WHo does everyone use for Travel Insurance? Hurrican season & 93 year old traveling this time

[enzy65]

We just use the one offered by Disney. Is that a bad idea?

We always use the DCL insurance, it is expensive. I just don’t have time to shop around for other sources.

 

[Racer X]

Just a quick note - i discovered that most if not all "cancel for any reason" riders are only available if you purchase your trip insurance within a few days of your cruise purchase - so don't wait too long if you want this option!

 

[brentm77]

One option for people to consider is what I did this year, which was a year-long travel insurance plan that covered medical and evac, which for me are the most important things. It covers us no matter where we travel in the world. With three cruises this year, plus a trip to Japan and various other places, it was a much more affordable option.

While I would be very bummed to lose the cost of a trip if we had to cancel too close, it wouldn't be a major blow to our overall finances. It would just be a trip we didn't get to take. In most cases, I would get airline credit/miles back, could cancel hotels and rental cars, etc. So often it would only be the cost of the cruise or pre-purchased entertainment. I could still add just trip cancelation for various trips, but haven't chosen to do so since I am comfortable with only covering the most catastrophic risks.

 

[Ralph&Pam]

We just use the one offered by Disney. Is that a bad idea?

Everyone needs to evaluate their particular situation. For the two of us, now in our senior years, the DCL insurance coverages for emergency medical and medical evacuation are too low for our comfort level. Also, we want door-to-door coverage, so our flights and pre- and post-cruise travel arrangements are also covered. We’re less concerned about cancel for any reason coverage (included in the DCL policy) and we have pre-existing condition coverage as part of an annual travel insurance plan so long as we renew it in a timely manner. We get coverage for two or three trips a year for about what we would pay DCL for cruise-only coverage for a single cruise.

 

[Mommb]

We just use the one offered by Disney. Is that a bad idea?

The insurance booked through Disney is a reasonable choice if you and travel companions are generally healthy and if you either don't have non-refundable expenses (such as flights, hotels, or car rental) before and after the cruise, have coverage for those expenses through a credit card, or are willing to just pay those expenses if you have to cancel.

For most travelers, the insurance through Disney is more expensive than through other companies, but it does include a credit for up to 75% of non-reimbursed cruise costs that can be used toward a cruise in the next year if you need to cancel for a non-covered reason.

If you're interested in insurance primarilly to reimburse you if something comes up in your life that causes you to cancel the cruise, or to pay for urgent care for a injury during the cruise, insurance booked through Disney will cover that.

 

[lanejudy]

We just use the one offered by Disney. Is that a bad idea?

That kind of depends on what you want covered and why.

The insurance through DCL only covers those parts of your vacation booked directly through DCL. It does not cover anything you/your TA booked separately -- like flights, pre- or post-cruise hotels, ground transportation, other vacation components, etc.

If you or anyone in your traveling party has pre-existing conditions, the DCL coverage may not be the right fit for you.

Also know that the "insurance" aspect is separate from the "cancel for any reason" CREDIT offered by DCL. That could be an important distinction if you are unlikely to use the credit offered within a year of cancelling (I think it's 12 months, but check that). It will all be lost if not used within the time period specified.

But if you are more than a couple of weeks past booking/deposit, and you decide you want some amount of CFAR coverage, DCL may be your best option. It can be extremely expensive to add later, if even available. DCL coverage can be added up until the PIF date.

 

[ruadisneyfan2]

We just use the one offered by Disney. Is that a bad idea?

It’s not that it’s a bad idea but it doesn’t cover flights or a pre-cruise hotel stay which I like to have covered.

 

[Sakura1017]

Dcl is hit or miss with trying to get claims. I used to think dcl was good just to have insurance because worse case scenario you get 75% cruise fare for future cruise credit, but then read it has to be used within a year. In addition, they don’t cover preexisting conditions and med evacuation is low only like 30k. So now I’ve been shopping at other policies they cover more but you need to spend more than dcl.