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View Full Version : Trip insurance when paid with DVC points


sigillaria
02-27-2010, 02:08 PM
If you pay using Dis Vac Club points are you limited to DCL travel insurance?

eva
02-27-2010, 04:06 PM
You actually have to take the insurance through DVC to insure your points. But you can take any insurance you like for medical and your flight. It is a bit confusing and takes a bit more time. But I usually get insurance through the airline for the flight. Then I purchase medical on line usually through Access America. Finally I purchase point insurance through DVC if the points I'm using are quite significant. You have until the day prior to the cancelation date to purchase the insurance for your points. I normally don't get it. But we are doing a Med cruise in a cat. 6. I think I will be getting the insurance this time.

joksten2000
02-27-2010, 04:36 PM
The insurance they offer only gives you $5 a point, quite a ripoff. I get $10K for my cruise that I will have to pay $19,750 to replace. Really burns me that they do this to members. They should hang their heads

eva
02-27-2010, 04:40 PM
The insurance they offer only gives you $5 a point, quite a ripoff. I get $10K for my cruise that I will have to pay $19,750 to replace. Really burns me that they do this to members. They should hang their heads

I pretty much agree. And I only take it when I am using a lot of points and couldn't afford to replace the trip.

kcashner
02-27-2010, 06:00 PM
$5 barely covers your dues in some locations! If you choose to insure privately to cover medical, airfare, etc. it will also cover the $95 booking fee and any other cash items you've incurred.