DVC Travelex Insurance - Confused about what it actually covers!

[eandesmom]

We are traveling July/August and have some tight date constraints on both ends. With it being hurricane season and a seriously expensive trip, I'm seriously considering travel insurance. Often I'll buy flight only insurance but when I booked the flights, looking at wrap around options ended up being much more attractive cost wise.

Our trip is

Vero - DVC Cash rate 2 nights, Points 2011 UY
Dream
AKV - Points 2011 UY and 2012 UY

My options are, one or the other of the following...or both.

• DVC/travelex. Would need to get 2 use years worth as the trip spans 2 years of points.
• Travel Guard by Chartis.

What confuses me about the DVC coverage is...

1. Will the DVC coverage, cover the cost of the cruise? In reading the plan it implies that it covers flights, cruise connections, travel delays. However as the cruise wasn't booked with points I'm not sure if that is true, even though it is part of the same trip. I assume it does not but would love actual validation of that assumptions.
   
2. How are the actual points addressed? I believe that the DVC coverage would cover the dues cost for the points used, but what about the actual points themselves? Are you just out? I don't see that addressed.
   
3. Part of our DVC reservation is cash, with the member discount. Would that be covered? I'd assume so but....

Vero appears to have a hurricane plan already as part of any reservation so there is some additional coverage there I think if needed. It seems to me that the main advantage of the non DVC plan is to cover the cost of the cruise, it also has significantly higher emergency evacuation coverage.

Options for this peace of mind are....

1. DVC Travelex only $158
2. Travel Guard by Chartis only $194
3. Combo DVC and Cruise only Chartis plan $268
   OR
4. DVC Travelex 2011 UY only for the front end of the trip since they are all the same UY and Cruise only Chartis Plan $189

Thoughts?

 

[njanimalkingdom]

We use travel guard for the points and Access America for cash portion. We have filed claims with both and never had a problem with being paid.

 

[eandesmom]

We use travel guard for the points and Access America for cash portion. We have filed claims with both and never had a problem with being paid.

Thanks! Do you mind me asking what kind of claim on the points portion?

 

[njanimalkingdom]

We had to reschedule a trip. They paid us $5 per point for points that went unused (better than nothing). Also points were transfered to Disney Collection and they covered the $95.00 fee.
We never travel with out insurance. We have been stuck in Disney twice and had to cancel 2 trips.

 

[eandesmom]

We had to reschedule a trip. They paid us $5 per point for points that went unused (better than nothing). Also points were transfered to Disney Collection and they covered the $95.00 fee.
We never travel with out insurance. We have been stuck in Disney twice and had to cancel 2 trips.

That's definitely better than nothing! I wonder if they'd cover anything on non converted points. Heaven forbid something happened, we'll be beyond our banking date about 3 days into the trip so it's good to know that there would maybe be some hope there if something really did happen.

As it is I think we are going to have to fix 1-2 of the tickets and eat some change fees before the trip so having some back up during is starting to feel like a requirement.

 

[mamilovesdisney]

We use travel guard for the points and Access America for cash portion. We have filed claims with both and never had a problem with being paid.

How did you get travel guard if the DVC insurance is through travelex? I am thinking I may bite the bullet too because we are going in hurricane season too.

Thanks for the info in advance!

 

[njanimalkingdom]

Travel Gaurd used to be the insurance company DVC recomended before Travelex. Travel Gaurd still offers the program but DVC doesn't push members there anymore. I think it covers the same as Travelex but it is cheaper.

 

[jekjones1558]

Travel Gaurd used to be the insurance company DVC recomended before Travelex. Travel Gaurd still offers the program but DVC doesn't push members there anymore. I think it covers the same as Travelex but it is cheaper.

That depends on how many points you have. Travelex is a bargain for us. We insure 1150 points for the yearly fee (what was it--$95?) In the past we paid for Travel Guard PER TRIP.