Trip Insurance

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Joined: 03/22/2014
Posts: 552
Trip Insurance

So, it seems as though I may get to go back to DW sooner than later. I received a code in my email that pushed up the dates of the free dining which would save us a considerable amount. I'm still hmmming and hawing cause I feel so darn guilty about going again but I have a questions regarding the trip insurance. We've always booked our Disney trips through AAA and bought trip insurance with them. I haven't gone through the whole booking procedure online...is there the opportunity to buy trip insurance? Is it expensive? Do you use a company other than Disney when booking?

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CdnSquirrel's picture
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Joined: 10/12/2013
Posts: 365

I've been wondering about travel insurance too. Is the insurance that can be purchased through Disney a good deal or are there other options?

The Colonel's picture
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Joined: 11/08/2012
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I find it a bad investment for trip cancellation. I have never bought it and I am way ahead of the game. However, for foreign travel I buy medical and evacuation insurance because that could run into serious money. I would think there is probably a cheaper option. Try Travel Guard.

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crazycatperson's picture
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Joined: 09/19/2011
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We don't book through Disney. We also don't buy trip insurance. We usually book via an RCI timeshare exchange, so we wouldn't lose a huge chunk of cash if we couldn't make the trip. We usually fly Southwest, and they'll credit the cost of our flight towards a future flight (with a deadline for use, something like 6 months from the date of the original flight. And park tickets can be saved to use another time. So we've never really been concerned about losing a big chunk of change. Twice now one of us has not been able to travel, but the other went alone, so we didn't lose anything, at least not cash-wise.

However, we're now planning a big old anniversary Disney cruise/Disneyland trip that will cost a very significant chunk of change, so maybe for that one we will get insurance. Depends on how much insurance costs, I guess.

alicemouse's picture
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Joined: 10/22/2013
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You can buy trip insurance directly through Disney at the time of booking. We have purchased trip insurance a few times depending on the cost of the trip and what's been going on at home when we book. More often than not, we skip it, but it did come in handy for my parents one time. My grandmother became very ill and my mother is her caretaker. They were supposed to go on a cruise (I forget what line) and the insurance they had purchased enabled them to get a full refund with very few questions asked. In general, I agree with the Colonel. I am not quick to purchase trip insurance, extended warranties, etc. If I add up the cost of warranties and insurance that I haven't bought, I can certainly justify sucking up the occasional loss.

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Mrferret's picture
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Joined: 03/02/2013
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Wouldn't dream of going without insurance.Then it might be different for us as we are travelling halfway around the world so any problems become magnified.

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Ollie's picture
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Joined: 12/28/2011
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We usually don't get insurance for domestic travel unless, like with a cruise, we have laid out a large chunk of money, and or have a complicated flight connection. But like the Colonel said, for international travel, we always insure.
Any kind of insurance is a crap-shoot. Travel insurance and rental car insurance. . . You pay and pay and the majority of the time get nothing but some peace of mind. Sometimes the peace of mind is so worth it.

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Joined: 03/22/2014
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We don't get to take vacations a ton so the cost of the insurance definitely wouldn't add up to what we've spent. My father had a stroke a week before he went to Italy and they had no insurance. Thankfully after lots of scrounging, they were able to find someone to take their place in the tour and they only lost a small amount.

We will be going right during peak hurricane season which makes me nervous so we'll probably fork out the cash for the insurance. It's like $150 (I went ahead in the booking process through Disney to see). I'm not an extended warranty buyer for tangible items but losing all the money for a trip that never happened would be frustrating.

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CdnSquirrel's picture
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Joined: 10/12/2013
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I checked and we can get travel insurance that covers medical expenses through our bank here in Canada