disney cruise trip insurance

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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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Meet the Panelist: JoVonn, Georgia

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Optimal Travel Insurance for Disney Cruise: Your Key to Stress-Free Sailing

Planning a Disney cruise is exciting, but have you thought about protecting your trip with the best travel insurance? Picture this: you’re all set for your magical voyage, but unexpected circumstances could disrupt your plans. What if your flight is delayed, or you need medical assistance during the trip? That’s where the right travel insurance can save the day.

In this article, you’ll discover the importance of choosing the best travel insurance for your Disney cruise. We’ll guide you through key factors to consider, ensuring you have peace of mind throughout your journey. Stay tuned to learn how to safeguard your vacation and make the most of your unforgettable Disney cruise experience.

Key Takeaways

• Travel insurance for a Disney cruise is essential to safeguard your trip against unforeseen circumstances like trip cancellations, medical emergencies, and lost luggage.
• Key components to ensure in your travel insurance coverage are trip interruption protection, emergency evacuation services, and coverage for adventure activities.
• When selecting the best travel insurance for a Disney cruise, prioritize options that include trip cancellation protection, medical coverage, and lost luggage assistance.
• Compare prices and policies of different insurance providers to make an informed decision that aligns with your budget and coverage needs.
• Consider reputable insurance providers like Provider A for comprehensive coverage, Provider B for budget-friendly plans, and Provider C for flexible policy add-ons when choosing travel insurance for your Disney cruise.
• Customer feedback through reviews and ratings is valuable in guiding your decision-making process when selecting the best travel insurance for your Disney cruise.

Understanding Travel Insurance for Cruises

When it comes to embarking on a Disney cruise, understanding the significance of travel insurance is crucial. Here’s why it’s essential and what aspects should be covered to ensure smooth sailing on your magical voyage:

Why It’s Essential

Travel insurance for your Disney cruise provides a safety net. It’s like having a reliable friend by your side, ready to assist you in times of need. Here’s why it’s imperative:

• Trip Cancellation Protection: Imagine you or a family member falls ill before the cruise. With travel insurance, you can potentially recoup your prepaid, non-refundable expenses.
• Medical Coverage: While Disney cruises are filled with fun activities, accidents can still happen. Travel insurance can cover unforeseen medical expenses during your trip.
• Lost Luggage Assistance: Misplaced luggage is the last thing you would want during your Disney adventure. Travel insurance can help replace essential items in case your bags go missing.

What Should Be Covered

When selecting travel insurance for your Disney cruise, ensure it includes the following key components:

• Trip Interruption Coverage: Sometimes, unexpected events can cut your trip short. Make sure your insurance covers trip interruptions, providing peace of mind in unforeseen circumstances.
• Emergency Evacuation Services: In rare cases of serious emergencies, having coverage for emergency medical evacuation can be a lifesaver. This ensures you can receive proper medical care promptly.
• Adventure Activities Protection: Disney cruises offer various exciting activities. Ensure your insurance covers any adventurous pursuits you plan on experiencing during your voyage.

By choosing the right travel insurance for your Disney cruise that covers these essential aspects, you can relax and enjoy your vacation with added security and peace of mind.

How to Choose the Best Travel Insurance for Disney Cruise

Coverage options to consider.

When selecting the best travel insurance for your Disney cruise, it’s vital to assess the coverage options available to ensure comprehensive protection during your voyage. Here are key coverage options to consider:

• Trip Cancellation Protection: This coverage safeguards your investment by reimbursing you for prepaid and non-refundable expenses if you need to cancel your trip for a covered reason.
• Medical Coverage: Ensure the policy includes adequate medical coverage to cater to unexpected illnesses or injuries during your Disney cruise.
• Lost Luggage Assistance: Look for coverage that provides reimbursement for lost, damaged, or stolen baggage to minimize disruptions to your vacation.

By prioritizing these coverage options, you can have peace of mind knowing that you’re well-protected throughout your Disney cruise adventure.

Comparing Prices and Policies

Before finalizing your travel insurance choice, it’s essential to compare prices and policies to make an informed decision. Here’s how you can effectively compare different options:

• Evaluate Coverage Limits: Compare the coverage limits of various policies to determine which one offers the most comprehensive protection for your needs.
• Assess Premium Costs: While comparing prices, consider the premium costs against the coverage provided to ensure you’re getting value for your investment.
• Review Policy Exclusions: Pay attention to the exclusions listed in each policy to understand what is not covered, helping you avoid unexpected surprises.

By carefully evaluating prices and policies, you can select the best travel insurance for your Disney cruise that aligns with your budget and provides extensive coverage for a worry-free and enjoyable trip.

Top Travel Insurance Providers for Disney Cruises

When choosing travel insurance for your Disney cruise, it’s crucial to select from the top providers that offer comprehensive coverage tailored to your needs. Here are some reputable insurance companies known for their excellent services:

Provider A: Comprehensive Coverage

For travelers seeking extensive coverage for their Disney cruise, Provider A stands out as a top choice. They offer a range of benefits that include trip cancellation protection, medical coverage, and assistance for lost luggage. With Provider A, you can have peace of mind knowing that you’re well protected throughout your voyage. Assess the policy details carefully to ensure it aligns with your specific requirements for a worry-free cruise experience.

Provider B: Budget-Friendly Plans

If you’re looking for budget-friendly travel insurance options without compromising on essential coverage, consider Provider B. They specialize in offering cost-effective plans that still provide adequate protection for Disney cruises. By opting for Provider B, you can enjoy your vacation without breaking the bank while ensuring that you’re covered in case of any unforeseen circumstances. Compare their plans to find one that fits your budget and needs perfectly.

Provider C: Flexible Policy Add-ons

Provider C stands out for its flexible policy add-ons that allow you to customize your travel insurance for a Disney cruise. Whether you need additional coverage for specific activities or want to enhance your existing plan with extra benefits, Provider C has you covered. Their customizable options give you the freedom to tailor your policy to suit your preferences, ensuring that you have comprehensive protection that meets all your needs during your Disney cruise.

By exploring the offerings of these top travel insurance providers for Disney cruises, you can make an informed decision that guarantees a smooth and secure travel experience. Remember to assess your coverage requirements, compare policies, and select a provider that aligns with your preferences for a worry-free vacation aboard a Disney cruise.

Examining Customer Reviews and Ratings

Importance of customer feedback.

When choosing the best travel insurance for your Disney cruise, the importance of customer feedback cannot be overstated. By looking at reviews and ratings, you gain valuable insights into the real experiences of other travelers. It’s like having a trusted friend sharing their honest opinions with you, guiding you in making an informed decision.

Analyzing Reviews for the Top Providers

When analyzing reviews for the top insurance providers, make sure to pay attention to specific details that matter to you. Look for feedback on customer service, ease of claiming process, coverage satisfaction, and any unique benefits mentioned by reviewers. It’s essential to focus on reviews that highlight aspects that are crucial for your peace of mind during your Disney cruise.

How to Purchase Travel Insurance for Your Disney Cruise

When it comes to securing travel insurance for your Disney cruise, you have a few options. Here’s how you can make an informed decision:

Booking Directly Through Disney

If you choose to book your Disney cruise directly through Disney Cruise Line, you’ll have the opportunity to purchase travel insurance as part of your booking process. Disney offers its own travel insurance plans that you can add to your reservation. These plans typically cover trip cancellation, trip interruption, travel delays, medical emergencies, and baggage loss or delay. By opting for insurance through Disney, you can have peace of mind knowing that your coverage aligns seamlessly with your cruise booking.

Using Third-Party Insurance Companies

Alternatively, you can explore insurance options from third-party providers. Many reputable insurance companies offer specific cruise insurance that may provide comparable or even more extensive coverage than Disney’s offerings. When considering third-party insurance, be sure to research different providers and compare their policy details. Look for coverage that includes trip cancellation, emergency medical assistance, evacuation coverage, and coverage for pre-existing conditions if applicable. Obtaining travel insurance from a third-party company allows you to tailor your coverage to your specific needs and may offer more competitive pricing options.

By weighing the benefits of purchasing insurance directly through Disney or opting for a third-party provider, you can choose the option that best suits your preferences and provides the coverage you need for a worry-free Disney cruise experience.

Navigating Claims and Assistance During Your Cruise

Steps to file a claim.

When it comes to filing a claim during your Disney cruise, it’s crucial to follow the correct steps to ensure a smooth process. Here’s a simple guide to help you through:

• Report the Incident: If an unforeseen event occurs, such as lost luggage or a medical emergency, report it to the appropriate personnel on the cruise ship immediately.
• Document Everything: Keep detailed records of the incident, including photos, receipts, and any other relevant documentation that may support your claim.
• Contact Your Insurer: Reach out to your insurance provider as soon as possible to inform them of the situation and initiate the claims process. They will guide you on the necessary steps to take.
• Fill Out Claim Forms: Your insurer will provide you with claim forms to complete. Ensure you fill them out accurately and provide all the required information to expedite the process.
• Submit Claim Documents: Once you’ve filled out the necessary forms, submit them along with any supporting documents to your insurer for review.

By following these steps systematically, you can navigate the claims process efficiently and maximize your chances of a successful claim settlement.

Getting Emergency Assistance at Sea

In the event of an emergency while you’re at sea during your Disney cruise, knowing how to seek assistance is vital. Here’s what you should do:

• Alert the Ship’s Crew: If you or a fellow traveler requires immediate assistance, notify the ship’s crew or staff member closest to you. They are trained to handle emergencies and can provide immediate aid.
• Access Medical Services: Disney cruise ships are equipped with medical facilities and trained medical staff. In case of a medical emergency, seek help from the onboard medical team without delay.
• Contact your Insurer: Inform your insurance provider about the emergency situation. They can advise you on the best course of action and may assist in coordinating medical evacuation if necessary.
• Follow Instructions: Listen carefully to the crew’s instructions and cooperate with any requests they make. Your safety and well-being are their top priorities.

Being prepared for emergencies and knowing how to access assistance can give you peace of mind during your Disney cruise. Remember, safety always comes first, and having the right travel insurance can provide the necessary support in unexpected situations.

You’ve learned the importance of selecting the best travel insurance for your Disney cruise to safeguard against unexpected events. From trip cancellation protection to medical coverage and lost luggage assistance, having the right insurance is crucial. Remember to consider customer feedback when making your decision. Whether you opt for insurance through Disney Cruise Line or a third-party provider, tailor the coverage to suit your needs. In case of emergencies, knowing how to file a claim during your cruise is essential. Stay proactive by promptly reporting incidents, documenting thoroughly, contacting your insurer, filling out claim forms accurately, and submitting required documents. By being prepared and having the appropriate travel insurance, you can enjoy a worry-free Disney cruise experience.

Frequently Asked Questions

What are the essential coverage options in travel insurance for a disney cruise.

Travel insurance for a Disney cruise typically includes trip cancellation protection, medical coverage, and lost luggage assistance.

Should I review customer feedback before choosing a travel insurance plan?

Yes, reviewing customer feedback can provide valuable insights to help you make an informed decision about the best travel insurance plan for your Disney cruise.

How can I file a claim during a Disney cruise?

To file a claim during a Disney cruise, report incidents promptly, document thoroughly, contact the insurer, fill out claim forms accurately, and submit necessary documents.

What should I do in case of an emergency at sea during a Disney cruise?

In case of an emergency at sea during a Disney cruise, alert the ship’s crew, access onboard medical services, contact the insurer, and follow crew instructions for safety.

Hi, I'm Richard, a passionate traveler and cruise enthusiast. With over a decade of experience exploring the world's oceans, I've developed a deep love for all things related to cruising. Whether it's luxury liners or intimate river cruises, I enjoy sharing my insights and tips to help others plan their perfect getaway. When I'm not sailing the seas, you can find me writing about my adventures or planning my next voyage

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Is Disney Travel Insurance Worth the Cost?

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. 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.

on Chase's website

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• Disney Cruise Line

Disney Cruise Line Updates Concierge Level Vacation Protection Plan

by Sarah Phillips · May 17, 2021

More big news coming from Disney Cruise Line this morning! Starting today (May 17, 2021) for guests booked in a Concierge Suite or Concierge Stateroom, when Disney Cruise Line’s Vacation Protection Plan is added to their reservation it must be paid in full at that time. Currently this change only affects Concierge Suite or Concierge Stateroom guests.

When booking a Concierge Suite or Concierge Stateroom, Clients wishing to add Disney Cruise Line’s Vacation Protection Plan to the reservation must add and pay for the Vacation Protection Plan at the time the deposit is paid on the reservation . Deposits for Concierge Suites and Concierge Staterooms are non-refundable.  Disney Cruise Line’s Vacation Protection Plan has to be paid prior to a non-refundable charge being applied to the reservation.

Similarly to Restricted Air, Concierge Suites and Concierge Staterooms are subject to cancellation fees as soon as the deposit payment is made; therefore, Disney Cruise Line’s Vacation Protection Plan cannot be added once the deposit has been paid.  Should guests elect to decline Disney Cruise Line’s Vacation Protection Plan, they will be unable to add it later, even if they downgrade to a non-Concierge stateroom.

It’s important to add that for all other guests, when the Vacation Protection Plan is added to a non-Concierge Suite or Stateroom reservation it can be paid for (and subsequently activated) at a later date. It’s good to remember too that as of Feb. 3, 2021, Disney Cruise Line has begun to enforce the existing cancellation policy regarding the Vacation Protection Plan . The policy establishes that once the Vacation Protection Plan has been paid in full, it will no longer be refundable, with the exception of a “10-day look-back period” post-purchase to give insured guests appropriate time to review the full policy. Please note this enforcement does not apply to bookings made before Feb. 3, 2021, with the exception of situations where a non-refundable charge (i.e. air) is associated with the reservation.

Disney Cruise Line Concierge Vacation Protection Plan Update Credit: Disney

Do you want more help planning your next Disney vacation? As an Authorized Disney Vacation Planner, I can help you navigate the ever changing climate of Disney travel. The best part is that my services are complimentary to my clients! Get in touch by filling out the form below, calling toll-free at 1-800-454-4501, via email at [email protected] , or following me on Facebook!

Tags: Concierge DCL Disney Cruise Line Vacation Protection Plan

Sarah Phillips

Sarah is a wife, a mother of two awesome little boys, and a Disney fanatic. She has turned her passion into a dream career sharing Disney advice with the readers at MickeyBlog and helping families plan their perfect Disney Vacations with MickeyTravels. Reach out for a FREE, no obligation quote at 1-800-454-4501 or email at [email protected]!

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• Vacation Planning

Travel Insurance

• Trip Cancellation or Interruption  – Helps protect your travel investment by reimbursing you for pre-paid, non-refundable dues and other out-of-pocket expenses if you must cancel or interrupt your trip due to a covered reason.
• Emergency Medical Expenses  – Ensures you receive adequate medical care when traveling and can cover the cost of transporting you to the nearest medical facility in an emergency.
• Trip Delay – Provides coverage if you are delayed for 5 hours or more while en route to or from your destination.
• Primary Coverage – Provides easy claims handling and less time and hassle to receive reimbursement for eligible losses with no deductibles. Funds may be recovered from your medical or other collectible insurance plans.
• Baggage & Baggage Delay – Safeguards personal articles and expenses if bags are lost, stolen, damaged or delayed for 12 hours or more while traveling.
• Security Deposit Protection – Provides coverage for accidental and unintentional damage to your unit and its contents

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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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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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• Disney Cruise Line

Trip insurance

By CruisinMama33 , January 3, 2017 in Disney Cruise Line

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CruisinMama33

Does anyone have experience with Disney's travel protection plan or is there another insurance provider that you recommend? Thank you.

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Share on other sites, kamrynkylene.

Disney trip insurance in my opinion is way over priced! We went through Allianz and got 4 people covered for the price of one through Disney. Also includes medical coverage outside the country.

Sent from my iPhone using Forums

We always use insuremytrip to get coverage. You'll often find plans with more coverage, for a lower price that way.

Most travel insurance sold through cruise lines (any cruise line) is overpriced, and very limited in what they cover.

moki'smommy

The ONLY good thing about DCL's insurance is that if the insurance company rejects your claim for any reason, a portion of what you lost will be applied to a future cruise (and there is fine print on that.) Another big negative is that only things booked thru DCL are covered--book air on your own and it isn't insured.

There are MANY good, private insurance companies that will cover pre-existing conditions if purchased within 14 or 21 days of booking your cruise, provide a complimentary child's policy with each parent or grandparent policy purchased, and give a whole lot more coverage than you get thru DCL. In my experience, many companies offer several levels of coverage. The cheapest is a "bare bones" that provides relatively little. One tier up typically costs only a little more and may double your coverage.

A good place to compare companies and policies is insuremytrip.com.

To decide how much you need to buy, look at the cost of non-refundable stuff. Example, if your airline would allow you to change your tickets for $50, that's the amount you need to insure for air. If you book a hotel for the night before the cruise but can cancel that up to 6pm at no charge, don't count that (it is refundable or won't be billed till check in). You purchase it in $500 increments and price is based on the amount purchased, age of cruiser, and where you are going. Consider the cost of the first 2 people in the room. DO NOT take the cost of 4 people and divide by 4. If one of the first 2 had to cancel, you'd be under-insured if you did that.

Reality--we've made 2 insurance claims ever. One was a visit to the ship's doctor and one was a weather event when the ship was delayed by 24 hours. We've spent more than that on insurance over the years. BUT my medical insurance will not cover us outside the US. We've been fortunate in not having anything major come up, but I'm in my 60s and my daughter has a progressive disability. I'm not going without medical coverage.

RCI Cruisers 004

We use insuremytrip.com , and pick the coverage that works for us. It's about half the price of what the cruise lines offer.

Flatbush Flyer

We always use insuremytrip to get coverage. You'll often find plans with more coverage, for a lower price that way.   Most travel insurance sold through cruise lines (any cruise line) is overpriced, and very limited in what they cover.

Insuremytrip is a brokerage and a good resource to help identify which insurance company's offerings will work best for you. However, do know that insuremytrip's version of a particular policy may not include all the options/allowances that you will get by paying the same price for the same named policy directly with the particular insurer (via web or phone).

Insuremytrip is a brokerage and a good resource to help identify which insurance company's offerings will work best for you. However, do know that insuremytrip's version of a particular policy may not include all the options/allowances that you will get by paying the same price for the same named policy directly with the particular insurer (via web or phone).     Sent from my iPhone using Forums

Excellent point. But it does make a good place to start. Another suggestion--your TA may sell a particular insurance company. It is worth asking about. I've found that the prices are identical for the policy I choose, whether thru the company, insuremytrip, or my TA.

Steelers0854

I found a good policy from Nationwide that covers cruise specific items such as changes in itineraries, etc. it also has high coverage limits for evacuation costs, some policies only go to $25,000 which if you have to be airlifted and then flown home probably won't cover it all. It's best to look at each individual coverage and make sure it meets what you feel you may need.

ETA: it's also important your understand if your insurance is primary or secondary. Equally as important is that you have the means to pay for treatment up front. Some foreign hospitals will require some, if not all, the costs to be paid for before treatment. Always a good idea to travel with a credit card that you can put these costs on until the insurance reimburses you for them.

Another thing to think about--you may have some "hidden" travel insurance. For instance, we have a credit card that includes travel insurance if we purchase the trip with the card. However, it isn't very good coverage and the claim must be filed within 14 days of the incident (in some cases, you could still be traveling then!)

That said, it is worth to remember that it might be there for you if needed or if the coverage you purchase has a deductible.

Another thing to think about--you may have some "hidden" travel insurance. For instance' date=' we have a credit card that includes travel insurance if we purchase the trip with the card. However, it isn't very good coverage and the claim must be filed within 14 days of the incident (in some cases, you could still be traveling then!)       That said, it is worth to remember that it might be there for you if needed or if the coverage you purchase has a deductible.[/quote']     United Airlines' Explorer Visa (and other similar Chase cards) actually have some (not all) decent travel benefits that, at least augment any other insurance you may have. However, and while these credit cards don't offer supplemental health coverage, they still do not provide waivers for travel related claims resulting from preexisting medical conditions.     Sent from my iPhone using Forums

United Airlines' Explorer Visa (and other similar Chase cards) actually have some (not all) decent travel benefits that, at least augment any other insurance you may have. However, and while these credit cards don't offer supplemental health coverage, they still do not provide waivers for travel related claims resulting from preexisting medical conditions.     Sent from my iPhone using Forums

The details you provided were exactly my point that I consider this an augmentation to any other insurance I purchase, but not a replacement. Still, it doesn't hurt to know that it is there. I probably could have used it when our cruise was delayed by 24 hours, but by the time I looked at the details, I was beyond the 14 day filing deadline (7 days of it was during the cruise, and I certainly wasn't thinking insurance at that time).

firegal2539

TravelGuard is my go to because it covers out of the country and my flights. I broke my hip and needed surgery, 5 cruises were cancelled, two of which were paid and the other three with a$100 balance. It covered all 5.

Sent from my iPhone using Tapatalk

TravelGuard is my go to because it covers out of the country and my flights. I broke my hip and needed surgery, 5 cruises were cancelled, two of which were paid and the other three with a$100 balance. It covered all 5.     Sent from my iPhone using Tapatalk

Agree. We book travelguard for every trip and when my DH and I book the 9 yr old is free.

CruizinTigers

I concur with everything already mentioned here. Insurance through DCL is highly over priced. However, one positive plug I would make is based on one experience when we had to cancel a cruise last minute due to Hurricane Sandy. Because we had the insurance through DCL for that one, DCL offered us the full cost of the trip to put towards a future cruise. Now I'm not sure if they still do this, or if it's even worth the much greater cost. Instead, we insure all of our trips now a days with TravelGuard.

One last note... if you have a membership with Costco, you might want to check their travel offerings. We booked our current DCL cruise with them, and they offer a link to purchase a TravelGuard policy at a reduced rate (and better coverage). Perhaps BJs or Same Club offer something similar as well. TravelGuard is already a good value, but if you can get it discounted via Costco or another wholesale chain...

But Costco's trio insurance doesn't cover the flight so if you are flying in for the cruise go with travel guard.

But Costco's trio insurance doesn't cover the flight so if you are flying in for the cruise go with travel guard.     Sent from my iPhone using Forums

Again, this depends on your motivation in purchasing the insurance. If your airline will allow you to reschedule your flight for a small fee or no fee, you may opt to not insure the air travel. On the other hand, the cost difference may be minimal to add coverage for the air if you are using private insurance. You need to look at the options for each trip individually.

Obviously, the insurance company would like you to pay for coverage from the minute you leave your home until you return...but that may not be necessary. You will only benefit from insuring those items that cannot be refunded if canceled or altered. Example--if you insure a hotel room that will be refunded when you call them before 6pm and you experience a flight delay so that you know at 4pm you can't get to the hotel, the insurance will likely not cover that hotel stay--you are expected to minimize the loss by making that phone call.

• 2 weeks later...

luvincruising

Quotewright and Squaremouth are two other sites to use for comparing policies. Squaremouth has better search filters [than Insuremytrip] to find the policy that fits your needs. IMHO.

Wheeling TravelingMom

We have used insuremytrip.com to buy the highest level Nationwide Cruise Plan for our last couple of cruises. We also have an annual MedJet membership. Our primary heath insurance will cover us abroad in many places but our secondary will not. My son has significant special needs and I feel we are well covered with these arrangements. As an additional bonus I do book our travel through a credit card that offers insurance. Every family situation is different and a broker like insuremytrip can help you figure out what works best for you.

• 1 month later...

Do you recommend purchasing insurance when the booking is made many months before PIF date (ie: opening day)? Since the cruise is fully refundable prior to that, the policy would effectively insure nothing if cancelled before then, right?

Do you recommend purchasing insurance when the booking is made many months before PIF date (ie: opening day)? Since the cruise is fully refundable prior to that, the policy would effectively insure nothing if cancelled before then, right?   LAX

True, but there are sometimes added benefits to purchasing insurance when you book the cruise (if you insure privately.) Some will give coverage for pre-existing conditions IF you purchase coverage within 14 or 21 days of the booking. Most insurance policies will allow you to move the policy once; more than that and you lose the cost of the insurance. If you've read this thread, you know about private vs thru DCL.

Again' date=' this depends on your motivation in purchasing the insurance. If your airline will allow you to reschedule your flight for a small fee or no fee, you may opt to not insure the air travel. On the other hand, the cost difference may be minimal to add coverage for the air if you are using private insurance. You need to look at the options for each trip individually.   Obviously, the insurance company would like you to pay for coverage from the minute you leave your home until you return...but that may not be necessary. [b']You will only benefit from insuring those items that cannot be refunded if canceled or altered. Example--if you insure a hotel room that will be refunded when you call them before 6pm and you experience a flight delay so that you know at 4pm you can't get to the hotel, the insurance will likely not cover that hotel stay--you are expected to minimize the loss by making that phone call[/b].

One more point about insuring hotel costs: do so ONLY if the hotel is prepaid and non-refundable. If you make a cancellable hotel reservation with no prepayment, but miss the cancellation deadline to avoid paying a penalty - your trip insurance probably won't cover that charge because it wasn't prepaid.

The Trip Insurance Store ( www.tripinsurancestore.com ) is my insurance broker of choice.

Has anyone ever found insurance that would cover prepaid excursions? For example, we will be booking on our own for our family and pre paying in two ports. If for some reason, we didn't dock or the weather caused a cancellation, would that be covered by trip insurance?

It has been my experience that a reputable excursion operator will not bill or refund your payment if the ship cannot dock/tender or if they cannot offer the excursion due to weather.

For instance, I booked a couple of times thru Captain Marvin's in Grand Cayman. Their policy is that you must give them a credit card to reserve your booking but they do not bill the card until the excursion actually takes place. We had two occasions when we couldn't tender due to rough seas--no charge ever appeared on my card.

To answer your question, I'm not aware of any trip insurance that covers canceled excursions as the tour operators usually refund your pre-payment in that circumstance.

Yes. Check the Nationwide Cruise policies. We get the luxury policy as it has higher limits and isn't much more. I actually did a review on a claim we filed just a few months back.

http://boards.cruisecritic.com/showthread.php?t=2459043

I would think most trip insurance policies would cover a prepaid excursion if it is non-refundable - as long as you buy enough insurance coverage to include the excursion costs. As moki'smommy said - an excursion provider will generally refund your payment if your ship can't get to the port. However, if you can't go on the excursion because you are sick, you probably won't get a refund from the vendor.

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Cruise travel insurance: What it covers and why you need it

What does cruise travel insurance cover? And does it pay to buy cruise travel insurance?

The answer is not always clear-cut, as we'll discuss in this guide. But consider this: It's not always smooth seas when it comes to cruising. Even the best-laid plans for a cruise vacation can sometimes be thrown off course by an unexpected event.

You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu. Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure. Or your ship is late arriving in port at the end of a voyage, and you miss your flight home.

In all of these situations, you might benefit from having cruise travel insurance — keyword "might."

Cruise insurance policies vary widely, and not every policy covers every type of mishap. That's why it always pays to read the fine print in a travel insurance policy before you purchase it to know what you're getting in advance.

It's also why you should read this introduction to everything you need to know about cruise insurance. It has many details, but the next time something unexpected happens on your cruise vacation, you'll be glad to be educated and covered by a comprehensive travel insurance policy.

What does travel insurance cover when you cruise?

The typical cruise insurance policy covers a wide range of circumstances that can go wrong in conjunction with a vacation at sea — both before and during the sailing.

For starters, policies often will reimburse you for the cost of canceling a cruise due to a last-minute crisis. They will also often cover costs related to an interruption of a cruise (maybe your ship breaks down, requiring you to fly home mid-voyage ). These two elements are known as trip-cancellation and trip-interruption insurance, and they are bundled into a typical travel insurance policy.

Some policies will also cover out-of-pocket costs related to a flight delay or cancellation that results in you missing your cruise departure (for instance, the cost of catching up to the ship at its next port). Expenses related to baggage delays and loss are often covered as well.

But perhaps most importantly, many travel insurance policies will cover medical expenses you incur while on a cruise. Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis.

Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other reasons.

Those percentages include illness and accidents that happen to cruisers just before a trip, making travel impossible. But, in many cases, such claims result from illness and injuries that occur during voyages.

"People often take risks during vacation that they might not take back home, whether riding a jet ski, zipping around on a motorized scooter in a city they don't know well or hiking unfamiliar terrain," James Page, senior vice president and chief administration officer of AIG Travel, told TPG .

Some policies also cover the financial default of a travel provider. In such cases, if your cruise line goes out of business before you sail, you could get all — or at least some — of your money back.

Cruise travel insurance policies don't cover everything. For instance, standard travel insurers generally will not reimburse you for the cost of a cruise you cancel due to worries about an outbreak of an illness. That's true even if a U.S. government agency such as the U.S. Centers for Disease Control and Prevention issues a recommendation that you don't cruise due to an illness outbreak, as it did during the COVID-19 pandemic .

If you want the ultimate flexibility to cancel for such a reason or any other, you'll want to look into a more expensive cancel for any reason travel insurance upgrade.

Related: Avoiding outbreaks isn't covered by most travel insurance policies

Where to find a cruise travel insurance policy

You can buy a travel insurance policy directly from your cruise line when booking your trip or through your travel agent (if you're using one, which often is a good idea when booking a cruise). You also can go directly to a third-party travel insurance provider or a travel-insurance aggregator site, such as InsureMyTrip or TravelInsurance . Your credit card might even give you some travel protections.

Here's what you need to know about each type of cruise travel insurance.

Third-party insurance companies

Third-party insurance companies that specialize in writing travel insurance include AIG Travel, Allianz Travel Insurance, Travelex Insurance and American Express Travel Insurance.

One reason to use a travel agent or a travel aggregator: They can help you find a policy that offers added coverage specific to cruising.

Related: The Points Guy's guide to the best travel insurance companies

"Many plans now offer benefits that will specifically appeal to cruise travelers, such as missed connection, missed port-of-call and cruise disablement coverage," Stan Sandberg, cofounder of TravelInsurance.com, said.

Missed connection coverage reimburses cruisers for a set dollar amount if they need to rebook travel to catch up with their cruise at the next port. Missed port-of-call coverage pays a benefit if the cruise ship misses a scheduled port of call due to weather, a natural disaster or a mechanical breakdown.

Cruise disablement coverage pays a benefit if the traveler is confined on a ship for more than five hours without power, food, water or restrooms.

As noted, policies vary widely. It's a good idea to compare plans and make sure the one you buy has the elements that are most important to you. One size doesn't fit all.

Credit cards with travel benefits

Some premium credit cards offer valuable travel protections comparable to what you might get from a standard travel insurance plan. For example, the travel insurance provided when you pay for travel with select cards can reimburse you for expenses if your baggage is damaged, you're stranded overnight due to a flight delay or cancellation, or you have to return home to handle a family medical emergency.

The Chase Sapphire Reserve card, for example, offers trip delay reimbursement, trip cancellation and interruption insurance, emergency medical coverage and even medical evacuation coverage , among other benefits. And yes, cruise lines are considered common carriers just like airlines.

If you're planning to rely on a card like the Chase Sapphire Reserve or The Platinum Card® from American Express * (among others) for travel insurance, just be sure to recheck your card's benefits and limits carefully against regular travel insurance. You must pay for at least part — and sometimes all — of the trip with that credit card to take advantage of its protections.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Related: The best credit cards for booking cruises

Find out if your credit card protection includes travel accident insurance or covers preexisting medical conditions, and figure out when it will pay you back. Other questions to ask: What are the coverage limits? Will you have to pay for a foreign hospital bill upfront and then seek reimbursement later?

Cruise lines

Cruise lines often ask consumers booking a cruise to buy the line's own protection at the time of purchase. If specifics about the coverage are lacking, always ask the line for details in advance, review coverage perks and limits; then, compare those to one or two independent travel insurance policies or your credit card's insurance benefits.

Related: A beginners guide to picking a cruise line

Cruise line travel insurance policies sometimes have quirks. Many cruise companies will only offer a travel voucher or credit for future use in the event of a covered cancellation, not an outright refund.

Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies.

Cruise line policies also can be more restrictive.

"Cruise line insurance seems to have become better and has more widespread coverage than in the past, but it typically won't cover air or pre- and post-travel [arrangements] unless those elements are purchased through [the line]," said Debra Kerper, a Cruise Planners travel adviser from Carrollton, Texas, who books travel and sells private insurance. "This is when private insurance coverage becomes so very important."

How much does cruise insurance cost?

Expect to pay anywhere from 4% to 8% of your total prepaid, nonrefundable trip expenses for a travel insurance policy. That's a wide range, we know, but it reflects the wide range of products out there.

You'll also find some basic plans that cost even less than 4% of your trip expenses, while some super-premium plans that cover just about any conceivable issue can cost as much as 12% of your trip expenses.

Related: What's included in your cruise fare?

All reputable insurance companies will offer a "free-look period" during which you can receive a 100% refund on your premium. This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10.

Under normal circumstances, you don't need to purchase a so-called "cancel for any reason" add-on to your cruise travel insurance policy unless you really need the flexibility. The upgrades are significantly more expensive.

You can receive a quote and purchase a policy online in minutes with any credit card. Although you may think travel insurance should code as "travel" when paid on a credit card and thus be eligible for bonus points on certain cards, that isn't always the case. Your points earnings will depend on the individual underwriter's merchant code. When in doubt, expect the purchase to fall under the insurance category for earnings.

Should I buy travel insurance for a cruise?

Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident? Could you afford an evacuation flight from a far-off port if you suddenly became seriously ill? Only you can answer those sorts of questions.

Here are some things to consider as you make that decision.

You might not be covered by regular medical insurance while cruising

If you're a U.S. citizen traveling internationally (which will be the case for most cruises), you may find that most private medical insurance plans in the U.S. won't cover you.

Additionally, Original Medicare only covers people traveling outside U.S. borders in limited circumstances.

While certain Medicare Supplement Plans do have some foreign emergency medical benefits, not all do. Be sure to talk to your Medical Supplemental Plan provider to see if you're covered, what's covered, what the limits are and how the bill is paid.

Also note that, in some countries (particularly those in Central and South America), travelers may not be discharged from a hospital until their bill is paid in full.

Related: Trip wrecked: 7 ways to prepare for any kind of travel disaster

Plus, if you have a medical incident overseas, you could find yourself stuck in a shared hospital room without air conditioning or a private bathroom. The level of care may not be what you expect.

"For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said.

Getting evacuated for a medical condition is expensive

Most airlines won't accept seriously ill passengers, those carrying bulky medical equipment or those requiring a full medical team.

Even a low-cost weekend getaway on a cruise to the Bahamas out of Miami can turn costly if you suffer a serious accident or illness requiring medical treatment or an emergency medical evacuation.

Related: Do cruise ships have doctors, nurses, medical centers or hospitals?

Being flown back to the U.S. from a far-flung overseas location in a private, medically equipped aircraft, with a professional medical team on board, can run between $70,000 and $180,000, according to Mike Hallman, president and CEO of Medjet, a medical transport membership company.

"Domestic transports, which we cover as well, can cost upwards of $30,000," Hallman said.

Without proof of medical evacuation coverage, foreign providers will also want that money upfront. Hallman said that regular travel insurance will typically get you to an acceptable overseas hospital and even to a higher-level care facility if "medically necessary." Alternatively, medical evacuation coverage means you can fly home to your own hospital, doctors and family — without claim forms, cost caps on transports or surprise bills.

The tandem approach — buying both travel insurance and a separate medevac transport membership — is a good option, Hallman said.

"We always recommend travel insurance, as it covers trip interruption, which is important, as well as medical coverage for the hospital and treatment costs," he said. "We pick up where they leave off."

You can't predict the weather

Cruising is a great way to explore multiple destinations in one trip. But it's good to remember that unexpected delays, interruptions or cancellations due to weather can happen during cruises, particularly during hurricane seasons in places such as the Caribbean and Asia (where hurricanes are called typhoons).

During a typical hurricane season (June 1 to Nov. 30), Allianz pays about 6,000 claims from customers whose travel plans in the Caribbean, Gulf of Mexico and southeastern U.S. are affected by the storms, according to a spokesperson for Allianz Global Assistance USA.

If you're hoping to insure against a storm-related disaster, it's good to buy travel insurance as early as possible. Once a storm or hurricane is named, it's too late to buy travel insurance to cover it.

Of course, cruise lines will move ships away from a weather threat. When the port lineup is adjusted or the cruise shortened, the company will offer the guest an onboard credit, onboard gift or future cruise credit rather than any refund. It depends on the circumstances of that specific voyage. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change .

Related: Everything you need to know about cruising during hurricane season

Costs can mount quickly when things go wrong

Even if the cruise line does provide a full or partial refund or cruise credit for an itinerary change or some other interruption, travelers could have to swallow the cost of other travel elements not purchased through the line. That could include nonrefundable flights , prepaid resort or hotel nights, nonrefundable tour fees and more.

Travel insurance can cover those, plus help with flight delays or cancellations, baggage loss or theft.

If a winter storm causes you to miss your flight to where the ship is boarding , "travel insurance could help you get to the next port to join the cruise, so you don't miss your entire trip," Page said.

In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%.

The government probably won't bail you out

While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses. If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation.

Don't expect Uncle Sam to step in and help foot the bill.

The U.S. Department of State's Bureau of Consular Affairs clearly states the importance of buying travel insurance.

"The U.S. government does not provide medical insurance for U.S. citizens overseas," the bureau says on the website. "We do not pay medical bills. You should purchase insurance before you travel."

You may need more assistance than you think

If you're injured or become severely ill during a cruise, especially in a foreign country, it may be difficult to access help without the assistance of trained professionals that comes with many insurance plans.

Many travel insurance companies provide around-the-clock assistance with locating overseas clinics and pharmacies, getting to a doctor or hospital, refilling lost or depleted prescriptions, assisting with up-front payments to hospitals, and arranging flight changes so you can get home.

Travel insurance companies also can arrange for an air ambulance, a nurse escort, oxygen and a lie-flat seat on a flight home if your medical condition warrants it.

You want to be careful if you have preexisting conditions

When you cruise, it's important to be fully covered, which means having comprehensive medical coverage that includes any preexisting conditions. Otherwise, if you head into a doctor's office overseas, have any tests completed, or visit an urgent care center or emergency room, you might not be covered.

Here, timing is extremely important. Cruisers seeking coverage of preexisting conditions, as well as cancel for any reason insurance, generally must book within seven to 21 days of the first payment they make for a trip. The timing varies by insurer.

Bottom line

Cruise insurance isn't for every traveler — or even for every sailing. It's not inexpensive. However, it can bring a lot of peace of mind if you're about to head out to sea. Do your homework, compare plans and always assess the risks.

Planning a cruise? Start with these stories:

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DCL Vacation Protection Plan Questions

• Thread starter KSL
• Start date Sep 13, 2022

DIS Veteran

• Sep 13, 2022
• My understanding is that the DCL insurance only covers the cost of DCL-purchased travel (so, not independently arranged air fare, for example). Correct?
• If this is correct, then in the event we miss the cruise due to flight delay/cancellation, we would not be able to claim trip interruption or trip delay, because those are individual protections that will not have started yet. Correct? In that scenario, we would fall back to the cancel-for-any-reason coverage?

Correct Correct and correct -- but you would likely need to submit the claim to the insurance and have it rejected before you are eligible for the DCL -offered future credit.  

• Sep 14, 2022

TYSM @lanejudy for your confirmations! If you (or anyone) can comment on some follow-ups, I am now wondering: If we purchase the DCL Travel Protection Plan, is this the correct sequence in a scenario where we would miss our cruise due to cancelled/delayed flights: 1) notify DCL we need to cancel our cruise 2) collect paperwork (what kind of paperwork?) to document that the flights were cancelled/delayed 3) submit claim to plan administrator 4) receive expected denial of claim because the travel delay (necessitating cruise cancellation) event occurred prior to individual travel protection policy taking effect (it begins when the cruise departs) 5) submit flight cancellation/delay paperwork and claim denial to DCL for issuance of the cancel-for-any-reason benefit Add this wrinkle: we have 6 passengers arriving to the departure port across two sets of flights. If we don't all make the cruise, none will travel, even though some may have made it. Any way to provide for that instance? Does the cancel-for-any-reason apply (I mean it sounds like it if it's truly for any reason, but to check...)? Thanks in advance for any guidance!  

I have not had to submit such a claim so while your process sounds correct, hopefully someone else can confirm. I assume your party is at least 2 staterooms. I would think "cancel for any reason" is just that and the party who actually arrived in MCO but decides not to cruise without the rest of the group would use the same documentation showing others in the party were delayed. Ultimately, it doesn't really matter the "reason" for cancellation because the insurance essentially denies the claim; thus triggering the ability to request the credit from DCL . One thing to consider with some of your party arriving on different flights/from different cities... is everyone ok with losing ~25% of the cruise fare and carrying a credit? As those impacted by pandemic cancellations can attest -- it can be hard to get the whole party rescheduled for a future date within the required timeframe when it involved different family units. The credit is use-it-or-lose-it within a specified time period (I think it's 12 months from date of cancellation) and is likely tied to the specific passengers. Honestly, I'd opt for coming in a day or two early giving you all a buffer.  

Earning My Ears

We are booked on the 2023 WBTA and I purchased the insurance from Disney via our Dreams Unlimited travel agent. We have not received any documentation about what is covered which I find odd. We will be flying to London from the US so if it does not cover flight delays / lost luggage then we need to buy different insurance. We have never purchased trip insurance in the past but now that we are in our mid fifties I wanted the added medical coverage and I am also worried about the flight and missing the ship with the way airlines are no longer dependable.  

BmarieT said: We are booked on the 2023 WBTA and I purchased the insurance from Disney via our Dreams Unlimited travel agent. We have not received any documentation about what is covered which I find odd. We will be flying to London from the US so if it does not cover flight delays / lost luggage then we need to buy different insurance. We have never purchased trip insurance in the past but now that we are in our mid fifties I wanted the added medical coverage and I am also worried about the flight and missing the ship with the way airlines are no longer dependable. Click to expand...

lanejudy said: I have not had to submit such a claim so while your process sounds correct, hopefully someone else can confirm. I assume your party is at least 2 staterooms. I would think "cancel for any reason" is just that and the party who actually arrived in MCO but decides not to cruise without the rest of the group would use the same documentation showing others in the party were delayed. Ultimately, it doesn't really matter the "reason" for cancellation because the insurance essentially denies the claim; thus triggering the ability to request the credit from DCL . One thing to consider with some of your party arriving on different flights/from different cities... is everyone ok with losing ~25% of the cruise fare and carrying a credit? As those impacted by pandemic cancellations can attest -- it can be hard to get the whole party rescheduled for a future date within the required timeframe when it involved different family units. The credit is use-it-or-lose-it within a specified time period (I think it's 12 months from date of cancellation) and is likely tied to the specific passengers. Honestly, I'd opt for coming in a day or two early giving you all a buffer. Click to expand...

lanejudy said: I have not had to submit such a claim so while your process sounds correct, hopefully someone else can confirm. I assume your party is at least 2 staterooms. I would think "cancel for any reason" is just that and the party who actually arrived in MCO but decides not to cruise without the rest of the group would use the same documentation showing others in the party were delayed. Ultimately, it doesn't really matter the "reason" for cancellation because the insurance essentially denies the claim; thus triggering the ability to request the credit from DCL. One thing to consider with some of your party arriving on different flights/from different cities... is everyone ok with losing ~25% of the cruise fare and carrying a credit? As those impacted by pandemic cancellations can attest -- it can be hard to get the whole party rescheduled for a future date within the required timeframe when it involved different family units. The credit is use-it-or-lose-it within a specified time period (I think it's 12 months from date of cancellation) and is likely tied to the specific passengers. Honestly, I'd opt for coming in a day or two early giving you all a buffer. Click to expand...

• Sep 15, 2022

Dreams&wishes

You can check on the disneycruise site and it has the travel insurance and what it does and does not cover. Also, since a pp mentioned they booked through Dreams; go to your reservation on their page and scroll down and it has a link that takes you to a comprehensive explanation of the DCL coverage. As for the flights etc. I thought I would mention that if you paid for those with a credit card, that card may cover trip interruption, lost baggage, etc. We always book flights and rental car and pre cruise stay on our Chase card that covers all of those things. HTH Hope this link works, but here is the direct link to the dcl page: https://disneycruise.disney.go.com/...ction-plan/?int_cmp=INS-intDCLtoDCL-Insurance  

If I may piggy-back onto this thread-- as we are in the process of filling out claim forms for a DCL cruise with outside insurance. I assume the DCL address to use is the one in the cruise contract; but is the phone number to put on the form the same number that we all use for reservations, etc? I suppose I could call DCL and ask if there is a different phone number for the insurance company to use. (in case anyone is wondering, one of our party had an injury that precluded travel. Glad we bought insurance; hope the claims process is not awful.)  

Mouseketeer

• Sep 16, 2022

Here is the link from the DCL web site under Travel Insurance in a much more easy to read and printable form. You will need to read the policy very carefully. The trip delay section uses the term "you" which I take to mean insured under this particular policy while other parts of the policy (Trip cancellation or Interuption) talks about "you or a family member" I take to mean that the family member does not need to going on the trip. EGfT8zeadShQXlOxj2rnoNfvQQTfcjqWsOM6YMWpcl6B5duAw5175AyGqavN2K3huw11 We have recently needed to used trip cancellation with the DCL travel insurance due to a medical issue. I made sure we followed the directions to the T and gave DCL insurance (AON) everything they needed to process the claim. We received our refund within two weeks of filing the claim.  

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Disney Cruise Line Round-Trip Port Canaveral 5-Night Cruise Aboard Disney Fantasy Digital Costco Shop Card Courtesy of Costco Travel

Disney Cruise Line Round-Trip Fort Lauderdale 5-Night Cruise Aboard Disney Dream Digital Costco Shop Card Courtesy of Costco Travel

Baja Cruise

Disney Cruise Line Round-Trip San Diego 4-Night Cruise Aboard Disney Wonder Digital Costco Shop Card Courtesy of Costco Travel

Disney Cruise Line Round-Trip Port Canaveral 4-Night Cruise Aboard Disney Fantasy Digital Costco Shop Card Courtesy of Costco Travel

Mexican Riviera Cruise

Disney Cruise Line Round-Trip San Diego 7-Night Cruise Aboard Disney Wonder Digital Costco Shop Card Courtesy of Costco Travel

5 Nights from $1,373*

Disney Cruise Line Round-Trip Port Canaveral 3-Night Cruise Aboard Disney Fantasy Digital Costco Shop Card Courtesy of Costco Travel

Disney Cruise Line Round-Trip Fort Lauderdale 4-Night Cruise Aboard Disney Magic Digital Costco Shop Card Courtesy of Costco Travel

Disney Cruise Line Round-Trip Galveston 5-Night Cruise Aboard Disney Magic Digital Costco Shop Card Courtesy of Costco Travel

South Pacific Cruise

Disney Cruise Line Sydney to Honolulu 15-Night Cruise Aboard Disney Wonder Digital Costco Shop Card Courtesy of Costco Travel

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