PDA

View Full Version : Do you get trip insurance??


Leslie32
01-04-2005, 08:05 PM
I never thought about getting this. We are going in July and was wondering if this is worth it?


Thanks

MagicKingdom05
01-04-2005, 08:13 PM
Leslie32,

I asked about this earlier. After deciding to decline it, I changed my mind and took it. Sure maybe nothing will happen, but I if my flight gets cancelled or I have to cancel after the 45 day period, I don't want $1200 to go down the drain.

Cass
01-04-2005, 08:16 PM
I always take insurance... I was a tavel agent for years and have been involved in some horror stories, clients who declined insurance and paid a big price for being cheap.

You never know when something will happen, an illness, an accident, lost luggage, a death in the family just prior to leaving... a death or illness in the family that you have to come back early for.

Better safe than sorry!

NancyIL
01-04-2005, 09:49 PM
For cruises....absolutely. For family vacations..not usually. We don't get vacation packages, so most hotels can be cancelled if necessary, and plane tickets changed with a $100/pp fee.

*Fantasia*
01-04-2005, 09:55 PM
For cruises....absolutely. For family vacations..not usually. We don't get vacation packages, so most hotels can be cancelled if necessary, and plane tickets changed with a $100/pp fee.

I agree...cruise...most definitely! and ditto on everything she said!

Taratink
01-04-2005, 10:21 PM
I book room only reservations. I can always change my plane tickets and have a week to cancel my room. If I had to cancel a couple of days in advance I will only be out my deposit. Many hotel offsite hotels will let you cancell that day without penalty. Packages are unattractive to us because of the cancalation policies.
Tara

Leslie32
01-04-2005, 10:58 PM
What if there is a hurricane? Do you need the insurance for that reason?

lovingthemouse
01-04-2005, 11:15 PM
Since my DH is prone to illnesses, we now make the extra investment. I feel much better this way. Caroline :teacher:

gabsmom
01-05-2005, 11:22 AM
Pick up the current issue of Conde Nast magazine. Very interesting read on why you should have trip insurance, not just when you are booking a cruise.

DeterminedOne
01-05-2005, 11:53 AM
Is it worth it? Well, if nothing else it's worth the piece of mind. And the cost is very minimal for the protection you get. What type of reservation do you have? If you're anything like most of us you've spent THOUSANDS for this trip. A couple hundred dollars for insurance is nothing!

Tabetha
01-05-2005, 12:17 PM
Always. It's worth it to me - my dad had a cruise booked last December, but got into a motorcycle accident in November, they lost the whole trip.

I don't mind shelling out another $89 if it can prevent a potential problem down the road.

my3kids
01-05-2005, 12:34 PM
I always buy for cruises, but did not purchase it for my next trip to WDW. My flights are scheduled on US Airways late next week. I sure whish I'd bought insurance.

Leslie32
01-05-2005, 12:39 PM
Thank you so much for all your comments. I am trying to book thru my AAA agent now. I do have a room and the tickets full price on hold through disney but plan on getting a pkg. I will be getting the insurance so I don't lose thousands of dollars.

Thanks a bunch :D

jillhou
01-05-2005, 12:41 PM
I don't understand why anyone buys packages at Disney - the cancellation policy is horrible and they are not good deals, generally speaking. They are ok for convenience - but not for money.

We would always get insurance for cruises. See no reason to get it for hotel rooms and such.......

cavecricket
01-05-2005, 01:54 PM
last year i had to change my dates less then a week before leaving, had no problem with disney there was a small fee for moving the dates, i thought i would get screwed on the flights but i called southwest and they do not charge you anything to change your flight dates , you only pay the difference on the new tickets and get this when i changed my flight the new tickets were $40 per person cheaper and they refunded me the money!!! i love southwest !!!

DVC-Don
01-05-2005, 02:56 PM
Never have purchased the insurance for any or our 16+ trips. We've saved quite a bit I guess.

Leslie32
01-05-2005, 02:59 PM
My AAA Agent said Insurance is only 39.99 per adult. I don't think that is to bad.

bytheblood
01-05-2005, 03:25 PM
Only for the cruise.

bytheblood
01-05-2005, 03:27 PM
I always take insurance... I was a tavel agent for years and have been involved in some horror stories, clients who declined insurance and paid a big price for being cheap.


That is awfully snotty. :snooty: Just because somebody declines it, does not mean they are cheap. I know people who spend $12K to go on a 7-Day cruise that decline insurance. Hmmm...:scratchin does not sound cheap to me.

Nik's Mom
01-05-2005, 03:37 PM
I never thought about buying insurance because I never book a package. We are about to book the myw + dining pacakge at AAA. I'll have to think about the insurance.

Tabetha
01-05-2005, 04:25 PM
To the OP - I notice that you also asked about hurricanes. If your trip is in July, it shouldn't be a problem. Hurricane season doesn't really start until late August, if I recall correctly.

DeterminedOne
01-05-2005, 04:35 PM
I don't understand why anyone buys packages at Disney - the cancellation policy is horrible and they are not good deals, generally speaking. They are ok for convenience - but not for money.

We would always get insurance for cruises. See no reason to get it for hotel rooms and such.......

We buy packages for the convenience and for the opportunity to have the Ultimate WDW trip. Whether or not it's a good deal never crosses our minds as we want what we want. So generally speaking, people buy packages because they like what is offered and money is not issue.

Leslie32
01-05-2005, 04:48 PM
Thank you Tabitha for answering my question about hurricanes.

Have a great day

Selket
01-05-2005, 04:58 PM
Are "acts of nature" like a hurricane even covered by trip insurance? What about a 9/11 type of event when airspace was shut down for days or folks were simply afraid to travel?

Jasminesmommy
01-05-2005, 04:59 PM
Also if you do get a hurricane Last year Disney and the Airlines let you cancel and reschedule without fees.
I don't get the insurance and was there for hurricane Jeanne

kellycole
01-05-2005, 06:41 PM
We bought the trip insurance for our trip scheduled last June. My Grandfather passed away and 14 days before our trip. There was no way we could go. Disney was absolutely wonderful about everything. I received all of our money back including the non-refundable flight (us air) It took about 6-8 weeks. I have no complaints whatsoever. I will always pay the $89 or whatever. It is a small price to pay for a big piece of mind.

WDWRC
01-05-2005, 07:09 PM
Travel Guard insurance ($44.95/adult) through Disney Travel really is a small cost for what you get. Fall and chip your tooth at MK? Insurance covers it to go to the dentist during vacation. Lost luggage? $500 person to go shopping for what you need. Travel delays in a connecting city? Travel Guard pays to put you up in a hotel.

Think about all the people who didnt have luggage for days this past holiday season. They spent so much time going back and forth to Orlando Airport looking for their luggage. With the insurance, they would have had the money to buy some clothes and stuff instead of wearing the same thing for 2 days!

As for the "I don't know why people book with Disney" comment, I don't see how the cancellation penalties are outrageous, especially if you only modify your dates within 45 days costing $50.

Tracy

DebbieB
01-05-2005, 07:33 PM
It really is a small cost for what you get. Fall and chip your tooth at MK? Insurance covers it to go to the dentist during vacation. Lost luggage? $500 person to go shopping for what you need. Travel delays in a connecting city? Travel Guard pays to put you up in a hotel.

Be sure to check exactly what you are buying. Some travel insurance is only for cancellation. On some you can pay extra to add luggage and/or medical coverages.

Also be sure to check exclusions. Some do not provide coverage for a pre-existing condition. So if you have a medical condition when you buy the coverage and then cancel because of it, it may not be covered. Some waive the pre-existing clause if you buy within 7 days of the initial deposit. Some will not cover airlines in bankruptcy.

Just be sure to get all the info before you buy.

*Fantasia*
01-05-2005, 07:43 PM
That is awfully snotty. :snooty: Just because somebody declines it, does not mean they are cheap. I know people who spend $12K to go on a 7-Day cruise that decline insurance. Hmmm...:scratchin does not sound cheap to me.

I agree.. Disney Cruise is not cheap!

DeterminedOne
01-05-2005, 07:47 PM
Are "acts of nature" like a hurricane even covered by trip insurance? What about a 9/11 type of event when airspace was shut down for days or folks were simply afraid to travel?

The insurance offered through Travel Guard, which is what is used for the packages booked through Disney does cover natural disasters such as hurricanes. In the case of a 9-11 type event that would also be covered because it is considered a travel delay caused by carrier delay.

hawkrn
01-05-2005, 08:37 PM
go to www.***************** and they will give you 5 quotes for trip insurance after answering questions. You can view the coverages before you decide too. Just bought some before my August trip.

lsteadman
01-05-2005, 08:54 PM
You need something to help you if you miss that boat! I fly out of MSP so we are subject to a snow storm at the drop of a hat! The day I cruise it would be the storm of the century so I got the insurance for Disney Cruise but not for Disney world.