Insurance: Do I buy it or not?

Minniekins

DIS Veteran
Joined
Nov 4, 2007
Messages
3,454
Well, I'm looking for some opinions on the disney insurance. I have a Nov 14-23 trip to CBR, 2 adults - myself and DD18, booked. We were lucky enough on Thur to be able to apply the DGL code and saved $668!:yay: But, that does include $133.90 for trip insurance. I can't remember what I did last yr, though I do remember them mentioning it and I thought it was only $90. Other years, I never realized it was included in my bill I guess. Anyway, have about 12 more days to cancel if that's what I choose to do. But, can't decide if I should keep it, is it worth it, or is it too expensive. Where else would I get the same thing for cheaper? I asked what it covered and she said everything. What does everything mean. She said even my air that I booked myself. Hmmm. What about hurricanes? What about if my flight is late and I lose a day there? What about a days worth of tickets if DD18 get s sick like she did last yr for a day? What about MVMCP tickets? I didn't buy them yet, but lets say it pours the rain that night and the party is cancelled. Does the insurance cover their cost so we can go another night or get a refund? Or will it only cover it if we buy our tickets right now as opposed to after that 14 day window of time to keep or cancel?

Okay, I know, lots of questions! Anyone have any answers? Any advice? :confused:
 
I purchased the insurance for my family... I feel like it is well worth the price. We will be @ CBR Nov. 1-8 and have MYW tickets and airfare for 4 that is non refundable. Without the insurance, let's just say the someone gets sick the day before we go, That is $2000.00 just lost. With the insurance, the room, tickets, and yes, even the non-refundable airfare will be refunded!!! Also, the CM told me that even if your were just walking by the pool and accidentally dropped your camera in the pool -- guess what-- the insurance covers it.... I feel like the price of the insurance $133.00 is well worth a way to get you a full refund on your trip if needed, and also less stress of worrying that your vacation might have to be canceled and you would loose the your cost of the trip.

HAVE A GREAT TRIP!!!
 
It's like any insurance. If something happens you are thankful you have it. If something happens and you did not buy it, you wish you had. It's a gamble, and up to you how much you want to trust everything goes as planned.
I would just read any fine print to find out what it does not cover.
With today's airline situations, I would probably be more inclined to buy it now than I had in the past.
 















Save Up to 30% on Rooms at Walt Disney World!

Save up to 30% on rooms at select Disney Resorts Collection hotels when you stay 5 consecutive nights or longer in late summer and early fall. Plus, enjoy other savings for shorter stays.This offer is valid for stays most nights from August 1 to October 11, 2025.
CLICK HERE













DIS Facebook DIS youtube DIS Instagram DIS Pinterest

Back
Top