Vacation Insurance

[KPoj]

I'm thinking of taking advantage of the discounts going on in September. I'm a little concerned since this is prime hurricane time and I remember last year. I have two questions:

1) Does the vacation insurance that Disney offers cover a hurricane wash out?

2) Is the vacation insurance worth it?

Thanks for any help!

KPOJ

 

[freckles and boo]

My sister and I are going end of August top of Sept. No kids, no hubbies! We researched and purchased at www insuremytrip dot com. (Sorry, don't think I can post links yet.) I am paying $29 to insure $735 worth of travel expenses. It makes tremendous sense to me! I would be bummed out if for some reason our trip had to be cancelled, but I would be more bummed if our trip was cancelled and I was out $735. From what I have read here, independent insurance tends to be much more inclusive than that which is available from Disney.

 

[phantom728]

We've traveled in Sept twice before and never got the travel insurance and have been nervous both times about hurricanes. I have cruised twice and did get the insurance for those, which came in handy last year after New Orleans was hit and we had to change our flights to another port.

We do go with private insurance because the cost is cheaper and the coverage tends to be same or better. Some of the insurances charge for adults, but kids are free, so check this out when you are researching. I think we had Travel lite the last time and our DD was free with my DH and self and the cost was about $80 covering $1000 per person.

If it gives you peace of mind, then its worth the extra money. This year we are traveling in early Dec, so we are concerned about possible early snowfalls, so we will probably be investing in the insurance as well.

 

[jrasmom]

I may be wrong but when reading over the insurance offered thru Disney when we booked it did NOT cover for the likes of Hurricanes and such.

We're driving down so we won't have to worry about lost/stolen luggage that sort of thing or anything else really as we're leaving home a whole day earlier then we need to in order to make our reservations.

We chose to opt out of the insurance.

 

[freckles and boo]

I have to correct my previous post. It is $28 for $700 in travel expenses and here is what is covered...

Trip Cancellation/Interruption
Your illness, injury or death, or that of a family member, a business partner, a travel companion, or a travel companion's family member
Financial default of a travel supplier
A terrorist incident
Organized labor strike, natural disaster or bad weather resulting in the cessation of the travel supplier's services
Hijacking
Medical quarantine
Jury duty
Your home or that of a travel companion made uninhabitable by fire, windstorm, vandalism, or flood
Your auto accident or that of your travel companion on the way to the scheduled departure point
Cancelled leave if you or your companion is on active duty for the military, police or fire department
Employer termination or layoff
The amount of your trip you elected to protect, up to US$20,000

Travel Delay
Travel supplier delay
Lost or stolen passport, travel documents, or money
Medical quarantine
Natural disaster
Your injury or illness or that of your travel companion
Missed cruise departures because of flight delay due to bad weather
Up to US$500
Baggage and Personal Possessions
Damage to, loss of, or theft of your checked or stored baggage by a common carrier or while stored with your hotel
Up to US$1,000

Baggage Delay Up to US$100

Emergency Medical/Dental Expenses Up to US$10,000
Emergency Medical Evacuation/Repatriation
Reasonable expenses for evacuation to the nearest adequate medical facility, provided you are traveling more than 120 miles from your primary place of residence
Reasonable expenses when you are confined in a medical facility more than 120 miles from your primary residence, and your treating physician and we determine it is medically necessary to transfer you to a medical facility nearer to your primary residence
Up to US$20,000

Emergency Reunion or Return of Mortal Remains
Return of dependant child or grandchildren
Transportation and lodging for a family member to be at your bedside
Return of a rental vehicle
Return of mortal remains
Up to US$3,000
Common Carrier Accidental Death and Dismemberment Up to US$100,000

I don't know what Disney covers but I do know it is more expensive.

 

[byoung]

We have never gotten the Insurance.

 

[LUVMICKEY]

We used to always have the travel insurance when we went to Disney on the packages, but when we bought DVC, we stopped getting it. I'm not sure why. I think it's because we always forget to do that. But I do think it's important and is well worth the money. It's always better to be safe than sorry.

Michele