My travel insurance question - opinions needed.

[figueroa4]

We just booked our room for March 2011. She said it comes with travel insurance, $120 I think she said and I can cancel it within 20 days. So I was reading here and saw where it would possibly be cheaper to get it elsewhere so I looked into that. But now I am wondering if I need it at all and would like your opinion.

We are driving to WDW from Texas for Spring Break so no need to worry about airfare refunds etc. The balance for the room has to be paid of January 25th. What I worry about is if I pay it all up and then something happens and we can't go, what are the refund/cancellation policies for WDW?

I cant foresee a reason for a refund, would probably just need to put it off. If something were to happen the day before we left can we just change everything over to Summer vacation time? Or will it be too late?

Thanks!

 

[nexttrip4us]

Ours was through TravelGuard and was about that much for DH and I (kids are covered free). We used it when my DD broke her arm while we were at Disney..has MORE than paid for itself times over!

Good luck!

 

[figueroa4]

I didnt think of it covering refunds if something happened while we were already there. Something else to think on.

 

[kaytieeldr]

Consumer Reports determined travel insurance is a waste of money.

It's especially a waste of YOUR money because you have no nonrefundable airfare about which to be concerned; you have no need for emergency medical evacuation from a foreign country; no trip delay; if there's a hurricane or other natural disaster or personal issue, Walt Disney will work with you to reschedule your package with no penalty.