Trip insurance question - The DIS Discussion Forums

Bertie131 · 02-09-2013, 07:20 AM

Best place to purchase it for DVC trip and how soon do I need to add it? Thanks so much!

Bertie131 · 02-09-2013, 07:56 AM

Anyone?

mcorbo · 02-09-2013, 09:04 AM

The answer would depend on what you are looking to cover with the insurance. Since a DVC points reservation has no cash value, if you are looking to protect your points reservation in the event you need to cancel, the only option is the insurance through DVC.

Bertie131 · 02-09-2013, 09:44 AM

Thank you so much.

BirdsOfPreyDave · 02-09-2013, 09:53 AM

I've done the insurance through DVC in the past. The only thing I dislike about it is that the insurance coverage dates apply to the point's use years and not the dates of the trip. If you have a trip that uses banked, current, and borrowed points, you need to have purchased the insurance for all three of those use years to be fully covered. If you plan to keep purchasing the coverage every year, it's probably not as big of a deal. But it really torqued me off when MS explained to me why I needed to buy two years worth of coverage for a trip.

maburke · 02-09-2013, 10:26 AM

Quote:

Originally Posted by BirdsOfPreyDave

I've done the insurance through DVC in the past. The only thing I dislike about it is that the insurance coverage dates apply to the point's use years and not the dates of the trip. If you have a trip that uses banked, current, and borrowed points, you need to have purchased the insurance for all three of those use years to be fully covered. If you plan to keep purchasing the coverage every year, it's probably not as big of a deal. But it really torqued me off when MS explained to me why I needed to buy two years worth of coverage for a trip.

I can see why that would be annoying. It's never made sense to me that the cost is not related to how many points you use, just on what UY's they come from. But I'm in the habit now of buying it every year when I pay my dues, so that it covers pre-existing conditions.

P.S. Thanks for the DVC image files for the sig! Just did mine today.

Piglets Mommy · 02-11-2013, 03:42 PM

Am I correct in understanding that Airfare is not covered? While it would stink to lose points, air will be a large portion of our trip, so I am guessing I need another policy for that. I am new at all of this, so any input/advice you have is grat. I used to use travelex/access america for my trips, but I guess at this point I need to do air and point insurance seperately.

TIA for your help!

jekjones1558 · 02-11-2013, 04:19 PM

Airfare insurance IS included. That is actually why we buy the DVC insurance. Since we do multiple trips/year the DVC insurance is a bargain for us.
Here is a link to the policy. Look at page 5 of the PDF (pages 15 - 16 of the contract) for info on airfare coverage.

http://www.travelexinsurance.com/Sta...0201_00000.pdf

maburke · 02-12-2013, 04:23 PM

Can anyone tell me where on the DVC website to buy the insurance? I can't find it anywhere!

jekjones1558 · 02-12-2013, 04:29 PM

Quote:

Originally Posted by maburke

Can anyone tell me where on the DVC website to buy the insurance? I can't find it anywhere!

I couldn't find it either. It may be on there but navigation on the DVC member site has always been convoluted, IMHO. I just called MS to buy the insurance. I was sent an email to confirm and it has the link to the policy also.

BirdsOfPreyDave · 02-12-2013, 06:35 PM

Quote:

Originally Posted by maburke

Can anyone tell me where on the DVC website to buy the insurance? I can't find it anywhere!

Quote:

Originally Posted by jekjones1558

I couldn't find it either. It may be on there but navigation on the DVC member site has always been convoluted, IMHO. I just called MS to buy the insurance. I was sent an email to confirm and it has the link to the policy also.

Oh, it's in a very logical place on the web site -- NOT!

Check under Vacation Planning -> How to Book. It's about 3/4 of the way down.

jekjones1558 · 02-12-2013, 06:44 PM

Quote:

Originally Posted by BirdsOfPreyDave

Oh, it's in a very logical place on the web site -- NOT!

Check under Vacation Planning -> How to Book. It's about 3/4 of the way down.

You are a lot smarter than I am. I clicked all over the place but gave up before I found it. Bravo to you!

maburke · 02-12-2013, 07:10 PM

Quote:

Originally Posted by BirdsOfPreyDave

Oh, it's in a very logical place on the web site -- NOT!

Check under Vacation Planning -> How to Book. It's about 3/4 of the way down.

Thanks so much!

Hey, when did the price go up? Wasn't it $79 last year?

02-09-2013, 07:20 AM	#1
Bertie131 Mouseketeer Join Date: Apr 2008 Posts: 473	Trip insurance question Best place to purchase it for DVC trip and how soon do I need to add it? Thanks so much!

02-09-2013, 09:04 AM	#3
mcorbo Just tag me the DUH Master... Join Date: Jan 2001 Location: Joisey Posts: 761	The answer would depend on what you are looking to cover with the insurance. Since a DVC points reservation has no cash value, if you are looking to protect your points reservation in the event you need to cancel, the only option is the insurance through DVC. __________________ Mike

02-09-2013, 09:53 AM	#5
BirdsOfPreyDave DIS Veteran Join Date: Jul 2006 Location: Portsmouth, VA Posts: 4,608	I've done the insurance through DVC in the past. The only thing I dislike about it is that the insurance coverage dates apply to the point's use years and not the dates of the trip. If you have a trip that uses banked, current, and borrowed points, you need to have purchased the insurance for all three of those use years to be fully covered. If you plan to keep purchasing the coverage every year, it's probably not as big of a deal. But it really torqued me off when MS explained to me why I needed to buy two years worth of coverage for a trip. __________________ Help! I'm addicted to profile badges!

02-11-2013, 03:42 PM	#7
Piglets Mommy New Rule: The first person to reply on any thread needs to quote the OP. That way when someone does the delete of nevermind edit we know what was there. Join Date: Apr 2007 Location: Pennsylvania....way too far north of the Mouse! Posts: 7,283	Am I correct in understanding that Airfare is not covered? While it would stink to lose points, air will be a large portion of our trip, so I am guessing I need another policy for that. I am new at all of this, so any input/advice you have is grat. I used to use travelex/access america for my trips, but I guess at this point I need to do air and point insurance seperately. TIA for your help! __________________ DH Me DS ,13 DD,9

02-11-2013, 04:19 PM	#8
jekjones1558 Always happy at Disney Join Date: Oct 2000 Location: MN Posts: 7,445	Airfare insurance IS included. That is actually why we buy the DVC insurance. Since we do multiple trips/year the DVC insurance is a bargain for us. Here is a link to the policy. Look at page 5 of the PDF (pages 15 - 16 of the contract) for info on airfare coverage. http://www.travelexinsurance.com/Sta...0201_00000.pdf __________________ Jean I'm an OL Groupie!Dec. 2012

02-09-2013, 07:56 AM	#2
Bertie131 Mouseketeer Join Date: Apr 2008 Posts: 473	Anyone?

02-09-2013, 09:44 AM	#4
Bertie131 Mouseketeer Join Date: Apr 2008 Posts: 473	Thank you so much.

02-12-2013, 04:23 PM	#9
maburke DIS Veteran Join Date: Mar 2002 Location: Atlanta Posts: 1,004	Can anyone tell me where on the DVC website to buy the insurance? I can't find it anywhere! __________________ Meghan & DH & ds 16 ds 13 (both with autism) dd 9 1972: Contemporary; 1991: Radisson; 1994: OKW; 2001: BC & Disney Wonder; 2002: BWI; 2003: BCV; 2004: OKW; 2005: BWV; 2006: HHI, GCH@DL; 2007: BWV, GCH@DL; 2008: BCV; 2009: AKV-Kidani/VB & THV; 2010: BLT/BCV; 2011: VGC; 2012:OKW

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