trip insurance

[renae3]

Hi everyone. Does anyone know how disney's trip insurance works? Anyone ever need to use it? Thanks!

 

[BigGreen73]

I always purchase it because you never know, but have never had to use it. I too would like to hear from some folks that may have used it and how it worked for them.

 

[happymommy]

I think it's similar to what you can buy yourself from Travelguard.

They can add it, as it's probably more convenient for most folks to have Disney do it than buy it yourself.

I think if you get it yourself from Travelguard, you may get slightly better coverage. They price it according to your vacation price. For us, we didn't include our airfare price, as we are flying Southwest. If we need to cancel, we'll just get a credit and use it later. If you buy it within 14 days of your initial deposit, Travelguard will cover preexisting conditions. I like that, as DS has asthma, and I worry about that being one?

I am a control freak, so I buy it myself. I think with Disney, you would still be responsible for a cancellation fee, but am not sure.

I have medical insurance, so they covered when my kids got sick at Disney (twice - ugh). They even paid for the doctors that make house calls to the resort - wow I was surprised that they covered that! And we have an HMO - not the best but not the worst coverage. The travel insurance would cover any co-pays that the medical insurance doesn't. So you'd have total coverage. That is nice.

I would call and ask Disney myself.

 

[Luv2Roam]

I too have never had to file a claim. But I think people would be surprised what it covers. Through Disney it even now covers the traveler's termination/layoff from their place of employment.

You might pay some money. But I would think in today's travel it would make one feel a little more secure.

 

[mbanks21]

If you get it through disney it covers preexisting conditions. Just get it through disney and dont worry about it

 

[ILoveMagic]

i have posted this a lot lately.........i just want to get the word out! My DS and I were supposed to go to disney in August this year. Three days before we were to go my father in law unexpectedly passed away. With past trips i didnt purchase the insurance because "it couldnt possibly happen to me". When i booked in January i purchased it. I can tell you i got every penny back (including airfare booked directly with delta and not disney) except for the premium for the insurance (65.00 for both of us). In hindsight i am glad i purchased it. The forms were not hard to fill out and i received my money within 45 days. Disney has a policy that if you cancel within 1 week of departure they will refund your money except for a 200.00 fee. So travelguard refunded the difference between what disney didnt refund plus my airfare! It is a must do from now on because unfortunately it did happen to me!

 

[rt2dz]

I never purchase it for WDW because Disney really is good about letting you change your dates without penalty. It’s really more for flight protection, I think, and for those that must cancel altogether. For a cruise, I wouldn’t hesitate for a second to get it.

I have done some reading on it. From everything I’ve read, you get better coverage for less money if you purchase it on your own than through Disney. Both The Unofficial Guide and Mouse Savers recommend travel insurance brokers. I think Frommers and/or Budget Travel also have recommended brokers. If you decide you’d rather have Disney’s coverage, you can add it up to the final payment (so no later than 45 days). You can add separate insurance generally up to two weeks before travel.