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Old 02-10-2011, 01:46 PM   #1
lugnut33
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Am I The Only Dummy To Buy DCL Trip Insurance?

Jeeesh, reading some of the threads I now feel like I've been taken because I opted to use DCL trip insurance. Is it really the worst on earth? I mean, I did look into the other sites people are recommending, but kept coming back to the point that if for some reason we cancel I can atleast transfer that money to a future cruise. And the insurance didn't seem all that much different on things covered. So what am I missing, why are people making me feel like a fool for choosing DCL trip insurance?

We are cruising the Disney Dream in June of 2012 with the podcasters.
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Old 02-10-2011, 02:05 PM   #2
GoofyCrazy
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I bought the DCL insurance too for our cruise in June of 2012. I think the reason most people don't choose it is because it doesn't cover preexisting conditions.
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Old 02-10-2011, 02:10 PM   #3
evanthep
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I purchased DCL too. I trust disney to do the right thing in emergency situations.
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Old 02-10-2011, 02:12 PM   #4
WDW_Diane
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insurance

I bought the DCL insurance as well. I expect Disney to do the right thing in case of emergency.... or anything else that would cause us to need the insurance. Planning this trip for ten people; the cruise, transportation, resorts..... it is enough for me without having to research quality cruise insurance on top of that.
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Old 02-10-2011, 02:17 PM   #5
lugnut33
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Originally Posted by WDW_Diane View Post
I bought the DCL insurance as well. I expect Disney to do the right thing in case of emergency.... or anything else that would cause us to need the insurance. Planning this trip for ten people; the cruise, transportation, resorts..... it is enough for me without having to research quality cruise insurance on top of that.
Well, I did do some research and I didn't think the other ones completely blew the DCL insurance out of the water, but then again maybe I'm missing something? Some posters here seem absolutely fanatical about NOT buying DCL insurance, but I just don't see why yet.
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Old 02-10-2011, 02:24 PM   #6
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I purchased it also for our first cruise in May. I looked at the website that people recommended to compare and I didn't see much difference. It seemed easier to have all my information with Disney. I could be wrong though!
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Old 02-10-2011, 02:34 PM   #7
NancyIL
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Why I don't buy DCL's trip insurance

1. DCL's coverages are low and the price is high
2. DCL's insurance doesn't cover flights unless booked through DCL
3. DCL's insurance has no waiver of pre-existing conditions
4. If I have to cancel my cruise, I want my money back and not a credit for a future Disney cruise
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Old 02-10-2011, 02:36 PM   #8
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I purchased DCL insurance as well for our first cruise in March 2012.
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Old 02-10-2011, 02:37 PM   #9
Doinitwell
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Quote:
Originally Posted by lugnut33 View Post
Jeeesh, reading some of the threads I now feel like I've been taken because I opted to use DCL trip insurance. Is it really the worst on earth? I mean, I did look into the other sites people are recommending, but kept coming back to the point that if for some reason we cancel I can atleast transfer that money to a future cruise. And the insurance didn't seem all that much different on things covered. So what am I missing, why are people making me feel like a fool for choosing DCL trip insurance?

We are cruising the Disney Dream in June of 2012 with the podcasters.
I did not personally buy the insurance from Disney because I found a better deal with other insurance that offered more and cost less. That being said, you are certainly no dummy buying from them because you did buy protection for your trip, which hopefully will bring you peace of mind that you will be taken care of if something unexpected should arise.
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Old 02-10-2011, 02:39 PM   #10
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Trip insurance is the best! I always include it. I purchased it the on the last two cruises. It's great peace of mind. It offers you great coverage for Trip Cancellation, trip interruption, travel delays (for weather) , luggage loss or delay and medical coverage.

My luggage was damaged on our last trip, some of the items inside were damaged. I put in a claim and got money to replace a broken watch and other items. I even got new luggage.

My MIL also used it, when her room was broken into on the pre-stay, her Passports were stolen. She was given money to replace them.

I certainly don't feel like a dummy, I think of self as a savvy!
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Old 02-10-2011, 02:41 PM   #11
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Quote:
Originally Posted by Doinitwell View Post
I did not personally buy the insurance from Disney because I found a better deal with other insurance that offered more and cost less. That being said, you are certainly no dummy buying from them because you did buy protection for your trip, which hopefully will bring you peace of mind that you will be taken care of if something unexpected should arise.
WE use the same company for all of our trips. It provides more coverage at a significant cost savings. But agree that any insurance is better than no insurance!!!

Although, besides not covering existing conditions, DCL insurance doesn't cover problems with your flight delays unless you also booked your flight with them. Since weather delays or cancelled flights can impact your ability to make it to the cruise, I think this is a downfall of bookind DCL insurance if you booked airfare separately.
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Old 02-10-2011, 02:50 PM   #12
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Quote:
Originally Posted by NancyIL View Post
1. DCL's coverages are low and the price is high
2. DCL's insurance doesn't cover flights unless booked through DCL
3. DCL's insurance has no waiver of pre-existing conditions
4. If I have to cancel my cruise, I want my money back and not a credit for a future Disney cruise
1. I found the difference to be around $35, which yes is higher.

2. Honest, I didn't even really think about flights since it's a year and a half away. I'd be more concerned if traveling during the winter, but this is a June sailing. Definitely a valid point.

3. Don't you have to purchase the coverage of existing conditions if you choose a 3rd party company? Does that take it over the cost of DCL pricing? I'm not sure what they can get any of my family on in regards to pre-existing conditions? I suppose any thing that occurs could be considered a pre-existing condition and every claim could be denied. Has there been a problem with them denying lots of claims?

4. I can't just cancel my cruise a month before and get a full refund can I? The only way that can happen is if it's covered under the insurance policy. While I'd like the money back also according to Tracy at Dreams they will atleast move the cost over to a future cruise so you're not out everything. Am I not understanding that correct?
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Old 02-10-2011, 02:56 PM   #13
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Originally Posted by denas View Post
WE use the same company for all of our trips. It provides more coverage at a significant cost savings. But agree that any insurance is better than no insurance!!!

Although, besides not covering existing conditions, DCL insurance doesn't cover problems with your flight delays unless you also booked your flight with them. Since weather delays or cancelled flights can impact your ability to make it to the cruise, I think this is a downfall of bookind DCL insurance if you booked airfare separately.
Sorry I'm a such a newbie when it comes to insurance. I've never bought trip insurance before, but with the cost of the cruise I felt it necessary.

How come I didn't find that much of a price difference between DCL and *****************?
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Old 02-10-2011, 03:10 PM   #14
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Sorry I'm a such a newbie when it comes to insurance. I've never bought trip insurance before, but with the cost of the cruise I felt it necessary.

How come I didn't find that much of a price difference between DCL and *****************?
I don't use that site. I purchase my travel insurance from the same company that provides my house and car insurance.

The insurance I use cost slightly under $300 for 8 of us on our last cruise - including covering airfare. non-refundable deposits on car services and hotels and covering my MIL pre-existing condition. Disney insurance for the room alone was $675.

The coverage I purchase provides 100% of your trip cost refunded to you - not just credited towards a future cruise. THis includes refunding your full amount if your trip is interrupted (ie someone gets sick and you have to leave on Day 4 of your 7 day cruise)

But mostly, I purchase insurance that will cover military leave revocation, which most companiew won't since they consider that to fall under "act of war" conditions and it doesn't apply.

there are 3 different versions of insurance offered with this company, and this is the "lite" version. The other versions are more expensive, but include higher payouts for trip interruption or missing the trip - up to 200% of your purchase price being refunded which would be great if you got a super discounted cruise that you know you couldn't re-get for that price. They also have a "cancel for any reason" option for a fee that allows you to do just that, cancel for any reason and be refunded any non-refundable amounts paid up until the day before you leave.

For us, even the super versions with 200% refund and cancel for any reason priced out to be about the same as DCL.
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Old 02-10-2011, 03:12 PM   #15
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call me a dummy as well ... I automatically added the DCL ins on without even thinking of shopping around ... perhaps in the future
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