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But for most travelers, having a backup plan in case anything goes wrong makes the trip that much more enjoyable. 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. A Disney vacation can be a trip of a lifetime. It can also be the most expensive trip of your lifetime. Click the image below to get a quick quote from Allianz Global Assistance for your Disney Cruise travel insurance.
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In my personal experience and all of my research, Allianz Global Assistance has provided competitive prices, paid out claims, and given awesome customer service. Our mission is to help you save time and money on your vacation. Your TouringPlans.com subscription helps us to help you by funding new articles and research. 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?
Is Disney Travel Insurance Worth the Cost?
Other travel protections include helping if you need medical attention or evacuation during your trip, as well as insurance for a rental car if you decide to drive in one of the ports you visit. Some cruise insurance policies will cover itinerary changes. This means if you have your heart set on visiting a particular place, but it gets cut from the itinerary (a common occurrence due to weather conditions), you would receive some form of compensation.
What does cruise travel insurance cover typically?
– My answer here is an unequivocal yes. I’ll be honest, the odds are overwhelming that you aren’t going to need it. I’ll spare you the full retelling of the story of my healthy mother coming down with pneumonia on a Greek Isles cruise a few years ago. But, needless to say, her insurance bills were over $5,000, and they almost made her stay in a hospital in Athens which could have multiplied that bill by 10. Cruises often give travelers the chance to experience multiple destinations plus enjoy onboard entertainment, activities and dining for a set, all-inclusive price. Cruises simplify budgeting in a year when travel prices have been hard hit by inflation.
My last quote was under 4% of my trip cost. Bad weather cancels or delays a flight en route to a connection or cruise. I'm not willing to gamble the money I'm spending on this dream vacation.
How to shop cruise travel insurance options
I usually recommend visiting a site like Insuremytrip.com to compare coverage and prices from multiple companies at once. Make sure the policy you choose covers what you are most concerned about. Are you worried your military spouse will unexpectedly deploy or have leave revoked?
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If you waited until the day before you left and there was a named storm in the Caribbean before you bought insurance, any travel problems related to that storm will not be covered. It’s kind of like wrecking your car and then trying to up your insurance before you file a claim. If you’re not covered by your credit card, cruise travel insurance can be worth the added cost.
What's Covered? Comparison
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The longer you wait to buy cruise insurance, the higher the price may become. 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.
Is Cruise Travel Insurance Worth the Cost?
Given the high cost of travel insurance, this benefit alone can often be worth the often-high annual fees these cards charge. Circumstances covered by cruise travel insurance vary by policy and by issuer. Many cruise lines partner with an insurance company to underwrite its policy benefits. Check with your personal health insurance company and ask if they cover overseas personal travel. If you don't have a credit card with coverage or you want to add more protection, it is wise to buy insurance as soon as possible after booking the cruise.
Disney’s insurance plan will not cover air if you do not purchase the air through Disney. It depends on the coverage, but usually air is wrapped up in the cost of your trip and is covered. Cruise travel insurance is add-on insurance coverage that — just like travel insurance — will reimburse you for delays, interruptions, medical situations or other problems during the cruise. When comparing policies, choose a policy that includes all of the benefits, protections and coverage limits that are important to you. While you may be tempted to choose the lowest-priced option, that policy may not have the coverage you need. But what happens if something goes wrong with your ship, or you can’t make it onboard because of health concerns?
Not all plans include this, and for certain trips with a popular port (like visiting Alexandria, Egypt, to drive to the Pyramids), it may be wise to check if you are covered. Can you buy travel insurance after booking a cruise? Some cruise lines require the purchase of a travel insurance policy before the final payment date when charges become nonrefundable. Others require the purchase of coverage a certain number of days before departure. Read the fine print to find out the deadline to purchase and the specifics of its coverage. Also, your own health insurance may not cover cruise travel or medical attention onboard a ship.
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.
Disney 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?
Click here for a no-obligation quote on your next vacation. How Much Does Allianz Global Assistance "Prime Plan" Cost? Around 2-6% of the total cost of your trip.
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. 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.
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