Disney insurance even with the new flexible policy?

[DianaMB333]

Hi... would you include the Disney insurance option even with the new flexibility policy for cancelling/changing dates?
Thanks

 

[Snowwhyt]

Hi... would you include the Disney insurance option even with the new flexibility policy for cancelling/changing dates?
Thanks

Yep with or without the pandemic it helps on far more things than you realize.

 

[JM23457]

Hi... would you include the Disney insurance option even with the new flexibility policy for cancelling/changing dates?
Thanks

You definitely need travel insurance when sailing. If an accident or other medical emergency happens onboard or on a remote island, you might need a medical airlift, and those cost several tens of thousands of dollars. Travel insurance typically covers that (read the coverages & exclusions of your offered policy before buying). Disney's insurance covers that, but so do most others. You're not limited to Disney insurance.

Plus, if you get sick or injured just a week before sailing & can't go, or there's a death in your family shortly before sailing, etc., the flexibility policy won't help you if it's less than 15 days before sailing. Travel insurance will. Just read the coverages & exclusions of the policy & follow the rules if filing a claim.

 

[ahen]

My father had a stroke the morning of our February cruise, suffice it to say we did not go, but the travel insurance reimbursed us and Disney reimbursed the things I had bought for the cabin. Buy insurance somewhere.

 

[lilmc]

We’ve always relied on the insurance included with our Chase Sapphire card, but we’ve never had to use it. I hope it’s sufficient.

 

[wombat_5606]

We’ve always relied on the insurance included with our Chase Sapphire card, but we’ve never had to use it. I hope it’s sufficient.

Does it have any medical benefits?

When I'm traveling to countries outside of the US, I take into consideration what happens if I were to get very sick or injured while on a cruise or ashore. A large number of US health insurance policies have no medical coverage outside the US.

I can self insure for the loss of a typical cruise in the Caribbean. I'm not going to want to self insure for a 2 week or longer cruise in Europe. I know I'm not willing to self-insure for a car accident in St. Thomas or a stroke in Greece.

Obviously, it is rare to have any medical issues when you travel, but it would be a good idea to look at your insurance policies and make sure they are providing some type of medical coverage.

 

[BarryATL]

We have always purchased GeoBlue. We can self insure for the cost of a Caribbean cruise, but not health/evacuation. One of the great benefits of GeoBlue is it is not a reimbursement insurance. They have a network of doctors, hospitals, urgent care through out the world. The health provider will bill directly to GeoBlue. A serious health problem in another country could run tens of thousands of dollars. I only have so much available credit on a credit card.

Oh, and forgot to mention that this is a Blue Cross product.