We've done a number of Disney Cruises and were VERY happy we chose to carry trip insurance... we used it our very first
Disney Cruise when we were "hunkered down" at WDW while Hurricane Francis passed over.
If you're traveling on Disney Vacation Club points, I believe you'll need to get the trip insurance through Disney. They now have some way to calculate a cash reimbursement for the lost points.
If you're paying for the cruise you have options. In 2004, we booked through a
travel agent and she took care of ordering the insurance (I have to look up who the insurance company was). It covered the cruise, flight... everything that was pre-paid and not cancelable or might be incurred due to a delayed canceled/trip. Our coverage activated due to Hurricane Frances delaying our cruise and paid for extra nights at WDW All Star Movie and our meals. They were awesome no documentation needed with a hurricane. They had the money we laid out for the hotel/meals in our account before the end of the cruise (so 5-6 days). Disney was also awesome... they gave us 1/2 our money back for the shortened cruise and 25% off our next cruise.
I'm not sure if you book the cruise on the
DCL and book your flights separately if that could be added to the policy. You might also consider what other things you may pre-pay or have cancellation deadlines/fees. A couple years ago, we had medical emergency and had to cancel a
Disneyland trip... the insurance covered the flight and the pre-paid tickets for Mickeys Not-So-Scary Halloween Party. The hotels would have been covered, but no need as we cancelled the hotels before the deadlines.
Some plans are different in what they cover and what it takes for the insurance to go into effect. The last non-cruise trip we took we got
TRAVEL GUARD'S GOLD PLAN from Teel's Travel Planners... kids are covered FREE. I started to do it online, then I ended up calling on a Saturday. Brad Teel answered the phone himself and walked me through the whole thing.... such a nice man (family run travel agency). He let me know that since every one was healthy, we could add the insurance even though we'd planned the trip a while earlier... and it didn't matter that I'd booked the trip direct.
Some plans you can opt for coverage even if you
choose to cancel the trip (you don't have to be sick, lose your job, find a hurricane, etc.). It's refered to as "change for any reason" or "change your mind" insurance. It costs something like an extra 50%.
I just ran the numbers for the 3 of us for 7-Day Fantasy outside cabin. Through Disney it would be $250. TravelGuard Gold thru Teel's was $155 ...with "change your mind" added it was still only $228.
I'll be interested to hear what plans others have bought / used.
Lise