DVC Trip Insurance

[amyngary]

I am guessing this is covered somewhere on these boards, but I tried searching for it to no avail....

Is it possible to get trip insurance when traveling on points? Who sells it? Recommendations?

Thanks in advance!

 

[Happydinks]

I am guessing this is covered somewhere on these boards, but I tried searching for it to no avail....

Is it possible to get trip insurance when traveling on points? Who sells it? Recommendations?

Thanks in advance!

It is -- and we have gotten it the passed few years (due to elderly parents!).

It's offered through Travel Guard for Disney Vacation Club members. The number is 1-866-690-6858 ID #007004. It's not too expensive - and worth it if there is any concern. Good luck!

 

[amyngary]

You weren't kidding about how reasonable the price is. I just bought it and it was a 5 minute painless task. Thanks for your help!

 

[eporter66]

If you dont mind me asking, how much was it (I assume it is based on how many points you are using on your trip), and I remember something about it must be purchased before your cancellation penalty period. Not sure what that is?

Thanks

 

[Happydinks]

If you dont mind me asking, how much was it (I assume it is based on how many points you are using on your trip), and I remember something about it must be purchased before your cancellation penalty period. Not sure what that is?

Thanks

Our trip insurance (points only) was 55.00 for 225 points. Yes, you do have to book before the cancellation penalty period -- and it gives you 5.00 per point reimbursement. The cost for the insurance is calculated at 5.15% of the reimbursement value - i.e. 150 points x 5.00= 750.00; 750.00 x 5.15% = 38.63 premium to be paid for insuring the points. It's at least something back if you have to cancel, or leave in the middle of your trip.

Amyngary - glad it worked out for you!

 

[Happydinks]

If you dont mind me asking, how much was it (I assume it is based on how many points you are using on your trip), and I remember something about it must be purchased before your cancellation penalty period. Not sure what that is?

Thanks

Your cancellation period begins 30 days prior to your reservation date. This is from the DVC site:

•Changing a reservation 31 or more days prior to check-in:
If the new reservation uses fewer Vacation Points than the original reservation, the remaining Vacation Points will be returned to your account in the Use Year in which the reservation falls.



•Changing a reservation 30 days-1 day prior to check-in:
All Vacation Points will be placed in the Holding Account. If the new reservation uses fewer Vacation Points than the original reservation, the remaining Vacation Points will stay in the Holding Account until the end of your Use Year.



•Changing a reservation on the check-in date:
If the new reservation uses fewer Vacation Points than the original reservation, the remaining Vacation Points will be forfeited.



•Cancelling a reservation 31 or more days prior to check-in:
All Vacation Points used to make the reservation will be restored to your account in the Use Year in which the reservation falls.



•Cancelling a reservation 30 days-1 day prior to check-in:
All the Vacation Points used to make the reservation will be placed in the Holding Account in the Use Year in which the reservation falls.



•Cancelling a reservation on the check-in date:
All the Vacation Points used to make the reservation will be forfeited.

 

[toniosmom]

When I used them this past year, I was able to add insurance for our airline tickets as well (for add'l fee, of course).

 

[Three60guy]

It is -- and we have gotten it the passed few years (due to elderly parents!).

It's offered through Travel Guard for Disney Vacation Club members. The number is 1-866-690-6858 ID #007004. It's not too expensive - and worth it if there is any concern. Good luck!

We have used Travel Guard too and I'm sure member services would help you obtain the insurance.

 

[DebbieB]

This is an old thread. The details of the DVC insurance has changed, both cost and reimbursement.