Cruise Deposit question

[ruadisneyfan2]

To answer your question, "do they mean if it's denied by the insurance company or for any reason not covered," the answer is both. It was explained to me that, even if we cancel for a reason that we know is not covered, we were told to still go ahead and file a claim. Obviously, it would be denied, but once they had a formal denial, they can then process the credit for the appropriate amount.

So, in your example, if it happened during the 50% cancellation fee period, 50% of the total cruise amount would get refunded and 50% would be credited toward a future cruise.

Please feel free to have the family call DCL Insurance to confirm their policy details. Also, remember that the insurance would need to be added prior to paying in full. Hope this helps!

Thanks! I think she'll be calling today. I emailed her a copy of the PDF brochure that a pp posted.
This is way better than them having to cancel at PIF date and then find out later that they could have still cruised!

 

[niklynn1]

I'm reading this thread with rapt interest, as I've been trying to make a decision myself.
We will be flying out of Iowa right after Christmas. Chances of weather causing flight problems are a big concern for me. This year we had a massive snowstorm ON Christmas Eve/Day and a co-worker leaving on a cruise had major problems getting to the port.
Sooo, I will definitely want insurance that WILL cover flights. If I let Disney book my flights, are they generally more expensive, and do I have any control over times?
If I book my own flights, I HAVE to get private insurance, correct? Disney's won't cover them?

 

[ruadisneyfan2]

I'm reading this thread with rapt interest, as I've been trying to make a decision myself.
We will be flying out of Iowa right after Christmas. Chances of weather causing flight problems are a big concern for me. This year we had a massive snowstorm ON Christmas Eve/Day and a co-worker leaving on a cruise had major problems getting to the port.
Sooo, I will definitely want insurance that WILL cover flights. If I let Disney book my flights, are they generally more expensive, and do I have any control over times?
If I book my own flights, I HAVE to get private insurance, correct? Disney's won't cover them?

I wonder if you really wanted DCL's insurance, could you still buy just private insurance for just your flights and travel delay insurance. Say you're stuck in FL due to snow back home and need extra hotel days, food, etc. This happened to my parents in Feb and their insurance (through Celebrity CL) covered up to $1000 (or $500 pp)
If you're flying Southwest, you almost don't need insurance for the cost of the flights since you can cancel anytime, or even no show, and keep the funds that you originally paid for up to 1 yr from purchase date.
So many 'what ifs...'

 

[ThereYouSeeHer]

I'm reading this thread with rapt interest, as I've been trying to make a decision myself.
We will be flying out of Iowa right after Christmas. Chances of weather causing flight problems are a big concern for me. This year we had a massive snowstorm ON Christmas Eve/Day and a co-worker leaving on a cruise had major problems getting to the port.
Sooo, I will definitely want insurance that WILL cover flights. If I let Disney book my flights, are they generally more expensive, and do I have any control over times?
If I book my own flights, I HAVE to get private insurance, correct? Disney's won't cover them?

Yes, Disney's insurance only covers what is booked through Disney. But as the pp mentioned, you could use Disney's insurance for the cruise portion and purchase private insurance to cover flights booked on your own.

Since we always drive everywhere, I don't have experience with Disney's pricing and options for airline booking. But I'd be curious to know if they are competitive as well!

 

[ruadisneyfan2]

I've never bought DCL air but I've heard here that they often have you fly down same day as sailing which I don't like to do. Also they charge a fee to have airfare changed to what you like.
Maybe someone with experience could elaborate.