So does anyone know anything about Disney's trip insurance?
I wouldn't plan on Disney's travel insurance (which I think is through Travel Guard) covering much of anything. We have researched travel insurance many times over the years (Disney's included) and there are so many medical exclusions, that it's pretty near impossible to make it worthwhile. You need to really read the fine print, or call the 1 800 number and they'll tell you all about the exclusions. You have to be free from any medical issues for months, and if not, they won't allow you to make a claim for it.
Here are personal examples:
Kidney stones - My hubby had a surprise bout of kidney stones, many months
before our trip, so I called insurance to ask about what would be covered if he had a kidney stone flair-up, and several different agents told me nothing as this was now a pre-existing condition.
Son's asthma/pneumonia - Same as above. We cancelled our
Disney cruise and lost money and DVC points by our choosing, as again, he is considered to have a pre-existing condition, so if it were to be a problem on the trip, they wouldn't have covered it.
You have to be medically perfect for at least 6 months prior to travel with Disney's insurance, in order for them to consider the claim, so check into this thoroughly before purchasing insurance.
We are lucky as we have Canadian medical benefits (I'm a teacher), which are top of the line, so we don't need medical insurance, but we were asking about if trip had to be interrupted or cancelled. We are lucky that we have this, and can't imagine how so many Americans deal with getting ill on vacation as insurance is so expensive, and many times, it doesn't cover much. It has made us realize that this is the reason why so many people go on vacation even while sick as they don't want to lose out on money - it makes for difficult situations. We've been in hospital while in WDW, far away from family, and it was very scary. Our baby got sick due to other people taking their sick kids on vacation. We now have a second baby who is asthmatic (ear tubes, adenoids removed, 2 puffers per day, etc.) and so we do not fly anymore, wash hands all day, sneeze into our arms, don't go to parks if sick and get lots of rest!
Happy health to all, Tiger