Disney's insurance

[FigmentSpark]

So, we have booked and put our down-payment down, but our PIF isn't for several months yet. We did not buy the Disney travel insurance, mostly because I didn't think of it. Now, I'm second guessing. I thought I was covered by my credit card insurance, but I might not be.

First, can I still get travel insurance tacked on to my cruise or do I have to go elsewhere? Is it better to 'shop around' for travel insurance or not?

Also, roughly, can anyone tell me what I would be looking at for a 7 night Fantasy cruise for 4 people?

Thanks.

 

[PrincessShmoo]

So, we have booked and put our down-payment down, but our PIF isn't for several months yet. We did not buy the Disney travel insurance, mostly because I didn't think of it. Now, I'm second guessing. I thought I was covered by my credit card insurance, but I might not be.

First, can I still get travel insurance tacked on to my cruise or do I have to go elsewhere? Is it better to 'shop around' for travel insurance or not?

Also, roughly, can anyone tell me what I would be looking at for a 7 night Fantasy cruise for 4 people?

Thanks.

Yes, you can still add DCL's insurance. I'd suggest you look for 3rd party coverage elsewhere. Typically you can get better coverage for a lesser cost that way.

There are several travel insurance comparison sites (google that) where you put in the parameters of what you want covered, and they will show you many companies policies for comparison. We've always gone with doing that.

Generally, you want insurance for anything you would be out of pocket for. Non-refundable stuff. Some plans also cover kids free, if you purchase for adults.

We always get it for the medical/evacuation coverage, because many US health plans do not cover out of country (that's where you are once you board the ship) and those costs can be astronomical, if required.

 

[FigmentSpark]

I think my husband's medical plan covers most out-of-country things, but that's a good point about evacuations. I was just thinking about things like not making the flight or getting sick before we board and not being allowed to board. Thanks for the tips.

 

[PrincessShmoo]

I think my husband's medical plan covers most out-of-country things, but that's a good point about evacuations. I was just thinking about things like not making the flight or getting sick before we board and not being allowed to board. Thanks for the tips.

Be sure to check that medical coverage. One note on that, if you need to use the medical facilities onboard (or in port) you'll have to pay up front and be reimbursed by your personal health coverage (or insurance) once back home.

 

[soniam]

You can add Disney's up until final payment, I think. Some of the ones we were looking at covered more if you bought it within 14 or 15 days of initial payment, which I took to mean the deposit. So, you might want to start checking soon. We were looking for a 7 night WC on Fantasy in summer 2017. The cruise cost was about $7000 for 3 people, and the total insurance prices were ranging from $200-$600, depending upon the coverage.

 

[AtticusandArella]

I will look outside company for insurance. They have better cover than what DCL offer. We always use Allianz travel insurance.

As for the fantasy, I think it's depend on the itinerary. I booked Wonder for 7 nights to go Caribbean this December for $4900 for 4 of us.

 

[FigmentSpark]

We're past our 'within two weeks of booking', so I guess no deals. We have 4 people, but two staterooms. I wonder if the insurance is per person or per stateroom+people? Does the Disney insurance cover on board medical?

Of course, if we go with Disney insurance, that only covers the cruise and not our land time or flights, I assume?

 

[PrincessShmoo]

We're past our 'within two weeks of booking', so I guess no deals. We have 4 people, but two staterooms. I wonder if the insurance is per person or per stateroom+people? Does the Disney insurance cover on board medical?

Of course, if we go with Disney insurance, that only covers the cruise and not our land time or flights, I assume?

DCL insurance will cover whatever you paid for through DCL. So, if you booked your flights independently, they won't be covered.

If you need the pre-existing condition waiver, you should check around. Some plans have a "must buy within 21 day" window for that. There are other companies that have longer ones, like 30 days.

Generally, for 3rd party insurance, you purchase one plan to cover whatever you want. Total number of people, non-refundable expenses, medical, evacuation, trip cancellation/delay, baggage delay/loss, cancel for any reason, flight delay, missing the ship, whatever.

 

[FigmentSpark]

I think I might have messed up. I have insurance on one of my cards, but only if I pay in full with that card. Naturally, I used the other card for points for the down-payment. I guess I'm buying third party insurance.

 

[PrincessShmoo]

I think I might have messed up. I have insurance on one of my cards, but only if I pay in full with that card. Naturally, I used the other card for points for the down-payment. I guess I'm buying third party insurance.

Not a bad thing. 3rd party insurance typically costs less and has better coverage. Just us one of the travel insurance comparison sites (google that) to get different policies to compare. Any questions, call the customer service number for the comparison site, they've always been very helpful for me.