

To view the terms, conditions and exclusions, visit: www.affinitytravelcert.com/docs/DSP01

Aon Affinity is the brand name for the brokerage and program administration of Affinity Insurance Services, Inc. (TX 13695); (AR 100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code. Aon Affinity Contact Information: 900 Stewart Ave #400, Garden City, NY 11530; 800-842-4084; [email protected]. As an MGA we are acting on behalf of our carrier partner, Arch Insurance Company (NAIC #11150). Arch Insurance Contact Information: 844-289-3443.

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.

DSP_120618C

Did you find this answer helpful?

Related Questions

Will I be responsible for any cancellation or change fees or other amounts if a hurricane warning is issued within 7 days of my arrival date?

What are the benefits of the Travel Protection Plan?

What does it mean for my vacation plans if a hurricane warning is issued within 7 days of my arrival date?

Average cost of travel insurance

N ext time you’re booking travel, it may be tempting to skip purchasing a travel insurance policy to cut corners and save some money. But saving a little now could actually end up costing you more later — if you lose your baggage, need to cancel your trip, or encounter unexpected medical costs while traveling.

According to Bankrate’s 2022 Travel Woes survey , “79% of travelers who have taken an overnight trip outside their local area this year experienced at least one travel-related issue.” Having travel insurance in place can keep these minor issues from turning into major, trip-ruining disasters.

What is travel insurance?

Travel insurance is a type of insurance policy that protects any money spent on domestic or international travel. Many travel agencies and airlines offer travel insurance as an add-on to your booking, although you can also seek out your own policy on any travel you book yourself.

Types of travel insurance

A few of the different types of travel insurance you may want to consider include:

• Damage to personal property or rental cars
• Trip cancellation
• Lost baggage
• Coverage for medical expenses abroad
• Accidental death or flight accident coverage

The cost of these policies varies based on the type of travel insurance you purchase, as well as the value of your trip and your personal risk factors. The amount of coverage you elect can also affect your rates. Where policies have different tier plans available, you’ll generally pay more for higher levels of coverage.

You may be able to get your next trip covered through your credit card perks. Some credit cards, particularly the best travel cards , offer travel insurance and discounts, with higher-fee cards typically offering higher levels of coverage. If you’re a frequent traveler, it could be in your best interest to read the fine print on your credit card to see if you can take advantage of any of these benefits.

How much is travel insurance?

The amount you’ll pay for travel insurance will depend on a few different factors such as your age (travel insurance prices tend to increase the older you get), the number of travelers you’ll need to insure and the length of your overall trip. Still, experts say you can expect to shell out anywhere from 4 to 11 percent of the total cost of your trip on your travel insurance policy.

Travel insurance policies generally fall into one of three tiers: basic, middle-tier, and comprehensive coverage.

Insurance policy tiers

Average cost of travel insurance by age.

Travel insurance providers evaluate risk in the same way traditional insurers do when it comes to their premiums. The older a traveler is, the more they can expect to pay for coverage, as older travelers are more likely to become ill or injured on a trip. For example, a 2021 analysis conducted by AdvisorSmith found that average prices differed from a low of $92 for a young child to a high of $805 for a centenarian.

Here’s a breakdown of the average cost of travel insurance by age.

While higher costs are more common among older travelers, affordable policies can still be found. Shopping around and comparing quotes from different providers is key to finding the right level of coverage at the right price point.

Average cost of travel insurance by trip cost

The total length of your trip can also directly impact the amount you can expect to pay for travel insurance. A two-week trip will likely cost you more than a weekend getaway, and the higher the overall trip cost, the higher the premium will be in most cases.

According to data from AdvisorSmith, average premiums range from $50 for a trip that costs $1,000 to $447 for a $10,000 trip.

Average cost of travel insurance by number of travelers

One factor you should take into consideration when planning your trip and selecting a travel insurance policy is the number of travelers in your group. The more people you’ll be traveling with, the higher your premium will likely be, because there’s a greater risk of your insurer having to cover unexpected costs. This is especially true for older groups who also have an increased likelihood of incurring medical expenses during a trip.

Per AdvisorSmith, a single adult traveling alone can expect to pay an average of $111, while a party traveling with two adults and two children will pay closer to an average of $167.

2023 travel insurance outlook

With the COVID-19 pandemic restrictions largely behind us, travel has surged since the second half of 2022. And with that surge has come higher prices for nearly all kinds of travel reservations, on top of the high inflation being experienced in the rest of the economy.

While inflation is beginning to cool , consumers are likely to continue feeling its sting for the foreseeable future. In fact, Bankrate’s 2023 survey on summer travel found that nearly two-thirds (62 percent) of those who say they can’t afford a vacation this year cite inflation or rising prices as a primary concern.

These higher travel costs are yet another reason the purchase of travel insurance remains popular, as travelers increasingly see the value of insuring their larger investments into more expensive trips.

Climate change is contributing to skyrocketing home insurance costs, experts say

(CNN) - Storms are becoming more severe across the country, and those wild weather patterns, now so widespread, mean higher costs for home insurance.

Hurricanes, flash floods, tornadoes, and wildfires, weather patterns are drastically changing across the country. Last year there were 28 weather and climate disasters reported, with each topping $1 billion in losses, according to the National Oceanic and Atmospheric Administration.

And it’s costing consumers, especially in high-risk areas with skyrocketing home insurance costs.

“When the trends go to the extremes, all the financial modeling that the insurance companies base their rates on gets disrupted,” Travis Hodges said.

Hodges is an insurance broker at Hub International. He said costs have gone up by as much as 25% in some cases, and it’s in every state.

According to insurance tracker Bankrate.com , the average annual rate for a home worth $300,000 is $2,151. But in some areas of Florida, like Fort Lauderdale, you could be paying about $10,151 a year.

And most insurance policies don’t cover flood damage; that’s a separate policy.

So, what’s causing these high increases?

“When the losses do happen, all of the house values have gone up, all the labor costs have gone up all of the materials have gone up,” Hodges said.

All of that means it costs more to repair any damage and rebuild to new building codes.

Hodges said there are things homeowners can do to help lower their annual costs. For example, raising your deductible by as much as $500 can lower your premium bill by as much as 15-20%.

Hodges also recommends bundling your insurance and shopping around to compare different rates.

Copyright 2024 CNN Newsource. All rights reserved.

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