Do Canadians buy the insurance with WDW package?

[iluvwesties]

Hi Folks,

I have my free dining package booked and paid for and was wondering if any Canadians buy the insurance offered by WDW for the trip cancellation/medical/baggage loss?

I usually buy a comprehensive plan through CAA, but after talking with the Cast member at Guest services at WDW found that the rates (even though it is US$) is a lot less

Hoping there aren't any pitfalls to purchasing insurance issued from the USA.

(CM said it was available for Canadians and is refundable up to 14 days after purchase, so I've got a few days to think it over)

Would love to know your opinions

 

[iluvwesties]

bump

Anyone?

 

[networktek]

i tried one year to buy the disney insurance but was later told that it does not cover canadians so we just get our insurance now through our bank or caa and most credit cards have some medical insruance on them

 

[iluvwesties]

i tried one year to buy the disney insurance but was later told that it does not cover canadians so we just get our insurance now through our bank or caa and most credit cards have some medical insruance on them

I was assured by the CM that the insurance now covers Canadians (I hope he was correct )

I have up until Jan 13th to change my mind and get a full refund

 

[Tinkershelly]

I don't insure the Disney portion of my trips, just the airline portion. And I get that through Continental but it is a company in Quebec. I figure if I need to cancel or postpone the Disney portion the fees are about what the insurance premiums are and from what I've heard here on the Dis, Disney is usually very forgiving when people have had to reschedule their vacations.

So far we haven't needed to use any travel insurance services, for any reason, but to my mind it's better to be insured, and this is what we find worth spending some money on upfront.

 

[vacation_junkie]

Hi Folks,

I have my free dining package booked and paid for and was wondering if any Canadians buy the insurance offered by WDW for the trip cancellation/medical/baggage loss?

I usually buy a comprehensive plan through CAA, but after talking with the Cast member at Guest services at WDW found that the rates (even though it is US$) is a lot less

Hoping there aren't any pitfalls to purchasing insurance issued from the USA.

(CM said it was available for Canadians and is refundable up to 14 days after purchase, so I've got a few days to think it over)

Would love to know your opinions

Since we travel once or twice a year we have an annual policy on our Bank of Montreal Mastercard. We were paying per trip and it was expensive. I know some other credit cards have the option as well but our BMO card has the best coverage...below is off the BMO website. We have medical coverage through both our places of Employment so we pay $60 ..... if we needed the full medical is would only be like $99...and it covers everyone in your travel party/family...

BMO MasterCard Travel and Medical Protection – Annual Coverage

Year-round coverage whenever and wherever you travel
You have enough to worry about when you’re planning a trip. With BMO MasterCard Travel and Medical Protection, you’re always covered – with the payments charged conveniently to your credit card.

Affordable Protection
Basic Coverage - $29-$49/year
Comprehensive Coverage - $60-$89/year
Total Coverage - $99/year - Save $50/year
Basic Coverage
BMO Travel Protection - $29*/year
(Included with BMO Gold AIR MILES® MasterCard)

Collision damage waiver insurance for car rentals
Up to $500,000 in common carrier accidental death and dismemberment insurance**
Unexpected return home and trip assistance
Unlimited number of trips per year
BMO 17 Day Medical Protection - $49*/year
Must be under age 65

Up to $2 million reimbursement for eligible costs, including emergency hospital, ambulance and medical expenses
Up to $5,000 towards the cost of a Private Duty Nurse
Up to $2,000 per family member towards emergency dental expenses
Emergency air transportation by air ambulance to the nearest appropriate medical facility or to a Canadian hospital
Year-round coverage for trips up to 17 days in length
Unlimited number of trips per year
Back to top
Comprehensive Coverage
BMO Travel Protection with Trip Cancellation – $60*/year
Collision damage waiver insurance for car rentals
Up to $500,000 in common carrier accidental death and dismemberment insurance**
Up to $2,500 per family member and $5,000 per account towards costs associated with trip cancellation
Up to $2,000 per family member towards costs associated with trip interruption or trip delay
Up to $750 per trip, per family member towards costs associated with baggage delay, loss or damage
Up to $500 per account per trip towards costs associated with delayed flights
Unexpected return home and trip assistance
Unlimited number of trips per year
BMO 31 Day Medical Protection– $89*†/year
Must be under age 65

Up to $2 million reimbursement for eligible costs, including emergency hospital, ambulance and medical expenses
Up to $5,000 towards the cost of a Private Duty Nurse
Up to $2,000 per family member towards emergency dental expenses
Emergency air transportation by air ambulance to the nearest appropriate medical facility or to a Canadian hospital
Year-round coverage for trips up to 31 days in length
Unlimited number of trips per year
Back to top
Total Coverage
BMO Total Travel and Medical Protection - $99*/year Save $50/year!
Enjoy complete peace of mind with both BMO 31 Day Medical Protection and BMO Travel Protection with Trip Cancellation
Save $50 every year compared to the combined $149/year price
Protects you and your family for an unlimited number of trips per year
Age (Cardholder and Spouse) Annual Fee
†Under 65 $99
65-69 $299
70-74 $399

Back to top

Learn More

*Full details of coverage, limitations and exclusions are available in the insurance certificate that will be sent to you upon enrolment. Insurance benefits provided by Allianz Global Risks US Insurance Company.
**Common Carrier Accidental Death and Dismemberment Insurance is provided by Chubb Insurance Company of Canada.

 

[Ted in Halifax]

http://www.disboards.com/showthread.php?t=2815107

You may wish to check this out by DaniB

 

[iluvwesties]

Thanks for posting everyone

My flights will originate from the US, and are with SWA & Jetblue, so I think that credits would be issued if an emergency occurred.

It's the medical thing I'm always concerned about.

I like the info posted by vacation_junkie about BMO Mastercard and as I have one, I am going to check this out

Thanks again

 

[Sue M]

I have a CIBC Infinate card with all that insurance on it too But I always get CAA travel insurance. I get an annual policy.

 

[Alderbrook]

The health insurance part of it sucks $10,000 for medical & $10,000 for sickness. We always buy thru CAA.

Here's a link to the policy. We did buy it but only for the cancellation portion of it.

http://disneyworld.disney.go.com/me...VacationPackage/CT 004258 P1 0810 GENERIC.pdf

 

[minnie56]

Disney's insurance has limitations for Canadians..stick to a Canadian provider.
As for CIBC Infinite..I have that as well. It covers medical and trip interruption..not cancellation. Again..limited. You really have to read what is covered and the amounts.

I have an annual policy on my Homeowners via Intact-Travelwell. Just over $130 a year for my family of 4 adults. Excellent coverage for medical..cancellation...interruption.

Wouldn't be without it!

 

[Alderbrook]

Disney's insurance has limitations for Canadians..stick to a Canadian provider.
As for CIBC Infinite..I have that as well. It covers medical and trip interruption..not cancellation. Again..limited. You really have to read what is covered and the amounts.

I have an annual policy on my Homeowners via Intact-Travelwell. Just over $130 a year for my family of 4 adults. Excellent coverage for medical..cancellation...interruption.

Wouldn't be without it!

I asked our agent (Statefarm) about travellers insurance on our home owners policy & they told us they don't do it & that they really had never heard of it. Who are you insured with for your home owners?

 

[minnie56]

We're with Intact for our cars/home/business - everything!
We were always with ING..then suddenly it became Intact. I think they may be called that here now but are still in fact ING? Not 100% sure..


https://www.intactinsurance.com/intact-insurance-ontario.html