Disney’s Travel Insurance offers a Vacation Protection Plan, which covers trip cancellation, interruption, and medical expenses for a Disney cruise. The plan covers unexpected circumstances and emergencies, both before and during the vacation. It provides travel assistance and reimbursement for expenses such as trip cancellation, interruption, and medical expenses. The plan excludes trip cancellation and interruption protection, emergency medical and dental benefits, and travel assistance services related to baggage coverage and delay protection. Most cruise travel insurance plans provide coverages for trip cancellation, trip delay, emergency medical evacuation, baggage loss, and baggage delay. Disney insurance is a third-party insurance, and Disney does not own an insurance company. To ensure coverage, you should compare policies and compare policies. The Disney Protection Plan is a basic policy covering trip cancellation and interruption (up to $10,000 maximum trip cost), with $10,000 for medical coverage. Walt Disney Travel Company is unable to offer travel insurance at this time, but it is strongly recommended that you and your party are covered by a travel insurance policy.
📹 Disney Cruise: Do You Need Travel Insurance? Sharing What We’ve Learned
Thanks for joining us as we talk about our experience with travel insurance and Disney Cruise Line. We talk about what it covers …
What is not covered on a Disney cruise?
It should be noted that the price of a Disney cruise does not include a number of additional services and amenities. These include Port Adventures, shopping, spa and salon services, photography taken on board the ship, childcare services for infants and young children, calls made to the ship from the shore, games in the arcade, alcoholic beverages, drink packages, and adults-only specialty dining at Enchante by Chef.
What is the best travel insurance for cruises in 2024?
The editor’s assessment offers the most comprehensive and reliable ratings for cruise insurance. According to Forbes Advisor, the insurance provider is particularly commendable in the areas of evacuation, travel safety, baggage, AXA Assistance USA, and medical expense and evacuation coverage.
What does travel insurance cover?
Travel insurance provides coverage for a range of contingencies, including the possibility of cancellation, medical expenses, evacuation, loss or delays, and offers 24/7 assistance. It offers protection against the aforementioned contingencies.
Is insurance worth it for a cruise?
The cost of cruise insurance is typically between 5 and 10 percent of the total trip cost. It provides coverage for a range of potential expenses, including emergency evacuation, medical bills, cruise-ship disablement, and costs associated with cancellation or interruption of the trip. It is imperative to have such insurance in place, given the potential for adverse events to occur during a cruise.
In the absence of such insurance, the financial consequences of such events would be significant. It is of the utmost importance to obtain cruise travel insurance in order to protect oneself against potential risks.
Can you add travel insurance after booking a cruise?
Buying cruise insurance is crucial when booking your trip, as it ensures you have coverage for any unexpected events or weather conditions. It is recommended to buy insurance as soon as you make your initial deposit, as it is the best time to make decisions about your trip. It is also important to consider the weather and other cruise conditions, as it can impact your decision to book a cruise. It is also important to consider the named-storm situation, as it can impact your cruise experience. Therefore, it is essential to buy insurance early in your cruise planning process.
What does cruise travel insurance cover?
Cruise insurance covers medical emergencies, trip cancellations, medical evacuations, lost luggage, cruise-ship disablement, and pre-existing conditions. It can also pay secondary medical bills, which go to your health plan first. Deductibles, copays, and maximums are applied, and then cruise insurance can cover the remaining amount up to the benefit limit. If your cruise insurance is primary, it will be considered first to pay emergency medical bills.
Can you buy condoms on a cruise ship?
Cruise. co. uk has revealed that one in five passengers confessed to cheating on their partner on a cruise ship, with 80% stating their partner was on board at the time. The cruise company aims to attract guests of all ages and provide a relaxing environment for couples to make time for each other. The company also offers a selection of condoms and lubes, and the morning after pill is available when prescribed by the ship’s doctor. The survey, which is anonymous and adults-only, aims to determine if the “liberated” feeling on a cruise holiday might contribute to the rise of sexually transmitted infections.
Do I need extra travel insurance for a cruise?
Cruise cover is a mandatory add-on for travel insurance that protects against travel risks unique to cruises, such as illness at sea or complications if luggage is lost or stolen. It is essential for those going on a cruise, as cruise holidays are typically more expensive and last longer than standard trips. Cruise cover is there to cover unexpected events and ensure the safety of passengers.
What travel insurance will not cover?
Travel insurance typically doesn’t cover accidents caused by underage drinking or property theft. If your flight is delayed or cancelled due to an airline strike, you should seek compensation from the airline rather than claim on your insurance. However, your insurance should cover other costs such as accommodation and car rental bills if they occur directly as a result of the event. The success of your claim depends on whether you bought your tickets before the strike became public knowledge.
Should I buy travel insurance for a Disney cruise?
It is strongly recommended that all guests purchase travel protection, despite the fact that it is not a mandatory requirement.
What will travel insurance pay out for?
Travel insurance provides financial protection for travelers, covering various issues such as lost or stolen bags, emergency medical expenses, and cancellations, delays, or cuts to a trip. It covers various possibilities, such as lost luggage, medical care costs, and cancellations. Travel insurance is crucial as it protects against financial losses in case of illness or accidents. Without it, travelers could face significant costs if something goes wrong. Depending on the policy, travel insurance pays out in various circumstances, making it an essential financial tool for travelers.
📹 Do you NEED trip insurance for your Disney Cruise?
Whether you are sailing on the Disney Dream, the Disney Wonder, the Disney Fantasy, or the Disney Magic, you might be asking …
You missed out on some very good reasons to have travel insurance, as well as misinforming people about types of coverage. The main reason to have travel insurance is for major medical, out of country care & caregiver boarding, and repatriation. If you get hurt or have a major medical even while out of country, there isn’t a regular insurance plan on this earth that provides nearly enough coverage to cover these expenses. So far, every cruise that I have taken has had at least one passenger emergency that required a massive amount of money to get them well enough to travel back to their home country. As far as staying in a hotel, or flying to your cruise port goes, the cost is mainly based on the total trip cost, NOT because you added a hotel or flight. You need to have travel insurance that covers you portal-to-portal, and not dock-to-dock. Since travel insurance normally comes in increments of whole dollar figures, adding an extra day and a few hundred dollars rarely costs you anything. Is Disney Cruise Line travel insurance the best there is? Not at all. It is convenient, but it will not cover flights that you do not book through Disney Travel, nor will it cover a non-Disney hotel stay. It is also a bit lacking in the solid medivac and repatriation expenses. Do you need travel insurance? If you can afford to risk hundreds of thousands of dollars, in the event that you have an accident or medical event, then you really don’t need to worry. If that would create a serious dent in your pocket book, then travel insurance is a MUST!
As someone whose prone to medical emergencies (i.e. chicken pox for my wedding, pancreatitis during a Disney vacation), I’m ALL about trip insurance. Disney makes is easy to click that button and give me peace of mind. One note, you don’t have to pay for their trip insurance at the time of booking. You can purchase the insurance any time BEFORE you make your final payment. After that final payment, you will no longer have the option of purchasing their insurance. I found this out the hard way and then did LOTS of praying over my vacation….which is always a good idea, too.
The best insurance we have found has been Allianz – the one Ashley mentioned in the article. It is pronounced “ahh-lee-ahnz” – we are more familiar with it here in Minneapolis as it is the name of the new soccer stadium in town. They have been fantastic for us to work with during Hurricane Irma and my mom’s hip operation where we had to cancel two trips.
I have an annual travel insurance from Allianz for all my travel over the year. I have the annual executive policy and it covers me and my whole household for about $500 a year. They covered the $200 ear buds I lost on a flight, and I’ll be putting in a $200 expense for missing a flight connection and having to stay overnight in a hotel. Luckily I never needed to use the $10k trip cancelation or $50k emergency health / evacuation coverage. But they have my business year after year!
We were on a cruise right before the hurricane hit. Our cruise was cut short by one day. Disney gave us that money back. We were also able to get part of our parking fee back from the port. To me the only reason I would get the trip insurance is just for peace of mind. We’ve never bought it and, happily, we’ve never needed it.
We get trip insurance for every cruise. Sadly, but fortunately, we did have to use it for a Disney cruise in 2017. The night before we were to board, my husband had what was later diagnosed a a TIA. He wasn’t acting or thinking right; I did the stroke test (SMILE) and that seemed OK but I wasn’t going to mess around. I called 911 and the fire department responded immediately. They did more advanced tests, with inconclusive results and their advice was to transport to the hospital. The Hampton Inn nigh manager also responded. Al this at 10:30pm. Long story short, he ended up spending the night, for observation and to get more tests the next morning. I heard the “when you wish…” horn in the hotel as I left to pick him up from the hospital.
I always get the trip insurance now. I got sick one year before our cruise and we did not purchase the insurance, but with a Dr’s. note sent to Disney Cruise Line we were able to switch our vacation to the next year. We buy it even if we don’t use it while we are on vacation. Thanks so much for sharing the different places to buy travel insurance.
Please…before you cruise check with your insurance company if you are covered while you are on your cruise. I really believe Ashley brushed over the medical reason for insurance and focused too much on cost. Most domestic insurance companies will not extend medical coverage outside of the country. If you get sick and need to see the doctor on the ship or in another country you could be on the hook for a large bill. As Ashley said, check the tiers, opt out on the trip insurance, but consider the medical insurance.
I just got back from a 5 night cruise on the Disney Dream, and there was a huge problem with Nemo’s Reef. First off, the kids are pushing each other in the line to go down the slide. They need to have a lifeguard to help the children wait their turn and to help them go up the stairs to the slides. I’ve also seen many injuries as well. Kids started slipping, so they need to put down floors that kids won’t slip on. One kid went down the slide and stood at the end of the slide for no reason. Then, bam, his younger sister comes down the slide and makes him slip and fall. They also have to have a height requirement for this area. It would be, if you’re 38″, you can come in, but if you’re 54″, then you’re too tall to come in. They also had something called toddler time where toddlers can play with toys. At toddler time, there were only 4 toys there! I can’t imagine what kind of meltdown that would cause. The craziest thing that happened there is when a adult went down the water slide and hit my cousin! He’s only 2 years old! All in all, it’s a great area for younger kids, but Disney does need to watch out for this.
Our Costco Citibank Visa covers everything that we purchase on it, including airfare, hotel and cruise. And they cover everyone in your travel party, even if only one person is the reason you all can’t go. As far as medical goes, our insurance will reimburse us for what we spend if something happens.
In 2014 my wife’s brother had what was supposed to be relatively minor surgery 2 weeks we were scheduled to go on a 7 day cruise on the Fantasy. The “minor” surgery turned into closer to 15 hours and a month in intensive care. We canceled because there was no way my wife, m-i-l and aunt were going on that cruise. Allianz came through for us with a full refund and no hassle. I view insurance as just another part of the cost of the cruise.
My daughter ruptured her appendix in the middle of a cruise and had to have emergency surgery on Jamaica. Was there a week and had to have a medical flight back to Canada. Final bill? $87 000 USD. We didn’t pay one cent, at any point in time. We got our insurance through CAA. American equivalent would be AAA, I guess. GET AT LEAST MEDICAL INSURANCE.
I will ALWAYS have trip insurance! Our very first cruise…yeah, had to use it. SOOO thankful our agent recommended it! Got because my mother-in-law has Alzheimer’s but ended up using it because my 42 year old gall bladder gave me fits! A 1 hour surgery turned into a 5 hour surgery followed by a 9 month recovery. It happened a month a 1/2 before the cruise but with all the trouble had to cancel the cruise. Lots of paperwork to fill out but did get everything lined out and rescheduled for the following year. Difference in cruise prices meant paying a little more for the difference but at least the bulk of it was paid for.