Disney's Vacation Insurance

[bride03]

I was thinking the other day (after reading a thread on theft at Disney) that I want to make sure that whatever I take is covered somehow. What exactly does my vacation insurance, that I purchased with my trip, cover??

 

[CarolA]

Depends.

However, in most cases jewerly and electronics have very limited coverge. First check with your homeowners. It may be covered under that. (My Digital is covered under my homeowners for example)

 

[bicker]

Also, be sure to compare the resort's insurance with private insurance, using a service such as insuremytrip.com. Generally, you're better off with the resort's insurance only when they insure something that a private insurer will not insure, such as is the case with DVC points. Also, keep in mind that the value of freebies and the specific amount of discounts generally cannot be insured. (You can get some coverage for being displaced, but that's not the same as having the amount of the discount insured.)

I've found that I'm much better off financially self-insuring, based on how much it costs to buy insurance, how often I incur a loss, how much loss, and how much insurance would cover in case of loss. It might make you cringe to break out the credit card to pay full-fare to get you and your family home in case the worst happens, but unless your credit card doesn't have that much credit on it, taking that risk is, in the long-run, going to be a better financial deal than buying insurance.

By the same token, when I'm on a cruise, my credit card CANNOT cover the cost of a medical evacuation, so I always purchase travel insurance on a cruise.

 

[bride03]

Well I'm pretty much just wondering about my belongings in my room. I think I'm going to check with my renter's insurance about it but hopefully somebody knows something about the insurance that I bought with Disney.

 

[princessvacg]

I purchase the disney insurance and it has come in handy. Three years ago, my luggage was stolen, long story...but I had the luggage returned to me 6 days into my 8 day trip. It was the airlines fault. Someone stole everything including my unerwear??? The only thing that was in there was my blowdryer and my husbands things. The disney insurance replaced everything!! I received a check after about 3 weeks for everything that was in the luggage. It was well worth it.