DCL Insurance

[princessjadesmom]

Does anyone know if DCL insurance covers pre and post WDW stays?

 

[DISNEY FANTASY]

As I understand it it only covers what DCL books for you ie their cruise the flights they book. Not WDW.

The general feeling is it is not a good product and its best to buy your own trip insurance.

 

[princessjadesmom]

I wish I would have bought my own insurance, but unfortunately I already purchased the DCL insurance.

 

[DISNEY FANTASY]

I wish I would have bought my own insurance, but unfortunately I already purchased the DCL insurance.

Lesson learnt...

 

[Vegam060]

How does one purchase their own insurance? I was having second thoughts about not booking it and kind of want it now!

 

[DVCTX]

How does one purchase their own insurance? I was having second thoughts about not booking it and kind of want it now!

I would suggest you do a Google search for trip insurance. There are a large number of companies that sell trip insurance directly to you the consumer.

 

[JenPinks]

I would suggest you do a Google search for trip insurance. There are a large number of companies that sell trip insurance directly to you the consumer.

Is is cheaper, better coverage? What is the benefit?

 

[DVCTX]

The coverage can be more comprehensive. For example, if you book your own airplane flights, the DCL insurance will not cover the cost of the flights if you need to cancel your trip. Also you can obtain higher coverage limits, add coverage for medical/dental emergency expenses and add a "cancel for any reason" rider. Does it cost less? Usually, but it depends on the policy you select and the issuing insurance company. Some are more, many are less.

 

[turtle27]

I purchase independent insurance for a number of reasons, I don't book my entire trip through Disney as their airfare is normally sky high.
I also can purchase it with pre-existing condition waiver, more comprehensive, and cheaper. Also, I get cash back and I think part of the DCL coverage is that you get a credit to use on a future sailing (in some instances). Also, as I add things to my trip, hotel, transport, an extra day here, airfare, I just call my TA and she takes care of changing my policy and telling me how much more I owe to cover the additional amounts. Also, the coverage offered by the company I use is much better than DCL's for lost luggage, delays, etc.

 

[MarleneP]

I did purchase DCL Insurance. I did have to use it because my DS got sick and had to see the ship doctor. I did get total reimbursement of the cost of the visit and medication. We went to WDW after and he had to see a doctor again and I had to go through my regular health insurance. The DCL ins only covered to days on the cruise.