Trip Insurance for Multi-Brand Trip?

[StitchesGr8Fan]

We are planning a trip to Orlando this year. We will stay at Disney with our DVC points, maybe do a day at the Disney parks. But the main purpose of the trip is to do 3 days at Universal and maybe a day at Sea World.

Is there a trip insurance we could purchase that would cover the Universal Tickets if we have to cancel? Ideally the trip insurance would cover the DVC points and airline points, but I’m less worried about those as we aren’t paying for them in the traditional sense.

 

[Mommb]

When I have purchased trip insurance, I have indicated the amount of possible cancellation costs that I want to be covered. You could base this amount on the costs at Universal and Sea World and not include the Disney costs if they are otherwise covered, which would reduce the insurance cost.

 

[ruadisneyfan2]

I get insurance through insure my trip dot com. They are an agency that offers many policies with different companies. You can compare different levels of coverage and costs.

 

[Jimsig]

When say "if we have to cancel" make sure you get a policy that covers what you for what ever reason you have to cancel. You may need to get a policy that has a "cancel for any reason" clause, or find one that covers cancelation for job related reasons, or covers a pre-existing condition. Not all policies cover the same things. As others have mentioned a site like "Insure My Trip" lets you chose the coverage you want/need. Make sure to read through as you don't want to have to cancel and find out that you are not covered.

 

[ruadisneyfan2]

When say "if we have to cancel" make sure you get a policy that covers what you for what ever reason you have to cancel. You may need to get a policy that has a "cancel for any reason" clause, or find one that covers cancelation for job related reasons, or covers a pre-existing condition. Not all policies cover the same things. As others have mentioned a site like "Insure My Trip" lets you chose the coverage you want/need. Make sure to read through as you don't want to have to cancel and find out that you are not covered.

Good point. Usually if you want coverage for pre-existing conditions, you need to purchase the policy within 12-14 days of the first date you started making plans (putting any deposits down, booked hotel, bought flights, etc.)
You can buy a policy closer to your trip, let's say 2-3 weeks before, but it won't cover pre-existing conditions nor will the offer any cancel for work reasons, or cancel for any reason coverage. It also could possibly cost more though I never priced it both ways.