travel Insurance

[jenseib]

Why get it? I see Disney offers it, and most travel agents will too. But what does it really cover? I ahve heard that the Disney one is crap and not to get it, but then should you get any other kind?

 

[meloneyb21]

oh, yea...I'd like to know this one too.

 

[mrmagicmph]

Let me give you some reasons (just to make things clear, I am neither a travel agent nor an insurance broker, just someone who's traveled A LOT over the years).

1) 3 days before the trip, one of your traveling party suddenly needs an appendectomy. Disney will, at their discretion, sometimes let you shift when your trip was to be, but not 100% of the time, & the airlines? Good luck!

2) While on your trip, someone gets very sick & needs to get brought back home RIGHT NOW to go to the hospital.

3) On your way down, you go to Orlando, your luggage goes to Ottawa.

4) On your way back, your connecting flight in Atlanta doesn't manage to connect and you're stuck in the airport for a day (or two) & the airline, saying it was weather related, doesn't do anything to help either get you home sooner or pay for you to stay somewhere.

5) On your way to the airport, you get stuck because of a traffic accident that you're not in but you miss your flight, and your flight is trying to connect you to your sea portion of your land & sea vacation with Disney.

Depending on the insurance that you get (some cover preexisting conditions, some don't), it may cover many or all of these possibilities. It will pay for your cancelled trip, your missed connection hotel stay, etc, etc, etc.

Will you get the value out of the insurance every time? God willing, NO! Will it be worth it the one time that any/all of that DOES happen? Depends; If the insurance costs $100, and your trip costs $3000, it's probably worth it.

Any questions, ask away!

 

[byoung]

We never get it.

 

[bab31]

I got it because my father is quite elderly and in poor health. If we get called back because of a death etc, it will pay for remaining unused vacation. Normally I dont take it, I figured if I took it I wont need to use it and if I didnt take I probably would have wished I did!

 

[dollcollector1]

Why get it? I see Disney offers it, and most travel agents will too. But what does it really cover? I ahve heard that the Disney one is crap and not to get it, but then should you get any other kind?

I'm a big international traveler and I've never taken out travel insurance for any trip. If I don't buy it for a international trip, I sure ain't getting it for Disney !

 

[jenseib]

I know my Aunt never gets it and she travels alot too.
Is anyone better if you do get it. Like I said before , I heard that the Disney one is crap. Is that true? When we went on a cruise we did take it out, but I do hate wasting that money. And form what I have heard alot of these insurances really don't cover all you think it does.