Trip insurance

[Letsbgoofy]

Has anyone used a private company for trip insurance? If so, were you happy with their service? Disney's prices seem high to me.

 

[bicker]

I wouldn't be surprised. However, be sure to compare apples-to-apples. I've found that supplier-provided or -sponsored insurance often includes protections simply unavailable through private insurance.

Is this for a land vacation or a cruise?

 

[Letsbgoofy]

Land vacation.

 

[bicker]

With a land vacation, I question the whole trip insurance thing -- but that's me. Given how rare covered losses are with (domestic) land vacations, I recognize that I'm financially better-off "self-insuring". By that, I mean that, if something catastrophic happens, I can whip out a credit card and cover whatever needs to be covered, and simply eat whatever money I already paid out for transportation, accommodations, admissions, etc. Using that approach, over the long-run, based on the probabilities of sustaining a loss and the average amount of a loss, and factoring in the cost of insurance itself, I'll save money. That one time I "needed" insurance will hurt, but still overall I'll win using that approach.

(That logic doesn't work for cruises, though. I don't have enough credit to cover the cost of medical evacuation, for example.)

 

[Hincher]

We bought the trip insurance through Disney last year for our trip in September. On the day that we were to leave Disney to come home, a hurricaine went over Disney. Because of our trip insurance, we were able to get back the money we had to spend to stay the extra night. And at the Contemporary, that's not cheap. We also got back all of the extra money that we spent eating because we were there an extra day, and Chef Mickey's also is not cheap. We got back the $50 we had to spend on the cab ride to the airport because the shuttle we had originally scheduled was unable to come get us. And because I had purchased a package, I had actually purchased tickets for the day of departure. I didn't list it in the claim because we weren't intending to go to the parks on the day of departure but they refigured my claim and paid me for it anyway.

All that I got because I spent the extra I think it was in the neighborhood of $60 for insurance. And you only buy it for the adults. It was well worth it. We're going again in October and I bought it again.

 

[Letsbgoofy]

I'm getting a price of $89. I know there are companies that give you more insurance for less money, but don't know which ones are good.

I have goten good rates from insuremytrip.com, but would like information from someone that has actually used one of these companies.

 

[DisneyMom05]

Any suggestions for cruise vacation insurance coverage?

 

[disneysteve]

One of the industry leaders is TravelGuard (travelguard.com). We've used them in the past but have never filed a claim. But their rates are much better than Disney's.

 

[mousefansmom]

Disney is a little high. Try insuremytrip.com and you can compare quotes from different companies, including the one that Disney uses.
Mousefansmom

Has anyone used a private company for trip insurance? If so, were you happy with their service? Disney's prices seem high to me.

 

[Hincher]

We booked through Disney and used whoever they use. It wasn't very expensive and they did a good job on our claim. Well worth the money. And you only pay it for the adults and that covers the children too.

I think the name of the company was Travelguard but I could be wrong.

 

[Dream1]

I Used Disney’s Insurance last year. Our flight was cancelled due to thunderstorms and we were forced---UM ;--))---- to stay another night at the CBR. The service was great and the claim was paid very swiftly. They even covered our cost of clothes due to our luggage getting stranded on the plane. Very cool….

 

[my3kids]

DH didn't want insurance for our cruise last summer...so I bought it anyway and didn't tell him. We were to sail from FL. Hurricanes came, flights didn't. We had to drive a couple of hours to get to the airport we were to fly to FL from. Insurance paid the claim for the hotel nights and meals while waiting to get to FL. Eventually we gave up on the cruise all together and the cruise line refunded the money we paid them, but our 2 days at the airport were paid in full and paid pretty quickly back to us. That was travelsafe insurance through insuremytrip.com. Next cruise I also used insuremytrip but have purchaed Travelex insurance.