Trip insurance when paid with DVC points

Discussion in 'Disney Cruise Line Forum' started by sigillaria, Feb 27, 2010.

  1. sigillaria

    sigillaria Mouseketeer

    Joined:
    Sep 18, 2005
    Messages:
    191
    If you pay using Dis Vac Club points are you limited to DCL travel insurance?
     
  2. Avatar

    Google AdSense Guest Advertisement


    to hide this advert.
  3. eva

    eva Often uses her unique ability to close threads.

    Joined:
    Aug 20, 1999
    Messages:
    5,768
    You actually have to take the insurance through DVC to insure your points. But you can take any insurance you like for medical and your flight. It is a bit confusing and takes a bit more time. But I usually get insurance through the airline for the flight. Then I purchase medical on line usually through Access America. Finally I purchase point insurance through DVC if the points I'm using are quite significant. You have until the day prior to the cancelation date to purchase the insurance for your points. I normally don't get it. But we are doing a Med cruise in a cat. 6. I think I will be getting the insurance this time.
     
  4. joksten2000

    joksten2000 Cruiser For Life

    Joined:
    Aug 14, 2005
    Messages:
    1,260
    The insurance they offer only gives you $5 a point, quite a ripoff. I get $10K for my cruise that I will have to pay $19,750 to replace. Really burns me that they do this to members. They should hang their heads
     
  5. eva

    eva Often uses her unique ability to close threads.

    Joined:
    Aug 20, 1999
    Messages:
    5,768
    I pretty much agree. And I only take it when I am using a lot of points and couldn't afford to replace the trip.
     
  6. kcashner

    kcashner DIS Veteran

    Joined:
    Dec 4, 2003
    Messages:
    33,285
    $5 barely covers your dues in some locations! If you choose to insure privately to cover medical, airfare, etc. it will also cover the $95 booking fee and any other cash items you've incurred.
     

Share This Page