WOW< thanks for the GREAT advice, can I ask a few more questiosn?
I already purchased insurance thru Disney, can I cancel it and if so will it be cheaper with insuremytrip.com
how much do you put for per person medical?
My quote was between 250.00-375.00, is that good?
I am SO clueless when it comes to all of this
Thanks
My guess is you cannot cancel the Disney insurance.
Technically you are insured right now in case you need to cancel for an unforseen reason. It may however factor if you did not pay your trip in full yet. I guess it does not hurt to ask.
My 2007 cruise was as follows
2 Adult, 2 Kids Premium $230.20
Per person coverage (I estimated cruise cost and flight into the 946 pp)
The 946 may be at 125% of cost estimate though. Cannot remember
Trip Cancellation: $ 946
Trip Interruption: $ 1,419
Travel Baggage: $ 1,500
Baggage Delay: $ 500
Travel Delay: $ 1,000
Accidental Death
24 Hour: $ 50,000
Common Carrier: Included in 24 Hour
Flight: $ 200,000**
Medical: $ 250,000**
Dental: $ 750 Incl. in Medical
Emergency Evacuation: $ 1,000,000**
Rental Car Collision/Loss: $ 50,000**
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**Flight Insurance Policy Maximum Limit $300,000
**Accidental Death Policy Maximum Limit $100,000
**Medical Policy Maximum Limit $250,000
**Emergency Evacuation Policy Maximum Limit $1,000,000
**Rental Car Policy Maximum Limit $50,000
Funny thing about insurance you never know how good your policy is until you have to make a claim. Our fellow traveling party had same coverage and had a $350 bill on board in the infirmary. Upon returning they sent her a form and she filled it out along with copy of bill. She had check in 10 days from insurance company.
So for a minor incident I have a confirmed positive experience. Hopefully I will never have a large one.