Does anyone Here Insure their WDW Trips?

[3mickeys&me]

We are going in November for 4 nights.

I know Disney provides the option for Insurance, which is fine, but I didn't book my flight through them. Would I be better off getting trip insurance through someone else and include my entire trip w/ flight or just go with Disney and insure the park/hotel part?

Help

 

[rt2dz]

I am a big insurance person. We insure our house, cars (beyond what is required), have excellent health insurance, ample life insurance, have umbrella policies, etc. However, I do not insure any vacation. I just don't see the cost benefit. The odds of using it are so slim, and most of it is refundable anyhow, or at least can be rescheduled... We went between Ivan and Jeanne last year, and we had to cut our trip short, but Disney was waiving cancellation policies so it didn't matter. When it comes to vacations, I take my chances.

So, in case I wasn't clear enough, no we don't insure our trips.

I suggest if you are considering insuring a trip, I would shop around for the cheapest insuriance, not necessarily the one Disney sells.

 

[Colinsmom]

Read the policy before purchasing insurance. It is amazing what they exclude! So you really aren't getting as much protection as you think that you are. Also consider your refund policy - even with our WDW package (paid in full 45 days in advance), we only lose $200 unless we cancel within 5 days of our check-in date. Insurance almost costs that much! So the insurance would really only protect us if we cancelled less than 5 days before leaving, and for a limited number of reasons.

I'm a big insurance person, too, but for those reasons, skipped it.

 

[stacy6552]

The one time I ensured our trip (through the disney web site agent), we had to cancel and the insurance didnt pay off at all, not one red cent. However, we have since been awarded a settlement as part of a class action suit over the insurence. So hopefully they have worked out whatever kinks and loopholes the ins company wiggled through.

 

[powellrj]

We also have lots of insurance, but never get trip insurance. Most of what we get can be canceled for cheaper than the insurance would cost us.

 

[pbharris4]

As long as you have health insurance that could be used down in Florida then I really wouldn't waste the $$ on it. Just be aware of all the cancellation policies before booking. If you buy park passes that do not expire then that shouldn't be a problem either because you could use them at a later date. The only thing I WOULD buy insurance for is a cruise vacation because you are out in international waters and your insurance probably wouldn't cover you there.

 

[CleveRocks]

As long as you have health insurance that could be used down in Florida then I really wouldn't waste the $$ on it. Just be aware of all the cancellation policies before booking. If you buy park passes that do not expire then that shouldn't be a problem either because you could use them at a later date. The only thing I WOULD buy insurance for is a cruise vacation because you are out in international waters and your insurance probably wouldn't cover you there.

I believe the OP is talking about trip cancellation insurance, not health insurance to use while on a vacation.

-- Eric

 

[scrapperjill]

We also have lots of insurance, but never get trip insurance. Most of what we get can be canceled for cheaper than the insurance would cost us.

Are you sure about that? We just purchased trip insurance for our upcomming trip for a mear $100 for our family of four. And I am sure our fees for canceling would be alot more than $100.

I don't know that I would insure my WDW trip alone...because after reading the refund and cancelation policies...they seem to be good...(AAA states the WDW cancleation fee would be $200 if cancled between 0-5 days)....or apply a $50 fee to change dates (I think)....butwe didn't just insure the WDW trip...but we included our airfare...WDW portion (Resort/Park tickets/MNSSHP tickets/ and meal plan), and our Disney cruise to the insurance package...And I know the DCL refund policy isn't as forgiving as the WDW portion is...it's only a % of the cost of the trip...and the closer you get the lower your refund will be.

Anyway...I'm eager to read the policy notices since we JUST purchased it...to find out exactly what is and isn't covered (we have a 15 day "look over" time to back out of the policy)