Travel Insurance and Land/Sea trips

[Raya]

We're looking at travel insurance for our Oct 2025 cruise. We'd like to book next week when the cruise itineraries open. However, the travel insurance needs to have the whole trip booked within 15 days of getting the insurance. Obviously we won't be able to book hotels and air for 10/2025 next week. I guess we'll have to get two policies, one for the cruise and one for the before/after time at the parks. Is that how other folks handled this? We researched a lot of policies/providers and are hoping to go with Allianz Travel.

https://www.allianztravelinsurance.com

 

[Marthasor]

If you are purchasing a policy directly with the insurance company, you should be able to modify dates and costs as you add to your trip. That's what I do - as soon as I add more non-refundable costs, I reach out to the company and modify the policy.

 

[jalapeno_pretzel]

You have to get it within a certain time of making the first booking, but you can usually edit the amounts after that (at least that's the case with every travel insurance I've ever gotten). Or you could estimate what you're going to pay for hotel and air, and just add that in that amount right from the start.

 

[Girl of the South]

You don’t have to insure a specific hotel like the MCO Hyatt. You can insure an amount of money that you can’t get back and can’t afford to lose. I always book refundable hotel rooms - up to a point. Ones that allow you to cancel (for instance) 7 days before arrival. So figure out a budget and start there. You only have to buy travel insurance within 15 days if you want coverage for pre-existing conditions. If you don’t have any, then you can wait.

 

[sadiecatie]

I was going to say, I thought you could just estimate the costs and edit it later if you need to, but jalapeno_pretzel beat me to it I’m getting ready to make my first booking for a long land and see vacation next summer and that was my plan (things will not be fully booked for several months, but I’ll buy an insurance plan as soon as I make that first booking).

 

[Husker Mike]

You don't necessarily have to insure everything...especially with a parks vacation because your risk is MUCH lower. If you have airline issues and get to Orlando late, you might miss part of a day of your vacation - not most, if not all, of the cruise. If you have a family emergency, hotels are frequently refundable and airlines tend to give you credits.

And if you get sick or injured, your U.S. based health insurance will cover anything, and an ambulance from Disney World will probably cost 0.1% the cost of a medical evacuation from a cruise ship.