disney cruise trip protection

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Disney Cruise Travel Insurance

Disclosure: This guide about Disney Cruise travel insurance contains affiliate links. Read full Disclosure Policy .

Disney Cruise Insurance

...do you need it?

By Alisha Molen

There's a 17% chance you'll need it*

* Source: US Travel Insurance Association Survey

You're spending $5000 or more on your Disney Cruise. Are you willing to gamble this money?

E ssentially, this is the question we're asking ourselves when deciding whether or not to purchase cruise travel insurance for a Disney Cruise . (Or Aulani vacation .)

For me , the answer is no. Disney Cruises are expensive. I'm not willing to gamble the money I'm spending on this dream vacation.

But everyone is different. Let's explore what might be right for you.

Why? What Could Go Wrong?

1 in 6 americans.

say their travel plans have been impacted by medical conditions, natural disasters including severe weather; or mechanical or carrier-caused problems.

Travel Can Bring the Unexpected

Here are some real-life examples of things that I have personally experienced or witnessed in my travels:

• Theft on beach in Hawaii
• Pickpocketers in Italy
• Stung by stingray in Mexico
• Trip to Cabo San Lucas cancelled due to hurricane
• Slept in Nashville airport thanks to severe weather forcing a flight cancellation
• Missed connection in Denver
• Lost luggage in Las Vegas, Salt Lake City & Phoenix
• Forced to stay extra day at sea on Disney Cruise thanks to Hurricane Matthew

How Your Disney Cruise Could Be Messed Up

"No one needs insurance until they need insurance."

21 REAL LIFE STORIES “Have you ever had to make a claim for Disney Cruise travel insurance?” Read 21 real life stories .

(I know I don’t.)

Unfortunately, Disney Cruises, despite all their magic , are not immune to accidents or unexpected mishaps.

What can happen on or before a Disney Cruise that could put your vacation dollars at risk?

You Miss the Boat

Your cruise ship has a schedule to keep. It will not wait for you.

You Have to Cancel

Sometimes people get sick, loved ones pass away, divorce can change plans. Depending on when "life happens", your deposit is at risk.

You Get Hurt

With a Disney Cruise brings new adventures. Unfortunately, accidents can happen.

You Lose Your Bags

Losing a bag en route to your cruise is, at best, inconvenient. You might not have time to buy replacements. And if you have to purchase anything on the ship -- that's expensive.

Breakdown of Claims: Why People are Using Trip Insurance

* Source: Tripinsurance.com claims data

Trip Cancellation: 40% of Claims

It happens every day. People have to cancel their Disney Cruises for many reasons. Having Disney Cruise cancellation insurance is a buffer against common reasons like these:

Bad Weather

Bad weather cancels or delays a flight en route to a connection or cruise.

Airline Delay

Airline delay or strike makes you miss a connection or cruise

Death, injury or illness

Death, injury, or illness of a family member

Car Trouble or Accident

Undriveable car or accident on the way

Home is damaged

Your home is damaged due to natural disaster, fire, or burglary

Court appearance

You are summoned by a judge to appear in court (jury duty, etc)

Divorce or Pregnancy

A divorce or unexpected pregnancy causes a change of plans

You're laid off due to no fault of your own

Trip Delays & Interruptions: 37% of Claims

Trip interruption is any situation that causes you to unexpectedly have to end your trip and return home. Trip delay is any time your trip has been delayed due to accident or a canceled flight or whatever.

What could cause a trip interruption or delay?

Natural Disaster

Floods, tornados, wildfires, whatever! Mandatory evacuations can really slow you down

Illness or injury

Getting sick or hurt is no fun. Especially on vacation!

Attack, Assault, Robbery

A vicious attack can interrupt or abruptly end a trip

Job or Money Problems

Have to work unexpectedly?

Labor Strike

When travel workers go on strike, it can really mess up your plans

Trip Provider Bankruptcy

A travel supplier (tour operator, etc) ceases operations due to financial default or bankruptcy

Medical Expense: 13% of Claims

If you get sick, hurt, or (heaven forbid) die while on your Disney Cruise, there can be a bevy of hefty costs. Here are just a few:

Hospitalization

Spending any amount of time in the hospital is expensive

If you get hurt in a remote spot, you'll need to be transported to a hospital

Return of Remains

Care for the deceased after unexpected death

Lost or Delayed Baggage: 9% of Claims

Stuck somewhere without your bathing suit, toiletries, Mickey Ears and fresh pair of undies ?

Yeah, it's a total bummer and inconvenience, but worse...last second replacements are often outrageously expensive.

VIDEO: How to Book Disney Cruise Insurance in 5 Minutes

4 reasons you might not need dcl travel insurance, cost of vacation is minimal.

Not spending much on flights or other travel? Got a screaming deal on a 3-day cruise and it just wasn't that expensive? (If yes, show me how!)

Your Domestic Health Insurance Will Cover Medical Emergencies Abroad

Check with your existing carrier to find out what they will or won't cover overseas.

You're Comfortable with Risk of Lost Luggage

You can deal with the inconvenience of lost or stolen baggage.

You're Okay with Losing Any Amount of Money

You can handle the loss of the cost of your trip plus any additional costs you incur due to medical emergencies, evacuations, or added travel expenses.

What Travel Insurance Should I Choose?

S o, are you leaning toward getting Disney Cruise travel insurance for your upcoming sailing?

Next step is to select an insurance provider.

I know, I know. Seems overwhelming, right?

Don't Stress! I'll Give You a Place to Start

Yes, there are a lot of options out there. A LOT. I definitely recommend you do comparison on your own. However... I've done a lot of research on this. I've got you.

There are two basic types of Disney Cruise travel insurance policy:

Individualized policies tend to cover specific worries you might have. If you want just one type of coverage in particular (e.g. medical) call your insurance company and ask for that.

Comprehensive

Comprehensive insurance policies cover basically everything I mentioned earlier (always read your policy to understand it) all in one package.

Here...let me make it simple

I've looked at a lot of travel insurance options.

To keep things simple, I have narrowed my comparison to two comprehensive options commonly selected by Disney Cruisers:

• Disney Cruise Line's Vacation Protection Plan
• Allianz Global Assistance

Let’s take a look at each...

Disney Cruise Vacation Protection Plan

D isney has Disney cruise insurance coverages that you can purchase through Disney (or your travel agent) that are underwritten by Transamerica Casualty Insurance Company. When Can You Buy Disney Cruise Vacation Protection Plan? You can purchase online, over the phone through DCL, or via your travel agent any time before your final payment is made. How Much Does Disney Cruise Vacation Protection Cost? 8% of the per person sailing fare. Minimum per person cost is $29; maximum per person cost is $399.

Convenience

You can book it at same time you book everything else through DCL or your travel agent.

Flights not covered

Unless you book your air travel through Disney, your flights aren't covered.

More expensive

Per person cost for DCL's insurance is higher than many other plans.

No pre-existing conditions

Pre-existing conditions are not covered

Allianz Global Assistance OneTrip Prime Plan

A llianz Global Assistance offers several plans that vary in coverages.

The most popular plan, and the one that is the best for a Disney Cruise, is called “OneTrip Prime” .

When Can You Buy Allianz Global Assistance's "Prime Plan"? You can purchase up to 11pm eastern of the night before you begin your travels. If you have a pre-existing condition, you'll want to purchase within 14 days of your first deposit, in order to meet an important condition for having pre-existing conditions covered.

How Much Does Allianz Global Assistance "Prime Plan" Cost? Around 2-6% of the total cost of your trip. My last quote was under 4% of my trip cost.

Kids are free

Kids under 18 are covered free when traveling with a parent or grandparent.

Better coverages

Overall better coverage limits.

Half the cost

Cost is about 4% of the total cost of your trip. Disney is 8%.

Pre-existing conditions

Buy policy within 14 days of making first deposit, it will also cover pre-existing conditions.

Umm...it's not Disney?

Only thing I can think of is you have to book Allianz Global Assistance outside of Disney .

What's Covered? Comparison

NOTE: Disney Cruise's own insurance (Vacation Protection Plan) has some restrictions in the fine print: - First, the trip cancellation plan only covers flights booked through Disney. If you make your own flight arrangements, you're not covered. - Second, if you must cancel for a reason that's not covered, all you get is a Disney cruise credit equal to 75 percent of the cancellation fees imposed.

* Benefits as of August 16, 2018

Why I Chose Allianz Global Assistance

Allianz Global Assistance offers quite a bit more coverage for your Disney Cruise travel insurance than the DCL protection plan.

In my personal experience and all of my research, Allianz Global Assistance has provided competitive prices, paid out claims, and given awesome customer service.

Disclosure: If you buy a DCL insurance policy through the Allianz Global Assistance links, I get a small commission. It’s not much but it helps keep the website running and doesn’t cost you any extra. You don’t have to use my links, but I’m very thankful when you do. I recommend them not because of the commission but because I use them myself. 

GET A FREE (AND QUICK) QUOTE

Click the image below to get a quick quote from Allianz Global Assistance for your Disney Cruise travel insurance.

Understand Your Disney Cruise Cancellation Insurance Policy

Frequently asked questions, what if i have personal health insurance.

Check with your personal health insurance company and ask if they cover overseas personal travel. Most do not. Remember that Disney Cruise travel insurance (also known as DCL insurance) not only gives you more health coverage but also provides insurance for flight delays, travel interruptions and lost luggage.

Can I Change My Mind?

All trip insurance plans have a "Free Look" period that starts when the plan is purchased and lasts between 10 and 15 days (check your plan details).

This free look period gives you time to review your policy and return it for a refund within the time period.

How to Make an Travel Insurance Claim

Regardless of what Disney Cruise travel insurance provider you go with, here are three tips to help you if you ever have to make a claim:

Doctor Support

If you cancel a trip due to sickness or you have a medical emergency while traveling, you will need documentation from a doctor.

Keep All Documents

The more documentation you have of your expenses, the better. The insurance company will require proof of expenses, amounts you have paid, and any refunds you may receive.

Contact your Disney Cruise travel insurance company as soon as possible. Virtually every good trip insurance company offers 24/7 support. Get in touch with them early and assume nothing. Ask a lot of questions.

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Is Disney Travel Insurance Worth the Cost?

Sally French is a travel rewards expert who joined NerdWallet in 2020. She previously wrote about travel and credit cards for The New York Times and its sibling site, Wirecutter.

Outside of work, she loves fitness, and she competes in both powerlifting and weightlifting (she can deadlift more than triple bodyweight). Naturally, her travels always involve a fitness component, including a week of cycling up the coastline of Vietnam and a camping trip to the Arctic Circle, where she biked over the sea ice. Other adventures have included hiking 25 miles in one day through Italy's Cinque Terre and climbing the 1,260 steps to Tiger Cave Temple in Krabi, Thailand.

She lives in San Francisco.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What Disney travel insurance covers

How much is disney travel insurance, reasons to get disney travel insurance, reasons to skip disney travel insurance, better alternatives to disney travel insurance, when is disney travel insurance worth it.

Disney travel insurance has a flat fee: $82.50 per adult and $6 per child.

That's a great deal if your trip is expensive, not so much if you're on a budget.

Coverage is relatively limited.

Most travelers can consider other, more flexible options.

A Disney vacation can be a trip of a lifetime. It can also be the most expensive trip of your lifetime.

For many, buying travel insurance should be just as essential as buying a churro as you cruise down Main Street. Maybe you booked a vacation but later lost your job; you might want to delay until you regain a stable income stream. Maybe your kid breaks his leg and you want to rebook when it’s healed.

Trip insurance can be purchased from a dedicated travel insurance company , or you might already have it by holding certain credit cards. Otherwise, you might buy it directly from Disney, which offers insurance as an add-on for vacation packages at its U.S. theme parks.

Is Disney travel insurance worth it, or are there better deals out there?

If you’re heading to Walt Disney World in Florida or Disneyland in California and you’ve booked a vacation package (meaning a hotel and theme park tickets), you’re eligible to purchase Disney’s Travel Protection Plan. Underwritten by Arch Insurance Company, it’s available for purchase by U.S. residents and U.S. citizens living abroad who book through Disney’s website.

Exact coverage and benefit availability varies based on where you live, but it typically includes:

Trip cancellation or interruption: Reimburses prepaid travel up to your total trip cost for covered reasons including illness, injury, job loss or military service.

Trip delay: Reimburses eligible expenses of up to $200 per day ($600 per trip).

Baggage loss: Reimburses up to $2,000 for lost, stolen or damaged luggage.

Bag delay: Reimburses purchases of necessary items if your bags are delayed 12 or more hours.

Emergency medical expenses: Provides up to $25,000 of coverage if you get ill or injured while traveling.

Rental car damage: Reimburses repair costs up to $25,000 in the event of collision, theft, damage or vandalism.

While Disney doesn’t outright state its prices, a NerdWallet analysis of several travel packages found that it costs a flat rate of $95 per adult (children age 17 and under are free when travel protection is purchased for the adults on the reservation).

Flat-rate travel insurance can be good for ultra-expensive trips, but a bad deal for budget trips.

Take a seven-night stay during the week of Christmas 2022 for a family of four (two adults and two children) at Disney’s opulent Grand Floridian Resort & Spa. Book it alongside six-day theme park tickets with all the add-ons — like water park admission — and you’d pay about $12,000. Adding on travel insurance would cost $190, which is 1.6% of your overall cost.

But say you instead planned a trip at the end of September when the kids are back at school. Two adults could stay at Disney's All-Star Movies Resort with basic, two-day tickets for just $850. Adding Disney’s insurance would increase your package cost to over $1,000, which is an overall price increase of nearly 20%.

Travel insurance that nets out to just 1.6% of your overall trip cost is a deal, but 20% is far from it. After all, most travel insurance costs between 4% to 8% of the total trip, according to the U.S. Travel Insurance Association.

Flat-rate travel insurance, as Disney offers, is pretty rare. Most policies are priced based on factors including the length of your trip, your destination and the age of the policyholder.

Here’s why it might make a good deal:

Flat-rate pricing is better for more expensive trips: If a costly trip is going to result in equally costly travel insurance, opting for flat-rate pricing is smart. And it’s not just a fancy hotel and Disney theme park tickets with all the add-ons like front-of-the–line passes. Factor in other nonrefundable trip elements, such as airfare and pre-paid rental cars. If you’re flying first class , or you’re hit with rising rental car prices , then flat-rate insurance is especially appealing.

You’re an older adult: Travel insurance costs are based on risk, and insurance is more expensive for older travelers, who are more likely to experience health problems, according to Allianz Travel Insurance.

Because Disney’s only age differentiator is child versus adult, its plan might be cheaper for older adults versus going with an independent insurer.

Many other policies won’t cover theme park tickets: Ever since the COVID-19 pandemic, Disney has required travelers to make advance reservations to enter its U.S. theme parks. The days of buying tickets first thing in the morning are gone. For popular days, you’ll often have to reserve your tickets months in advance. But while most policies cover cruises, airfare, lodging and tours, it’s tough to find policies that cover theme park tickets.

Because of the high cost of Disney tickets (and the fact that most Disney tickets are nontransferable and nonrefundable), you likely want to be covered for those too.

But most people would be better off skipping Disney insurance. Here are a few reasons why:

Maximum coverage is relatively low: Disney’s insurance will pay out a maximum of $25,000 in the event of accidental death and dismemberment, while it’s common to find coverage of up to $500,000 elsewhere.

Similarly, Disney’s policy covers up to $2,000 for lost baggage. That might be insufficient if you’ve packed a fancy camera. With other insurance policies, coverage of at least $3,000 is common.

And Disney’s rental car coverage only reimburses repair costs of up to $25,000. Especially given rising car prices , that might not be enough for serious accidents.

Coverage is limited: Actually getting reimbursed with your Disney travel insurance can be tricky. Covered events are restricted to narrow situations, including injury, a family member’s death or jury duty. Plus, you must provide proof, like a court order or death certificate. Disney’s insurance also won’t cover pre-existing conditions.

You don’t want to book a Disney hotel: Disney’s insurance is only available to travelers staying at one of Disney’s own (expensive) resorts. If you’re going to Disney World on the cheap , staying off-property is almost always cheaper. Don’t let eligibility to purchase Disney insurance persuade you to book a Disney resort that’s outside of your ideal budget.

Before your Disney trip, compare travel insurance quotes from multiple providers. And don’t overlook these other types of travel insurance:

Cancel For Any Reason coverage

Perhaps an uptick in COVID-19 cases has you considering travel. Or maybe an injury is preventing you from travel, but you don’t have a doctor’s note to prove it. Given the limited number of reasons that qualify for coverage, you might be better off with “ Cancel For Any Reason ” coverage, which covers you no matter why you cancel.

Look to your credit card

Some credit cards offer travel insurance as a benefit, as long as you purchased the trip on that card. Given the high cost of travel insurance, this benefit alone can often be worth the often-high annual fees these cards charge.

Check with your bank to see what’s covered. For example, the insurance offered via many Chase credit cards explicitly won’t cover theme park tickets.

Given the uncertainty of travel these days, even a quick weekend getaway should have some degree of insurance. But you might not need to pay for Disney’s travel insurance.

As long as you’re OK with your theme park tickets not being insured, the travel insurance offered through many credit cards is likely a better bet, and might not cost you anything once you hold the card. If you really want to ensure coverage, paying for a Cancel For Any Reason might be even better.

Photo courtesy of Disneyland Resort.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee:   Bank of America® Travel Rewards credit card

Flat-rate travel rewards:  Capital One Venture Rewards Credit Card  

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

• Disney Cruise Line / News

Changes Being Made to the Disney Cruise Line Vacation Protection Plan

by Whitney Littlejohn · May 19, 2022

Beginning May 18, 2022, the Medical and Trip Cancellation/Trip Interruption coverage included with Vacation Protection Plan (VPP) for Disney Cruise Line will increase from $10,000 to $20,000 per person. With this update, there will also be an increase in the maximum premium a Guest may be charged for VPP.

Image Credit: Disney

The cost of VPP will still be 8% of the Voyage Fare per Guest (all ages). The minimum charge per Guest remains the same at $35; however, the maximum a Guest may be charged in premium will now increase from $800 to $1,600 maximum. The maximum per person charge for VPP is based on the Insurance Effective Date (the date VPP is paid in full). 

Photo: Disney

For more information on the Vacation Protection Plan, please visit Disney Cruise Line > Add-On Option > Disney Cruise Line Vacation Protection Plan on the Disney Travel website.

Note:  The maximum cost per person of $1,600 aligns with the maximum coverage limit for the Vacation Protection Plan, which will be $20,000 per person (i.e., 8% of $20,000 is $1,600).

For the most up-to-date Disney news, keep it here with MickeyBlog.

Thinking of a Disney vacation? There’s never been a better time to work with an Authorized Disney Vacation Planner who can help you navigate through Disney World’s new way of doing things! I’ll be on hand to assist with everything from finding that perfect package and getting the best deals to organizing park passes, Disney Genie+, and dining reservations. Best of all, my services are ABSOLUTELY FREE!

Just fill out my form HERE to get your FREE, no-obligation quote. Also, feel free to reach out directly at 843.288.1130, via email at [email protected] or follow along on Facebook and Instagram .

Source: Disney

Tags: Disney Cruise Line Vacation Protection Plan

Whitney Littlejohn

Whitney is a wife and mom of 2 princesses of her own. She has grown up visiting Disney World and has turned her passion into a career. When she's not at the parks, she can be found planning her client's vacations with MickeyTravels and sharing advice with readers at MickeyBlog. Please reach out for a free, no-obligation quote at 843-288-1130 or [email protected].

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10 Frequently Asked Questions About Travel Insurance for Your Disney Cruise

If only I had a dollar for every question I get about travel insurance!  Well I might just be able to pay for another cruise.  A short 3-night cruise in the off season in an inside cabin, but still.  Insurance is a mysterious creature.  Coverage is hardly ever cut and dry, and there are reasons for that.  And it’s not cheap!  Trust me, I understand it’s painful to pay for something you may or may not ever use.  In fact, you are paying for something we hope you never have to use!  I can’t tell you what to do, but maybe I can help you approach the insurance choice for your Disney cruise from a more informed place.  Here are 10 frequently asked questions!

I even used my trip insurance one time to get reimbursed for having to spend the night in Seattle when weather prevented us from getting to Vancouver from Colorado for an Alaskan cruise. That was in May. No snow, no storms, just a windy day! Just remember, a cruise isn’t like a normal vacation where you can just go a day late should travel delays or weather occur. If you miss the ship, you miss your vacation! Insurance is important for so many reasons on a cruise.

3. Is It Refundable? – I’ve been asked multiple times (even by beloved family members) the following question in one form or another: “Will I get a refund after my cruise for my travel insurance if I don’t use it?” I think the answer is obvious, but a quote from a favorite commercial always pops into my mind, “That’s not how this works, that’s not how any of this works…”  Many plans will give you a few days to change your mind after purchase, but otherwise, once you’ve bought it, that money is gone. One exception to this is adding Disney’s insurance to your cruise before final payment. You don’t actually pay for it and Disney does not actually purchase your policy until you have made final payment. So, no matter how early you add it, you can remove it up until final payment.

5. Does It Cover Air? – Maybe. Disney’s insurance plan will not cover air if you do not purchase the air through Disney. For other plans? It depends on the coverage, but usually air is wrapped up in the cost of your trip and is covered.

7. What if I Can’t Go? – Trip Insurance may help, it depends on your policy and why you are cancelling. Some reasons will be covered with most policies. Life-threatening illness of an immediate family member for example. Some companies offer “cancel for any reason” insurance. You can literally decide you don’t want to leave your dog Fluffy and get your money back. “Cancel for any reason” policies can be awfully expensive though. If your main fear is cancelling, Disney’s insurance plan is a great option and has a cancel for any reason clause. Disney’s insurance plan will give you back 75% of your non-refundable cost back in the form of a future cruise credit if you cancel for a reason that’s not covered and thus not entitled to a full refund. In my opinion, it’s the number one reason to get insurance through Disney.

9. Are Claims Usually Accepted? – Let’s face it, insurance companies make their money when they don’t have to actually pay claims. Read the fine print before you purchase a plan, and cross your t’s and dot your i’s when you file a claim. If it’s a health related claim, you will usually be asked to file with your personal health insurance company first, and then file with the travel insurance company for anything that is denied. For other claims, they may need receipts for additional expenses incurred, proof of flight delays, or other pertinent information. I won’t lie, it’s not a quick process. But worth it when it works!

10. I Travel Frequently, is There a Better Option? – There is! I’m a big fan of annual travel insurance. One purchase will cover your travel for a year.  Allianz and Travel Guard are two of the big companies that offer annual travel insurance. It’s not cheap, but it’s a whole lot less than buying insurance even two or three times a year.

So are there any travel insurance tidbits you have to share? Any advice for those looking for travel insurance? Any stories (good or bad) of having to use travel insurance or wishing you had purchased it? Share with us!

Tammy Whiting  is the owner of  Storybook Destinations . Did you know Storybook Destinations offers a  complimentary subscription to TouringPlans  with qualified Disney and Universal bookings? Click  here for a no-obligation quote on your next vacation.

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Tammy Whiting

Tammy has been a lover of all things Disney for most of her life. There’s nowhere on this Earth she’d rather be than on a Disney cruise with her family. She’s a Space Force wife and proud mom of two wonderful children and one beautiful daughter-in-law . She fulfilled a lifelong dream in 2008 and became a travel agent specializing in Disney vacations. She now owns her own travel agency - Storybook Destinations. You can reach Tammy at [email protected].

9 thoughts on “ 10 Frequently Asked Questions About Travel Insurance for Your Disney Cruise ”

Great post! Thanksgiving of 2014 our family’s plan was a week long Royal carribean cruise. Flew from Omaha to Tampa only for both my husband and I to get the stomach flu the night before boarding. Thank goodness we had trip insurance. There was no cruise but we used the insurance money to take the kids to Disney the summer 2015. Of course we were so sad to miss our cruise but it could have been so much worse if we would have been out thousands of dollars.

Yes! Thank goodness you did! So glad it worked out. 🙂

Travel Insured has been awesome to us with two Disney vacations – one we had to cancel the week before leaving because of illness, and one that got interrupted due to illness. They’ve been professional, helpful, and prompt paying claims. No hassle at all, and well worth the money. We won’t plan any vacation longer than a weekend without insuring it through them.

Great review, Carol! Thank you!

I bought Travelex trip insurance for a family trip to Quebec last summer. It worked – my daughter had an urgent care visit and antibiotics the day before we left for home. Paid out of pocket, did not file with our normal insurance, and Travelex reimbursed us completely. The only delay was on our side because we took our time (months) to file.

That’s good to hear!

I recently got a new Citibank credit card. I read the fine print and saw that trip cancellation, trip interruption, and trip delay coverage was offered for any travel purchased with that card. I figured it was minimal coverage, so I compared it to the travel insurance I purchased for a recent cruise, and I found that in most cases the credit card was about the same and in a handful of places it was more generous than the coverage. So make sure you don’t pay for a service your credit card already pays for; find and read the fine print!

Good point, we planned on doing a Disney cruise a few years ago but plans changed before we booked. I gave Visa a call to ask them about coverage and they told me pretty much the same detail that our card, which we pay annual due on, covers everything that the cruise insurance does with some slight variations. However the major concern area such as emergency medical evacuation is covered.

Tammy what is your experience with credit card insurance coverage?

That’s a great point! Card coverage varies widely, but there is a chance yours will fit your needs. I’ve never heard of one having a cancel for any reason clause, and coverage for a pre-existing condition is also very rare, but there are a few cards out there with great coverage. You should definitely check your cards fine print to see if it covers your major concerns.

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Cruise Lines

Disney cruise line: flexible cancellation policies and trip protection.

Table of Contents

Key Takeaways

• Disney Cruise Line has a flexible cancellation policy that allows cruisers to cancel up to 60 days prior to sailing with no penalty.
• Different cancellation policies apply based on the length of the sailing, with penalties starting at 55 days prior to sailing for cruises 1-5 nights and at 44 days prior to sailing for longer cruises.
• Guests sailing on or before September 30, 2022, can modify their plans up to 15 days prior to departure and choose a new sail date prior to September 30, 2023.
• The Disney Cruise Line Vacation Protection Plan offers benefits such as trip cancellation/interruption coverage, medical expense coverage, and a Cancel For Any Reason benefit that provides a future cruise credit for up to 75% of the cancellation fee amount.

Cruise Booking and Payment

Cancellation Policies

• Cruisers can cancel up to 60 days prior to sailing with no penalty, but penalties apply based on the length of the sailing.
• Suites and concierge cabins have a shorter cancellation window, with penalties starting at 29 days or less.
• Guests sailing on or before September 30, 2022, have the flexibility to modify their plans up to 15 days prior to departure.
• Disney Cruise Line offers a Vacation Protection Plan that provides benefits such as trip cancellation/interruption coverage and medical expense coverage. The Cancel For Any Reason benefit even offers a future cruise credit for reasons not covered by insurance.

Disney Cruise Line Vacation Protection Plan

Disney Cruise Line Air Program

Additional information.

Frequently Asked Questions

Can i cancel my disney cruise reservation after the final payment has been made, are there any penalties for cancelling a disney cruise within 60 days of the sailing date, what happens if i test positive for covid-19 before my disney cruise, can i get a refund for the air portion of my disney cruise package if my flight is delayed or cancelled, are there any options for changing my disney cruise reservation if i have already taken advantage of the flexible date change policy.

Meet Asra, a talented and adventurous writer who infuses her passion for exploration into every word she writes. Asra’s love for storytelling and her insatiable curiosity about the world make her an invaluable asset to the Voyager Info team.

From a young age, Asra was drawn to the power of words and their ability to transport readers to far-off lands and magical realms. Her fascination with travel and cultures from around the globe fueled her desire to become a travel writer, and she set out on a journey to turn her dreams into reality.

Cruising Through Time: Norwegian Cruise Line’s Ship Evolution

Choosing The Perfect Cruise: Msc Vs. Carnival

Meet Asra, a talented and adventurous writer who infuses her passion for exploration into every word she writes. Asra’s love for storytelling and her insatiable curiosity about the world make her an invaluable asset to the Voyager Info team. From a young age, Asra was drawn to the power of words and their ability to transport readers to far-off lands and magical realms. Her fascination with travel and cultures from around the globe fueled her desire to become a travel writer, and she set out on a journey to turn her dreams into reality.

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What is a folio number carnival cruise.

• A folio number on a Carnival cruise is used to manage and track expenses incurred during the cruise.
• It is different from a booking number, which is used to reserve and confirm a cabin on the cruise.
• Reviewing and understanding the folio statement is important to ensure accuracy of charges and to avoid any unexpected expenses.
• The folio number can be used to dispute incorrect charges and seek resolution for any billing discrepancies.

Definition of a Folio Number

Importance of a Folio Number on a Carnival Cruise

How to obtain your folio number.

• Visit the Carnival website and log into your account.
• Navigate to the ‘Manage My Booking’ section.
• Locate your booking details and find your folio number.

Linking Your Onboard Expenses to Your Folio Number

Tracking your spending with your folio number, settling your account with your folio number, benefits of having a folio number, tips for managing your folio number, common questions about folio numbers answered, final thoughts on the significance of a folio number on a carnival cruise, can i use my folio number for purchases made off the ship, what happens if i lose my folio number during the cruise, is it possible to change my folio number once it has been assigned, are there any fees associated with using a folio number on a carnival cruise, can i link multiple credit cards to my folio number for payment, what is the difference between a folio number carnival cruise and an ultra cruise on carnival.

Claire, a creative soul with an unquenchable thirst for storytelling, is an integral part of the Voyager Info team. As a dedicated writer, she weaves captivating narratives that transport readers to enchanting cruise destinations and beyond.

Claire’s love affair with writing began at an early age when she discovered the magic of words and their ability to craft worlds and emotions. Her innate curiosity led her to explore various literary genres, but it was travel writing that truly captured her heart. Drawing inspiration from her own globetrotting adventures and encounters with diverse cultures, Claire embarked on a journey to become a travel writer par excellence.

What Is Included On A Carnival Cruise

• Carnival Cruise Line offers a wide range of dining options, including casual buffets, elegant sit-down restaurants, and specialty dining experiences with exquisite dishes.
• The entertainment and activities on Carnival cruises are diverse and exciting, with Broadway-style shows, comedy clubs, live music performances, water parks with thrilling slides, and sports facilities for friendly games.
• The accommodations on Carnival cruises are cozy and luxurious, with soft beds, elegant decor, and breathtaking ocean views. There is a range of accommodation types to choose from, all equipped with amenities for comfort.
• Carnival cruises offer a variety of onboard amenities, such as spa and fitness centers for ultimate relaxation, casino and gaming areas for luck and thrill, and shops and boutiques for retail therapy. The spa and fitness center offer rejuvenating treatments, soothing massages, state-of-the-art fitness equipment, and fitness classes led by experienced instructors. The casino and gaming areas provide a wide variety of exciting games and gambling options, including classic table games and slot machines.

Dining Options

Entertainment and activities, broadway-style shows, comedy clubs and live music, water park and sports facilities, accommodations, onboard amenities, spa and fitness center, casino and gaming areas, shops and boutiques, kids and family programs, excursions and ports of call, onboard activities, nightlife and bars, nightclubs and themed bars, live music and dj performances, spa and wellness, customer service and support, what are the safety protocols and measures in place on a carnival cruise, can i bring my own alcohol on board, are there any age restrictions for the different activities and amenities on the cruise, are there any special dining options available for guests with dietary restrictions or allergies, can i bring my pet onboard a carnival cruise, what are the main differences in what is included on a disney cruise compared to a carnival cruise, what is the average age of passengers by cruise line.

Setting out on an exploration across the immense sea of data, my objective is to reveal the age groups that favor cruising as their choice of holiday. This endeavor highlights the varied experiences provided by different cruise lines.

Like a tapestry woven with different threads, each line attracts a unique blend of passengers, creating a vibrant mosaic of age groups.

Carnival Cruise Line, with its playful spirit and lively atmosphere, appeals to a younger crowd, while Holland America Line exudes elegance and sophistication, drawing in a more mature clientele.

Royal Caribbean International and Celebrity Cruises cater to a wide range of ages, offering activities and entertainment for both the young and the young at heart.

Norwegian Cruise Line and Princess Cruises, on the other hand, strike a balance between relaxation and adventure, attracting passengers from various age brackets.

Join me on this enchanting journey as we explore the average age of passengers across these renowned cruise lines, uncovering the hidden patterns within the data.

• The average age of passengers on Norwegian Cruise Line is around 45 years old, indicating a focus on attracting a younger crowd.
• Princess Cruises caters to a diverse range of travelers of all ages, offering family-friendly experiences and a romantic atmosphere for couples.
• Both cruise lines provide exceptional onboard entertainment, including Broadway-style shows, live music performances, cooking demonstrations, and art classes.
• The onboard amenities of both cruise lines include luxurious spas, swimming pools, fitness centers, and facilities for passenger pampering, catering to the enjoyment and relaxation of all passengers.

Carnival Cruise Line

The average age of passengers on Carnival Cruise Line is typically lower than other cruise lines.

Carnival Cruise Line is known for its vibrant onboard entertainment and family-friendly activities, attracting a wide range of age groups.

With a focus on creating a fun and energetic atmosphere, Carnival offers a variety of entertainment options such as live shows, comedy clubs, and themed parties.

Families can enjoy activities like water parks, mini-golf, and age-specific kids’ clubs.

These offerings appeal to younger travelers, contributing to the lower average age on Carnival Cruise Line.

As we transition into the subsequent section about Holland America Line, it is important to note that while Carnival attracts a younger demographic, Holland America Line tends to appeal to a more mature audience.

Holland America Line

Holland America Line offers a sophisticated atmosphere and elegant dining experience that caters to guests seeking a refined cruise experience. With a focus on gourmet cuisine and top-notch service, passengers can indulge in a luxurious dining experience throughout their voyage.

Additionally, Holland America Line offers a wide range of enrichment programs and cultural activities, allowing guests to expand their knowledge and immerse themselves in the destinations they visit. From lectures by experts to cooking demonstrations and art classes, there is something for everyone to enjoy.

Lastly, Holland America Line boasts relaxing spa and wellness facilities that provide the perfect retreat for guests looking to unwind and rejuvenate. With a variety of treatments and therapies available, passengers can pamper themselves and enhance their overall well-being while cruising.

Sophisticated Atmosphere and Elegant Dining

Indulge yourself in the sophisticated atmosphere and elegant dining of Holland America Line, where you’ll discover a world of refined cuisine and exquisite ambiance. This cruise line is renowned for its sophisticated ambiance, immersing passengers in a luxurious environment that exudes elegance. The fine dining options offered onboard are nothing short of exceptional, with a diverse selection of gourmet dishes prepared by talented chefs. From delectable seafood to succulent steaks, every meal is a culinary delight. To add a touch of sophistication to this description, let me present a table that showcases the variety of dining options available:

Now, let’s move on to the next section, where we will explore the enrichment programs and cultural activities offered by Holland America Line.

Enrichment Programs and Cultural Activities

Get ready to immerse yourself in a world of cultural activities and enrichment programs that will captivate and inspire you throughout your Holland America Line experience. Here are four incredible offerings that showcase the line’s commitment to providing a diverse range of experiences:

By offering such a wide array of enrichment programs and cultural activities, Holland America Line caters to a diverse age demographic, ensuring that passengers of all ages can engage in activities that interest them.

Transitioning into the subsequent section about relaxing spa and wellness facilities, you’ll find an oasis of tranquility where you can rejuvenate and unwind.

Relaxing Spa and Wellness Facilities

Immerse yourself in a world of tranquility and rejuvenation with Holland America Line’s relaxing spa and wellness facilities.

With a wide array of spa treatments and wellness programs, Holland America Line ensures that passengers can unwind and revitalize their mind, body, and soul.

From luxurious massages to invigorating facials, their spa treatments are designed to pamper and provide ultimate relaxation.

In addition, meditation classes are offered to help passengers find inner peace and harmony amidst the hectic pace of cruising.

By incorporating these wellness facilities and programs, Holland America Line caters to passengers who seek a holistic experience during their cruise vacation.

Transitioning into the subsequent section about ‘Royal Caribbean International’, let’s explore another aspect of the cruise experience that focuses on entertainment and recreational activities.

Royal Caribbean International

Passengers on Royal Caribbean International cruises tend to be of a certain age, adding a touch of sophistication to the overall atmosphere. With a focus on providing a diverse range of experiences, Royal Caribbean attracts passengers from all walks of life, but the average age of their passengers tends to be slightly higher compared to other cruise lines.

This can be attributed to the cruise line’s reputation for offering a wide array of activities and amenities that cater to a more mature audience. From the luxurious spa and wellness facilities to the refined dining options and entertainment choices, Royal Caribbean ensures that its passengers have a sophisticated and enjoyable experience.

As we transition into the next section about Celebrity Cruises, it is interesting to note that this cruise line also appeals to a similar demographic, but with its own unique offerings.

Celebrity Cruises

Celebrity Cruises offers a sophisticated and elegant atmosphere that transports you to a world of luxury and refinement. With its dedication to providing exceptional service and unparalleled experiences, Celebrity Cruises attracts a diverse range of passengers.

When it comes to the average age of passengers, Celebrity Cruises appeals to a slightly older demographic compared to other cruise lines. The average age of passengers on Celebrity Cruises is around 55 years old, reflecting the brand’s focus on providing a more refined and upscale experience. This age range aligns with the cruise line’s emphasis on cultural enrichment, gourmet dining, and world-class entertainment.

Celebrity Cruises caters to sophisticated travelers who appreciate the finer things in life.

Moving forward to the subsequent section about Norwegian Cruise Line, we delve into a cruise line that offers a different experience for passengers.

Norwegian Cruise Line

As you step aboard a Norwegian Cruise Line ship, you are transported to a world of boundless freedom and exhilarating adventures, where every moment is a thrilling journey waiting to unfold. When it comes to the average age of passengers on Norwegian Cruise Line, the company caters to a diverse demographic. With a wide range of itineraries and activities, Norwegian Cruise Line attracts passengers of all ages, from families with children to older adults seeking relaxation and exploration. However, the cruise line is known for its vibrant and energetic atmosphere, appealing to a younger crowd. According to industry data, the average age of passengers on Norwegian Cruise Line is around 45 years old. This aligns with the cruise line’s focus on providing a dynamic and youthful experience for its guests. Moving on to the next cruise line, Princess Cruises offers a unique and captivating journey.

Princess Cruises

Embark on a majestic voyage with Princess Cruises and immerse yourself in a world of enchantment and discovery.

When it comes to the average age of passengers, Princess Cruises attracts a diverse range of travelers.

With a focus on providing exceptional onboard entertainment and amenities, Princess Cruises caters to passengers of all ages. From Broadway-style shows and live music performances to cooking demonstrations and art classes, there is something for everyone to enjoy.

The onboard amenities are equally impressive, with luxurious spas, swimming pools, and fitness centers to keep passengers pampered and active during their voyage.

So whether you’re looking for a family vacation or a romantic getaway, Princess Cruises offers an unforgettable experience for passengers of all ages.

Can children and teenagers travel on these cruise lines?

Children and teenagers can travel on most cruise lines, but there are age restrictions and youth programs available. The industry recognizes the importance of catering to all age groups, providing a safe and enjoyable experience for everyone.

Are there any age restrictions or requirements for passengers on these cruise lines?

There are age restrictions and minimum age requirements for passengers on cruise lines. Each cruise line has its own policies, but typically children must be at least 6 months old to sail.

Are there any specific cruise itineraries or ships that cater to older passengers?

There are several cruise itineraries and ships that cater to older passengers. These ships offer specific onboard activities and amenities tailored to their needs, ensuring a comfortable and enjoyable experience for the older demographic.

Is there any information available about the average age of crew members on these cruise lines?

The average age of crew members varies across cruise lines, and it can have an impact on the passenger experience. Younger crew members may bring a more energetic vibe, while older crew members may offer a more experienced and refined service.

Are there any specific onboard activities or amenities that are popular among passengers of a certain age group?

Popular onboard activities and amenities vary by age group. Younger passengers tend to prefer high-energy activities like rock climbing and water slides, while older passengers often enjoy more relaxed options such as spa treatments and wine tastings.

After analyzing the data on the average age of passengers by cruise line, it is evident that each company caters to a distinct demographic.

Carnival Cruise Line, with its vibrant atmosphere and exciting activities, attracts a younger crowd, while Holland America Line appeals to a more mature audience seeking a refined and elegant experience.

Royal Caribbean International and Celebrity Cruises strike a balance between youth and sophistication, targeting a broad range of age groups.

Norwegian Cruise Line and Princess Cruises cater to individuals seeking relaxation and tranquility.

The cruise industry truly offers something for everyone, ensuring a delightful voyage for every traveler.

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As an affiliate, we may earn a commission from qualifying purchases. We get commissions for purchases made through links on this website from Amazon and other third parties.

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How Much is Disney Travel Insurance?

Whether you want to finally see Cinderella’s castle or book a Disney Cruise , a Disney vacation is sure to be a memorable trip. However, it could also be one of the most costly trips of your lifetime; for many, travel insurance is crucial. After all, there are many uncertainties in travel these days. 

By the Numbers

You can purchase travel insurance from a reputable company, or you may already have it available through certain credit cards. If not, you may buy it directly from Disney, which provides insurance as an add-on for various vacation packages at its United States theme parks. Disney’s travel insurance costs approximately $6 per child and $82.50 per adult for its theme park vacation packages at Walt Disney World Resort in Florida.

Fixed-fee travel insurance policies are perfect for ultra-expensive vacations but a lousy option for budget vacations. Take a five-night stay during the Easter holiday for a family of five at Four Seasons Resort Orlando at Walt Disney Resort, for instance. If you book your stay alongside four-day theme park tickets and opt for add-ons such as water park admission, you may pay approximately $15,000. Adding travel insurance may cost $183; roughly 1.22% of your overall travel cost.

But suppose you planned a trip in May when the children are at school–two adults can stay at Disney’s Wyndham Lake Buena Vista, for example, with three-day tickets for $1,200. When you include Disney travel insurance, your cost increases to $1,365—an overall price increase of approximately 14%. 

Travel insurance that works out to 1.2% of your overall vacation cost is a good deal, but 14% is far from that. Most travel insurance costs between 5% and 10% of the total vacation cost, per the United States Travel Insurance Association.

A Disney Cruise, on the other hand, has a different price structure for its travel insurance.  The price for a Disney Cruise travel protection plan is based on a percentage of the voyage fare (typically around 8%) rather than a fixed dollar amount; but there is also a minimum cost ($35 per person) and maximum cost ($1,600 per person) limit in place to ensure that the premium cost is never too low or high.

As an example, a 7-night European cruise for two people in summer 2023 had a trip price of $8,078 (before taxes and port fees), and travel insurance was an additional $646.24 (8% of the fare).

What Does Disney Travel Insurance Cover?

If you’re planning to visit Disneyland in California or Walt Disney World in Florida and have booked hotel and theme park tickets, you qualify for Disney’s Travel Protection Plan. This insurance plan was underwritten by Arch Insurance Company and is available for United States residents or United States residents living abroad who book via Disney’s website. (If you have questions about where to purchase Disney World tickets , take a look at our other articles on the subject).

The exact benefits and coverage availability of Disney’s Travel Insurance depend on your location, but usually include:

• Trip interruption or cancellation–this provides prepaid vacations up to your total cost for covered reasons, such as injury, illness, military service, or job loss.
• Trip delay–this reimburses expenses of up to $600 per trip or $200 per day. 
• Luggage loss–this reimburses $2,000 for stolen, damaged, or lost luggage.
• Luggage delay–this reimburses essential items if your luggage is delayed for twelve or more hours.
• Emergency medical costs–this offers a maximum of $25,000 if you become ill or injured while traveling.
• Rental vehicle damage–this reimburses repair expenses of up to $25,000 in case of theft, collision, vandalism, or vehicle damage.
• Travel accident–this offers a maximum of $25,000 in case of dismemberment or accidental death.
• Emergency help–this qualifies you for 24/7 medical aid, travel assistance, and emergency services. 
• Emergency repatriation and evacuation–this insurance policy covers emergency medical transportation and other costs if you’re injured while traveling. 

Remember, this is the coverage for theme park based vacations; Disney Cruise Line coverage and Adventures by Disney trip coverage has different terms.

Final Thoughts

Given the uncertainty of vacations nowadays, even a quick two-day getaway requires insurance, which is where Disney’s Travel Insurance comes in handy. With this insurance plan, you can get reimbursement for trip cancellation, trip delay, luggage delay, and even rental car damage.

If you’re looking for a completely new experience, check out our recent article, Disney Difference – Adventures by Disney .

For help pricing out Disney Travel Insurance or any other part of your Disney vacation, contact the Disney experts at The Vacationeer !

Get your free, no-obligation trip quote today… their services are provided at no additional cost to you!

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Booking & Reservations – Frequently Asked Questions

Do I need to buy travel insurance?

While not required, we strongly recommend that all our Guests purchase travel protection.

As part of the booking procedure, you’ll have the option to buy the Disney Cruise Line Vacation Protection Plan , which provides travel assistance and reimbursement for expenses such as trip cancellation, medical emergencies and more.

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Disney Cruise Line Insurance Information

When planning a Disney Cruise Line vacation, the only thing you will want to worry about is which suntan lotion to pack. Just as Disney Cruise Line has created a vacation that anticipates your every need, they have also planned for the unexpected by arranging the Disney Cruise Vacations Protection Plan.

When including insurance with your Disney Cruise package, it can be added to your cruise up until your balance due date or when full payment is made. (It can also be removed prior to paying your balance.) Once the final payment is made, insurance cannot be added or removed.

COST: 8% of the per person voyage fare, including the non-commissionable portion of the voyage fare.

Prices are per guest and are subject to change without notice.

It's designed to give them peace of mind by protecting vacation investment, health and belongings. The Plan is a combination of travel insurance benefits and emergency hotline services created and provided by World Access Service Corporation. Below is a brief summary of what is included.

• Trip Cancellation/Interruption Protection* for any non-refundable fees if your clients must cancel or interrupt their trip due to a covered medical condition or other specified cause. Clients who have to cancel for any reason not covered will receive 100% of the non-refundable cancellation fee toward a future Disney Cruise Vacations package.
• Travel Delay Protection* for reasonable, additional traveling expenses incurred up to $500 due to a covered travel delay.
• Emergency Medical/Dental Benefits* if your clients suffer a covered accidental injury or illness while on their trip. They will be reimbursed up to $10,000 for covered emergency medical and dental expenses.
• Emergency Medical Transportation to the nearest appropriate medical facility due to a covered illness or injury incurred by them for up to $30,000.
• Baggage Coverage* and Delay Protection* for a covered loss, theft, or damage to personal effects up to $3,000. For baggage delays of more than 24 hours, the Plan provides reimbursement up to $500 for the purchase of essential items.
• Emergency Assistance with a world-wide 24-hour hotline for help with travel-related problems such as lost travel documents and emergency cash transfers.

*Insurance coverages underwritten by Transamerica Casualty Insurance Company. Only expenses booked through Disney Cruise Vacations will be covered. Maximum coverage available is $10,000 per individual.

Prices are per guest and subject to change without notice. All prices are in U.S. dollars.

Pre-Existing Condition exclusions and other exclusions, limitations and restrictions apply. For a full description, detailing the limits, terms, conditions and exclusions of the Plan, and what to do in the event of an emergency, please refer to the Description of Coverage that is included with travel documents. If you have questions you may call World Access Service Corporation directly at 877-593-4988.

The Emergency Medical Transportation and Assistance services are provided by Access America, a division of World Access Service Corporation.

Please be advised this optional coverage may duplicate coverage already provided by your personal auto insurance policy, homeowner's insurance policy, personal liability insurance policy or other source of coverage. This insurance is not required in connection with the Insured's purchase of travel tickets.

If you find that this coverage does not suit your needs, or if you prefer making your own trip insurance arrangements, you may want to visit this website: www.insuremytrip.com . You can compare the different policies that are available for travelers.

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DCL Vacation Protection Plan Reviews

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• Start date Oct 29, 2023

DIS Veteran

• Oct 29, 2023

I’m considering purchasing DCL ’s vacation protection plan for about $400 because it offers the cancel for any reason and get 75% credit towards future cruise within a year. Any reviews about this? Any catches or drawbacks? I could see us using this option possibly if there ends up being a bad hurricane forecasted and we don’t want to sail on a different itinerary than we booked. Can you use the credit towards a future cruise you already have booked and deposited on? I could get a regular policy for $180ish from Allianz but it wouldn’t have cancel for any reason- just one of their covered reasons. We’re cruising in October during hurricane season.  

DisneyConvert

Terrific tourer.

I am interested in this as well . . . We purchase different versions of travel (and other kinds of) insurance regularly, and well, the real test of insurance is when one has a claim. Can't say enough about NJ Manufacturers for home and auto insurance, but they don't sell travel. Just had to cancel a trip to Israel, and sure 'nuff, there is/was an exclusion for "war" in there. Our fault of course, and we can get flight refund from United, but let's just say we got educated. Good luck.  

Wooden leg named Smith...

DisneyConvert said: I am interested in this as well . . . We purchase different versions of travel (and other kinds of) insurance regularly, and well, the real test of insurance is when one has a claim. Can't say enough about NJ Manufacturers for home and auto insurance, but they don't sell travel. Just had to cancel a trip to Israel, and sure 'nuff, there is/was an exclusion for "war" in there. Our fault of course, and we can get flight refund from United, but let's just say we got educated. Good luck. Click to expand...

I wanted my policy to cover flights as well since the airlines seem so unreliable. I am not a seasoned traveler, and my husband and I are finally starting to try new experiences. It has cancel for any reason as well, and it is expensive compared to numbers people seem to throw around. Additionally, it has health insurance that pays upfront without requiring me to submit for reimbursement. I agree that the true test will be if we have a claim, but I really hope it doesn't come to that. Since I am pretty new to this kind of travel, I am admittedly pretty nervous about it, and I am willing to go a little overboard to protect a very expensive trip.  

emmybee said: I wanted my policy to cover flights as well since the airlines seem so unreliable. I am not a seasoned traveler, and my husband and I are finally starting to try new experiences. It has cancel for any reason as well, and it is expensive compared to numbers people seem to throw around. Additionally, it has health insurance that pays upfront without requiring me to submit for reimbursement. I agree that the true test will be if we have a claim, but I really hope it doesn't come to that. Since I am pretty new to this kind of travel, I am admittedly pretty nervous about it, and I am willing to go a little overboard to protect a very expensive trip. Click to expand...

emmybee said: I wanted my policy to cover flights as well since the airlines seem so unreliable. Click to expand...

justme0729 said: I’m considering purchasing DCL’s vacation protection plan for about $400 because it offers the cancel for any reason Click to expand...

We've had a good experience with Allianz. It too was not an all encompassing cancellation policy but they still refunded us our $ when I submitted the claim. That may have been because it was just for a football game so small $. When we cruise DCL we take the insurance. I will admit that I didn't read the whole policy because I figured it would be similar to Allianz and we didn't expect to cancel. Well an issue arose with our son and I called the TA saying we totally understood we'd have to pay for the cruise because it was only 15 days away but it worked out. Not sure whether having the insurance was the saving grace or because the COVID restrictions had just ended but it worked. Even the TA wasn't sure.  

princesscinderella

I have an Allianz annual travel insurance policy, so not cancel for any reason, but I just got word that my policy was paying the $6400 balance of my hospital bill (I have high health insurance deductible) when I had a kidney stone attack at WDW. It was super easy to make the claim I just sent in all the information they requested and it took about 2 weeks for them to get back to me. We travel a lot so I like knowing that all of our trips are covered of something happens.  

ladyofthetramp

• Oct 30, 2023

We have purchased the DCL insurance a few times and our air from DCL. We have been covered and refunded-covid era. But do check with DCL-there is a point in time when you will incur penalties if you cancel-so not a 100% refund. We also purchase a small policy to cover hotels and excursions outside the Disney umbrella, as well as increased medical evacuation coverage etc. As another poster stated-it is an expensive trip and I may go a bit overboard in insuring I will be covered. In the end it depends on the trip, to where, what is going on in the world etc as to what type of insurance I will purchase, including Disney. It takes a bit of planning, but worth it if you don;t want to lose your money on an expensive trip that you can't take.  

We bought the DCL insurance and recently added standalone emergency medical/dental and evacuation coverage.  

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The Best Ways To Save When Booking Your Next Disney Cruise

F orget about the Pirates of the Caribbean boat ride, if you want to elevate your Disney vacation to the next level, you can take a real Caribbean cruise aboard one of the Disney Cruise Line ships. Guests who visit the Bahamas or the Caribbean can also access Disney's private island, Castaway Cay. That's just the tip of the iceberg in terms of potential global destinations, too. In fact, if icebergs are your thing, Disney's Port Adventures partners even have a port of call in Alaska, where you can board the Hubbard Glacier Explorer and wind through an iceberg field for a couple of hours.

Depending on where you set sail and for how long, a Disney cruise can be cheaper, in some cases, than a Disneyland or  Disney World trip. It might not feel that way when you're paying one big amount upfront (after the requisite deposit), but the price of a cruise is generally all-inclusive. It even includes complimentary room service, 24 hours a day. At a Disney theme park, by contrast, a week at a deluxe resort hotel, plus park tickets, meals, and other add-ons, can sometimes total up to a higher cost than a week-long cruise would. If it's your first time going on a Disney cruise , or you're just looking to save on your next one, it helps to arm yourself with some money-saving tips beforehand. With that in mind, here's how you can get the best deals when booking on the Disney Cruise Line.

Read more: Tips For Spending Less On Food When Traveling

Book Through A Travel Agent

One Disney cruise tip you'll often hear is to book through a travel agent. The Disney Cruise Line does have special offers, such as discounts for Florida or Canada residents, or other limited-time deals on select sailings. However, when you book directly with Disney, it can be disorienting trying to make sense of all the different itineraries available through its fleet of six ships. The Caribbean region alone has options from 4 to 10 nights for the Western, Eastern, or Southern Caribbean, with multiple states and territories of departure.

Authorized Disney Vacation Planners like The Vacationeer and Small World Vacations can employ their expertise to help you narrow down your choices and get the lowest possible cruise fare. They're just two examples of well-known agencies that have reached Diamond Earmarked status, the highest level for an authorized planner (followed by Platinum, Gold, Silver, and Bronze). Such agencies might be able to give you a fuller picture of the best deals, and they often come with the added benefit of an onboard credit.

A credit starting at $50 for a cruise of $1,000 or more might not seem like much, but fares aren't truly all-inclusive. Sure, the Cabanas buffet is free, but alcohol, gratuities, and certain other restaurants and activities (not to mention Wi-Fi service) all come at additional costs. The onboard credit helps cover these types of things. Currently, Costco members who book a Disney Cruise through Costco Travel can also get a $100 to $200 gift card.

Use A Cruise Search Engine

Travel agencies like the aforementioned Vacationeer and Small World Vacations advertise their services as free, so you shouldn't have to pay extra for your Disney cruise with them. For first-timers, it can be helpful to have someone walk you through the many decisions you'll need to make, like what kind of stateroom to book. However, if this isn't your first Disney cruise, you may prefer to eliminate the middleman and survey all the best booking options yourself. In that case, you can approach your cruise like you would if you were booking a flight or hotel through other third-party sites, like Priceline and Expedia.

Both those sites have their own dedicated Disney Cruise Line page where you can input a destination and dates and find deals, the same as you would for a non-Disney search. These sites are a good option if you already have some idea about where and when you want to go. Another specialty site, which works the same way and frequently comes recommended for Disney cruises, is Undercover Tourist . It offers an onboard credit, and its other big selling point is that it will apply its own discount to your fare. That's in addition to any built-in discounts Disney may be offering, like its reduced military rates.

Book Early And Watch For Last-Minute Stateroom Deals

While "book early" works as a general piece of travel advice, it's an especially good rule to follow with Disney resorts and cruises. This is because of the way the surge pricing system works. Like Royal Caribbean and other cruise lines, Disney tends to offer its best prices when an itinerary first becomes available. As the ship fills up with passengers, prices on the remaining cabins will go up to meet demand.

One way to get around this is by keeping an eye on Disney Cruise Line news via the official site . If you hear about a new itinerary, you can try to book it as soon as it goes on sale. Anyone who's already been on at least one Disney cruise should also be automatically enrolled as a Silver Member in Disney's cruise loyalty program, Castaway Club. Being a member allows you to book new cruises a day or more before the general public, depending on your membership level.

The flip side of booking early is deals that come along on last-minute staterooms with restricted fares. These non-refundable deals usually open up a few weeks or months before a cruise departs, and they require you to pay in full beforehand. Offsetting the price savings is the fact that your room will be assigned at the last minute based on availability. However, they'll guarantee you the room category you reserve or better, so you might even luck out and get an upgrade.

Book A Shorter, Off-Peak Season Cruise In An Inside Cabin

Disney has some European cruises, for instance, that sail for up to 11 or 12 days. However, these can cost upwards of $11,000 for two people. Again, a one-week Disney cruise might be cheaper than a one-week Disneyland or Disney World stay, but a 3- or 4-night cruise could give you an equally enjoyable experience without breaking the bank.

Since Disney cruises are family-friendly, they tend to be more in demand (and thereby, more expensive) when school is out. The same rules about steering clear of holiday breaks apply as much to the Disney Cruise Line as Disney theme parks. If you're looking to save, the best times of year  are January, February, May, October, and before or after Thanksgiving (but before Christmas and New Years). Just keep in mind that weather is also a factor in determining the off-peak cruise season. For that reason, you might want to avoid a cruise somewhere like Bermuda or the Bahamas during the month of September, when it's the height of hurricane season.

Consider, also, what type of stateroom you book. Disney is not so different from other cruise lines when it comes to inside cabins being cheaper. With an inside cabin, you won't have a window, but on two ships — the Disney Dream and Disney Fantasy — you will have a "magical porthole." It's a flat-screen monitor with a live camera feed of the outside of the ship. Sometimes, Disney characters join the feed.

BYO Alcohol And Book A Second Cruise While Onboard

Once you know which Disney cruise is right for you , there are other things you can do to save money onboard. This includes being frugal about add-ons and bringing your own alcohol. That's right: passengers are allowed to carry on up to six 12-ounce beers or two 750-milliliter wine or champagne bottles (unopened). If you're on one of Disney's round-trip cruises from Australia or New Zealand, you can bring that much onboard for each port of call.

This could help reduce your bar tab if you plan on drinking. The only catch is that you can't bring your own alcohol into public lounges, and there's a $26 corking fee if you bring a bottle to dinner. With a standard verandah-type stateroom, though, you can always just enjoy sipping your beverage on your balcony.

If your Disney cruise turns out to be an experience worth repeating, one final thing you can do to save on a future trip is reserve your next cruise while you're still onboard the current one. The Disney Cruise Line Navigator app gives access to a special onboard booking offer where you can make an open-ended "placeholder reservation" for another cruise within the next two years. You can choose a sail date later, and in the meantime, it will give you a 10% discount on the normal rate. Though you have to pay a $250 deposit, it's refundable if you decide to cancel before you've locked down a date.

Read the original article on Explore .

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Plan with Confidence

The Travel Protection Plan, offered by Viking and administered by Trip Mate, a Generali Global Assistance & Insurance Services brand, provides additional peace of mind by covering many unforeseen circumstances that may arise before or during your trip.

Trip Interruption or Cancellation

If your trip is interrupted or cancelled due to a covered emergency, weather issue, or other unforeseeable event, you may be reimbursed.

Accident or Sickness & Medical Repatriation

Emergency medical or dental expenses during your trip may be covered, including costs of circumstances that may arise from any illness, including COVID-19. Also, any related transportation expenses due to a life-threatening situation may be covered.

Baggage & Personal Items

Baggage or personal items—such as passports or visas—that are lost, damaged or stolen during your trip are covered up to the plan limits. Additionally, you may be reimbursed for incurred expenses should your baggage be delayed for 24 hours or more during your trip.

Cancel For Any Reason

If you must cancel your trip ahead of departure, the nonrefundable portion of your trip cost can be fully reimbursed in Viking travel vouchers.

Protect Your Investment Now

To purchase this plan, obtain a quote, or for any other questions, please call Viking at 1-877-668-4546.

The Travel Protection Plan Details

For your convenience, Viking offers a Travel Protection Plan administered by Trip Mate, a Generali Global Assistance & Insurance Services brand. This may help protect your travel investment, your belongings and most importantly, you, from many unforeseen circumstances that may arise before or during your trip, including costs of circumstances that may arise from any illness (including COVID-19*). The Travel Protection Plan includes a non-insurance Cancel For Any Reason Waiver (provided by Viking), Travel Insurance Benefits (underwritten by Generali- U.S. Branch) and Assistance Services (provided by Generali Global Assistance). Payments are for the full Travel Protection Plan, which is made up of the Part A Non-Insurance Cancel For Any Reason Waiver, and Part B Insurance Benefits, and Assistance Services (a separate fee for Assistance Services is included in the Plan Payment). Individuals looking to obtain additional information regarding the features of each travel plan component, please contact Trip Mate at [email protected] .  Insurance benefits in the Plan are subject to limitations and exclusions, including an exclusion for pre-existing conditions. Plan benefits, limits and provisions vary by state/jurisdiction and not all coverage is available in all states. To review full plan details online and Important Disclosures, go to:  www.tripmate.com/wpGR625V .

*COVID-19 is treated the same as any other sickness. The plan requires a sickness to be “examined and treated by a physician”. We consider all PCR or laboratory tests to have been administered by a physician.

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