Trip Insurance cover UT tickets?

[Mark Cameron]

Hey guys, if I get tickets from Undercover Tourist and link them to my MDE app, making them non-refundable, will trip insurance cover them if I end up not being able to go on my trip? I usually get 3rd Party Trip insurance and have never bought tickets from other than just Disney. Thanks!

 

[My3SweetSuns]

They should be covered, but it would depend on your insurance provider. Usually you pay for the amount of coverage you want & you’d just include the ticket cost.

 

[supersnoop]

While the tickets are non-refundable, you won't lose them. You'll still have the tickets and they'll still be valid. Trip insurance tends to cover your losses, but you won't have lost your tickets. I wouldn't expect trip insurance to cover them.

 

[Anthony1971]

if you buy insurance than buy everything through Disney this way you have one receipt and one refund should you not be able to go Disney will work with you or the insurance company. Insurance will cover your loss and being the tickets still have value it would very doubtful they will be covered as you can still use them. Insurance companies know the rules... so even if you submit a complete cost when it is reviewed chances are and especially being the tickets are a separate receipt it will be caught and questioned....

 

[DisneyWishes14]

While the tickets are non-refundable, you won't lose them. You'll still have the tickets and they'll still be valid. Trip insurance tends to cover your losses, but you won't have lost your tickets. I wouldn't expect trip insurance to cover them.

^^This exactly. Once linked, you own those tickets and they can be used at any time. Even if you cancel this trip, you can use those tickets at a later date. You have not lost any value on the tickets, so insurance won't cover them. If you had to give them back to UT and there was no refund, that would be another matter.

 

[Gothemi]

I purchased mine via UT and yes, my insurance company (the one Costco deals with) told me they were covered.

 

[DisneyWishes14]

I purchased mine via UT and yes, my insurance company (the one Costco deals with) told me they were covered.

I would get a second opinion. The tickets do not lose value, therefore there is no loss of funds. That would be like buying a boat, deciding not to sail, attempting to recover your boat money from the insurance company and still keeping the boat to sail again another day. It's called insurance fraud. When you buy those tickets, they are yours. You are not cancelling the tickets when you cancel your WDW vacation. If you purchased the tickets as part of a package through WDW, that would be another story. In this case, if you attempt to recover the money from insurance, it means you are attempting to get usable tickets for free. If OP DOESN"T link the tickets and returns them, the re-stocking fee would most likely be covered as that is non-refundable. You can't collect money on something that still has full value of what you paid and that you can still use at a later date.

 

[Mark Cameron]

Gotcha, I'm not trying to get over or anything. I just know if something comes up for my trip next year I may not be able to go back to the World for a few years and was concerned about the tickets expiring and totally losing out on $1200. How long are those tickets good for?

 

[DisneyWishes14]

Gotcha, I'm not trying to get over or anything. I just know if something comes up for my trip next year I may not be able to go back to the World for a few years and was concerned about the tickets expiring and totally losing out on $1200. How long are those tickets good for?

Tickets purchased now will expire on December 31, 2019, however, according to the Ticket sticky:

"At this time, if never used, all new MYW tickets have an expiration date.
(The date of this expiration will be shown when the ticket purchased.)
However, if this ticket is never used by a guest and allowed to expire,
the purchase price of the ticket is not "lost" to the guest.
The unused and expired ticket can be turned in at WDW and its original purchase price can be applied to the purchase of a new ticket of like or greater value."

You can see the whole ticket thread here - https://www.disboards.com/threads/all-about-tickets-upgrades.3570721/

Honestly, if you think there is any chance you may need to cancel, you may want to consider booking a WDW resort package. It will have a far lenient cancellation policy and you won't be stuck with thousands of dollars worth of tickets if you have to postpone your trip indefinitely.

 

[supersnoop]

Gotcha, I'm not trying to get over or anything. I just know if something comes up for my trip next year I may not be able to go back to the World for a few years and was concerned about the tickets expiring and totally losing out on $1200. How long are those tickets good for?

While the tickets can expire, you won't lose any money. They're still worth the current price of admission; they just won't be valid admission when prices go up. You'll have to pay the difference between what the tickets are worth now and what the price of admission is when you go.

 

[Mark Cameron]

Ok thanks for the info!

 

[KrazeeK120]

Tickets purchased now will expire on December 31, 2019, however, according to the Ticket sticky:

"At this time, if never used, all new MYW tickets have an expiration date.
(The date of this expiration will be shown when the ticket purchased.)
However, if this ticket is never used by a guest and allowed to expire,
the purchase price of the ticket is not "lost" to the guest.
The unused and expired ticket can be turned in at WDW and its original purchase price can be applied to the purchase of a new ticket of like or greater value."

You can see the whole ticket thread here - https://www.disboards.com/threads/all-about-tickets-upgrades.3570721/

Honestly, if you think there is any chance you may need to cancel, you may want to consider booking a WDW resort package. It will have a far lenient cancellation policy and you won't be stuck with thousands of dollars worth of tickets if you have to postpone your trip indefinitely.

Well, there’s always a chance one may need to cancel a vacation. Unexpected health issues, deaths in the family, natural disasters can occur at any time. It sounds like OP is trying to plan for unforeseen circumstances, hence the question about insurance.

Room only is actually a more lenient cancellation policu - up to 5 days out with no penalty. Packages have a $200 cancellation fee once you hit 30 days out. As has been mentioned, the tickets can be kept indefinitely (or can be returned if they’re not linked).

 

[DisneyWishes14]

Well, there’s always a chance one may need to cancel a vacation. Unexpected health issues, deaths in the family, natural disasters can occur at any time. It sounds like OP is trying to plan for unforeseen circumstances, hence the question about insurance.

Room only is actually a more lenient cancellation policu - up to 5 days out with no penalty. Packages have a $200 cancellation fee once you hit 30 days out. As has been mentioned, the tickets can be kept indefinitely (or can be returned if they’re not linked).

Yes, of course. I'm not advocating that OP not buy trip insurance. I am letting OP know that trip insurance won't cover the cost of tickets that will retain full value and can still be used at a later date if they don't go on their trip. The OP's question about insurance was SPECIFICALLY about linked UT tickets. No insurance company is going to reimburse the cost of tickets that retain full value and can still be used if you cancel a trip. If the OP has other non-refundable costs for things like hotel room deposits, airfare, etc. that they will get no value for, of course, trip insurance comes into play. Trip insurance will also come into play if they have a delay or trip interruption. That was not the question.

While room-only offers a more lenient cancellation policy for the room, it does not solve the problem of pre-purchasing tickets should OP want to take advantage of having linked tickets at the 30 or 60-day FP+ window opening. If OP wants THE most lenient cancellation policy on ticket returns/refunds, their best bet is to book a package and put down a $200 deposit (which is FAR less than outright purchasing tickets). If they need to completely cancel, they only lose $200. Or, they can simply reschedule the trip and possibly be charged a $50 change fee (which is typically waived if the new dates cost the same or are higher than the original ones). Especially if OP won't be able to go for a few years if they can't go on this trip. Plunking down $1200 on non-refundable tickets you may not be able to use for a few years (if ever) is typically not a good investment particularly given the new expiration dates where, if the tickets do expire, they are going to have to pay the difference on new ticket prices when (and if) they do end up going. IMHO, purchasing separate tickets is only a good idea if you absolutely know you will be going to WDW in the near future. Having $1200 worth of tickets linked in MDE for years on end is not the wisest thing to do with one's money.

 

[Mark Cameron]

Yes, of course. I'm not advocating that OP not buy trip insurance. I am letting OP know that trip insurance won't cover the cost of tickets that will retain full value and can still be used at a later date if they don't go on their trip. The OP's question about insurance was SPECIFICALLY about linked UT tickets. No insurance company is going to reimburse the cost of tickets that retain full value and can still be used if you cancel a trip. If the OP has other non-refundable costs for things like hotel room deposits, airfare, etc. that they will get no value for, of course, trip insurance comes into play. Trip insurance will also come into play if they have a delay or trip interruption. That was not the question.

While room-only offers a more lenient cancellation policy for the room, it does not solve the problem of pre-purchasing tickets should OP want to take advantage of having linked tickets at the 30 or 60-day FP+ window opening. If OP wants THE most lenient cancellation policy on ticket returns/refunds, their best bet is to book a package and put down a $200 deposit (which is FAR less than outright purchasing tickets). If they need to completely cancel, they only lose $200. Or, they can simply reschedule the trip and possibly be charged a $50 change fee (which is typically waived if the new dates cost the same or are higher than the original ones). Especially if OP won't be able to go for a few years if they can't go on this trip. Plunking down $1200 on non-refundable tickets you may not be able to use for a few years (if ever) is typically not a good investment particularly given the new expiration dates where, if the tickets do expire, they are going to have to pay the difference on new ticket prices when (and if) they do end up going. IMHO, purchasing separate tickets is only a good idea if you absolutely know you will be going to WDW in the near future. Having $1200 worth of tickets linked in MDE for years on end is not the wisest thing to do with one's money.

I totally get what you are saying. When I originally asked about the insurance covering the tickets I didn't think about me not actually losing value in the tickets. Trust me, I'm not trying to defraud the insurance company by any means.
I am just a "what if" kind of guy! You just never know what could happen and going during February is in the middle of flu season. Fortunately, we were able to dodge that mess this year. I guess if I bought the tickets from UT and saved some money I could just hang on to them and not link them until right before 60 days but that doesn't really help because I don't foresee something happening prior to that that would cause me to not be able to go on the trip.
But then again, I feel like I might be able to reschedule the trip for later in the year, maybe! I think the savings of $200 or less on the tickets, although a good bit of savings, may not be worth it for someone like me who worries about the "what ifs" so much!
Thanks to all of you all for your input!

 

[bumbershoot]

I purchased mine via UT and yes, my insurance company (the one Costco deals with) told me they were covered.

Once they figured out that the tickets don’t lose value and can be used in the future, it’s unlikely they would actually be covered.

However, if this ticket is never used by a guest and allowed to expire,
the purchase price of the ticket is not "lost" to the guest.

Yep. It doesn’t become just a piece of paper. It becomes the amount of money you paid for them.

It sounds like OP is trying to plan for unforeseen circumstances, hence the question about insurance.

Room only is actually a more lenient cancellation policu - up to 5 days out with no penalty. Packages have a $200 cancellation fee once you hit 30 days out. As has been mentioned, the tickets can be kept indefinitely (or can be returned if they’re not linked).

I think the poster was referring to buying insurance with a package. With a package the tockets aren’t really yours until final payment. So if you cancel a package they just take the tickets. Insurance would see that you now have no tickets so they can reimburse the cost.

Insurance with a room only almost makes no sense for the room, and then the tickets are again not reimbursed because you still own them.

 

[yaya74]

I purchased mine via UT and yes, my insurance company (the one Costco deals with) told me they were covered.

@Gothemi, Can you please tell me which travel insurance company you use through Costco?? I am looking for one as Disney currently does not offer any travel insurance. TIA!