Do you get the insurance??

[NJDisneymom]

I called to book our trip the other day and I said yes to the insurance for $122. Honestly, booking a $5,000 trip I didn't blink at $122.

Of course then I'm second guessing it. I'm sure if I gave it up something would happen and I would be sorry. But I'm just wondering do most people take this insurance? Has anyone actually had to use it or been sorry they didn't take it?

 

[ladyhawk14624]

I've never bought trip insurance before but I did before our upcoming trip. It's winter and we're in Upstate/Western NY. That means plenty of cold and snow etc. I felt it was better to be safe than sorry. Hopefully we won't use it at all but I don't regret buying it at all. We figured that if we hadn't bought it then of course, something would have happened. This way we're covered. And like the OP said, when you're paying several thousand for a vacation how can you complain about another 100 or so for insurance? That said, we also paid the extra $6 per person per flight for our seats on Airtran. We considered that yet another type of insurance.

 

[RMulieri]

We buy it each and every trip and needed to use it once.For us its worth it, not so much for cancellation since disneys policy is pretty great on this, but for trip interruption.

 

[babyrich]

We get every time. We book our trip so far in advance you never know what could happen. Last year we had 3 weeks to go and I ended up in the hospital for a week with Ileitus. I couldnt eat and was in so much pain. We didnt want to go to F&W if I couldnt eat. Luckily, I was fine by the week of our trip. We were so happy we had the insurance.

 

[mom2taylorandemily]

We've only gotten in once, the year my father was diagnosed with cancer and we had no idea how long he was going to be with us. We haven't bought it since. We may have to for anything we scedule for the next few years, my mom is getting up in years and well, it can't hurt to be safe rather than sorry.

 

[mamawee]

we take it. especially since we are travellin with kids

 

[nkereina]

I don't usually because I'm always penny pinching while planning vacation, but I bought it this year since we'll be traveling during hurricane season.

 

[wdwmom0f3]

We never get it, but we drive so I don't have to worry with the cost of flying and all of that. My mother is flying this time and my step dad is getting on up there in age so we added it to her package.

 

[TDluvsDaisy]

I don't get the Disney insurance but I do get insurance from insuremytrip.com. I find it to be cheaper there.

 

[Nadjalu]

The first 2 trips we didn't get it, but did for this upcoming trip. (funny that seems to be a trend right now???)

Anyway, for whatever reason my gut told me to go with it. I am hoping I don't need it, but who knows.
We are leaving in 9 days and the winter seems to be affecting some traveling, so hoping to not need it, but just in case.

 

[mom of 3G's]

I bought it for our trip in Dec. 2010. I figured travelling with 3 kids and living in North Dakota chances were pretty high that either the kids would get sick or our flights would be cancelled because of the weather. I am glad I spent $133 on the insurance, because we did end up having to stay another 2 nights because the airport in Minneapolis shut down. I have filed my claim and am awaiting the payment.

 

[mickey&minniealways]

Are you flying and which airline. It can make a difference. We are going Delta and it is costing 75 for the 5 of us. We always get it. If something is going to happen with our luck it will happen to us. Murphys law and all that.

 

[lilandvisma]

What does it really insure? Through Disney and Airfare? TIA!

 

[pepe of ohio]

Never bought it or even gave it a thought....we're going to Disney, one way or another.........and you never know what you're insured for...read it carefully....

 

[Tiggerlover91]

Never bought it or even gave it a thought....we're going to Disney, one way or another.........and you never know what you're insured for...read it carefully....

 

[nrpofp]

No If you have to cancel at the last minute you only lose 200 dollars. I would not cancel anyway I would just reschedule. I know it covers other things while your on vacation, but I already have health,dental,car insurance and credit cards that cover about anything that could possibly happen. If I was going during hurricane season I might consider it.

 

[Pinnochio]

I know what u mean...my mom is getting up there too (80) and i purchased it for that reason....i didn't even tell her cuz she would have thought it a waste but u never know...

 

[disneydreamkate]

We purchased this year, in part, because we are at the mercy of the weather and the airlines! Also in case of trip interruption! Hopefully we won't need it.

 

[disneymom06]

Of all our trips, and we drive so airfare is not an issue, I have never purchased insurance. Only once did I have to cancel, cost $200, so I figure that I am still ahead.

 

[CleveRocks]

I buy travel insurance, but it has NOTHING to do with losing any of our travel fees. It has EVERYTHING to do with health insurance coverage.

We have good health insurance, but when you travel out of your area, and you have an emergency, your insurance coverage will be very different from home. You might have to pay up front (or be billed) and then seek reimbursement from your insurer.

If you have coverage where you have to pay a substantial percentage for "out of network" care, that can add up very very quickly. Your policy may make exceptions for "emergencies," but the emergency is over pretty quickly, and if you need a few days of in-patient hospitalization afterwards, your insurance company will probably tell you that you should come home and if you stay in the hospital in Florida you'll need to pay out-of-network rates because it's not an emergency that you stay down there. A few days in a hospital could easily cost you $30,000. If you're responsible for paying 40% of out of network costs, that'll be $12,000, please.

You may have needs not covered by your health insurance at all, such as an emergency medical flight, or the opposite, the need for a rental vehicle to drive home because you need oxygen and you can't bring that on an airplane.

My wife is a physician, and every few months she hears FINANCIAL horror stories from people who got hurt while on vacation and had to spend thousands out of pocket or are in the process of having their credit ruined by out-of-network medical bills that they can't pay for themselves.

No way I'd bother paying $134 to protect myself from losing $200. We buy it to protect from the tiny chance of ungodly medical bills that our normal health insurance won't be so helpful with.