DVC travel insurance

[blondietink]

Considering to get the travel insurance through DVC that is offered because we actually are flying this time ..... to Hawaii and the price seemed good ($89.00 for the year). Well, that is until I spoke with a DVC cast member on the phone. The CM told me that I would have to purchase 2 years worth of insurance ($89.00 x 2) because I am using banked points from my 2012 use year plus points from my 2013 use year. HUH?

This is not how it was explained to me when I investigated it before. I was told before that once I purchased it, the insurance would be good from the date of purchase for a year.

Seems like having to buy 2 years worth of insurance for just one trip seems wrong. I feel like I am being penalized for not owning lots of points (we have 175 per use year) to be able to go to Aulani because I had to bank them. If I had say 400 points every use year, then I would only have to pay the insurance once, not twice.

Any thoughts?

 

[Disney Dreams]

Considering to get the travel insurance through DVC that is offered because we actually are flying this time ..... to Hawaii and the price seemed good ($89.00 for the year). Well, that is until I spoke with a DVC cast member on the phone. The CM told me that I would have to purchase 2 years worth of insurance ($89.00 x 2) because I am using banked points from my 2012 use year plus points from my 2013 use year. HUH?

This is not how it was explained to me when I investigated it before. I was told before that once I purchased it, the insurance would be good from the date of purchase for a year.

Seems like having to buy 2 years worth of insurance for just one trip seems wrong. I feel like I am being penalized for not owning lots of points (we have 175 per use year) to be able to go to Aulani because I had to bank them. If I had say 400 points every use year, then I would only have to pay the insurance once, not twice.

Any thoughts?

When we went to WDW last year we used points from two use years. We had to buy insurance for both years. Now, if you have any points left after Aulani in one of your use years, those points are insured as well for whenever you use them.

The insurance isn't good from the date of purchase for a year. It's good for the use year that you are insuring.

HTH,
Dreams

 

[DebbieB]

That's the way it works. When it was simplified a couple of years ago, it's a flat fee per use year. The payment for cancellation was also changed, it's the amount of your annual dues, not the flat $5 per point like before.

It is kind of deceptive on the member website:

https://dvc.disney.go.com/dvc/member/memberDetail?id=TravelInsurancePage

It just says "full year of protection". But when you go to the link to buy it, there's a dropdown for use year. I wonder if you can just buy one use year, to get the other benefits.

 

[blondietink]

Still debating here ...... $5.00 per point would have been better.